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

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

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

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

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

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

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

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

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Speaker 1: today and lasting impact for tomorrow.

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Speaker 2: Let's get into it.

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Speaker 3: She's on the Money, She's on the Money.

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Speaker 4: Hello, and welcome to She's I'm the Money the Podcast

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Speaker 4: Millennials who want financial freedom. Welcome back to another shot

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Speaker 4: back Money Diary Monday, where we get to chat to

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Speaker 4: one of our beautiful community members to learn all about

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Speaker 4: them and their money and their story and all of

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Speaker 4: the other fun bits and pieces in between. Victoria, I

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Speaker 4: have a little bit of an international one feature.

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Speaker 2: So when International Money diarest, I love this.

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Speaker 4: Well, now she's here, but let me tell you all

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Speaker 4: about it. Let's go, she said, I migrated to Australia

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Speaker 4: for the first time in twenty twelve from Spain. My

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Speaker 4: family did not believe in me. I learned English and

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Speaker 4: I took on a fifty thousand dollar loan to do

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Speaker 4: the master's degree of my dreams in psychology. I finally

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Speaker 4: got the English score needed to get in, having failed

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Speaker 4: that English test seven times.

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Speaker 2: Oh my gosh, what a hustler.

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Speaker 4: I set about paying for the loan, working night shifts

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Speaker 4: in disability care while studying. I am about to become

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Speaker 4: a clinical psychologist and a brand new Australian citizen and

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Speaker 4: have the goal salary of my dreams.

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Speaker 2: Oh my gosh, what a queen. Imagine doing something seven times.

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Speaker 2: If that's not the definition of lockdown and just getting

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Speaker 2: back up and trying again, I don't know what it is.

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Speaker 1: I know.

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Speaker 4: I'm so excited to hear all from our money diarist today.

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Speaker 4: Thank you so much for joining us, Thank.

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Speaker 5: You for having me.

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Speaker 2: Welcome to the show. I am so excited that you

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Speaker 2: are here. Can we just dive straight in? I want

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Speaker 2: to know talk to us. Can you tell us a

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Speaker 2: little bit about your money story.

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Speaker 1: Yeah.

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Speaker 5: I grew up in a family of five in Barcelona,

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Speaker 5: so I have two sisters and my parents came from

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Speaker 5: quite humble backgrounds, so money was tight in the family

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Speaker 5: growing up, but we always had food and a place

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Speaker 5: to live at I feel like my parents were really

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Speaker 5: good budgeting, so I didn't really see that much struggles

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Speaker 5: with their finances, but I felt a bit restricted, like

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Speaker 5: doing extra things like extra curricular activities or buying things

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Speaker 5: when it wasn't my birthday. But I feel very grateful

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Speaker 5: that they were able to budget and provide all the

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Speaker 5: basics and necessaries that I needed.

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Speaker 2: Love or I want to know what do you do

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Speaker 2: for work now? And how much money do you earn

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Speaker 2: at the moment.

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Speaker 5: I'm a general psychologist and I aarn between eighty and

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Speaker 5: ninety thousand.

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Speaker 2: Very cool, And how long have you been earning that?

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Speaker 2: Not long?

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Speaker 5: I believe it has been over a year now.

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Speaker 4: That's so exciting. And you said in your email that

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Speaker 4: that's a goal or your dream salary. That must have

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Speaker 4: been so exciting for you to have worked so hard

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Speaker 4: and taken that test so many times and done all

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Speaker 4: of your study to finally hit that. What was that

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Speaker 4: moment like when you got the job offer or the

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Speaker 4: notice that you were going to hit the salary that

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Speaker 4: you had been dreaming of Yeah, well.

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Speaker 5: My goal salary is a hundred thousand, so at the

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Speaker 5: end of this year I will become a clinical psychologist

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Speaker 5: and then they'll put me between aundred and one hundred

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Speaker 5: and ten. And yes, that's going to be a very

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Speaker 5: special moment.

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Speaker 4: Oh, I'm so excited for you. Congratulation, that's so exciting.

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Speaker 2: Oh my gosh. All right, I want to know. Obviously

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Speaker 2: that was a big money goal, but what is currently

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Speaker 2: your big money goal?

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Speaker 5: I have a few, So when I think of money goals,

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Speaker 5: I imagine myself having both the property in Barcelona and

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Speaker 5: also a house an investment house in Brisbane before the Olympics,

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Speaker 5: and being able to have the means to spend ten

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Speaker 5: months in Australia, working in two months in Spain every

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Speaker 5: year and living comfortably.

