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 --> 00:00:17,720 Speaker 1: of which this podcast is recorded on a wondery country, 6 00:00:18,120 --> 00:00:22,560 Speaker 1: acknowledging the elders, the ancestors and the next generation coming through. 7 00:00:23,079 --> 00:00:27,159 Speaker 1: As this podcast is about connecting, empowering, knowledge sharing and 8 00:00:27,240 --> 00:00:30,560 Speaker 1: the storytelling of you to make a difference for today 9 00:00:31,040 --> 00:00:32,640 Speaker 1: and lasting impact for tomorrow. 10 00:00:33,320 --> 00:00:34,120 Speaker 2: Let's get into it. 11 00:00:34,760 --> 00:00:54,040 Speaker 3: She's on the Money, She's on the Money. 12 00:00:58,160 --> 00:01:01,280 Speaker 4: Hello, and welcome to She on the Money, the podcast 13 00:01:01,280 --> 00:01:04,840 Speaker 4: a millennials who want financial freedom. Welcome back to another 14 00:01:04,880 --> 00:01:07,360 Speaker 4: one of our money diaries where I get the absolute 15 00:01:07,440 --> 00:01:09,880 Speaker 4: pleasure to talk with one of our incredible She's on 16 00:01:09,920 --> 00:01:13,160 Speaker 4: the Money community members all about their journey. Before I 17 00:01:13,240 --> 00:01:14,880 Speaker 4: read out my email, I just want to give you 18 00:01:14,920 --> 00:01:17,559 Speaker 4: guys a little bit of a content warning. Today's Money 19 00:01:17,560 --> 00:01:20,920 Speaker 4: Diary discusses suicide in this episode, and if this is 20 00:01:20,920 --> 00:01:22,600 Speaker 4: something that you would like to give a bit of 21 00:01:22,640 --> 00:01:24,199 Speaker 4: a skip to feel free. 22 00:01:24,280 --> 00:01:26,200 Speaker 2: We have a plethora of other. 23 00:01:26,080 --> 00:01:28,120 Speaker 4: Money diaries you can go and listen to, but for 24 00:01:28,160 --> 00:01:30,360 Speaker 4: those of you who are going to stick along, be 25 00:01:30,480 --> 00:01:32,920 Speaker 4: aware that that is the topic that we are discussing today. 26 00:01:33,880 --> 00:01:36,959 Speaker 4: So the email it went like this, Hi, She's on 27 00:01:37,000 --> 00:01:39,600 Speaker 4: the Money. Two years ago, my ex and I split 28 00:01:39,720 --> 00:01:43,080 Speaker 4: up and then he ended his life. As you can imagine, 29 00:01:43,160 --> 00:01:46,000 Speaker 4: this turned everything upside down for me. I had to 30 00:01:46,000 --> 00:01:48,840 Speaker 4: stop working and I had no money. But now in 31 00:01:48,960 --> 00:01:52,440 Speaker 4: two short years, I'm a homeowner, I'm engaged, and I 32 00:01:52,560 --> 00:01:55,360 Speaker 4: have a baby on the way. I'd love to share 33 00:01:55,400 --> 00:01:59,600 Speaker 4: my story with the community Money diarist. That sounds like 34 00:01:59,640 --> 00:02:01,160 Speaker 4: an absolute rollercoaster. 35 00:02:01,520 --> 00:02:02,080 Speaker 2: How are you? 36 00:02:02,520 --> 00:02:05,720 Speaker 5: Yeah, definitely a lot better now, but it was definitely 37 00:02:05,800 --> 00:02:08,000 Speaker 5: a crazy time in my life and it's taken a 38 00:02:08,000 --> 00:02:11,120 Speaker 5: lot to get where I am now. But wouldn't be 39 00:02:11,160 --> 00:02:13,280 Speaker 5: here without the help of She's on the Money podcast, 40 00:02:13,320 --> 00:02:15,200 Speaker 5: to be honest, it's helped me so much. 41 00:02:15,440 --> 00:02:16,919 Speaker 2: Oh that's so sweet. 42 00:02:17,760 --> 00:02:20,600 Speaker 4: But also you've got to do a whole heap of 43 00:02:20,600 --> 00:02:22,880 Speaker 4: work to have gotten through that, like on your own. 44 00:02:23,120 --> 00:02:25,960 Speaker 4: That's actually crazy to have gone through that and then 45 00:02:26,080 --> 00:02:28,560 Speaker 4: be kind of on the flip side and kind of 46 00:02:28,600 --> 00:02:31,080 Speaker 4: be at the side of things where the light is 47 00:02:31,120 --> 00:02:33,360 Speaker 4: actually at the end of the tunnel, and just offline, 48 00:02:33,400 --> 00:02:36,040 Speaker 4: I was talking to you about being pregnant. You seem 49 00:02:36,080 --> 00:02:38,320 Speaker 4: so glowy and happy about that, and that just makes 50 00:02:38,320 --> 00:02:42,320 Speaker 4: my soul like so so happy for you. Let's dive 51 00:02:42,360 --> 00:02:44,680 Speaker 4: it straight in money, darist, what grade would you give 52 00:02:44,680 --> 00:02:46,160 Speaker 4: your money habits? If I asked you to give your 53 00:02:46,160 --> 00:02:48,079 Speaker 4: money habits a grade from A through to. 54 00:02:48,280 --> 00:02:50,440 Speaker 6: F, I think I'd be sitting on about a B 55 00:02:50,680 --> 00:02:51,320 Speaker 6: at the moment. 56 00:02:51,440 --> 00:02:52,800 Speaker 2: I'd be that's not bad. 57 00:02:53,400 --> 00:02:56,040 Speaker 4: My favorite question of all time, money Darrest, Can you 58 00:02:56,040 --> 00:02:58,080 Speaker 4: tell me a little bit more about your money story? 59 00:02:58,680 --> 00:03:02,680 Speaker 5: Yeah, So, I sickly left school in year ten. I 60 00:03:02,760 --> 00:03:04,880 Speaker 5: went to tafe for a few years and did a 61 00:03:04,919 --> 00:03:08,200 Speaker 5: couple odd jobs for a few years, pretty much living 62 00:03:08,360 --> 00:03:10,600 Speaker 5: just paycheck to paycheck, as you kind of do when 63 00:03:10,639 --> 00:03:12,959 Speaker 5: you first go out into the world and start working. 64 00:03:13,360 --> 00:03:16,240 Speaker 5: I realized quite quickly that that wasn't really the lifestyle 65 00:03:16,280 --> 00:03:18,960 Speaker 5: I wanted, so I did a quick Google search of 66 00:03:19,040 --> 00:03:21,040 Speaker 5: what was a really high paying job that you could 67 00:03:21,040 --> 00:03:21,919 Speaker 5: do from home? 68 00:03:22,000 --> 00:03:24,320 Speaker 6: Because I knew I wanted to have a family eventually. 69 00:03:24,760 --> 00:03:26,600 Speaker 2: I love that this is what led. 70 00:03:26,440 --> 00:03:28,440 Speaker 6: Me to the accounts industry. 71 00:03:28,600 --> 00:03:31,720 Speaker 5: So I started my tafe to do my search foreign 72 00:03:31,720 --> 00:03:35,400 Speaker 5: accounts then and then quickly got into the industry in 73 00:03:35,560 --> 00:03:38,200 Speaker 5: just an entry level job. That job was alright, but 74 00:03:38,360 --> 00:03:42,640 Speaker 5: I was quite undervalued and underpaid there unfortunately, so I 75 00:03:42,760 --> 00:03:46,800 Speaker 5: quickly job hopped to a few other accounts jobs. This 76 00:03:47,080 --> 00:03:51,360 Speaker 5: was mainly working for civil construction companies, so that was 77 00:03:51,440 --> 00:03:54,760 Speaker 5: just doing all the book work internally and all budgets 78 00:03:54,800 --> 00:03:58,119 Speaker 5: and things like that, which led me to be on 79 00:03:58,520 --> 00:04:01,120 Speaker 5: better pays, which was great, which could help me start 80 00:04:01,160 --> 00:04:01,560 Speaker 5: to save. 81 00:04:02,000 --> 00:04:04,840 Speaker 6: This time is when I got with my ex partner. 82 00:04:05,720 --> 00:04:09,200 Speaker 5: We were together for about four years, and we tried 83 00:04:09,240 --> 00:04:11,240 Speaker 5: really hard to say for a house, and tried to 84 00:04:11,320 --> 00:04:12,080 Speaker 5: do what we could. 85 00:04:12,520 --> 00:04:13,560 Speaker 2: How did you guys meet? 86 00:04:14,000 --> 00:04:16,840 Speaker 5: We actually met through work, we were actually working together, 87 00:04:16,880 --> 00:04:20,320 Speaker 5: and then just kind of fell in and then COVID hit, 88 00:04:20,440 --> 00:04:22,159 Speaker 5: and funny enough, it just got to the point where 89 00:04:22,160 --> 00:04:23,919 Speaker 5: it's like, well, if we can't see each other, we 90 00:04:23,960 --> 00:04:25,839 Speaker 5: may as well live together. So it was kind of 91 00:04:25,880 --> 00:04:28,040 Speaker 5: like either move in or don't see each other because 92 00:04:28,080 --> 00:04:29,239 Speaker 5: of lockdowns and everything. 