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Speaker 1: My name is Aatasha Bamblet. I'm a proud First Nations

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Speaker 1: woman and I'm here to acknowledge country t Glenn Young

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Speaker 1: Ganya Niana, kaka ya Ya bin Ahaka Nian Our gay

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Speaker 1: In Nimbina, yakarum Jar, Dominyama, Domaghawakaman, Damon Imlan Bomber bang

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Speaker 1: Gadabomba in and now in wakah ghan On, yak rum

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Speaker 1: Jar water Nadaa. Hello, beautiful friends, we gather on the

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Speaker 1: lands of the Aboriginal people. We thank acknowledge and respect

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Speaker 1: the Abiginal people's land that we're gathering on today. Take

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Speaker 1: pleasure in all the land and respect all that you see.

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Speaker 1: She's on the Money podcast acknowledges culture, country, community and connections,

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Speaker 1: bringing you the tools, knowledge and resources for you to thrive.

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Speaker 2: She's on the Money.

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Speaker 3: She's on the Money.

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Speaker 4: Hello, and welcome to She's on the Money, the podcast

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Speaker 4: that lets you be pervy about other people's money habits

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Speaker 4: for educational purposes of course. Welcome back to another one

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Speaker 4: of our money daries where I get the absolute pleasure

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Speaker 4: of sitting down to talk with one of our beautiful

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Speaker 4: community members all about their journey. Let's jump straight into

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Speaker 4: it because I got an email this week and it

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Speaker 4: sounded exactly like this, dear, She's on the money. The

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Speaker 4: same week I returned to work after maternity leave, my

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Speaker 4: husband walked out on me and my six month old

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Speaker 4: twins for another woman, and we were in fifty thousand

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Speaker 4: dollars worth of personal debt at the time. Now, three

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Speaker 4: years later, I'm investing, I'm saving, and I'm earning more

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Speaker 4: than one hundred thousand dollars a year, all with a

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Speaker 4: fabulous new man and with many thanks to She's on

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Speaker 4: the Money.

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Speaker 5: We are now planning another.

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Speaker 4: Baby and we are loving life. I want to share

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Speaker 4: my story and show other women that you who can

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Speaker 4: turn your life around when somebody else throws it into turmoil.

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Speaker 4: Money Rise, welcome to the show.

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Speaker 2: Thank you. What a wild ride.

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Speaker 5: That is chaos.

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Speaker 2: Yes, it was a time of my life that I

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Speaker 2: really didn't see coming. And now I'm in a much

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Speaker 2: better position in I think every aspect. So it was

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Speaker 2: really a blessing in disguise.

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Speaker 4: I don't know if i'd call it a blessing in disguise.

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Speaker 4: Like when I was six months postpartum, I was still chaos,

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Speaker 4: Like my hormones still hadn't balanced, Like I was not

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Speaker 4: feeling my best self. I don't know what your postpartum

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Speaker 4: journey was like, but like I was struggling with breastfeeding,

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Speaker 4: I was anxious. I was all of these things as

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Speaker 4: the first time mum. And girl, you had two babies,

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Speaker 4: you had two. I only had one, and I was

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Speaker 4: finding that challenging. And then your husband was like, by

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Speaker 4: the way, I've been cheating on you.

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Speaker 2: What the hell?

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Speaker 5: Like, girl, what the hell? I'm so sorry.

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Speaker 2: Yeah, well, I didn't actually realize he was cheating, and

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Speaker 2: that was I think the crazy thing. I just got

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Speaker 2: a text message saying I don't love you or anymore

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Speaker 2: and don't be home for the next few hours because

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Speaker 2: I'm moving my stuff out.

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Speaker 5: Excuse me?

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Speaker 2: What? Yeah? So my mom was actually the one that

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Speaker 2: said I think there's another woman, and I was like,

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Speaker 2: don't be ridiculous.

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Speaker 4: Stop stop stop, all right, all right, I have to

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Speaker 4: ask you before we get into it, because I need

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Speaker 4: all these juice money diris what grade would you give

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Speaker 4: your money?

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Speaker 5: Habits from A three to F C?

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Speaker 4: All right, I feel like I see very warranted, but

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Speaker 4: can we please get back into the gossip side of this.

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Speaker 4: Oh so your mom goes, girl, I think that there's

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Speaker 4: another woman, and you were like, that's crazy, absolutely not.

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Speaker 2: I was just thinking, why would he have the time

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Speaker 2: for that. I've got twins with him. Isn't life chaos?

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Speaker 2: But maybe the extra overtime shifts that I wasn't looking

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Speaker 2: at the perceived money coming into the account weren't actually

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Speaker 2: being worked.

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Speaker 5: Stop it, stop it. What an actual piece of.

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Speaker 2: Sh Yeah, it was a really strange time.

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Speaker 5: I'm not gonna lie.

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Speaker 4: I'm so glad he exited your life, Like even though

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Speaker 4: that would have felt terrible.

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Speaker 5: So what happens?

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Speaker 4: So this guy didn't even have balls to sit you

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Speaker 4: down and be like, hey, money, diris, this is what's

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Speaker 4: going on?

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Speaker 5: He text you.

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Speaker 2: Yeah, he said he was staying at a friend's house

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Speaker 2: and she forgot that his iPhone location wasn't turned off.

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Speaker 2: So then in the end we worked out that that

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Speaker 2: was the case and that he was actually at a

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Speaker 2: woman's house that he was working with.

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Speaker 5: No, stop it, stop it. What did you do?

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Speaker 2: I just basically said, don't bother coming back ever again.

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Speaker 2: Like that's it. You're done. Girl.

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Speaker 4: You seem so much nicer than me, Like I'm just

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Speaker 4: telling you right now, I think I would end up

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Speaker 4: in jail.

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Speaker 2: I just don't think I had the mental load. That

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Speaker 2: was really a saving grace in that situation.

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Speaker 4: And you're probably looking back and being like, why wasn't

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Speaker 4: I crazy? Like I know, but I mean, realistically, who's

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Speaker 4: laughing now, rewind?

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Speaker 5: I want to know. So you fell pregnant with twins?

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Speaker 5: What was that like?

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Speaker 4: Because, like, as someone who has been pregnant, oh my goodness,

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Speaker 4: when they said it's a single baby, I was like, oh,

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Speaker 4: like twins would have been magic, but like, thank god.

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Speaker 2: Yeah, So I was off work for about ten weeks prior,

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Speaker 2: and it was during COVID times as well, so I

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Speaker 2: was being extra cautious. So I spent ten weeks sitting

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Speaker 2: at home before I had my babies, waiting for that

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Speaker 2: to happen. And then they came right at thirty seven weeks,

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Speaker 2: so I was really lucky.

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Speaker 5: Hey, that's very good for tweens.

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Speaker 2: Really good. Yeah, we had a very crazy birth story.

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Speaker 2: I ended up on life support in insensitive care. It

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Speaker 2: was really not what I expected at all.

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Speaker 5: Are you okay? Now?

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Speaker 2: Yeah? Absolutely fine? Now, totally fine now, thank goodness, But

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Speaker 2: just really not what i'd planned, you know, really wanted

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Speaker 2: a natural birth that didn't happen, and we ended up

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Speaker 2: having a cesarean, which is okay, but yeah, just like.

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Speaker 4: A whole lot, I had the same thing. I mean,

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Speaker 4: I definitely didn't end up in life support. But it's

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Speaker 4: interesting how much pressure are we as women put on ourselves.

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Speaker 4: Because had you had a conversation about birth with me

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Speaker 4: before I was pregnant, I was like, oh, it doesn't matter,

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Speaker 4: like I was a cesarean baby, No one knows the difference.

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Speaker 4: I was a cesare very formula baby, Like like that's fine,

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Speaker 4: Like you say all the right things, right, you go,

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Speaker 4: fedi's best, happy mum, safe mum, safe delivery, safe baby,

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Speaker 4: all of that stuff, and then all of a sudden

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Speaker 4: you get pregnant and you just have this craving for

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Speaker 4: a natural birth and you're like, I just want to

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Speaker 4: be able to give my babies the best start to

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Speaker 4: the life.

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Speaker 5: What's that even mean?

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Speaker 2: Exactly? That's right, And I think there's so much pressure

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Speaker 2: put on that. And in a lot of ways, I

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Speaker 2: felt lucky because I didn't feel that pressure as much.

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Speaker 2: Being twins. I felt like I had a lot more

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Speaker 2: of a choice in that space. But I can't imagine

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Speaker 2: people that have one baby that they really don't feel

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Speaker 2: like they can advocate for themselves in that space.

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Speaker 4: No, And like I look back on it, and you know,

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Speaker 4: when I had my baby, I was very lucky. I

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Speaker 4: got invited on Australian birth Stories and I never went

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Speaker 4: because I just wasn't ready to talk about my birth story.

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Speaker 4: I didn't want to share it. It's not because I

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Speaker 4: was embarrassed of it. It's honestly because it upset me

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Speaker 4: so much. And it was because I didn't get what

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Speaker 4: I wanted. And the more that I reflected on it,

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Speaker 4: and you know, spoke to people, and you know, I

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Speaker 4: had the just being surrounded by a lot of people,

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Speaker 4: within a lot of knowledge, it gets more and more upsetting.