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Speaker 2: Love or I want to know next, do you have

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Speaker 2: any investments? If so, what are they At the moment?

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Speaker 5: I think my biggest investment is the master's I did,

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Speaker 5: which was my education that got me to where I

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Speaker 5: am and I'm still paying for it a bit. And

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Speaker 5: another investments that I have I have a long term

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Speaker 5: deposits account, savings account and the superannuation as well.

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Speaker 4: Superanuation is a big one. Yeah, filling people. It's their

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Speaker 4: first investment.

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Speaker 2: It is their first investment. How has your super been going?

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Speaker 2: Have you been tracking along nicely or is that brand

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Speaker 2: new with your brain a new job.

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Speaker 5: Well, I know I haven't been tracking on it much

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Speaker 5: until I became more educated listening to the podcast, and

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Speaker 5: then I have been keeping an eye making sure I

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Speaker 5: get paid on the superanoation on time and seeing how

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Speaker 5: that grows.

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Speaker 4: Oh good, keeping an eye on it is so important

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Speaker 4: because as much as it's meant to be always looked after,

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Speaker 4: as we know from the show, sometimes that's not always

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Speaker 4: the case. Good that you're keeping an eye on it.

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Speaker 2: Next question I've got for you is do you have

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Speaker 2: any debts?

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Speaker 5: I do? I have some money that I had. I

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Speaker 5: have to still pay for my master's loan. So I

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Speaker 5: took on a fifty thousand dollars loan and at the moment,

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Speaker 5: I believe it's under sixteen thousand dollars.

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Speaker 4: How did that work you? Were you a citizen when

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Speaker 4: you started your master's or were you doing it as

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Speaker 4: an international student.

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Speaker 5: That's a good question. So I had to ask for

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Speaker 5: a loan in Spain because they want to give it

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Speaker 5: to me, so money had to co sign.

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Speaker 2: Oh my goodness, Oh my gosh, how stressful.

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Speaker 5: Yes, and she thought because in the Spain and masters

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Speaker 5: can be like five thousand euros.

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Speaker 4: So she really.

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Speaker 5: Yes, she thought I was completely crazy taking on that

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Speaker 5: much money.

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Speaker 4: Yes, I want fifty thousand dollars. And she's like, what

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Speaker 4: for it?

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Speaker 2: Would you want that? Especially, as she said before, she

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Speaker 2: was really good at budgeting and saving and you know,

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Speaker 2: being good with her money. She would have been like,

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Speaker 2: oh my gosh.

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Speaker 5: Yeah, she didn't believe that after you do that course

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Speaker 5: you get a good salary, because in the Spain it's

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Speaker 5: hard to find jobs even though you are very well trained.

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Speaker 5: And so she made me take the loan in two

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Speaker 5: different parts, one for the first year and the seconde

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Speaker 5: for the second year, being very cautious and it took

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Speaker 5: a lot of effort to get her to call sign.

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Speaker 2: Oh, but you did it, and I'm sure she's very

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Speaker 2: proud of you.

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Speaker 5: Now. Yes, yeah, I have proved her that it was useful.

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Speaker 5: So yes, she's very happy.

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Speaker 2: Oh I love it all right. Next question I've got

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Speaker 2: for you is do you use Shop Back? If so,

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Speaker 2: what are you buying.

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Speaker 5: I've only used it one and I bought the tickets

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Speaker 5: to see you guys.

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Speaker 2: No, did you actually up?

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Speaker 4: I love the EU shot back for she's on the

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Speaker 4: money event like that is that is artest way to

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Speaker 4: do it. That is, she's on the money through and through.

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Speaker 2: Absolutely it is all right. My next question, my friend,

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Speaker 2: is what's your best money habit? Do you think? I

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Speaker 2: think the.

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Speaker 5: Best money habit is the long term the posit I have.

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Speaker 5: The savings I have is when I pen my student

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Speaker 5: loan the first of each month, I also pay for

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Speaker 5: those savings, so it's like a bill. It's a car

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Speaker 5: direct transfer. So I need to make sure I have

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Speaker 5: the money every month and I take it as a bill,

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Speaker 5: so I always have that money ready and it just

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Speaker 5: accumulates on the savings.

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Speaker 2: Love. I feel like that's really smart. Next question I

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Speaker 2: have though, what's your worst money habit?

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Speaker 5: I mean, I have money, but my partner says that

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Speaker 5: I buy tickets for the Price Home Lottery, So I

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Speaker 5: have a membership.