93 00:04:29,320 --> 00:04:30,839 Speaker 6: So it was very fast. 94 00:04:30,880 --> 00:04:32,680 Speaker 2: I feel like everyone did that right. 95 00:04:32,760 --> 00:04:35,000 Speaker 4: Everyone was either like, all right, so we either end 96 00:04:35,000 --> 00:04:36,120 Speaker 4: it here or we move in. 97 00:04:36,240 --> 00:04:37,200 Speaker 2: There's no in between. 98 00:04:37,320 --> 00:04:39,240 Speaker 4: I feel like so many of my girlfriends did that, 99 00:04:39,680 --> 00:04:41,240 Speaker 4: and it worked out for some and it didn't work 100 00:04:41,240 --> 00:04:42,840 Speaker 4: out for others. But I feel like we had our 101 00:04:42,880 --> 00:04:44,440 Speaker 4: hands forced really. 102 00:04:45,160 --> 00:04:47,760 Speaker 5: Yeah, one hundred percent, But it definitely worked out. We 103 00:04:47,800 --> 00:04:51,160 Speaker 5: were very happy for those four years. The thing was, 104 00:04:51,400 --> 00:04:54,960 Speaker 5: unfortunately we had a little bit of trouble with money 105 00:04:55,040 --> 00:04:58,960 Speaker 5: because our kind of long term personal goals and goals 106 00:04:58,960 --> 00:05:04,680 Speaker 5: together just stopped aligning, which unfortunately affected our money goals together. 107 00:05:04,880 --> 00:05:08,440 Speaker 5: So instead of wanting to kind of save long term 108 00:05:09,360 --> 00:05:12,279 Speaker 5: like me, my partner was a bit more Okay, we've 109 00:05:12,279 --> 00:05:16,080 Speaker 5: got money, let's kind of spend it, which caused some issues. 110 00:05:16,560 --> 00:05:19,159 Speaker 4: Yeah, there's always one spender and one say that in 111 00:05:19,200 --> 00:05:21,680 Speaker 4: a relationship. I find someone's always got to be a 112 00:05:21,720 --> 00:05:22,479 Speaker 4: little bit spendy. 113 00:05:23,160 --> 00:05:23,360 Speaker 6: Yeah. 114 00:05:23,400 --> 00:05:25,000 Speaker 5: It was getting to the point where I was really 115 00:05:25,000 --> 00:05:27,520 Speaker 5: struggling because I really wanted to buy a house. I 116 00:05:27,640 --> 00:05:29,520 Speaker 5: was set on it for so long, and it was 117 00:05:29,640 --> 00:05:32,640 Speaker 5: just becoming a little bit impossible. And then we ended 118 00:05:32,720 --> 00:05:35,320 Speaker 5: up having that conversation of does our future kind of 119 00:05:35,320 --> 00:05:38,120 Speaker 5: aligne are we still going in the same direction together? 120 00:05:38,400 --> 00:05:41,440 Speaker 5: And it's basically when we kind of realized that, Okay, 121 00:05:41,560 --> 00:05:43,359 Speaker 5: where we're planning to go in the future is not 122 00:05:43,400 --> 00:05:44,760 Speaker 5: really you lining up anymore. 123 00:05:44,800 --> 00:05:46,719 Speaker 6: So as much as we still got. 124 00:05:46,560 --> 00:05:49,360 Speaker 5: Along and whatnot, we just decided to go our own 125 00:05:49,400 --> 00:05:51,520 Speaker 5: separate ways to try and focus on our own goals. 126 00:05:51,680 --> 00:05:51,920 Speaker 2: Yeah. 127 00:05:51,960 --> 00:05:54,240 Speaker 4: Fair, And that's such a stressful period of time as well, 128 00:05:54,360 --> 00:05:56,480 Speaker 4: especially because you lived together, so you've got to kind 129 00:05:56,480 --> 00:05:58,479 Speaker 4: of like wind all of that up and move out. 130 00:05:58,560 --> 00:05:59,800 Speaker 4: How did that process go? 131 00:06:00,400 --> 00:06:02,000 Speaker 6: Yeah, so that was actually quite tricky. 132 00:06:02,080 --> 00:06:04,200 Speaker 5: So like basically the money that we did manage to 133 00:06:04,240 --> 00:06:07,680 Speaker 5: save together we had to split down the middle. 134 00:06:07,839 --> 00:06:09,880 Speaker 6: We had to split up our pets, which was hard 135 00:06:09,920 --> 00:06:10,400 Speaker 6: as well. 136 00:06:10,520 --> 00:06:14,520 Speaker 5: Oh no, Yeah, so it's like basically everything got split, 137 00:06:14,560 --> 00:06:16,839 Speaker 5: and then the money that we did save both ended 138 00:06:16,920 --> 00:06:21,200 Speaker 5: up going into deposits for rental properties, getting more furniture 139 00:06:21,240 --> 00:06:22,480 Speaker 5: because everything got split. 140 00:06:22,560 --> 00:06:23,600 Speaker 6: So basically the. 141 00:06:23,560 --> 00:06:26,559 Speaker 5: Savings that we did have pretty much dwindled to nothing 142 00:06:26,600 --> 00:06:28,839 Speaker 5: after the split anyway, which was really hard. 143 00:06:29,000 --> 00:06:32,080 Speaker 4: I feel like that happens all the time. That's crazy. 144 00:06:32,120 --> 00:06:34,560 Speaker 4: And then what happened next? Did you end up being 145 00:06:34,600 --> 00:06:36,960 Speaker 4: able to settle down and start saving again after you 146 00:06:37,000 --> 00:06:37,840 Speaker 4: set yourself up? 147 00:06:38,200 --> 00:06:40,479 Speaker 6: It was kind of really only a small window. 148 00:06:40,680 --> 00:06:43,760 Speaker 5: Basically I moved out and I moved into a new house, 149 00:06:43,960 --> 00:06:46,760 Speaker 5: and then we were still hanging out, like he was 150 00:06:46,800 --> 00:06:48,680 Speaker 5: coming over probably two or three times a week and 151 00:06:48,720 --> 00:06:51,840 Speaker 5: bringing the other animal over so the animals could have. 152 00:06:51,800 --> 00:06:52,719 Speaker 6: Play dates and stuff. 153 00:06:52,880 --> 00:06:53,240 Speaker 2: Cute. 154 00:06:53,360 --> 00:06:58,080 Speaker 5: Yeah, and then yeah, basically, probably about four weeks after 155 00:06:58,120 --> 00:07:01,960 Speaker 5: I moved into my house, unfortunately, decided to take his life, 156 00:07:02,000 --> 00:07:04,280 Speaker 5: which was really difficult. 157 00:07:04,680 --> 00:07:07,640 Speaker 2: I'm so sorry. That is literally one of the worst 158 00:07:07,640 --> 00:07:10,800 Speaker 2: things that you can go through. Ever. Is that something 159 00:07:10,840 --> 00:07:12,440 Speaker 2: that you saw coming. 160 00:07:12,600 --> 00:07:14,880 Speaker 5: You did have depression and anxiety for a lot of 161 00:07:15,000 --> 00:07:17,800 Speaker 5: years and was on medicine stuff, and it was something 162 00:07:17,840 --> 00:07:19,960 Speaker 5: that he dealt with day in, day out, and he 163 00:07:20,000 --> 00:07:22,880 Speaker 5: tried his best to stay on top of it. But yeah, 164 00:07:23,000 --> 00:07:26,280 Speaker 5: it was definitely a shock and it definitely rocked me. 165 00:07:26,440 --> 00:07:29,440 Speaker 5: In his family and everyone close to him can't say 166 00:07:29,440 --> 00:07:33,120 Speaker 5: it was expected, but yeah, so that kind of sent 167 00:07:33,200 --> 00:07:36,120 Speaker 5: my life into a spiral. So the money that I 168 00:07:36,200 --> 00:07:39,520 Speaker 5: did have pretty much all got spent because I pretty 169 00:07:39,560 --> 00:07:41,600 Speaker 5: much wasn't able to go to work anymore. 170 00:07:41,960 --> 00:07:44,360 Speaker 4: Of course, not that would have sent you for six 171 00:07:44,560 --> 00:07:46,760 Speaker 4: It would have been so all consuming and overwhelming. And 172 00:07:46,840 --> 00:07:50,000 Speaker 4: I can't say that I can empathize with that situation 173 00:07:50,080 --> 00:07:52,880 Speaker 4: because thankfully I haven't been in it. But my god 174 00:07:52,960 --> 00:07:55,240 Speaker 4: like I can't even begin to imagine how much that 175 00:07:55,280 --> 00:07:59,360 Speaker 4: would essentially throw you completely out of whack with what's 176 00:07:59,400 --> 00:08:02,520 Speaker 4: normal and what going on like that would be horrific. 