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Speaker 4: And I'm sure you had a similar story where people

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Speaker 4: go what happened next? And you go, oh this, and

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Speaker 4: they go, oh, they shouldn't have done that, and.

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Speaker 5: You go, what do you mean?

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Speaker 2: What do you mean?

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Speaker 4: Like you mean I should have said no there, or

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Speaker 4: I should have suggested something else, or I should have

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Speaker 4: asked for anyway. It became quite a reflective period of

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Speaker 4: time for me where I was like, you mean, I

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Speaker 4: could have probably prevented this in your situation very different,

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Speaker 4: but like you end up heartbroken, and I don't know

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Speaker 4: about you. I'm delusional enough to think that next time

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Speaker 4: I have a baby, I'm going to get a feedback.

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Speaker 4: I somehow, why, no reason, I'm just full of delusion.

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Speaker 4: So tell me about this. You're on life support? How

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Speaker 4: does that happen?

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Speaker 2: So we ended up having an emergency cesarean, like a

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Speaker 2: very very quick one. It was like a full blown emergency.

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Speaker 2: They had to get the second twin out really really

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Speaker 2: quickly because the cord had come out so straight up

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Speaker 2: to a cesarean, which is okay, and I'm kind of

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Speaker 2: in this field anyway, so I had a little bit

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Speaker 2: of understanding about it.

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Speaker 5: Wait, sorry, did you have a vaginal birth and a cesarean?

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Speaker 2: No? Thank you?

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Speaker 5: I like, did you have a cesarean for the second one,

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Speaker 5: because that.

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Speaker 2: Was the possibility, But no, so I guess in a way,

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Speaker 2: Thank goodness, it was the top twin that the court

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Speaker 2: had come out first, so both were just delivered by

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Speaker 2: a caesar. And then yeah, during that caesar, they cut

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Speaker 2: through the archery and didn't know it at the time,

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Speaker 2: And then I went back recovery.

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Speaker 5: That literally should have killed you.

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Speaker 2: Yeah, that's right. So yeah, over the next few hours,

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Speaker 2: I started becoming I had, you know, lots of pain,

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Speaker 2: and they kept saying, you know, but oh, it's only

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Speaker 2: because you've had a Caesar the epidurals wearing off, and

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Speaker 2: I'm like, no, this is really different. And then they

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Speaker 2: just said basically, in the end, because I had so

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Speaker 2: much extra fluid, it was kind of compressing the archery

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Speaker 2: and that's why it wasn't just gushing out. So yeah,

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Speaker 2: in the end, I went back up for a second

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Speaker 2: surgery where they went back in closed up the archery,

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Speaker 2: and then woke up the next morning on life support

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Speaker 2: in intensive care. Just as they were taking the tube

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Speaker 2: out to wake me up.

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Speaker 5: Are you okay?

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Speaker 2: Fine? Now? Absolutely fine?

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Speaker 4: Now mentally fine, because I feel like you would carry

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Speaker 4: a lot of trauma from that as well, like that

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Speaker 4: is not what you went in for.

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Speaker 2: Like no, I think because I'm a nurse as well,

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Speaker 2: I look at it very pragmatically and I think in

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Speaker 2: lots of ways it helped my nursing, So I think

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Speaker 2: I deal with it that way. Yeah, okay, And it's

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Speaker 2: only now that my partner and I are starting to

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Speaker 2: think about having another child potentially that it is like, oh, Okay,

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Speaker 2: I might actually have to deal with this a little bit.

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Speaker 4: Yeah, maybe I do need a little bit of therapy.

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Speaker 4: And I can't just keep saying I was fine exactly, that's.

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Speaker 2: Right, that's right.

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Speaker 5: Oh my goodness.

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Speaker 4: All right, So talk to me a little bit more

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Speaker 4: about your money story. So we know that your husband

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Speaker 4: walked out on you and your six month old twins

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Speaker 4: for another woman, but like you were in fifty thousand

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Speaker 4: dollars worth of debt. So can we go back to

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Speaker 4: that time and you talk me through like, you know,

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Speaker 4: you felt pregnant, Did you mean to fall pregnant?

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Speaker 5: Why were you in? What did that look like? Talk

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Speaker 5: me through that sitch?

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Speaker 2: Yeah. So I was really young when I got married,

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Speaker 2: and I think I was just a little bit like

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Speaker 2: rose colored glasses and maybe a little bit naive. So

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Speaker 2: at the time I thought, yeah, this is what I want,

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Speaker 2: and I think I definitely did. But you know, the

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Speaker 2: twins were well, the baby was planned and end up

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Speaker 2: being twins. But you know, for kind of the years

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Speaker 2: leading up to that, it was always like this idea

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Speaker 2: of money being like the next shiny object, and you know,

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Speaker 2: as soon as like it was a new car and

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Speaker 2: then it was constantly just like new, you new, and

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Speaker 2: then yeah, I don't want to say like manipulated, because

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Speaker 2: I think that's too strong of a word, but maybe

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Speaker 2: not having like the money understanding really played a factor

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Speaker 2: into like my really early money decisions.

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Speaker 5: Yeah, and that's okay, that's good reflection as well.

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Speaker 2: Yeah, so I think definitely, as I've gotten older, it's

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Speaker 2: been much more of an understanding of where my values are.

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Speaker 2: And I think my new partner is very very much

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Speaker 2: in line with what my values are now. So that

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Speaker 2: makes money conversations just so much easier.

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Speaker 5: I adore that.

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Speaker 4: I feel like this is really a story and we

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Speaker 4: haven't even gotten even halfway through it, Like is a

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Speaker 4: story of like life happens for you. Even though that

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Speaker 4: that was like a really terrible thing to go through, Like,

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Speaker 4: you're clearly happy. I can see when you said my

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Speaker 4: new partner, like you have that smile where I'm like,

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Speaker 4: oh my god, they're so in love.

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Speaker 5: I love this.

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Speaker 2: So the crazy thing is when I met my partner,

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Speaker 2: we both were from like a major city, and then

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Speaker 2: we moved to a regional town. So I moved up,

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Speaker 2: you know, many many years ago, and he moved up

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Speaker 2: a little bit more recently, so we met up here

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Speaker 2: online and you know, just we're kind of getting to

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Speaker 2: know each other, and on about the third or fourth date,

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Speaker 2: we worked out that our moms worked together. No stop

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Speaker 2: happen and we're best friends for like twenty years. Oh

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Speaker 2: my goodness, that's it was big, like sixtygrees of separation.

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Speaker 5: But I was like, wow, not even six, just one.

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Speaker 2: Yeah, that's exactly right. It was just wild. So yeah,

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Speaker 2: it was really meant to be.

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Speaker 5: I think, so obviously all of that happens.

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Speaker 4: Talk to me about what happens to your finances when

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Speaker 4: your husband walks out on you, because I just feel

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Speaker 4: like I can't imagine a situation like that because you

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Speaker 4: went back at work, were you?

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Speaker 2: I had just gone back for literally that week when

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Speaker 2: it all happened. Yep, I went on to a night.

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Speaker 5: Shift, So we timed it perfectly, thanks sir.

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Speaker 2: All right, exactly, And I think maybe looking back now,

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Speaker 2: it was that you know, he was going to have

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Speaker 2: to be there when I was at work, and then

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Speaker 2: how is that going to work? Because he couldn't just

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Speaker 2: say he was at work, is my hypothesis, and that's

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Speaker 2: why it probably came out when it did.

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Speaker 4: Yeah, wow, And like, did you find out anything more

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Speaker 4: about this?

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Speaker 5: Because I'm always so pervy?

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Speaker 4: I'm sorry, and I know everybody else listening is going

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Speaker 4: to be like, girl, was he doing this the whole

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Speaker 4: time you were pregnant? Was it like a new romance?

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Speaker 4: Like did you ever find out any information?

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Speaker 2: No? And I guess I don't really want to know.

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Speaker 2: They're still together?

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Speaker 5: So they are.

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Speaker 2: It's like, yeah, let that go and just you know,

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Speaker 2: move on.

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Speaker 5: Do you know what they deserve each other?

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Speaker 4: That's fine, that's fine because you and I both know

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Speaker 4: they She knew about you, and she knew that you

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Speaker 4: had twins, and that says so much more about her

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Speaker 4: than it ever could about you.

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Speaker 5: He can keep her, that's fine, exactly.

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Speaker 2: So I was like sure, And now I look back

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Speaker 2: and I'm like, wow, I dodged a bullet.

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Speaker 4: May they have the days they deserve? Yes, exactly, So

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Speaker 4: tell me a bit more. I want to know what

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

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Speaker 2: So I work in healthcare and pretext I'm on about

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Speaker 2: one hundred and ten thousand.

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Speaker 5: Oh very nice.

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Speaker 2: Yeah. So I made the decision to go back full

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Speaker 2: time for mostly financial reasons. But also for my career

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Speaker 2: that if I wanted to kind of progress with my career,

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Speaker 2: it really looked like being full time in that space

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Speaker 2: that it was just kind of too difficult otherwise. So

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Speaker 2: now I've got an amazing job and I just love it.