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Speaker 2: You have a membership with it?

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Speaker 5: Yeah, I have the VP membership. So every month I

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Speaker 5: pad like sixty dollars I think for you, and I

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Speaker 5: get tickets.

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Speaker 4: And charity thing, isn't it?

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Speaker 2: Yeah?

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Speaker 4: Yeah, consider it a charitable contribution, which I think is

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Speaker 4: not the West.

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Speaker 5: Yeah, that's what I say to him.

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Speaker 2: Oh my gosh. I love so hard when they say

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Speaker 2: that their money habit is that, because obviously it's like

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Speaker 2: not that detrimental, but it's also just like so in

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Speaker 2: opposite to what we do. But who are way to

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Speaker 2: judge your money values. If you know what you're doing

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Speaker 2: and you're excited about it, I want you to spend

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Speaker 2: your money on that, as long as it's in an

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Speaker 2: educated way, right. Yeah.

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Speaker 5: I think this comes from my partents when they were

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Speaker 5: working at the same company and the company went bankrupt.

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Speaker 5: So then they want a little bit of a local

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Speaker 5: lottery and they could start their own news agency business.

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Speaker 2: Did they really?

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Speaker 5: You always have the hole?

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Speaker 4: Yes, what are the chances that they won, like a local?

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Speaker 4: How much did they win? Was it a I mean

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Speaker 4: for them to be at a stuf business, I would

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Speaker 4: assume they want a little bit, right.

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Speaker 5: Yeah, what my mom never told me. She really Yeah,

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Speaker 5: she doesn't give exact numbers, but yeah, this gives me

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Speaker 5: hope that people win this.

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Speaker 4: Yeah.

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Speaker 2: I can't believe you know someone who's done that. I

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Speaker 2: was about to say to you, Oh my gosh, if

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Speaker 2: you win, please call us, because we've never met someone

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Speaker 2: who's won the Home Lottery. So what we're calling out

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Speaker 2: now is, if you want the Home Lottery, call me.

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Speaker 2: I want your money to die. Yeah. Okay, Oh my gosh,

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Speaker 2: how good? All right? So really quick question before we

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Speaker 2: go to a quick break is what grade would you

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Speaker 2: give yourself if we forced you to give yourself a

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Speaker 2: money grade?

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Speaker 5: I feel maybe B minus, B minus you reckon? I

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Speaker 5: think I could be investing more. I feel like I

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Speaker 5: make the most of the morney I get, but I

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Speaker 5: could be a bit better.

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Speaker 2: What would it take to be better in your world?

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Speaker 5: Maybe reducing my lottery membership and sometimes I like to

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Speaker 5: buy things for people, budgeting on that well, or when

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Speaker 5: I see something that I like sometimes I also by it.

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Speaker 5: So cutting down on those things.

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Speaker 2: A bit smart? Smart? All right, We have a few questions,

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Speaker 2: but we'll hold off on them until we're back from

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Speaker 2: this really quick break.

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Speaker 4: All right, money, direst, I want to ask you about

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Speaker 4: English being your second language, which you can't even really tell,

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Speaker 4: like your English is incredibly good, but to fail in

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Speaker 4: English tests seven times, and obviously you needed to pass

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Speaker 4: that test to be able to complete your degree, which

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Speaker 4: was really important to you. I being honest, if I

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Speaker 4: failed something seven times, I don't know that I could

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Speaker 4: have the will power to try it again. How did

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Speaker 4: you motivate yourself? Because I think languages are so hard,

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Speaker 4: and English particularly is a language that just makes no sense,

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Speaker 4: Like there are so many little nuances and things that

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Speaker 4: I think for people, even for people who do grow

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Speaker 4: up speaking as their first language, it's really freaking hard.

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Speaker 4: And then someone coming in and learning it as an adult,

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Speaker 4: I can imagine that would be so challenging. How did

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Speaker 4: you manage to go, oh, my gosh, I failed again,

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Speaker 4: Like you would have studied really hard and thought you'd

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Speaker 4: done the best that you could, and then to find

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Speaker 4: out you failed and go, Okay, well guess I'm just

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Speaker 4: going to try again. Especially when your mom was like, oh,

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Speaker 4: maybe it's not worth it. How did you manage to

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Speaker 4: do that?

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Speaker 5: I feel like my mom saying this, it gave me

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Speaker 5: more motivation to try again. So I look for when

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Speaker 5: I fell six times, I look for a really good

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Speaker 5: English school, and I did a preparation again for the exam.