177 00:08:03,240 --> 00:08:06,760 Speaker 5: For a couple months, it was just learning to function 178 00:08:07,120 --> 00:08:09,200 Speaker 5: day to day again, Like it just felt like all 179 00:08:09,240 --> 00:08:13,600 Speaker 5: I did was sleep, watch TV, and like shower. That 180 00:08:13,800 --> 00:08:16,239 Speaker 5: was like literally my existence for a long time, trying 181 00:08:16,240 --> 00:08:18,480 Speaker 5: to find my feet again, just trying to function day 182 00:08:18,520 --> 00:08:22,600 Speaker 5: to day. It was really difficult, but slowly I knew 183 00:08:22,600 --> 00:08:24,120 Speaker 5: I needed to go back to work. Got to the 184 00:08:24,120 --> 00:08:25,960 Speaker 5: point where I couldn't afford my rent and I was 185 00:08:26,000 --> 00:08:27,920 Speaker 5: asking my mom to help me out just so I 186 00:08:27,960 --> 00:08:29,040 Speaker 5: wouldn't lose my house. 187 00:08:29,320 --> 00:08:30,000 Speaker 2: Yeah wow. 188 00:08:30,280 --> 00:08:32,480 Speaker 5: And then I also built up a bit of a 189 00:08:32,920 --> 00:08:35,480 Speaker 5: debt with zip pay just to try and pay for 190 00:08:35,520 --> 00:08:39,080 Speaker 5: groceries and just the essentials to get by, just because 191 00:08:39,120 --> 00:08:41,720 Speaker 5: I wasn't working and I was trying to get by 192 00:08:41,920 --> 00:08:43,680 Speaker 5: without a wage coming in. 193 00:08:44,080 --> 00:08:47,120 Speaker 4: Yeah, of course, And that's like added stress, Like you're 194 00:08:47,160 --> 00:08:50,120 Speaker 4: already stressed, You're already overwhelmed, and then money troubles get 195 00:08:50,200 --> 00:08:52,200 Speaker 4: put on top of that. Of course, you ended up 196 00:08:52,200 --> 00:08:54,760 Speaker 4: with a Zippay debt, Like, of course you ended up 197 00:08:54,800 --> 00:08:57,559 Speaker 4: overwhelmed and having to ask people for money, like that's 198 00:08:57,600 --> 00:08:58,440 Speaker 4: so unfair. 199 00:08:58,520 --> 00:09:01,240 Speaker 2: It feels like one thing after an Yeah, which. 200 00:09:01,120 --> 00:09:03,480 Speaker 5: Definitely sent things into a bit of a downread spiral. 201 00:09:04,120 --> 00:09:06,440 Speaker 5: So I was struggling quite a lot trying to find 202 00:09:06,440 --> 00:09:08,760 Speaker 5: my feet again. So I started going back to work 203 00:09:08,800 --> 00:09:10,800 Speaker 5: a couple of hours a day just to try and 204 00:09:10,800 --> 00:09:12,280 Speaker 5: get a bit of money coming in again, just so 205 00:09:12,320 --> 00:09:14,560 Speaker 5: I could try and figure it out and try and 206 00:09:14,559 --> 00:09:15,520 Speaker 5: get on top of things. 207 00:09:15,920 --> 00:09:17,480 Speaker 6: And I remember I was having. 208 00:09:17,400 --> 00:09:21,840 Speaker 5: Probably the worst week I had had unfortunately with losing someone. 209 00:09:22,200 --> 00:09:25,640 Speaker 5: After you have your funeral and everything else, the check 210 00:09:25,679 --> 00:09:27,760 Speaker 5: ins kind of stop a lot, and. 211 00:09:27,679 --> 00:09:30,400 Speaker 6: People don't talk about that a whole heap. 212 00:09:30,679 --> 00:09:33,200 Speaker 5: So I found a kind of after that kind of 213 00:09:33,480 --> 00:09:36,640 Speaker 5: period was when I really struggled, and I wasn't really 214 00:09:36,720 --> 00:09:39,080 Speaker 5: getting much check in from many people besides like my 215 00:09:39,160 --> 00:09:40,000 Speaker 5: immediate family. 216 00:09:40,360 --> 00:09:43,400 Speaker 4: Yeah, that's something that is so important. I feel like 217 00:09:43,520 --> 00:09:45,760 Speaker 4: so many people they make you lasagn years and they 218 00:09:45,760 --> 00:09:48,280 Speaker 4: bring dinner over in the first week, and they're checking 219 00:09:48,280 --> 00:09:50,760 Speaker 4: in and asking if you're okay, and you know, it's 220 00:09:50,800 --> 00:09:53,840 Speaker 4: all tumultuous, and then there's the funeral and maybe awake, 221 00:09:54,000 --> 00:09:56,360 Speaker 4: and then you know, the week after people are asking 222 00:09:56,400 --> 00:09:58,320 Speaker 4: how you are, and then all of a sudden it 223 00:09:58,440 --> 00:10:01,880 Speaker 4: dries up and then you're on your and that is, 224 00:10:02,040 --> 00:10:04,720 Speaker 4: I would say, one of the hardest parts. And that 225 00:10:04,840 --> 00:10:08,120 Speaker 4: happens a lot, like you don't need I don't know 226 00:10:08,160 --> 00:10:10,400 Speaker 4: if you're the same, but one of my girlfriends went 227 00:10:10,400 --> 00:10:11,840 Speaker 4: through this and she's like, I just don't. 228 00:10:11,640 --> 00:10:12,679 Speaker 2: Need another lasagna. 229 00:10:12,760 --> 00:10:14,360 Speaker 4: I just need someone to call me and ask me 230 00:10:14,400 --> 00:10:16,240 Speaker 4: to come out for a walk or go for a coffee. 231 00:10:16,240 --> 00:10:18,960 Speaker 4: The month after. I don't, you know, need the dinners. 232 00:10:19,000 --> 00:10:20,720 Speaker 4: She's like, I can't even eat at the moment, but 233 00:10:20,760 --> 00:10:23,240 Speaker 4: I do want the walk. And it's so important to 234 00:10:23,360 --> 00:10:25,800 Speaker 4: just be that friend that's there, you know, pest your 235 00:10:25,800 --> 00:10:29,120 Speaker 4: friends in those situations, ask them consistently. I feel like 236 00:10:29,240 --> 00:10:31,440 Speaker 4: so many times we assume, oh my gosh, maybe they 237 00:10:31,480 --> 00:10:33,640 Speaker 4: want some space, and they'll let you know if they 238 00:10:33,640 --> 00:10:34,200 Speaker 4: want space. 239 00:10:34,320 --> 00:10:37,760 Speaker 5: Right, Yeah, I can one hundred percent agree with all 240 00:10:37,800 --> 00:10:38,120 Speaker 5: of that. 241 00:10:38,120 --> 00:10:40,600 Speaker 6: That is all one hundred percent true. Yeah. 242 00:10:40,679 --> 00:10:42,880 Speaker 5: So I was kind of at that point where I 243 00:10:42,920 --> 00:10:45,680 Speaker 5: was probably having the worst week I had had. I 244 00:10:45,720 --> 00:10:48,960 Speaker 5: got to the point where I literally hadn't showered in 245 00:10:49,000 --> 00:10:51,200 Speaker 5: three days and I was just sat on the couch. 246 00:10:51,320 --> 00:10:53,880 Speaker 5: I was ready to give up my dog because I 247 00:10:54,000 --> 00:10:56,200 Speaker 5: just felt like I wasn't taking care of her properly, 248 00:10:56,240 --> 00:10:59,720 Speaker 5: which was really difficult, Like I love my dog so much. 249 00:11:00,200 --> 00:11:03,240 Speaker 6: That's when I knew something was kind of not really okay. 250 00:11:04,040 --> 00:11:06,800 Speaker 5: And then it just so happened that I had some 251 00:11:06,920 --> 00:11:10,000 Speaker 5: trades have to come to the house to install an 252 00:11:10,000 --> 00:11:12,960 Speaker 5: air con in the unit that I was in, and 253 00:11:13,840 --> 00:11:17,160 Speaker 5: the person I had been dating back in year seven 254 00:11:17,480 --> 00:11:20,280 Speaker 5: well through my front door to install an air con 255 00:11:20,320 --> 00:11:23,559 Speaker 5: when I was sitting on my couch in my pajamas, 256 00:11:23,600 --> 00:11:26,440 Speaker 5: hadn't showered for three days and just not in a 257 00:11:26,480 --> 00:11:27,360 Speaker 5: good state at all. 258 00:11:28,040 --> 00:11:30,520 Speaker 4: No, and You're like, I don't even want trades here, 259 00:11:30,559 --> 00:11:33,000 Speaker 4: but get it done. I need the air con one 260 00:11:33,080 --> 00:11:33,720 Speaker 4: hundred percent. 