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Speaker 5: I adore that.

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Speaker 4: Talk to me, So you went back when you're twins

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Speaker 4: were six months old? Was that part time or was

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Speaker 4: that full time?

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Speaker 2: Like?

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Speaker 4: How are you managing that? Because like a lot of

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Speaker 4: people will say that's, oh, that's so soon to go

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Speaker 4: back to work, but like low key for me personally,

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Speaker 4: I was back at work quite early because I just

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Speaker 4: adore what I do and I couldn't wait.

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Speaker 2: Yeah, it wasn't like a decision I guess that I

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Speaker 2: could make. It was because I had to take so

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Speaker 2: much time off pre natally.

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Speaker 5: Yeah, okay, that really.

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Speaker 2: Cut into my maternity leave there. So I went back

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Speaker 2: like earlier than I guess I would have wanted to,

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Speaker 2: and obviously, working for government, I was already really lucky

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Speaker 2: that I had, you know, extra maternity leave on top

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Speaker 2: of what other people get already. And I went back

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Speaker 2: five days a fortnite into shift work, so that was

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Speaker 2: really difficult, and then kind of went into this role

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Speaker 2: that I'm in now and then progressed up in the

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Speaker 2: last like eighteen months, two years to full time.

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Speaker 5: Oh iconic. And so tell me how old are your

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Speaker 5: twins now?

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Speaker 2: They I'm nearly four.

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Speaker 4: Stop it, stop it, and it it goes so quickly,

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Speaker 4: it really does.

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Speaker 2: They've just come into a lovely new stage and they're

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Speaker 2: really different little people, and it's just amazing to watch

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Speaker 2: their growth.

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Speaker 5: I adore that so much.

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Speaker 4: So talk to me a bit about your big money goals,

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Speaker 4: Like you've got a great salary as what we'll call

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Speaker 4: right now a single mom, Like, because you're technically a

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Speaker 4: single mum, you'd still be i'm assuming somewhat co parenting

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Speaker 4: and doing all of that shmuzzle. And you do have

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Speaker 4: a new partner, and we'll get to talking about him

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Speaker 4: in a hot second, but like, what big money goals

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Speaker 4: have you got at the moment, I actually think.

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Speaker 2: I'm a little bit lost there. I don't really have

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Speaker 2: huge money goals, and I think that's why I'm struggling

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Speaker 2: to save. So you know, I'm sure we'll get into

359
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Speaker 2: it later. I think I'm really good at dividing up

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Speaker 2: the money and putting it where it needs to go,

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Speaker 2: but in terms of actually like what is my goal, Well,

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Speaker 2: you know, like I want to go on some holidays

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Speaker 2: and that kind of thing, But I don't really want

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Speaker 2: to buy a house. I'm in a house that I'm renting,

365
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Speaker 2: like privately off my parents, which I'm really provely to

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Speaker 2: be able to do that.

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Speaker 5: That's a different situation again.

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Speaker 2: Yeah, yeah, And I just don't really want to buy

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Speaker 2: any kind of investment property. I'm not handy in any way,

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Speaker 2: so if something goes wrong, I just kind of see

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Speaker 2: there's a money pit. So yeah, I would say holidays,

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Speaker 2: but again, I don't really have something solid, and I

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Speaker 2: think that's the issue.

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Speaker 5: Yeah, No, that's fair.

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Speaker 4: And I feel like when you don't feel like you

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Speaker 4: have a sense of direction, there's a very big like

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Speaker 4: why bother kind of mindset like why would I bother

378
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Speaker 4: continuing to save because often saving feels a little bit

379
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Speaker 4: restrictive when I could just live my life and not

380
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Speaker 4: put that pressure on myself because I don't have anything

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Speaker 4: big that I'm currently working towards.

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Speaker 2: Yeah.

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Speaker 5: Absolutely, Yeah, So tell me a little bit more.

384
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Speaker 4: You mentioned before, like you know, I don't have a house,

385
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Speaker 4: I'm renting off my parents.

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Speaker 5: I'm so pervy. I'm so sorry.

387
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Speaker 4: I just got to know when your husband was like,

388
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Speaker 4: don't come home for the next few hours because I'm

389
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Speaker 4: a moving out. Was that in the same house that

390
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Speaker 4: your parents owned, so he definitely had to leave and

391
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Speaker 4: it wasn't just a like he could leave you high

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Speaker 4: and dry.

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Speaker 5: What happened?

394
00:16:59,000 --> 00:17:01,800
Speaker 2: Then? Yes, that was in the same house, So that

395
00:17:01,920 --> 00:17:05,239
Speaker 2: was really lucky in that respect, because you know, I

396
00:17:05,240 --> 00:17:08,560
Speaker 2: guess I was still stable. The twins never had to

397
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Speaker 2: leave a house that were familiar with either, so that

398
00:17:11,600 --> 00:17:13,080
Speaker 2: was really really lucky.

399
00:17:13,320 --> 00:17:15,600
Speaker 4: Yeah, you would have felt a little bit more grounded

400
00:17:15,680 --> 00:17:18,200
Speaker 4: during that period of time. And then financially, what did

401
00:17:18,240 --> 00:17:19,880
Speaker 4: you do? Did you have to take on the full

402
00:17:19,920 --> 00:17:22,120
Speaker 4: amount of rent and all the bills and like or

403
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Speaker 4: did you have like some I don't know. It sounds

404
00:17:24,560 --> 00:17:26,640
Speaker 4: like your parents are relatively well off, Like how did

405
00:17:26,680 --> 00:17:29,080
Speaker 4: that work? I'm just being so pervy because, like, I

406
00:17:29,119 --> 00:17:31,520
Speaker 4: cannot imagine the financial burden that you would have felt

407
00:17:31,520 --> 00:17:33,119
Speaker 4: you were under at that point in time.

408
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Speaker 2: Yeah, it really was maybe less than a year later,

409
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Speaker 2: because I met my new partner a lot quicker than

410
00:17:39,040 --> 00:17:41,639
Speaker 2: I actually anticipated i'd meet anybody. And then when we

411
00:17:41,720 --> 00:17:44,800
Speaker 2: realized the connection that we did. Actually kind of the

412
00:17:44,840 --> 00:17:47,040
Speaker 2: families knew each other. I think it moved a bit

413
00:17:47,080 --> 00:17:49,320
Speaker 2: quicker then because it was like, oh, I can trust you.

414
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Speaker 2: His rent was up in like pretty much a year

415
00:17:52,600 --> 00:17:54,840
Speaker 2: after we met, anyway, so he moved in.

416
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Speaker 4: But for that year we had do you know, like

417
00:17:58,480 --> 00:18:01,520
Speaker 4: my now husband and I moved in within twelve months

418
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Speaker 4: of mating, like and a lot of people think that

419
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Speaker 4: that's insane, and we didn't have kids or anything involved,

420
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Speaker 4: but like I remember, and this is so creepy money darist.

421
00:18:09,760 --> 00:18:11,240
Speaker 4: I feel like I've said it on the show before.

422
00:18:11,359 --> 00:18:14,040
Speaker 4: We literally talked on our first date about our wedding

423
00:18:14,119 --> 00:18:16,160
Speaker 4: dance song because we were kind of like, and that's

424
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Speaker 4: the weirdest, biggest red flag in the entire world, right,

425
00:18:19,440 --> 00:18:21,439
Speaker 4: Anybody from the outside looking and would have been like,

426
00:18:21,440 --> 00:18:22,280
Speaker 4: these guys crazy.

427
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Speaker 5: Sorry, it was our first right, that was just what

428
00:18:25,960 --> 00:18:27,639
Speaker 5: happened exactly.

429
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Speaker 4: So I feel like when you know, you know, like

430
00:18:29,440 --> 00:18:34,159
Speaker 4: I genuinely don't think that time is an indicator of

431
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Speaker 4: how much you love someone.

432
00:18:35,960 --> 00:18:38,240
Speaker 2: No. I think it was really like an aha moment

433
00:18:38,320 --> 00:18:40,360
Speaker 2: that I was like, Oh, this is what it's meant

434
00:18:40,359 --> 00:18:43,160
Speaker 2: to feel yeady. Oh I genuinely.

435
00:18:43,200 --> 00:18:44,200
Speaker 5: It makes me so happy.

436
00:18:44,240 --> 00:18:45,600
Speaker 4: And I know that a lot of people in your

437
00:18:45,640 --> 00:18:48,360
Speaker 4: life were probably a little bit negative and probably like, oh,

438
00:18:48,400 --> 00:18:51,639
Speaker 4: she's moving on so quickly, shut up, Judge Karen, Like,

439
00:18:51,720 --> 00:18:55,359
Speaker 4: I'm just so excited that you didn't have to revel

440
00:18:55,480 --> 00:18:58,600
Speaker 4: in that feeling for too long and you met someone

441
00:18:58,640 --> 00:19:00,640
Speaker 4: who like kind of picked up your spear and made

442
00:19:00,640 --> 00:19:03,800
Speaker 4: you happy, and like that's exactly what you deserve, right.

443
00:19:03,800 --> 00:19:07,400
Speaker 2: Absolutely, Yeah, And he really just was amazing in that way.