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Speaker 5: And I remember having a child with my mom and

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Speaker 5: my mom said, open your eyes and you might not

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Speaker 5: be able to go on Australian University. You're from Spain,

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Speaker 5: and that gave me the strength to say, yes, I

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Speaker 5: can do this. And I said to myself, I tried

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Speaker 5: just one more time, and that time I got it.

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Speaker 4: Oh my gosh, Oh yes.

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Speaker 2: Queen, try I try and try again. It obviously pays off.

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Speaker 2: I love that so much. I just I agree with you, Jess.

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Speaker 2: I don't think I would have the tenacity to keep

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Speaker 2: going on. I would love to think I would, right,

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Speaker 2: like in a perfect world that's what we all do,

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Speaker 2: but that would wear me down like three times, and

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Speaker 2: I think I'd be like, you know what, this maybe

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Speaker 2: isn't for me. But I'm so proud of you, even

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Speaker 2: though I do not have the deservingness to be proud

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Speaker 2: of you. I just feel like I want to hug

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Speaker 2: you and be like, yes, we did it. We're so

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Speaker 2: lucky to have you.

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Speaker 4: So did you have to pass that test before you

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Speaker 4: started your masters or was it like at a midway

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Speaker 4: point before.

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Speaker 5: So it's a test that you need to get certain

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Speaker 5: scored in breathing, listening, speaking, and I wasn't getting that

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Speaker 5: score in writing over and over.

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Speaker 4: Writing is hard. Yeah, the grammar and stuff, and I've yeah,

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Speaker 4: I totally yet why that is really challenging. How did

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Speaker 4: you find studying a full master's degree in a language

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Speaker 4: that's not your own, because that's crazy again, Like I

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Speaker 4: I couldn't even imagine doing a master's degree, let alone.

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Speaker 4: If you said to me, can you take it in Spanish,

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Speaker 4: I'd be like, poor quere Like, I mean that was

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Speaker 4: good Spanish though, good work for one word. I know.

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Speaker 5: It was definitely challenging and quite draining putting all the

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Speaker 5: mental effort. But at the same time, being in psychology

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Speaker 5: and having a lot of placement, I always thought that

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Speaker 5: emotions are universal, so there was all of this part

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Speaker 5: that had nothing to do with the language, and it

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Speaker 5: was more about connecting with a person. And with all

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Speaker 5: the assessments, I had teachers who could help me as

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Speaker 5: well review my assessments and give me advice, so they

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Speaker 5: were very welcoming. There were a couple of more international

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Speaker 5: students as well.

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Speaker 4: Yeah, Australia has a really high level of international student

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Speaker 4: studying here, which is awesome. Did your university have provisions

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Speaker 4: in place to assist you, like, did you have resources

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Speaker 4: that were available to help with like translation or to

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Speaker 4: help with like any of those little things that might

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Speaker 4: come up that you wouldn't be prepared for while you

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Speaker 4: were studying.

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Speaker 5: Yeah, I believe they had services to help with the

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Speaker 5: writing and taking the assessments. At that time, I had

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Speaker 5: been in Australia for a few years, so I didn't

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Speaker 5: use them that much, but they did have a lot

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Speaker 5: of help.

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Speaker 4: You said before, the goal or your end goal was

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Speaker 4: to spend you know, ten months here and two months

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Speaker 4: back home, which would be amazing. That sounds like an

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Speaker 4: absolute dream if you did that. Would you take those

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Speaker 4: two months as a holiday or would you want to

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Speaker 4: be working over there as a psychologist at the same time.

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Speaker 5: Yeah, that's a good question. I haven't figured out yet,

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Speaker 5: but I think being able to work there it would

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Speaker 5: be great. It's always an open door if I want

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Speaker 5: to stay any longer, or if I want to see

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Speaker 5: clients for a month and then take a month off.

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Speaker 4: Yeah, incredible. How does your mom feel now now that

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Speaker 4: you've completed your degree? She was a little bit dubious

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Speaker 4: at the start, and then obviously you've done it, You've

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Speaker 4: now got a job. Is she I mean, I have

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Speaker 4: no doubt that she would be really proud of you.

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Speaker 4: But does she now kind of go, oh my gosh,

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Speaker 4: you were right.

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Speaker 5: Yes, I think she's very proud, and I don't think

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Speaker 5: her comments before were coming from a bad place. She

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Speaker 5: was more like trying to protect me and.

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Speaker 2: She doesn't want me to struggle.