261 00:11:33,800 --> 00:11:35,640 Speaker 5: And then for it to be someone I knew that 262 00:11:35,720 --> 00:11:37,880 Speaker 5: walked through that door, it was quite hard to deal 263 00:11:37,920 --> 00:11:40,520 Speaker 5: with and it was very confronting, but he had been 264 00:11:40,559 --> 00:11:42,400 Speaker 5: someone who had actually checked in on me a couple 265 00:11:42,520 --> 00:11:44,959 Speaker 5: times and sent a couple of messages to see how 266 00:11:45,000 --> 00:11:47,520 Speaker 5: I was tracking and if I was okay. So he 267 00:11:47,600 --> 00:11:49,240 Speaker 5: came in and kind of just sat on the floor 268 00:11:49,280 --> 00:11:51,240 Speaker 5: and had a good talk to me and said, like 269 00:11:51,280 --> 00:11:53,880 Speaker 5: if I need anything that He actually just lived. 270 00:11:53,720 --> 00:11:56,240 Speaker 2: Up the road so oh, that's so sweet. 271 00:11:55,960 --> 00:11:57,839 Speaker 5: If I just wanted some company or to get out 272 00:11:57,840 --> 00:11:59,920 Speaker 5: of the house, that I could go down and see, 273 00:12:00,400 --> 00:12:03,199 Speaker 5: which was great. From there, we ended up hanging out 274 00:12:03,200 --> 00:12:06,079 Speaker 5: a little bit and I got back into a bit 275 00:12:06,120 --> 00:12:09,480 Speaker 5: more of a routine with work, which was fantastic and 276 00:12:09,679 --> 00:12:13,080 Speaker 5: kind of From there, me and the guy had actually 277 00:12:13,160 --> 00:12:16,040 Speaker 5: dated in primary school. We ended up forming a close 278 00:12:16,080 --> 00:12:19,040 Speaker 5: connection and ended up being in a relationship. 279 00:12:19,040 --> 00:12:21,480 Speaker 4: From there, Oh my gosh, how cute is that. I 280 00:12:21,480 --> 00:12:23,400 Speaker 4: don't know about you, but I'm a little bit hippie 281 00:12:23,400 --> 00:12:26,360 Speaker 4: dippy like I do believe that things happen for a reason, 282 00:12:26,559 --> 00:12:28,360 Speaker 4: and I feel like he was meant to walk through 283 00:12:28,360 --> 00:12:30,520 Speaker 4: the door, and that there was a reason he came 284 00:12:30,559 --> 00:12:33,120 Speaker 4: into your life at the time that you clearly needed him. 285 00:12:33,800 --> 00:12:34,079 Speaker 6: Yep. 286 00:12:34,280 --> 00:12:36,720 Speaker 5: And my mom says the exact same thing, because I 287 00:12:36,760 --> 00:12:40,520 Speaker 5: remember I struggled for a little bit thinking about it 288 00:12:40,640 --> 00:12:43,240 Speaker 5: being in another relationship again, and I remember crying to 289 00:12:43,280 --> 00:12:45,880 Speaker 5: my mum saying I was stressed about it, and she 290 00:12:46,000 --> 00:12:48,199 Speaker 5: said that you know, things and people come into your 291 00:12:48,200 --> 00:12:50,280 Speaker 5: life when they do to try and help you and 292 00:12:50,320 --> 00:12:53,320 Speaker 5: to heal you. And I couldn't agree with that more. 293 00:12:53,440 --> 00:12:54,839 Speaker 5: That was exactly what I needed. 294 00:12:54,920 --> 00:12:56,120 Speaker 2: Yeah, it gives me groop bumps. 295 00:12:56,160 --> 00:12:58,520 Speaker 4: I'm like, ah, like it was meant to be, Like 296 00:12:58,600 --> 00:13:01,320 Speaker 4: it's really really beautiful. Feel like there's someone on the 297 00:13:01,360 --> 00:13:03,920 Speaker 4: other side going like, this is meant to happen for you, 298 00:13:04,240 --> 00:13:07,040 Speaker 4: and it's meant to be you know, the right situation 299 00:13:07,240 --> 00:13:09,280 Speaker 4: at the right time, and clearly you needed it. 300 00:13:09,480 --> 00:13:11,760 Speaker 2: So I adore that so much. So tell me more, 301 00:13:11,800 --> 00:13:12,920 Speaker 2: what's life like now? 302 00:13:13,960 --> 00:13:17,280 Speaker 5: Yeah, So once we kind of got together, things started 303 00:13:17,280 --> 00:13:19,520 Speaker 5: to go forward for me really well, and I got 304 00:13:19,559 --> 00:13:20,560 Speaker 5: back into my studies. 305 00:13:20,600 --> 00:13:24,040 Speaker 6: So I ended up finishing my Diploma of accounts. 306 00:13:24,280 --> 00:13:26,360 Speaker 2: Oh congrats, queen, How good is that? 307 00:13:27,240 --> 00:13:28,480 Speaker 6: Thanks? Yeah, really good. 308 00:13:28,559 --> 00:13:30,760 Speaker 5: So that was very exciting and it kind of gag 309 00:13:30,840 --> 00:13:33,640 Speaker 5: me that motivation to keep going with my career and 310 00:13:33,720 --> 00:13:35,000 Speaker 5: kind of get back on track again. 311 00:13:35,160 --> 00:13:37,400 Speaker 6: And then I went to a new job. 312 00:13:37,480 --> 00:13:39,640 Speaker 5: Within the first six months, I was able to get 313 00:13:39,679 --> 00:13:40,640 Speaker 5: three pay rises. 314 00:13:40,920 --> 00:13:43,920 Speaker 2: Of course, you were, oh, my gosh, how good is that? 315 00:13:44,760 --> 00:13:47,600 Speaker 5: Yeah, it was pretty insane that We're just very happy 316 00:13:47,640 --> 00:13:50,600 Speaker 5: with the work I was able to produce and within 317 00:13:50,720 --> 00:13:53,360 Speaker 5: the timeframe that I'd been there and learning the business 318 00:13:53,440 --> 00:13:55,560 Speaker 5: and stuff. So yeah, that made a huge difference to 319 00:13:55,559 --> 00:13:56,760 Speaker 5: my financial situation. 320 00:13:56,960 --> 00:13:59,280 Speaker 4: Yeah, of course, and it would feel good as well 321 00:13:59,320 --> 00:14:01,640 Speaker 4: to go like, actually, do have this. I am on 322 00:14:01,679 --> 00:14:03,439 Speaker 4: the right track, I'm doing really well. 323 00:14:03,760 --> 00:14:04,040 Speaker 6: Yeah. 324 00:14:04,080 --> 00:14:06,679 Speaker 5: So then that's when I kind of started picking back 325 00:14:06,760 --> 00:14:08,960 Speaker 5: up on listening to Cheese on the Money again and 326 00:14:09,000 --> 00:14:10,040 Speaker 5: taking in the content. 327 00:14:10,520 --> 00:14:11,520 Speaker 6: And then that's when. 328 00:14:11,400 --> 00:14:14,520 Speaker 5: I paid down all my zip pay debt and got 329 00:14:14,600 --> 00:14:17,280 Speaker 5: rid of that one, and yeah, just started trying to 330 00:14:17,280 --> 00:14:19,400 Speaker 5: budget better and get on track, just so I wouldn't 331 00:14:19,480 --> 00:14:22,280 Speaker 5: end up in the situation that I was in before 332 00:14:22,520 --> 00:14:24,640 Speaker 5: where I just had no money and couldn't function. So 333 00:14:24,640 --> 00:14:28,040 Speaker 5: I started building up an emergency fund all of the things. 334 00:14:28,680 --> 00:14:30,480 Speaker 4: Yeah, Oh my gosh, I feel like I'm just so 335 00:14:30,600 --> 00:14:32,680 Speaker 4: proud of you, even though we've never met, that you're 336 00:14:32,720 --> 00:14:35,080 Speaker 4: back on track and you're back listening to the pod. 337 00:14:35,200 --> 00:14:38,280 Speaker 2: So welcome back, friend. We always love having you here. 338 00:14:38,800 --> 00:14:41,200 Speaker 2: But where are you now? I feel like there's so 339 00:14:41,360 --> 00:14:43,960 Speaker 2: much that has changed. And in your story you said 340 00:14:44,200 --> 00:14:48,520 Speaker 2: I'm now engaged. When did you get engaged? That's so exciting. 341 00:14:48,600 --> 00:14:50,200 Speaker 6: About a month ago? Roughly? 342 00:14:50,320 --> 00:14:53,200 Speaker 2: Oh my gosh, so like super super fresh. 343 00:14:52,800 --> 00:14:54,120 Speaker 6: Super fresh, very fresh. 