444
00:19:07,880 --> 00:19:10,199
Speaker 4: I love that, And I mean, sorry, give me a

445
00:19:10,200 --> 00:19:13,720
Speaker 4: better man. Like I don't even know this guy he's meeting,

446
00:19:13,760 --> 00:19:16,480
Speaker 4: you met online. You've got twins and he's like, yeah,

447
00:19:16,520 --> 00:19:17,040
Speaker 4: throw it at me.

448
00:19:17,240 --> 00:19:19,520
Speaker 2: Yeah, well first date, I just laid it out on

449
00:19:19,560 --> 00:19:22,200
Speaker 2: the table and I was like, look, I've got baby twins,

450
00:19:22,440 --> 00:19:24,920
Speaker 2: and I just need you to know that because that's

451
00:19:24,960 --> 00:19:28,320
Speaker 2: okay if you don't want to go there. And he's like, oh,

452
00:19:28,400 --> 00:19:30,080
Speaker 2: that's not really an issue, Like.

453
00:19:30,200 --> 00:19:31,080
Speaker 5: What a legend.

454
00:19:31,320 --> 00:19:34,000
Speaker 4: You just know he's a good guy, So talk to

455
00:19:34,040 --> 00:19:37,600
Speaker 4: me about this baby goal. Because like clearly you and

456
00:19:38,359 --> 00:19:42,159
Speaker 4: mister you you like each other enough to move in together,

457
00:19:42,600 --> 00:19:45,280
Speaker 4: and you like each other enough to be talking about

458
00:19:45,880 --> 00:19:48,960
Speaker 4: having another baby. That makes three babies for you. Would

459
00:19:48,960 --> 00:19:50,880
Speaker 4: you say that's a big money goal that you two

460
00:19:50,960 --> 00:19:51,880
Speaker 4: are working together.

461
00:19:52,880 --> 00:19:55,840
Speaker 2: Yeah, absolutely, I guess, yeah, when you put it like that,

462
00:19:56,080 --> 00:20:00,359
Speaker 2: there is things to work on. But I'm very like

463
00:20:00,720 --> 00:20:03,040
Speaker 2: black and white. I guess in the way that I'm like, well,

464
00:20:03,080 --> 00:20:05,800
Speaker 2: then what does that cost? So what am I actually saving?

465
00:20:05,840 --> 00:20:07,280
Speaker 2: And how much a week do I have to put

466
00:20:07,320 --> 00:20:09,439
Speaker 2: a way towards that? And I think that's why it

467
00:20:09,480 --> 00:20:10,879
Speaker 2: doesn't just click in my mind.

468
00:20:11,080 --> 00:20:13,720
Speaker 4: Yeah, And it's really hard, or I found it when

469
00:20:13,720 --> 00:20:16,080
Speaker 4: I was budgeting for a baby. It's just really hard

470
00:20:16,080 --> 00:20:18,560
Speaker 4: to work out, well, what do I want? And a

471
00:20:18,600 --> 00:20:21,160
Speaker 4: lot of the baby stuff is want, not a need.

472
00:20:21,240 --> 00:20:23,720
Speaker 4: And then are we going private? Are we going public?

473
00:20:23,720 --> 00:20:27,159
Speaker 4: And I'm assuming given your history, you would probably be

474
00:20:27,280 --> 00:20:30,520
Speaker 4: categorized as a higher risk pregnancy the second time around,

475
00:20:30,600 --> 00:20:33,160
Speaker 4: especially because you had twins and then you probably I'm

476
00:20:33,200 --> 00:20:35,720
Speaker 4: just extrapolating this out, you probably have to be careful

477
00:20:35,920 --> 00:20:39,080
Speaker 4: when you do get pregnant because there's a higher probability

478
00:20:39,119 --> 00:20:42,120
Speaker 4: you're going to have twins again. There's just a lot

479
00:20:42,160 --> 00:20:43,480
Speaker 4: to take into consideration.

480
00:20:44,160 --> 00:20:46,120
Speaker 2: Yeah. Absolutely, And I think that's why.

481
00:20:46,280 --> 00:20:50,520
Speaker 5: Sorry to scare you by the way I thought of this.

482
00:20:52,200 --> 00:20:56,679
Speaker 2: Surprised. I think it's definitely all things that are coming

483
00:20:56,760 --> 00:20:59,120
Speaker 2: to the forefront of our minds now because it's kind

484
00:20:59,200 --> 00:21:01,640
Speaker 2: of thinking, oh, my goodness, this could happen really soon.

485
00:21:01,920 --> 00:21:03,879
Speaker 4: So when you say it really soon, is this a

486
00:21:03,920 --> 00:21:06,000
Speaker 4: goal where you're like, oh, we're going to try in

487
00:21:06,040 --> 00:21:08,280
Speaker 4: a year? Is this a goal where you're like, you

488
00:21:08,320 --> 00:21:11,320
Speaker 4: know what, if I'm pregnant right now, that would be ideal?

489
00:21:11,800 --> 00:21:14,760
Speaker 2: Correct? Yeah, I mean, whens happen. So we'll just say

490
00:21:14,920 --> 00:21:15,359
Speaker 2: how we go?

491
00:21:15,520 --> 00:21:16,560
Speaker 5: Yeah, okay, I love that.

492
00:21:16,640 --> 00:21:19,280
Speaker 4: I'm so excited and I'm like sending so much baby

493
00:21:19,359 --> 00:21:21,760
Speaker 4: dust your way. Let's go to a really quick break

494
00:21:21,760 --> 00:21:24,520
Speaker 4: because girl, I have so many questions and we'll get

495
00:21:24,560 --> 00:21:30,560
Speaker 4: to them in a hot minute. All right, money dives

496
00:21:30,720 --> 00:21:33,199
Speaker 4: We up back, And this has been a rollercoaster of

497
00:21:33,200 --> 00:21:36,280
Speaker 4: a story. Like the idea that your husband walked out

498
00:21:36,280 --> 00:21:39,239
Speaker 4: on you with six month old twins, I told you

499
00:21:39,280 --> 00:21:42,080
Speaker 4: that I would probably end up in jail. I would

500
00:21:42,080 --> 00:21:43,200
Speaker 4: love to smack him in the face.

501
00:21:43,480 --> 00:21:45,879
Speaker 2: Sorry, Oh, I think get in the line. There's been

502
00:21:46,000 --> 00:21:47,679
Speaker 2: quite a few people that have said that to me.

503
00:21:47,880 --> 00:21:50,439
Speaker 4: I think you and your mom, Like, no, me and

504
00:21:50,480 --> 00:21:52,320
Speaker 4: your mom, We're going to line up together.

505
00:21:52,440 --> 00:21:53,240
Speaker 5: Like, we've just got this.

506
00:21:53,680 --> 00:21:57,000
Speaker 4: I just it ignites something in me because you were

507
00:21:57,040 --> 00:22:01,000
Speaker 4: already so vulnerable during that period of time, and I

508
00:22:01,119 --> 00:22:04,200
Speaker 4: just that to me, Oh, it makes me so mad.

509
00:22:04,640 --> 00:22:06,760
Speaker 4: But I want to go back before I ask you

510
00:22:06,840 --> 00:22:12,400
Speaker 4: about investments, Like he said, hey girl, I'm out, And

511
00:22:12,440 --> 00:22:14,399
Speaker 4: he also didn't have the balls to tell you that.

512
00:22:14,440 --> 00:22:16,919
Speaker 4: He texts you don't come home because I'm moving out.

513
00:22:17,160 --> 00:22:19,600
Speaker 4: But you had fifty thousand dollars worth of debt at

514
00:22:19,600 --> 00:22:21,840
Speaker 4: the time. What was that for? How did you guys

515
00:22:21,960 --> 00:22:24,400
Speaker 4: get into that debt and then how did you get

516
00:22:24,440 --> 00:22:25,000
Speaker 4: out of it?

517
00:22:25,240 --> 00:22:29,879
Speaker 2: So it was primarily like new cars, so you know,

518
00:22:29,960 --> 00:22:32,720
Speaker 2: we'd buy a car and then within like a year

519
00:22:33,000 --> 00:22:35,480
Speaker 2: it was like, oh no, I don't like this car anymore.

520
00:22:35,520 --> 00:22:38,280
Speaker 2: We need to upgrade. And then there was some consolidated debt,

521
00:22:38,320 --> 00:22:41,159
Speaker 2: but it was all in the one car loan in

522
00:22:41,200 --> 00:22:44,199
Speaker 2: the end, like as a personal loan, I believe. And

523
00:22:44,240 --> 00:22:48,560
Speaker 2: then we kind of had this rolling debt that just

524
00:22:48,640 --> 00:22:50,680
Speaker 2: kept getting bigger and we weren't actually getting on top

525
00:22:50,720 --> 00:22:52,520
Speaker 2: of it. So that was with one car, and then

526
00:22:52,560 --> 00:22:55,600
Speaker 2: we had an old car that was costing nothing that

527
00:22:55,840 --> 00:22:58,160
Speaker 2: we owned out right, like a two thousand and two

528
00:22:58,280 --> 00:22:58,600
Speaker 2: kind of.