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Speaker 5: Yeah, so I feel like now she yeah, I have

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Speaker 5: proven her that I could do it, and she feels

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Speaker 5: quite quite proud and talks about me with the friends

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Speaker 5: and everything. So yeah, I think she, Oh, I happy

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Speaker 5: so much.

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Speaker 4: How about your siblings, any of your siblings over here

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Speaker 4: as well or they all still back home.

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Speaker 5: They are back home. They are my older sister, so

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Speaker 5: I'm also like the baby of the family who moved here.

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Speaker 5: But yeah, I like them to visit me more. But

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Speaker 5: a ticket to Australia, just a flying ticket, is like

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Speaker 5: a whole month, the salary of a month in Spain,

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Speaker 5: so it's harsh.

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Speaker 1: Yeah.

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Speaker 4: How is a flight from here to Spain? I feel

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Speaker 4: like that's quite a big trip to make as well.

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Speaker 5: Yeah, it's actually the Antipote. I think it's the name,

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Speaker 5: like the opposite part of the war. Yes, yeah, so

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Speaker 5: there's two flights from here to Barcelona. There's a fourteen

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Speaker 5: hour flight and then a six or seven hour flight,

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Speaker 5: so around like twenty twenty one hours.

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Speaker 4: Yeah, that's a huge so much.

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Speaker 2: That's massive because you don't just get to go direct right, Like,

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Speaker 2: that's so stressful. How often do you get to go

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Speaker 2: home at the moment.

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Speaker 5: I've been quite lucky and prioritizing going there once a year,

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Speaker 5: so I've been there a fair bit.

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Speaker 4: Were you able to travel over COVID as well, or

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Speaker 4: was it a couple of years during that period where

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Speaker 4: you couldn't.

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Speaker 5: No, I went luckily in February twenty twenty before everything started,

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Speaker 5: and then as soon as they opened in Christmas last year.

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Speaker 4: I went, yeah, how do you find I? Sorry, I

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Speaker 4: have a lot of questions because it's something I've like.

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Speaker 4: I love the idea of picking up my life and

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Speaker 4: moving to another country, but I am very risk adverse

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Speaker 4: just as an individual. It's something that I would find

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Speaker 4: really hard. How did you go setting up a support

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Speaker 4: network in some way that you had never been before?

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Speaker 5: Yeah? Well, I just when I landed here in Brisbane,

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Speaker 5: I moved into a shared house, so I made a

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Speaker 5: lot of international friends there, and I also was very

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Speaker 5: lucky got my first job when I could barely speak

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Speaker 5: English in a retail store in my second week here,

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Speaker 5: and I was working with these wonderful girls who were

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Speaker 5: like very friendly, and they were my first friends here

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Speaker 5: in Australia, and I felt really happy and supported to

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Speaker 5: have a group of people here and a group of

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Speaker 5: people in Spain as well.

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Speaker 4: Yeah. Are you still friends with those girls that you

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Speaker 4: lived with when you very first got.

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Speaker 5: Yeah we talk sometimes so. Last year, for example, some

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Speaker 5: of them came to my bad h and you know,

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Speaker 5: we met a long time ago. But yeah, they always

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Speaker 5: have a very special place in my heart.

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Speaker 2: Oh my gosh, Oh my gosh, you are the sweetest

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Speaker 2: human ever. But unfortunately, Jess, I think that's all we

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Speaker 2: have time for today. We've got to let you go,

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Speaker 2: but we'll chat more later. Yeah, yeah, okay, Oh my gosh.

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Speaker 2: Thank you for being on the show. We are always

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Speaker 2: so grateful for our money diarists. It has been a pleasure,

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Speaker 2: my love.

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Speaker 4: Thank you for having me, Jess.

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Speaker 2: Could you wrap the boring but important stuff?

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Speaker 4: Absolutely, don't forget guys. The advice shared on She's on

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Speaker 4: the Money is general in nature and does not consider

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Speaker 4: your individual circumstances. She's on the Money exist purely for

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00:18:36,080 --> 00:18:38,880
Speaker 4: educational purposes and should not be relied upon to make

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Speaker 4: an investment or a financial decision. And we promise Victoria

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Speaker 4: divine and She's on the money. Are authorized representatives of

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00:18:45,200 --> 00:18:49,760
Speaker 4: Infocused Securities Australia Proprietary Limited ABN four seven oh nine

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Speaker 4: seven seven nine seven oh Fortnite AFSLF two three six

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Speaker 4: five two

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Speaker 2: Three See you're on Wednesday, guys Bye, could