344 00:14:54,480 --> 00:14:56,680 Speaker 2: Oh my gosh, that is literally the best. 345 00:14:56,720 --> 00:14:58,800 Speaker 4: And you have a baby on the way. I can't 346 00:14:58,800 --> 00:15:00,960 Speaker 4: think of a better combo. Are you living on a 347 00:15:01,040 --> 00:15:04,320 Speaker 4: high right now? Because I feel like I would be yes. 348 00:15:04,360 --> 00:15:05,320 Speaker 6: Very much on a high. 349 00:15:05,360 --> 00:15:08,640 Speaker 5: And then we've just moved into our first family home 350 00:15:08,680 --> 00:15:12,480 Speaker 5: together as well, and I also passed my business diploma, 351 00:15:12,600 --> 00:15:14,960 Speaker 5: so it's all happening in the past couple of months. 352 00:15:14,960 --> 00:15:15,560 Speaker 6: Who are you? 353 00:15:16,240 --> 00:15:20,400 Speaker 2: She's a queen. I love this so much. Oh my gosh. 354 00:15:20,560 --> 00:15:23,160 Speaker 4: So life is definitely looking up, and it's not looking 355 00:15:23,200 --> 00:15:24,320 Speaker 4: a lot like it used to. 356 00:15:24,960 --> 00:15:26,120 Speaker 6: Yes, one hundred percent. 357 00:15:26,240 --> 00:15:29,640 Speaker 5: And that's what I can't reiterate enough, Like, there's definitely 358 00:15:29,680 --> 00:15:31,840 Speaker 5: tough times, and you can fall into a pit and 359 00:15:31,920 --> 00:15:34,840 Speaker 5: things can be horrible, but you've got things to look 360 00:15:34,880 --> 00:15:37,960 Speaker 5: forward to as well. Lack can change so fast and 361 00:15:38,000 --> 00:15:40,880 Speaker 5: you're just gotta stick it out sometimes and get through 362 00:15:40,920 --> 00:15:43,360 Speaker 5: that tough bit and then there's always things to look 363 00:15:43,400 --> 00:15:43,840 Speaker 5: forward to. 364 00:15:44,520 --> 00:15:46,280 Speaker 4: Yeah, I feel like you've got to go through the 365 00:15:46,360 --> 00:15:49,560 Speaker 4: hard times to really really appreciate the good times too. 366 00:15:50,040 --> 00:15:51,880 Speaker 4: But if we step back a little bit, because I 367 00:15:51,920 --> 00:15:55,200 Speaker 4: feel like some of these things, unfortunately could happen to 368 00:15:55,240 --> 00:15:58,480 Speaker 4: other people in our community. When you were sitting on 369 00:15:58,520 --> 00:16:00,840 Speaker 4: the couch and you hadn't showered for three and you 370 00:16:00,880 --> 00:16:05,800 Speaker 4: were just essentially a mess. Would you have believed someone 371 00:16:05,880 --> 00:16:07,880 Speaker 4: if they'd sat you down and said, look, money, dice, 372 00:16:07,960 --> 00:16:09,640 Speaker 4: this is what life is going to look like in 373 00:16:09,720 --> 00:16:10,680 Speaker 4: just two short years. 374 00:16:11,080 --> 00:16:14,600 Speaker 5: No, no, wait, I would have said they were lying 375 00:16:14,840 --> 00:16:17,160 Speaker 5: through every inch of their body, Like, there's no way 376 00:16:17,240 --> 00:16:18,520 Speaker 5: I would have believed any of it. 377 00:16:19,360 --> 00:16:21,840 Speaker 4: And I feel like that's the best part, right, Like, 378 00:16:21,960 --> 00:16:23,720 Speaker 4: I feel like so many of us we go through 379 00:16:23,800 --> 00:16:26,480 Speaker 4: dark times and you just think this is never gonna 380 00:16:26,480 --> 00:16:28,560 Speaker 4: get better, this is never gonna change. And don't get 381 00:16:28,560 --> 00:16:30,960 Speaker 4: me wrong, I don't think someone in a really dark 382 00:16:31,000 --> 00:16:33,080 Speaker 4: situation can just jump up off the couch and. 383 00:16:33,040 --> 00:16:35,440 Speaker 2: Be like, it's gonna get better. This is the best part. 384 00:16:35,520 --> 00:16:38,400 Speaker 4: But I think sometimes we have to embrace the terrible 385 00:16:38,440 --> 00:16:41,480 Speaker 4: parts to go through that to come out the other 386 00:16:41,520 --> 00:16:44,200 Speaker 4: side and go Actually, you can't have the sunshine without 387 00:16:44,200 --> 00:16:46,680 Speaker 4: a little bit of rain, yep, And it. 388 00:16:46,640 --> 00:16:50,040 Speaker 5: Gives you a massive appreciation for those good things as well, 389 00:16:50,240 --> 00:16:53,160 Speaker 5: Like the good things just feel a thousand times better now. 390 00:16:53,320 --> 00:16:55,320 Speaker 4: I love that so much. All right, I've got so 391 00:16:55,360 --> 00:16:58,240 Speaker 4: many questions for you. Can we dive into more questions? Yes, 392 00:16:58,320 --> 00:17:00,560 Speaker 4: of course, I love it all right. So you mentioned 393 00:17:00,560 --> 00:17:03,240 Speaker 4: you'd graduated and you passed your diploma. So I want 394 00:17:03,280 --> 00:17:05,480 Speaker 4: to know what do you currently do for work and 395 00:17:05,640 --> 00:17:06,880 Speaker 4: how much money do you earn? 396 00:17:07,359 --> 00:17:11,520 Speaker 5: So I do accounts for a relining business and I 397 00:17:11,680 --> 00:17:13,760 Speaker 5: earn about ninety k a year currently. 398 00:17:13,960 --> 00:17:14,920 Speaker 2: Oh, very nice. 399 00:17:15,080 --> 00:17:19,520 Speaker 4: Ninety k year plus or including Super without Super. 400 00:17:19,800 --> 00:17:21,560 Speaker 2: So you've got Super on top of that. That is 401 00:17:21,720 --> 00:17:22,920 Speaker 2: very very sexy. 402 00:17:23,480 --> 00:17:26,240 Speaker 4: And can we just remind people that you're on ninety 403 00:17:26,280 --> 00:17:29,440 Speaker 4: plus Super and you didn't finish year eleven and twelve. 404 00:17:29,560 --> 00:17:30,560 Speaker 2: You dropped out in year ten? 405 00:17:30,920 --> 00:17:31,360 Speaker 6: Correct? 406 00:17:31,840 --> 00:17:33,080 Speaker 2: That is so slay. 407 00:17:33,320 --> 00:17:36,960 Speaker 4: I love this for you so much. Next question I've 408 00:17:36,960 --> 00:17:38,720 Speaker 4: got for you, what's your big money goal? What are 409 00:17:38,760 --> 00:17:41,040 Speaker 4: you currently working towards. You just moved into your first 410 00:17:41,080 --> 00:17:44,359 Speaker 4: family home, which is super exciting, but what's on the horizon. 411 00:17:44,520 --> 00:17:47,439 Speaker 5: So we're basically trying to save for a wedding and 412 00:17:47,480 --> 00:17:48,640 Speaker 5: the rest of our baby stuff. 413 00:17:48,680 --> 00:17:51,159 Speaker 4: At the moment, our baby stuff is so expensive it 414 00:17:51,200 --> 00:17:52,280 Speaker 4: all adds up. 415 00:17:52,800 --> 00:17:53,080 Speaker 6: Yep. 416 00:17:53,080 --> 00:17:55,320 Speaker 5: So we've got our major ticket items, but now it's 417 00:17:55,359 --> 00:17:57,679 Speaker 5: just slowly saving up for kind of the rest of 418 00:17:57,720 --> 00:17:59,760 Speaker 5: the stuff to make sure we have everything before bub 419 00:17:59,760 --> 00:18:02,239 Speaker 5: get here and then yeah, for the wedding is the 420 00:18:02,280 --> 00:18:02,680 Speaker 5: next thing. 421 00:18:03,200 --> 00:18:06,520 Speaker 4: How did you approach baby stuff, because when I was pregnant, 422 00:18:06,680 --> 00:18:10,119 Speaker 4: I was like, am I too early to be buying cots? 423 00:18:10,280 --> 00:18:12,320 Speaker 4: At what point should I be buying a cot? When 424 00:18:12,320 --> 00:18:14,440 Speaker 4: should I be setting up the nursery? And if we're 425 00:18:14,440 --> 00:18:16,879 Speaker 4: really honest, my nursery is still not finished and my 426 00:18:16,920 --> 00:18:18,200 Speaker 4: baby's eleven weeks old. 427 00:18:18,440 --> 00:18:21,120 Speaker 2: So how did you go about that? 428 00:18:21,160 --> 00:18:21,680 Speaker 6: Did you just. 429 00:18:21,640 --> 00:18:23,640 Speaker 4: Start getting things the second you found out you were 430 00:18:23,640 --> 00:18:26,560 Speaker 4: pregnant or was it something that you've only just sorted out. 431 00:18:26,680 --> 00:18:27,680 Speaker 6: It was a little bit of both. 432 00:18:27,760 --> 00:18:30,440 Speaker 5: Because me and my partner when we got together, we 433 00:18:30,760 --> 00:18:33,760 Speaker 5: pretty much decided to combine our finances straight away, and 434 00:18:33,840 --> 00:18:37,000 Speaker 5: we just had it set up that there's not a 435 00:18:37,080 --> 00:18:40,400 Speaker 5: his online wage, it's a US wage, so. 436 00:18:40,560 --> 00:18:42,600 Speaker 6: Everything is just all combined. 