529
00:22:58,520 --> 00:23:02,040
Speaker 4: Car that's still newer than my car was, and I

530
00:23:02,080 --> 00:23:03,879
Speaker 4: had to upgrade mine when I had a baby, but

531
00:23:04,000 --> 00:23:06,000
Speaker 4: like mine was from nineteen ninety seven.

532
00:23:06,080 --> 00:23:09,280
Speaker 2: Slagh they go and when you get one of those golden.

533
00:23:09,040 --> 00:23:11,760
Speaker 5: Nuggets, sorry, you hold onto them. You do not let

534
00:23:11,800 --> 00:23:12,240
Speaker 5: them go.

535
00:23:12,960 --> 00:23:14,959
Speaker 2: No, that's right. And it was so nice to have

536
00:23:15,000 --> 00:23:18,520
Speaker 2: one that didn't cost any money. So we had those

537
00:23:18,560 --> 00:23:22,040
Speaker 2: two cars. And then basically when as soon as he left,

538
00:23:22,240 --> 00:23:24,320
Speaker 2: one of the things my parents said to me first

539
00:23:24,600 --> 00:23:27,800
Speaker 2: was make sure you don't take on the fancy car

540
00:23:28,000 --> 00:23:30,080
Speaker 2: like you won. You can't afford it, and two you

541
00:23:30,119 --> 00:23:32,280
Speaker 2: don't need it. And I was like, absolutely, I don't

542
00:23:32,280 --> 00:23:34,760
Speaker 2: want that. I actually feel more comfortable driving the old

543
00:23:34,760 --> 00:23:37,640
Speaker 2: car anyway. So that was a decision that we made,

544
00:23:37,680 --> 00:23:40,439
Speaker 2: and I got a lawyer involved really quickly, and that

545
00:23:40,600 --> 00:23:43,560
Speaker 2: was able to be drawn out really easily, to say

546
00:23:43,760 --> 00:23:46,160
Speaker 2: you have this car, you have this car, and that's it. Yeah.

547
00:23:46,200 --> 00:23:49,439
Speaker 4: And was he agreeable during this period of time because

548
00:23:49,520 --> 00:23:52,720
Speaker 4: like he said, hey, I'm going, but there's obviously like

549
00:23:52,960 --> 00:23:56,040
Speaker 4: dead and cars and assets to work out, Like how

550
00:23:56,040 --> 00:23:59,560
Speaker 4: did you work that out and have amicable conversations with

551
00:23:59,600 --> 00:24:01,760
Speaker 4: someone that didn't even see a divorce coming.

552
00:24:01,520 --> 00:24:04,600
Speaker 2: From To be honest, we didn't really have Anakova conversations

553
00:24:04,640 --> 00:24:07,160
Speaker 2: about it. In the end, I ended up just saying

554
00:24:07,280 --> 00:24:10,760
Speaker 2: everything through my lawyer because then I knew that I

555
00:24:10,880 --> 00:24:13,159
Speaker 2: was back and I could take any emotion out of

556
00:24:13,200 --> 00:24:15,480
Speaker 2: it and that it was just being dealt with. She

557
00:24:15,600 --> 00:24:18,760
Speaker 2: knew my interests. She was amazing. It was just done

558
00:24:18,840 --> 00:24:19,160
Speaker 2: that way.

559
00:24:19,359 --> 00:24:22,320
Speaker 4: Yeah, iconic. I just I can't believe you had to

560
00:24:22,359 --> 00:24:26,159
Speaker 4: go through that. I'm so sorry. Talk to me about

561
00:24:26,240 --> 00:24:29,879
Speaker 4: investment though. What are your thoughts on investments? Do you invest?

562
00:24:30,080 --> 00:24:31,600
Speaker 4: What's the plan for the future?

563
00:24:31,800 --> 00:24:35,760
Speaker 2: So thanks to you guys, I'm using rays, which stop

564
00:24:35,960 --> 00:24:39,640
Speaker 2: I ever ever thought was even a thing like I'm

565
00:24:39,680 --> 00:24:42,640
Speaker 2: a bit like, look at me, who's this girl investing?

566
00:24:43,760 --> 00:24:46,439
Speaker 2: So I'm a bit like crazy, I think with it

567
00:24:46,480 --> 00:24:48,800
Speaker 2: because I've got my roundups and then I put one

568
00:24:48,840 --> 00:24:51,320
Speaker 2: hundred dollars a week into that on top of the roundups,

569
00:24:51,560 --> 00:24:53,560
Speaker 2: and I just watch it grow and every day I

570
00:24:53,640 --> 00:24:55,280
Speaker 2: checked to be like, oh it went off a bit.

571
00:24:55,359 --> 00:24:57,000
Speaker 2: It's kind of a bit addictive.

572
00:24:57,560 --> 00:25:00,159
Speaker 4: Yeah, it's like I've tried to explain it, and I

573
00:25:00,240 --> 00:25:02,600
Speaker 4: feel like this is a very poor explanation. But I

574
00:25:02,600 --> 00:25:05,040
Speaker 4: feel like people get it. It's like the same feeling

575
00:25:05,160 --> 00:25:08,000
Speaker 4: that people get when they gamble. I get when I invest.

576
00:25:08,880 --> 00:25:10,800
Speaker 5: I'm like, oh, I've got to check my app. I've

577
00:25:10,800 --> 00:25:11,720
Speaker 5: got to check my app.

578
00:25:11,800 --> 00:25:13,280
Speaker 4: Yeah, you feel like it's a little bit it's not

579
00:25:13,320 --> 00:25:15,840
Speaker 4: as risky though, it's like good for your future.

580
00:25:16,320 --> 00:25:18,080
Speaker 5: But at the same time, I'm like, this is a game.

581
00:25:18,160 --> 00:25:19,000
Speaker 5: This is really fun.

582
00:25:19,240 --> 00:25:21,680
Speaker 2: Yeah, like every day almost I look at the projections

583
00:25:21,720 --> 00:25:24,439
Speaker 2: for like the next twenty years and they don't change

584
00:25:24,480 --> 00:25:27,280
Speaker 2: that much, but I'm still like, oh, I can't wait.

585
00:25:27,520 --> 00:25:30,640
Speaker 4: Exactly. I love that view. So you've started raised, what's

586
00:25:30,640 --> 00:25:31,760
Speaker 4: your super looking like?

587
00:25:32,080 --> 00:25:34,879
Speaker 2: So I've got almost seventy thousand in super and then

588
00:25:34,920 --> 00:25:37,919
Speaker 2: obviously being a government worker really helps.

589
00:25:38,040 --> 00:25:40,800
Speaker 5: And you're only twenty eight as well, aren't you. Yes,

590
00:25:41,200 --> 00:25:42,399
Speaker 5: that is so good.

591
00:25:42,960 --> 00:25:46,119
Speaker 2: Yeah. So we talked really briefly to a financial advisor.

592
00:25:46,320 --> 00:25:48,960
Speaker 2: It was just on the background of like some family

593
00:25:49,080 --> 00:25:51,560
Speaker 2: so not a form all kind of sit down, and

594
00:25:51,640 --> 00:25:53,680
Speaker 2: he suggested, as soon as my hex is paid off,

595
00:25:53,680 --> 00:25:56,600
Speaker 2: which will hopefully be after this this financial year, at

596
00:25:56,640 --> 00:25:59,720
Speaker 2: the moment, we will be able to increase our super

597
00:25:59,840 --> 00:26:03,600
Speaker 2: new into that at our contributions. But he just suggested

598
00:26:03,680 --> 00:26:05,639
Speaker 2: waiting until the hex is paid off, just so it

599
00:26:05,680 --> 00:26:07,400
Speaker 2: doesn't alter anything at the moment.

600
00:26:07,640 --> 00:26:10,280
Speaker 4: Yeah, and girl, you're so young still, like you've got

601
00:26:10,320 --> 00:26:12,639
Speaker 4: heaps of time to sort that out. Like that is

602
00:26:12,680 --> 00:26:13,360
Speaker 4: so fine.

603
00:26:13,560 --> 00:26:17,000
Speaker 2: Yeah, So that's been really exciting, and I just need

604
00:26:17,000 --> 00:26:19,600
Speaker 2: to consolidate two accounts because when I actually looked at

605
00:26:19,600 --> 00:26:22,280
Speaker 2: this to see what my super was at, I realized, I.

606
00:26:22,200 --> 00:26:24,439
Speaker 4: Feel like that's really intelligent to kind of wait and

607
00:26:24,560 --> 00:26:26,879
Speaker 4: just do one thing after another, especially because like, go,

608
00:26:27,000 --> 00:26:29,280
Speaker 4: I'm sorry, you are still so young, Like you've just

609
00:26:29,320 --> 00:26:31,280
Speaker 4: got so much time ahead of you to do this,

610
00:26:31,359 --> 00:26:34,359
Speaker 4: and it just makes me so excited, and like, what

611
00:26:34,480 --> 00:26:37,159
Speaker 4: a better time for your husband to leave, Like if

612
00:26:37,160 --> 00:26:39,520
Speaker 4: you're going to do it, do it now, sir, Like,

613
00:26:39,720 --> 00:26:41,639
Speaker 4: just get it done, rip the band aid off. I'm

614
00:26:41,640 --> 00:26:43,800
Speaker 4: going to find a new, better partner, and I'm going

615
00:26:43,880 --> 00:26:46,159
Speaker 4: to go ahead and make another baby slay.

616
00:26:46,400 --> 00:26:48,639
Speaker 2: Yeah. We actually spoke to the lawyer about, you know,

617
00:26:48,680 --> 00:26:50,919
Speaker 2: getting a portion of his super because obviously I've just

618
00:26:50,920 --> 00:26:53,800
Speaker 2: been on maternity leave and everything. But to be honest,

619
00:26:53,840 --> 00:26:55,440
Speaker 2: in the end, it was all just kind of too

620
00:26:55,440 --> 00:26:57,440
Speaker 2: hard and I was like, I don't even want to

621
00:26:57,480 --> 00:26:59,720
Speaker 2: be tired in that way. Just let it be.

622
00:27:00,119 --> 00:27:02,320
Speaker 5: Yeah, I don't even want your stuff. Just do you

623
00:27:02,400 --> 00:27:03,879
Speaker 5: know what? See yourself out mate?

624
00:27:04,840 --> 00:27:08,040
Speaker 2: Oh ill, But you know what Beck said about you know,

625
00:27:08,280 --> 00:27:11,600
Speaker 2: once it's in like an investment account, it's like not

626
00:27:11,640 --> 00:27:13,960
Speaker 2: your savings, but you can't touch it. Yeah, that's one

627
00:27:14,000 --> 00:27:16,639
Speaker 2: hundred percent. So I feel like I'm kind of using

628
00:27:16,640 --> 00:27:19,080
Speaker 2: that as a savings account. Not that I really want.

629
00:27:19,000 --> 00:27:21,560
Speaker 4: To, but no, but like it does feel like it's

630
00:27:21,600 --> 00:27:24,639
Speaker 4: like that additional degree of separation that I feel like

631
00:27:24,680 --> 00:27:26,520
Speaker 4: you need, Like you know when people are like, oh,

632
00:27:26,600 --> 00:27:29,280
Speaker 4: I always dip into my bank account, Like I find

633
00:27:29,280 --> 00:27:32,480
Speaker 4: that those people do really well with investment accounts because like,

634
00:27:32,520 --> 00:27:34,760
Speaker 4: once it's quote gone into that account, they're like, oh,

635
00:27:34,840 --> 00:27:36,639
Speaker 4: it's too much admin to get it back out, and

636
00:27:36,680 --> 00:27:39,240
Speaker 4: it's not really mine anymore, and it's kind of performing,

637
00:27:39,280 --> 00:27:41,080
Speaker 4: and I wouldn't want it to stop performing.

638
00:27:41,359 --> 00:27:43,320
Speaker 2: Yeah, and I hate seeing the little dipped out on

639
00:27:43,359 --> 00:27:46,120
Speaker 2: the graph, so yeah, it'll ruin your graph, that's right.

640
00:27:46,280 --> 00:27:48,399
Speaker 2: So simple things like that, I'd like, I can't touch it.

641
00:27:48,480 --> 00:27:51,320
Speaker 4: So I had RAIS and I still have RAIS because

642
00:27:51,320 --> 00:27:53,439
Speaker 4: I just do like little roundups here and there. And

643
00:27:53,520 --> 00:27:54,840
Speaker 4: as you guys know, I don't know if you know

644
00:27:54,920 --> 00:27:58,800
Speaker 4: this but I'm obsessed with finance. So I have rais,

645
00:27:58,960 --> 00:28:03,400
Speaker 4: I have Spaceship, have Charez's and I once sold down

646
00:28:03,480 --> 00:28:06,800
Speaker 4: my raise portfolio because it got quite high, but it's

647
00:28:06,840 --> 00:28:09,720
Speaker 4: not my main investment account, and I'm like, okay, it's

648
00:28:09,760 --> 00:28:11,800
Speaker 4: like kind of high. I'm going to like sell this

649
00:28:11,920 --> 00:28:14,600
Speaker 4: down and put it into my Shaza's account. I sold

650
00:28:14,640 --> 00:28:16,959
Speaker 4: it down, and I still look at the graph and

651
00:28:16,960 --> 00:28:18,960
Speaker 4: I like see the really big dip of when I

652
00:28:19,080 --> 00:28:19,720
Speaker 4: sold down.

653
00:28:20,119 --> 00:28:20,960
Speaker 5: And now it's.

654
00:28:20,720 --> 00:28:23,280
Speaker 4: Messed with my performance because it says, you know, you've

655
00:28:23,320 --> 00:28:25,760
Speaker 4: cashed out here, And I'm like, no, stop judging me.

656
00:28:25,920 --> 00:28:28,399
Speaker 4: I reinvested it. I promised, Like I wish there was

657
00:28:28,440 --> 00:28:32,440
Speaker 4: like a bigger app that like showed me my overarching.

658
00:28:31,880 --> 00:28:33,000
Speaker 2: They could look at everything.

659
00:28:33,200 --> 00:28:34,760
Speaker 5: Yeah, I'm like, no, I promise.

660
00:28:34,920 --> 00:28:35,400
Speaker 2: I promised.

661
00:28:35,400 --> 00:28:37,440
Speaker 4: My returns are better than that. I actually put it

662
00:28:37,480 --> 00:28:41,520
Speaker 4: into something else. Anyway, talk to me about debts. So

663
00:28:41,560 --> 00:28:44,040
Speaker 4: you got out of this debt by essentially leaving it

664
00:28:44,080 --> 00:28:46,200
Speaker 4: with your husband. He got the car, he organized all

665
00:28:46,240 --> 00:28:48,360
Speaker 4: of that. Do you have any other debts?

666
00:28:48,720 --> 00:28:50,760
Speaker 2: Yes, so we do have a credit card that we're

667
00:28:50,760 --> 00:28:54,720
Speaker 2: paying off, but I've transferred it last year to an

668
00:28:54,720 --> 00:28:58,080
Speaker 2: interest free period one so we're paying more off that

669
00:28:58,160 --> 00:29:00,360
Speaker 2: than we need to, and we'll pay that off by

670
00:29:00,400 --> 00:29:03,719
Speaker 2: the end of next year. So that has fourteen thousand

671
00:29:04,120 --> 00:29:09,760
Speaker 2: purely from one making some not great financial decisions thinking

672
00:29:10,000 --> 00:29:11,960
Speaker 2: in my mind, I'm still in a full time wage

673
00:29:12,120 --> 00:29:17,080
Speaker 2: but I wasn't, but also thinking like using it for points,

674
00:29:17,120 --> 00:29:20,880
Speaker 2: but then like stupidly not factoring in like the interest

675
00:29:21,000 --> 00:29:24,080
Speaker 2: and things. So that credit card's gone and we are

676
00:29:24,160 --> 00:29:26,400
Speaker 2: using just the other one to pay it off, and

677
00:29:26,440 --> 00:29:28,000
Speaker 2: we don't even have a card for that, which has

678
00:29:28,040 --> 00:29:28,800
Speaker 2: been really helpful.

679
00:29:28,840 --> 00:29:31,080
Speaker 4: You've got to be so careful when you like sign

680
00:29:31,200 --> 00:29:33,120
Speaker 4: up for things for points. It can be really great,

681
00:29:33,160 --> 00:29:35,080
Speaker 4: but we really need to make sure that every single

682
00:29:35,160 --> 00:29:37,320
Speaker 4: month you go in and you pay off that balance

683
00:29:37,400 --> 00:29:39,400
Speaker 4: in full, because it cannot end up really quickly.

684
00:29:39,400 --> 00:29:40,760
Speaker 5: And I can alrest guarantee.

685
00:29:41,040 --> 00:29:43,520
Speaker 4: When you got that credit card, you didn't want to

686
00:29:43,520 --> 00:29:45,440
Speaker 4: get in fourteen thousand dollars worth of debt.

687
00:29:45,240 --> 00:29:46,080
Speaker 5: Did you?

688
00:29:46,120 --> 00:29:47,400
Speaker 2: No? Not at all?

689
00:29:47,560 --> 00:29:49,240
Speaker 4: Like it was always just like, oh, this will be

690
00:29:49,240 --> 00:29:51,440
Speaker 4: a helpful tool, and then all of a sudden you

691
00:29:51,520 --> 00:29:53,960
Speaker 4: haven't used it correctly and you're like, oh, this is

692
00:29:54,000 --> 00:29:55,120
Speaker 4: going to take us a year and a half to

693
00:29:55,160 --> 00:29:55,680
Speaker 4: get out of.

694
00:29:56,000 --> 00:29:58,600
Speaker 2: Yeah, and I had the direct debit set up, thought,

695
00:29:58,800 --> 00:30:00,920
Speaker 2: you know, it's paying it off. But then I guess

696
00:30:00,960 --> 00:30:03,720
Speaker 2: yet looking back now, I don't know why I wasn't

697
00:30:03,760 --> 00:30:05,760
Speaker 2: looking at the time, but you know, in my mind

698
00:30:05,800 --> 00:30:07,600
Speaker 2: it was being paid off. And then when I opened

699
00:30:07,600 --> 00:30:10,120
Speaker 2: the up one day, I was like, oh my goodness,

700
00:30:10,160 --> 00:30:11,960
Speaker 2: like literally none of it was paid off. It was

701
00:30:12,000 --> 00:30:12,840
Speaker 2: all in interest.