437 00:18:42,640 --> 00:18:45,560 Speaker 5: And then so we had our savings goals together, so 438 00:18:45,600 --> 00:18:48,160 Speaker 5: we knew exactly what we wanted. So we'd been saving 439 00:18:48,240 --> 00:18:50,879 Speaker 5: to have this baby for quite a long time, so 440 00:18:50,920 --> 00:18:53,000 Speaker 5: we were quite prepared. So we had lots of money 441 00:18:53,160 --> 00:18:55,359 Speaker 5: kind of sitting there ready to get all the baby stuff. 442 00:18:55,400 --> 00:18:57,520 Speaker 2: Oh I love that, So you're just ready to hit go. 443 00:18:58,320 --> 00:19:00,720 Speaker 5: Yeah, So we basically waited and so we moved into 444 00:19:00,720 --> 00:19:02,959 Speaker 5: the house and then went to purchase all that stuff. 445 00:19:03,000 --> 00:19:04,639 Speaker 6: But we had the money ready to go, which was 446 00:19:04,680 --> 00:19:05,360 Speaker 6: so helpful. 447 00:19:05,640 --> 00:19:08,400 Speaker 4: What's been the biggest surprise when it comes to finances 448 00:19:08,440 --> 00:19:12,000 Speaker 4: and babies? What's I guess surprised you about being pregnant 449 00:19:12,040 --> 00:19:14,240 Speaker 4: and having to fund this tiny human being. 450 00:19:15,280 --> 00:19:17,400 Speaker 6: Doctor's appointments There's so many. 451 00:19:17,200 --> 00:19:20,720 Speaker 4: Of them, Yes, and they're expensive. Are you paying out 452 00:19:20,720 --> 00:19:22,400 Speaker 4: of pocket for ultrasounds too? 453 00:19:23,400 --> 00:19:23,600 Speaker 1: Yes? 454 00:19:23,760 --> 00:19:24,720 Speaker 6: So out of pocket? 455 00:19:24,760 --> 00:19:27,160 Speaker 5: And then if you throw in as well, I had 456 00:19:27,160 --> 00:19:29,240 Speaker 5: a history of leakemia when I was little. 457 00:19:29,359 --> 00:19:30,800 Speaker 2: Oh my gosh. 458 00:19:30,920 --> 00:19:33,439 Speaker 5: Yeah, so it's like there's a normal doctor's appointments and 459 00:19:33,480 --> 00:19:35,400 Speaker 5: then there's all that on top of it as well. 460 00:19:35,440 --> 00:19:39,399 Speaker 5: To make sure my heart's functioning correct is just so much. 461 00:19:39,920 --> 00:19:40,879 Speaker 2: Oh my gosh. 462 00:19:40,920 --> 00:19:43,640 Speaker 4: So that's not only the expense, that's also a lot 463 00:19:43,680 --> 00:19:46,280 Speaker 4: of time. All right, let's go to a really quick 464 00:19:46,280 --> 00:19:48,240 Speaker 4: break on the flip side. I want to talk about debt, 465 00:19:48,320 --> 00:19:51,200 Speaker 4: investments and good and bad money habits, So guys don't 466 00:19:51,240 --> 00:19:56,280 Speaker 4: go anywhere, all. 467 00:19:56,240 --> 00:19:57,720 Speaker 2: Right, money dis we are back. 468 00:19:57,880 --> 00:20:00,399 Speaker 4: I feel like I have learnt so much about and 469 00:20:00,520 --> 00:20:04,440 Speaker 4: you are just like this epic, stoic but also very shiny, 470 00:20:04,520 --> 00:20:06,879 Speaker 4: happy person. I can't wait to share more of you 471 00:20:06,960 --> 00:20:09,240 Speaker 4: with our community. So I want to know. Do you 472 00:20:09,240 --> 00:20:11,760 Speaker 4: have any investments, If so, what are they? If not, 473 00:20:11,840 --> 00:20:12,880 Speaker 4: what are the plans. 474 00:20:13,119 --> 00:20:17,199 Speaker 5: Basically, I've got my super which is sitting at about 475 00:20:17,680 --> 00:20:19,560 Speaker 5: forty five nearly fifty k now. 476 00:20:19,440 --> 00:20:20,080 Speaker 6: Which is great. 477 00:20:20,320 --> 00:20:21,760 Speaker 2: Oh, that's fantastic. 478 00:20:22,280 --> 00:20:25,679 Speaker 5: And then we've only just started investing in shares in 479 00:20:25,720 --> 00:20:26,919 Speaker 5: the past two weeks. 480 00:20:26,920 --> 00:20:29,680 Speaker 4: Actually, oh my god, she's doing everything in the last 481 00:20:29,760 --> 00:20:33,640 Speaker 4: couple of weeks. Shares investments. You are engaged, you're having 482 00:20:33,680 --> 00:20:36,720 Speaker 4: a baby. What haven't you done in the last few weeks. 483 00:20:37,400 --> 00:20:39,720 Speaker 6: It doesn't feel like a whole heap, to be honest. 484 00:20:40,320 --> 00:20:43,199 Speaker 4: How did you pull the trigger to invest in shares? 485 00:20:43,240 --> 00:20:44,359 Speaker 4: How did you end up doing that? 486 00:20:44,720 --> 00:20:46,920 Speaker 5: Well, so, I'd done it a couple of years ago, 487 00:20:47,000 --> 00:20:49,959 Speaker 5: but I didn't like how volatile it felt and like 488 00:20:50,040 --> 00:20:52,879 Speaker 5: spending money on fees, which I didn't like. So I 489 00:20:52,960 --> 00:20:54,720 Speaker 5: kind of withdrew it all and then put it back 490 00:20:54,760 --> 00:20:58,040 Speaker 5: into like kind of a longer term savings account. But 491 00:20:58,359 --> 00:21:00,520 Speaker 5: the more I've listened to the podcast, it's kind of 492 00:21:00,520 --> 00:21:03,119 Speaker 5: been talking about shares and investing in how it can 493 00:21:03,160 --> 00:21:06,479 Speaker 5: be beneficial. So we've decided to just bite the bullet 494 00:21:06,520 --> 00:21:09,119 Speaker 5: and put that money back into shares account and just 495 00:21:09,280 --> 00:21:11,280 Speaker 5: see how it goes for the next couple months and 496 00:21:11,440 --> 00:21:12,840 Speaker 5: just wait and see. 497 00:21:13,560 --> 00:21:15,960 Speaker 4: I love this so much and maybe we can ride 498 00:21:15,960 --> 00:21:18,000 Speaker 4: out a bit more of that volatility. But it can 499 00:21:18,040 --> 00:21:21,520 Speaker 4: feel really scary at the time, right especially when you're 500 00:21:21,600 --> 00:21:23,600 Speaker 4: saying that you invested a couple of years ago that 501 00:21:23,640 --> 00:21:26,560 Speaker 4: would have been in a relatively tumultuous time in the market. 502 00:21:26,640 --> 00:21:29,560 Speaker 4: So I can imagine feeling a bit ikey, especially if 503 00:21:29,600 --> 00:21:30,720 Speaker 4: that was the first time. 504 00:21:31,400 --> 00:21:31,640 Speaker 6: Yep. 505 00:21:32,080 --> 00:21:35,240 Speaker 4: One out of ten do not recommend when in doubt, guys, 506 00:21:35,320 --> 00:21:38,639 Speaker 4: definitely zoom out. Let's talk a little bit about debt. 507 00:21:38,680 --> 00:21:41,120 Speaker 4: You mentioned before you got into some zip pay debt 508 00:21:41,359 --> 00:21:43,439 Speaker 4: and then you got out of it. Do you have 509 00:21:43,480 --> 00:21:46,399 Speaker 4: any debts currently? If so, what are they? If not, 510 00:21:46,600 --> 00:21:48,080 Speaker 4: how are we staying out of debt? 511 00:21:48,680 --> 00:21:50,800 Speaker 5: So I managed to pay off the Zippay and the 512 00:21:50,840 --> 00:21:53,400 Speaker 5: other debts I had from the time when I lost 513 00:21:53,440 --> 00:21:55,399 Speaker 5: my ex, which was fantastic, So we got out of 514 00:21:55,520 --> 00:21:55,919 Speaker 5: all of that. 515 00:21:56,720 --> 00:22:00,720 Speaker 6: Only debt we have currently is we've just purchased a 516 00:22:00,760 --> 00:22:02,960 Speaker 6: new family car yep. 517 00:22:02,920 --> 00:22:06,280 Speaker 5: So that cost us about thirteen grand, but we've already 518 00:22:06,280 --> 00:22:08,040 Speaker 5: brought that down to ten grand. 