702
00:30:13,120 --> 00:30:16,160
Speaker 4: Yeah, it happens, honestly to the best of us. But

703
00:30:16,200 --> 00:30:18,560
Speaker 4: that's why we have to always talk about this stuff

704
00:30:18,560 --> 00:30:21,120
Speaker 4: and always like be on top of it, because I'm

705
00:30:21,160 --> 00:30:23,920
Speaker 4: glad it didn't spiral even more out of control for you.

706
00:30:24,760 --> 00:30:27,160
Speaker 4: Now I've picked up on some language that I want

707
00:30:27,160 --> 00:30:29,480
Speaker 4: to dive into. You said we, You said us. Are

708
00:30:29,520 --> 00:30:31,600
Speaker 4: you sharing finances with your new partner?

709
00:30:31,840 --> 00:30:32,640
Speaker 2: Yes? We are.

710
00:30:32,680 --> 00:30:35,200
Speaker 5: Now talk to me. How did that happen? What did

711
00:30:35,240 --> 00:30:35,840
Speaker 5: that look like?

712
00:30:36,200 --> 00:30:41,040
Speaker 2: So it happened a little while after moving in, because

713
00:30:41,040 --> 00:30:44,120
Speaker 2: it ended up just becoming you know, like, oh, do

714
00:30:44,120 --> 00:30:46,080
Speaker 2: you want me to pay for groceries? Or should I

715
00:30:46,080 --> 00:30:48,880
Speaker 2: pay for the electricity bill? And then in the end

716
00:30:48,920 --> 00:30:51,800
Speaker 2: it was actually his suggestion that it was like, well,

717
00:30:52,120 --> 00:30:54,480
Speaker 2: you know, why don't I just contribute to this? But

718
00:30:54,880 --> 00:30:57,200
Speaker 2: you know, obviously I had twins that I had to

719
00:30:57,200 --> 00:31:00,920
Speaker 2: support as well, and he was like, I'm living here

720
00:31:01,120 --> 00:31:02,719
Speaker 2: and if I didn't want to take them on, then

721
00:31:02,760 --> 00:31:04,440
Speaker 2: I wouldn't have moved in.

722
00:31:04,520 --> 00:31:06,600
Speaker 5: Oh my god, I love him for you.

723
00:31:06,880 --> 00:31:10,920
Speaker 2: Yeah. So we ended up joining our finances, which just

724
00:31:10,960 --> 00:31:13,240
Speaker 2: made it so much easier because now I take full

725
00:31:13,280 --> 00:31:16,440
Speaker 2: control of it. He can see everything and access everything.

726
00:31:16,480 --> 00:31:19,280
Speaker 2: But he doesn't want to know. He doesn't really care.

727
00:31:19,400 --> 00:31:22,480
Speaker 2: It's just you deal with it because you're organized.

728
00:31:22,800 --> 00:31:23,920
Speaker 5: Stop it this man.

729
00:31:24,240 --> 00:31:27,440
Speaker 4: I am just so happy for you girl, like you

730
00:31:27,520 --> 00:31:30,760
Speaker 4: deserve all of this and more so on average.

731
00:31:30,800 --> 00:31:32,560
Speaker 5: What is your new partner earning?

732
00:31:32,760 --> 00:31:33,920
Speaker 2: Pretty much exactly the same?

733
00:31:34,080 --> 00:31:36,080
Speaker 4: Yeah, okay, so it's like fifty to fifty. And then

734
00:31:36,360 --> 00:31:38,360
Speaker 4: I was about to say, how are you splitting costs

735
00:31:38,440 --> 00:31:39,200
Speaker 4: for your kids?

736
00:31:39,360 --> 00:31:40,560
Speaker 5: Like what does that look like?

737
00:31:40,880 --> 00:31:43,120
Speaker 4: Is he literally like no, sorry, like you guys are

738
00:31:43,120 --> 00:31:45,880
Speaker 4: a packaged deal, Like how is he dealing with this?

739
00:31:46,240 --> 00:31:50,480
Speaker 2: Yeah? Exactly, yeap, So we just have everything. Yeah, fifty

740
00:31:50,480 --> 00:31:54,080
Speaker 2: to fifty and it seems to be working out. I think,

741
00:31:54,240 --> 00:31:56,920
Speaker 2: you know, I kind of say to him, maybe every

742
00:31:56,960 --> 00:31:58,720
Speaker 2: few months, you know, are you sure you want to

743
00:31:58,800 --> 00:32:01,440
Speaker 2: keep doing this? Like your paid for you know, childcare

744
00:32:01,440 --> 00:32:04,440
Speaker 2: fees and everything, and he's like, yeah, of course I do.

745
00:32:04,480 --> 00:32:05,160
Speaker 2: Why wouldn't I?

746
00:32:05,280 --> 00:32:06,400
Speaker 5: Oh my god, this man.

747
00:32:07,040 --> 00:32:09,480
Speaker 4: You know what, every single mum deserves one of these

748
00:32:09,480 --> 00:32:11,960
Speaker 4: guys to go rock on into their lives.

749
00:32:12,360 --> 00:32:14,480
Speaker 5: So does your ex husband.

750
00:32:14,200 --> 00:32:17,280
Speaker 4: In any way support your children, like financially, Like what

751
00:32:17,320 --> 00:32:18,960
Speaker 4: does that custody split look like?

752
00:32:19,280 --> 00:32:23,280
Speaker 2: So he has them two nights a fortnight. He pays

753
00:32:23,480 --> 00:32:27,240
Speaker 2: like the government child support. Recently that dropped to zero

754
00:32:28,080 --> 00:32:31,600
Speaker 2: a month because he said that he'd lost his job.

755
00:32:31,680 --> 00:32:33,120
Speaker 5: Yeah, sure he did, which.

756
00:32:33,080 --> 00:32:36,960
Speaker 2: I don't think so, but anyway, and then now he

757
00:32:37,000 --> 00:32:40,320
Speaker 2: pays me one hundred and twenty dollars a month. That's

758
00:32:40,360 --> 00:32:42,560
Speaker 2: his child support, and that is it.

759
00:32:42,920 --> 00:32:46,800
Speaker 4: So he's paying sixty dollars per child a month a

760
00:32:46,880 --> 00:32:49,680
Speaker 4: month and he probably thinks that's so much money to

761
00:32:49,720 --> 00:32:50,280
Speaker 4: give you.

762
00:32:50,720 --> 00:32:53,600
Speaker 2: Yeah, so I've said a few times, you know, can

763
00:32:53,600 --> 00:32:57,400
Speaker 2: you contribute to daycare cost? Can you contribute to swimming lessons? Anything?

764
00:32:57,520 --> 00:33:00,400
Speaker 2: You know that it's not deemed you know, ulter and

765
00:33:00,480 --> 00:33:03,440
Speaker 2: food and water basically, and it's just that you know,

766
00:33:03,560 --> 00:33:05,200
Speaker 2: this is why I pay child support.

767
00:33:05,240 --> 00:33:07,760
Speaker 4: Wow, that's nice for him. And he just has them

768
00:33:07,800 --> 00:33:09,120
Speaker 4: like one weekend a fortnight.

769
00:33:09,440 --> 00:33:10,920
Speaker 2: Yeah, that's right, and that's it.

770
00:33:11,040 --> 00:33:11,160
Speaker 1: I know.

771
00:33:11,240 --> 00:33:13,840
Speaker 4: They usually just like consecutive days, so it's like two

772
00:33:13,920 --> 00:33:15,240
Speaker 4: days and then they're back with you.

773
00:33:15,320 --> 00:33:16,040
Speaker 2: Yep, that's right.

774
00:33:16,120 --> 00:33:18,280
Speaker 4: He probably always wants it on the weekend though, because

775
00:33:18,280 --> 00:33:20,320
Speaker 4: that's the most convenient for him as well, isn't it.

776
00:33:20,720 --> 00:33:22,640
Speaker 2: Yeah. Well, he actually asked can he have them through

777
00:33:22,680 --> 00:33:26,240
Speaker 2: the week because then you know he's child support. He

778
00:33:26,240 --> 00:33:29,760
Speaker 2: wanted them pretty much every daycare day and I said, oh, okay,

779
00:33:30,080 --> 00:33:32,120
Speaker 2: you could, but does that mean you'll be paying day

780
00:33:32,200 --> 00:33:34,520
Speaker 2: care fees? And he said no, I can't afford.

781
00:33:34,200 --> 00:33:36,320
Speaker 4: That, sorry, So I would pay for the care on

782
00:33:36,360 --> 00:33:37,920
Speaker 4: the day that you're meant to be caring for them.

783
00:33:37,960 --> 00:33:38,560
Speaker 5: I don't think so.

784
00:33:38,840 --> 00:33:40,640
Speaker 2: Yeah, and then your care percentage will go up that

785
00:33:40,760 --> 00:33:43,680
Speaker 2: much that I'd actually be paying you as well. So

786
00:33:44,200 --> 00:33:45,800
Speaker 2: it's just very sneaky, I.