519 00:22:08,040 --> 00:22:10,000 Speaker 2: Now are we Oh my gosh, who are you? You're 520 00:22:10,040 --> 00:22:10,960 Speaker 2: smashing that down. 521 00:22:11,400 --> 00:22:15,119 Speaker 5: And then my partner also had a motorbike loan he 522 00:22:15,200 --> 00:22:18,240 Speaker 5: got a couple of years ago, which was unfortunately in 523 00:22:18,800 --> 00:22:21,240 Speaker 5: a loan account, which we weren't able to pay extra to. 524 00:22:21,680 --> 00:22:24,399 Speaker 4: Oh isn't that annoying because you're so ready to smash 525 00:22:24,480 --> 00:22:26,199 Speaker 4: it down and then you feel trapped by it. 526 00:22:26,760 --> 00:22:27,040 Speaker 6: Yeah. 527 00:22:27,040 --> 00:22:30,680 Speaker 5: So basically what we did we got a another loan 528 00:22:30,720 --> 00:22:33,520 Speaker 5: from somewhere else, paid that in full, and now we 529 00:22:33,560 --> 00:22:36,840 Speaker 5: can make extra payments on the loan that we've got. 530 00:22:37,160 --> 00:22:40,000 Speaker 4: Now that's smart. Then you're going to get out of 531 00:22:40,000 --> 00:22:42,240 Speaker 4: debt quicker. I love that for you guys. 532 00:22:42,600 --> 00:22:42,879 Speaker 6: Yeah. 533 00:22:42,920 --> 00:22:45,879 Speaker 5: So basically, by the time babies here, we should have 534 00:22:46,040 --> 00:22:48,840 Speaker 5: both of those debts squared and then all we have 535 00:22:48,920 --> 00:22:50,160 Speaker 5: to pay is our mortgage. 536 00:22:50,480 --> 00:22:53,480 Speaker 4: Oh very very cool. All right, you sound like you've 537 00:22:53,480 --> 00:22:55,040 Speaker 4: got your head screwed on. So I want to know 538 00:22:55,200 --> 00:22:57,040 Speaker 4: what is your best money habit. 539 00:22:57,440 --> 00:22:59,800 Speaker 6: I would have to say budgeting. 540 00:23:00,320 --> 00:23:02,720 Speaker 2: Accounts, So that makes sense. I feel like you should 541 00:23:02,720 --> 00:23:03,560 Speaker 2: be good at that, right. 542 00:23:04,680 --> 00:23:04,960 Speaker 6: Yeah. 543 00:23:05,040 --> 00:23:07,600 Speaker 5: So I've just got like a little basic spreadsheet that 544 00:23:07,720 --> 00:23:11,800 Speaker 5: just has our income, what we spend on a regular basis, 545 00:23:11,880 --> 00:23:13,679 Speaker 5: and then what we want to put away in saving. 546 00:23:13,760 --> 00:23:17,240 Speaker 5: So basically, each week, it's just we put money for 547 00:23:17,359 --> 00:23:20,560 Speaker 5: our internet, water, everything else. We know that set amount 548 00:23:20,600 --> 00:23:22,320 Speaker 5: that we have to move each week for all those 549 00:23:22,320 --> 00:23:23,440 Speaker 5: direct edits to come out. 550 00:23:23,560 --> 00:23:23,760 Speaker 2: Yep. 551 00:23:24,080 --> 00:23:25,760 Speaker 6: And then same kind of thing with the savings. 552 00:23:25,800 --> 00:23:28,040 Speaker 5: It's a set amount each week that moves out and 553 00:23:28,080 --> 00:23:29,720 Speaker 5: then by the end of the week we're down to 554 00:23:29,800 --> 00:23:32,720 Speaker 5: about you know, ten or zero dollars, but all the 555 00:23:32,720 --> 00:23:34,320 Speaker 5: money's been dispersed how it should. 556 00:23:34,440 --> 00:23:38,560 Speaker 4: So did you learn this through going to school and 557 00:23:38,600 --> 00:23:41,440 Speaker 4: doing TAFE and stuff like that and doing your accounts 558 00:23:41,520 --> 00:23:43,560 Speaker 4: or is this something that you've always just been really 559 00:23:43,640 --> 00:23:44,040 Speaker 4: good at. 560 00:23:44,400 --> 00:23:46,280 Speaker 6: I think it's a little bit of a mix of both. 561 00:23:46,440 --> 00:23:48,760 Speaker 5: Like I was always not too bad at it, but 562 00:23:48,920 --> 00:23:52,160 Speaker 5: going to tape definitely kind of cemented in exactly how 563 00:23:52,200 --> 00:23:55,440 Speaker 5: to do it and the importance of it rather than 564 00:23:55,520 --> 00:23:57,159 Speaker 5: just spending just because you've got it. 565 00:23:57,520 --> 00:23:59,679 Speaker 4: I love And if someone is listing and they're like, 566 00:23:59,800 --> 00:24:02,919 Speaker 4: I don't have a budget, budgets feel overwhelming, like I 567 00:24:03,040 --> 00:24:04,000 Speaker 4: just don't want to do it. 568 00:24:04,040 --> 00:24:05,080 Speaker 2: What would your advice be? 569 00:24:05,600 --> 00:24:07,639 Speaker 6: It is genuinely a lifesaver. 570 00:24:08,080 --> 00:24:10,720 Speaker 5: Just give it a go, even if you start out 571 00:24:10,760 --> 00:24:14,080 Speaker 5: with like a non strict budget at the start, give 572 00:24:14,119 --> 00:24:16,320 Speaker 5: yourself a fair whack of spending money and then just 573 00:24:16,359 --> 00:24:19,000 Speaker 5: see if you can stick to that amount. My probably 574 00:24:19,080 --> 00:24:22,160 Speaker 5: worst habit used to be going out and that kind 575 00:24:22,200 --> 00:24:22,920 Speaker 5: of like fomo. 576 00:24:23,480 --> 00:24:26,080 Speaker 6: So yeah, just give yourself a bit of leeway at 577 00:24:26,119 --> 00:24:26,680 Speaker 6: the start. 578 00:24:26,480 --> 00:24:28,600 Speaker 5: And then slowly try and creep it in, and then 579 00:24:28,760 --> 00:24:30,520 Speaker 5: if you can't afford to do it that week, do 580 00:24:30,560 --> 00:24:34,000 Speaker 5: it the following week when you get paid again, Like, yeah. 581 00:24:33,720 --> 00:24:35,919 Speaker 4: That's fair because there's a cash flow, it keeps coming 582 00:24:36,000 --> 00:24:38,720 Speaker 4: in over time. I feel like so many times we 583 00:24:38,760 --> 00:24:41,760 Speaker 4: think we're really restricting ourselves when the reality is like, 584 00:24:42,000 --> 00:24:44,399 Speaker 4: if you really want something, it might just be not 585 00:24:44,560 --> 00:24:46,720 Speaker 4: right now, and we can have it in the future. 586 00:24:46,840 --> 00:24:49,520 Speaker 4: We just need to be better at long term gratification. 587 00:24:49,720 --> 00:24:53,359 Speaker 5: I feel definitely having set exactly where you want to 588 00:24:53,359 --> 00:24:55,920 Speaker 5: be going in life with your personal goals helps to. 589 00:24:56,480 --> 00:24:57,640 Speaker 6: Achieve a good budget. 590 00:24:57,680 --> 00:25:00,360 Speaker 5: Like, we knew we wanted kids, so putting my away 591 00:25:00,440 --> 00:25:02,439 Speaker 5: four kids was something that was important to us. So 592 00:25:02,480 --> 00:25:04,840 Speaker 5: if that meant we couldn't get takeaway two nights a 593 00:25:04,840 --> 00:25:07,320 Speaker 5: week to afford that, that was a sacrifice we were 594 00:25:07,320 --> 00:25:07,920 Speaker 5: willing to make. 595 00:25:08,240 --> 00:25:10,480 Speaker 4: I love that, and I love that it sounds like 596 00:25:10,560 --> 00:25:12,360 Speaker 4: you and your partner have just gotten on the same 597 00:25:12,359 --> 00:25:13,240 Speaker 4: page really quickly. 598 00:25:13,320 --> 00:25:14,960 Speaker 2: You've gone, you know what, this is what we want. 599 00:25:14,960 --> 00:25:16,240 Speaker 2: This is the life we're creating. 600 00:25:16,480 --> 00:25:18,760 Speaker 4: And not only do we want this, we're actively going 601 00:25:18,800 --> 00:25:20,600 Speaker 4: to work towards it and just get it done. 602 00:25:20,720 --> 00:25:22,600 Speaker 2: That literally is the best. 603 00:25:23,359 --> 00:25:25,639 Speaker 5: Yeah, And it was instant, and it stayed like that 604 00:25:25,760 --> 00:25:27,600 Speaker 5: this whole time, and that's why it's been such a 605 00:25:27,800 --> 00:25:30,880 Speaker 5: cruisy and amazing relationship. We've just been on the same 606 00:25:30,920 --> 00:25:34,199 Speaker 5: page and it's just not changed and it's just fantastic. 607 00:25:34,600 --> 00:25:36,560 Speaker 2: Oh good, I love this all right. 608 00:25:36,600 --> 00:25:39,679 Speaker 4: You mentioned before that your worst money habit used to 609 00:25:39,720 --> 00:25:42,320 Speaker 4: be going out and fomo, but what is it now? 610 00:25:42,600 --> 00:25:44,600 Speaker 6: It's still probably a little bit of the same. 611 00:25:44,720 --> 00:25:47,320 Speaker 5: I've tried to get better with it by actually getting 612 00:25:47,400 --> 00:25:50,439 Speaker 5: rid of Snapchat and Instagram. That was kind of the 613 00:25:50,440 --> 00:25:52,879 Speaker 5: worst catalyst for me, because it would be like I'd 614 00:25:52,880 --> 00:25:54,960 Speaker 5: see my friends going out to the pub or getting 615 00:25:54,960 --> 00:25:57,399 Speaker 5: a cocktail or going out for dinner, and then I 616 00:25:57,440 --> 00:25:58,879 Speaker 5: was like, oh, well, I kind of want to go 617 00:25:58,960 --> 00:26:01,800 Speaker 5: do that too. Now because I don't see that happening 618 00:26:01,840 --> 00:26:03,920 Speaker 5: all the time like I used to. I don't really 619 00:26:03,960 --> 00:26:06,639 Speaker 5: get that feeling so much anymore, and I'm quite content 620 00:26:06,880 --> 00:26:09,920 Speaker 5: just kind of being at home and eating food at home. 621 00:26:10,440 --> 00:26:11,159 Speaker 2: Yeah, I love that. 622 00:26:11,240 --> 00:26:14,400 Speaker 4: I feel like sometimes we have to like turn our 623 00:26:14,520 --> 00:26:17,159 Speaker 4: stuff off so that we can focus on ourselves or 624 00:26:17,200 --> 00:26:18,639 Speaker 4: focus on our own goals. 625 00:26:18,720 --> 00:26:20,160 Speaker 2: I've done that a lot recently. 626 00:26:20,600 --> 00:26:23,720 Speaker 4: I haven't unfollowed heaps of people, but I have definitely 627 00:26:23,800 --> 00:26:27,000 Speaker 4: muted a few that I'm feeling like influenced me too 628 00:26:27,080 --> 00:26:29,720 Speaker 4: much to spend. So I'm like, no, like, I'll go 629 00:26:29,800 --> 00:26:32,639 Speaker 4: check your stories if I'm thinking about it, But sometimes 630 00:26:32,720 --> 00:26:34,360 Speaker 4: it would pop up and then I would just go 631 00:26:34,440 --> 00:26:37,440 Speaker 4: straight into purchase mode and I just needed to separate 632 00:26:37,480 --> 00:26:39,960 Speaker 4: myself from that, and that has been brilliant. Like I 633 00:26:40,000 --> 00:26:43,320 Speaker 4: feel like I'm spending less. My mental health is better 634 00:26:43,359 --> 00:26:45,680 Speaker 4: because I'm not always feeling like I'm missing out. 635 00:26:46,000 --> 00:26:48,040 Speaker 2: I think it's a genius thing to do. And it's free. 636 00:26:49,160 --> 00:26:50,960 Speaker 6: Yeah, literally doesn't cost a cent. 637 00:26:51,560 --> 00:26:56,440 Speaker 2: In fact, it's going to save you money. Yep, money, diarist. 638 00:26:56,520 --> 00:26:59,000 Speaker 4: I feel like I have learned so much about you 639 00:26:59,400 --> 00:27:02,640 Speaker 4: and this story is incredible, Like it breaks my heart 640 00:27:02,680 --> 00:27:05,119 Speaker 4: to know what you've been through, but it also sets 641 00:27:05,160 --> 00:27:07,320 Speaker 4: my soul on fire to know where you're at today, 642 00:27:07,480 --> 00:27:09,600 Speaker 4: Like knowing that you're going to welcome a baby into 643 00:27:09,640 --> 00:27:12,199 Speaker 4: the world. Really soon, and now you're a homeowner and 644 00:27:12,240 --> 00:27:14,679 Speaker 4: you've found the love of your life. Like, I'm just 645 00:27:15,320 --> 00:27:18,840 Speaker 4: so overwhelmingly excited for you. But at the start of 646 00:27:18,880 --> 00:27:21,240 Speaker 4: this episode you said, v I think I'm a Bee, 647 00:27:21,680 --> 00:27:23,560 Speaker 4: But then you've gone through and told me that you're 648 00:27:23,560 --> 00:27:26,720 Speaker 4: a homeowner. You've just gotten engaged, like you've already planned 649 00:27:26,760 --> 00:27:29,760 Speaker 4: for a baby, like budgeting your best habit, You've got 650 00:27:29,760 --> 00:27:32,000 Speaker 4: a heap in super like you've got this epic job 651 00:27:32,240 --> 00:27:35,879 Speaker 4: despite not having finished year eleven and twelve? One do 652 00:27:35,920 --> 00:27:38,639 Speaker 4: you think you're still a Bee? And then two what 653 00:27:38,680 --> 00:27:39,840 Speaker 4: would it take to get to that? 654 00:27:39,880 --> 00:27:40,720 Speaker 2: A plus for you? 655 00:27:41,520 --> 00:27:43,400 Speaker 6: I do kind of feel like I'm still a Bee 656 00:27:43,400 --> 00:27:43,919 Speaker 6: at the moment. 657 00:27:44,080 --> 00:27:47,399 Speaker 5: I would like to get better with my investing to 658 00:27:47,480 --> 00:27:49,800 Speaker 5: feel like I can kind of creep up into that 659 00:27:49,840 --> 00:27:54,280 Speaker 5: next level. And then yeah, because we're looking at dropping 660 00:27:54,480 --> 00:27:57,959 Speaker 5: out hours for a better work life balance, that's going 661 00:27:58,040 --> 00:28:00,800 Speaker 5: to take a lot of rebudgeting and figure things out. 662 00:28:00,880 --> 00:28:03,320 Speaker 5: So I think once we've got that on track, then 663 00:28:03,560 --> 00:28:05,800 Speaker 5: I may be able to jump up to that next class. 664 00:28:05,880 --> 00:28:07,800 Speaker 4: I feel like you're on the way, though, So that's 665 00:28:07,800 --> 00:28:10,720 Speaker 4: not anything you have to change, it's just time frames 666 00:28:10,840 --> 00:28:12,359 Speaker 4: and working towards it. 667 00:28:12,440 --> 00:28:13,080 Speaker 2: I love that. 668 00:28:13,080 --> 00:28:14,679 Speaker 4: That means that you're going to be an A plus 669 00:28:14,720 --> 00:28:15,960 Speaker 4: in absolutely no time. 670 00:28:17,359 --> 00:28:18,639 Speaker 6: I'm hoping so I know. 671 00:28:18,800 --> 00:28:20,800 Speaker 2: So money, Daris, thank you so much. 672 00:28:20,960 --> 00:28:24,200 Speaker 4: Unfortunately that is all we have time for today, but 673 00:28:24,400 --> 00:28:27,240 Speaker 4: I really appreciate it. I cannot tell you how excited 674 00:28:27,280 --> 00:28:29,600 Speaker 4: I am to share your story with the community and 675 00:28:29,640 --> 00:28:31,920 Speaker 4: how many people it's going to positively impact. 676 00:28:32,000 --> 00:28:33,240 Speaker 2: So thank you so much. 677 00:28:33,680 --> 00:28:34,960 Speaker 6: Thank you so much for your time. 678 00:28:35,240 --> 00:28:44,360 Speaker 4: Of course, the advice shared on She's on the Money 679 00:28:44,480 --> 00:28:48,200 Speaker 4: is general in nature and does not consider your individual circumstances. 680 00:28:48,560 --> 00:28:52,000 Speaker 4: She's on the Money exists purely for educational purposes and 681 00:28:52,040 --> 00:28:54,440 Speaker 4: should not be relied upon to make an investment or 682 00:28:54,520 --> 00:28:58,160 Speaker 4: financial decision. If you do choose to buy a financial product, 683 00:28:58,200 --> 00:29:01,800 Speaker 4: read the PDS, TMD and A detain appropriate financial. 684 00:29:01,320 --> 00:29:03,120 Speaker 2: Advice tailored towards your needs. 685 00:29:03,480 --> 00:29:07,400 Speaker 4: Victoria Divine and She's on the Money are authorized representatives 686 00:29:07,440 --> 00:29:09,960 Speaker 4: of Money. Sheper p T y lt D A b 687 00:29:10,160 --> 00:29:13,240 Speaker 4: N three two one six four nine two seven seven 688 00:29:13,360 --> 00:29:18,920 Speaker 4: zero eight AFS L four five one two eight nine