787
00:33:45,720 --> 00:33:46,200
Speaker 5: Don't think so.

788
00:33:46,320 --> 00:33:48,120
Speaker 4: Do you know what, girl, It sounds like you have

789
00:33:48,240 --> 00:33:51,680
Speaker 4: dropped some serious dead weight and like you might not

790
00:33:51,760 --> 00:33:53,360
Speaker 4: have seen it at the time, but I don't know

791
00:33:53,400 --> 00:33:55,640
Speaker 4: who in the universe was looking out for you. They

792
00:33:55,640 --> 00:33:57,240
Speaker 4: were like, girl, we need to dodge a bullet. This

793
00:33:57,320 --> 00:33:58,920
Speaker 4: is going to be really painful. It's going to be

794
00:33:58,960 --> 00:34:00,920
Speaker 4: the worst period of you're in entire high life. But

795
00:34:01,000 --> 00:34:03,400
Speaker 4: I promise everything gets better from here.

796
00:34:03,760 --> 00:34:06,720
Speaker 2: Yeah, And because it got better so quickly after as well,

797
00:34:07,000 --> 00:34:09,480
Speaker 2: I think, like my like I saw the sudden, it

798
00:34:09,560 --> 00:34:12,719
Speaker 2: was just crazy, this feeling that I was like, oh, yes,

799
00:34:12,840 --> 00:34:14,160
Speaker 2: somebody was watching out for me.

800
00:34:14,760 --> 00:34:16,520
Speaker 5: Absolutely, Oh my goodness.

801
00:34:16,560 --> 00:34:19,200
Speaker 4: I'm so glad. But also like, no one deserves to

802
00:34:19,239 --> 00:34:21,600
Speaker 4: go through that. So I'm like upset you had to

803
00:34:21,640 --> 00:34:23,120
Speaker 4: go through it. But at the same time, I'm like,

804
00:34:23,200 --> 00:34:27,439
Speaker 4: this guy needs to get in the bin. Talk to me, though,

805
00:34:27,640 --> 00:34:29,520
Speaker 4: what do you think your best money habit is, Because

806
00:34:29,560 --> 00:34:31,319
Speaker 4: earlier in the episode you said I'm really good at

807
00:34:31,360 --> 00:34:33,600
Speaker 4: like segmenting things and putting them in the right accounts.

808
00:34:33,680 --> 00:34:34,759
Speaker 5: Is that your best money habit?

809
00:34:34,920 --> 00:34:37,719
Speaker 2: I would say so. So I've got up bank, and

810
00:34:37,920 --> 00:34:40,480
Speaker 2: I've got like eight buckets in my up bank.

811
00:34:40,400 --> 00:34:44,319
Speaker 5: Okay, jessic Ricci, I love it.

812
00:34:43,800 --> 00:34:46,799
Speaker 2: I hear Jess talk and I'm like, oh, yeah, that's me.

813
00:34:47,200 --> 00:34:50,239
Speaker 4: She's got like eighteen at the moment. It's actually insane.

814
00:34:51,760 --> 00:34:54,760
Speaker 2: So I have like an emergency fund that I just put,

815
00:34:54,840 --> 00:34:57,000
Speaker 2: you know, directed it into each week, and then I've

816
00:34:57,200 --> 00:35:00,440
Speaker 2: calculated like the yearly car expenses, so all of that

817
00:35:00,480 --> 00:35:02,640
Speaker 2: money goes in and we never have to dip in.

818
00:35:02,920 --> 00:35:05,480
Speaker 2: But I only actually started that after she's on the

819
00:35:05,480 --> 00:35:08,399
Speaker 2: money because I was just like, I'm never getting back

820
00:35:08,400 --> 00:35:10,560
Speaker 2: into credit card debt, and this is how it's going

821
00:35:10,640 --> 00:35:13,000
Speaker 2: to be. So sometimes my partner will be like, why

822
00:35:13,000 --> 00:35:15,200
Speaker 2: do we have so much money leaving the account on

823
00:35:15,239 --> 00:35:17,920
Speaker 2: our payday? Like, can't you just stop that direct debit?

824
00:35:17,960 --> 00:35:20,239
Speaker 5: I'm like, no, no, it's not like we don't lose

825
00:35:20,280 --> 00:35:20,720
Speaker 5: the money.

826
00:35:20,800 --> 00:35:24,960
Speaker 4: It's actually organized and planned, and the reason it leaves

827
00:35:24,960 --> 00:35:25,680
Speaker 4: that account is.

828
00:35:25,640 --> 00:35:28,040
Speaker 5: So that it doesn't leave the rest of our accounts.

829
00:35:28,560 --> 00:35:30,480
Speaker 2: Yeah, and you know, like I pay extra on the

830
00:35:30,480 --> 00:35:34,200
Speaker 2: electricity bill each week as a direct debit, so then

831
00:35:34,520 --> 00:35:36,279
Speaker 2: it's like a little bit of a surprise. If we're

832
00:35:36,280 --> 00:35:38,920
Speaker 2: going away, then I've got credit of like five hundred

833
00:35:38,960 --> 00:35:40,880
Speaker 2: dollars and I just pull that and it's like, oh,

834
00:35:40,920 --> 00:35:41,839
Speaker 2: that's a nice little tree.

835
00:35:41,960 --> 00:35:44,600
Speaker 4: Yeah, that's so smart. And I feel like, you know,

836
00:35:44,640 --> 00:35:47,399
Speaker 4: if you're putting extra, especially into your electricity bill when

837
00:35:47,440 --> 00:35:49,839
Speaker 4: you can afford it, then winter comes and that like

838
00:35:50,160 --> 00:35:53,160
Speaker 4: electricity bill that has escalated because you left the heater

839
00:35:53,200 --> 00:35:55,800
Speaker 4: on a few times longer than you should have, doesn't

840
00:35:55,840 --> 00:35:56,919
Speaker 4: sting nearly as much.

841
00:35:57,160 --> 00:35:59,880
Speaker 2: Like no, exactly. Yeah, it just feels nice.

842
00:35:59,719 --> 00:36:02,040
Speaker 4: To have it. It's like smart planning. I think I've

843
00:36:02,080 --> 00:36:04,200
Speaker 4: said this on the podcast before, but probably years ago.

844
00:36:04,280 --> 00:36:06,040
Speaker 4: My mum always used to tell me, like when I

845
00:36:06,080 --> 00:36:08,080
Speaker 4: was going on a holiday, she could be like, go

846
00:36:08,160 --> 00:36:11,640
Speaker 4: and buy yourself a gift card and like make it

847
00:36:11,640 --> 00:36:14,440
Speaker 4: like one hundred dollars that you can spend at like

848
00:36:14,480 --> 00:36:16,879
Speaker 4: seven to eleven when you get home on fuel, so

849
00:36:16,920 --> 00:36:18,840
Speaker 4: that you don't come home and have no money and

850
00:36:18,920 --> 00:36:21,640
Speaker 4: can't afford fuel for your car, and genius. Like it

851
00:36:21,719 --> 00:36:23,200
Speaker 4: just feels like a little treat. When you get home,

852
00:36:23,239 --> 00:36:24,520
Speaker 4: you're like, oh, I planned for this.

853
00:36:25,000 --> 00:36:26,640
Speaker 2: I love that. That's amazing.

854
00:36:26,840 --> 00:36:28,440
Speaker 4: Yeah, because like you don't want to come home and

855
00:36:28,440 --> 00:36:29,960
Speaker 4: then you're like, oh my god, I have to put

856
00:36:30,000 --> 00:36:31,960
Speaker 4: like one hundred dollars worth of fuel into my car.

857
00:36:32,080 --> 00:36:34,960
Speaker 5: This is crazy. I got of water right back into life.

858
00:36:35,040 --> 00:36:35,279
Speaker 2: Yeah.

859
00:36:35,360 --> 00:36:37,160
Speaker 5: Yeah, it just feels like a little treat.

860
00:36:37,440 --> 00:36:40,040
Speaker 4: And because you spent it, and this is delusion again

861
00:36:40,160 --> 00:36:42,759
Speaker 4: at its peak, because you spent it before you left

862
00:36:42,800 --> 00:36:44,640
Speaker 4: on holiday, it feels like it was free money.

863
00:36:44,400 --> 00:36:47,120
Speaker 2: Absolutely right. It wasn't really mind anyway. Yeah.

864
00:36:47,120 --> 00:36:49,640
Speaker 4: It's like when I pack away my winter coats, if

865
00:36:49,680 --> 00:36:51,640
Speaker 4: I have like a spare ten dollars. I always like

866
00:36:51,680 --> 00:36:53,400
Speaker 4: stuff it in one of the pockets because I know,

867
00:36:53,520 --> 00:36:54,840
Speaker 4: like future me will love that.

868
00:36:55,560 --> 00:36:57,439
Speaker 5: Yeah, so dumb.

869
00:36:57,480 --> 00:36:59,680
Speaker 4: And do you know what, every single time I forget,

870
00:36:59,760 --> 00:37:02,840
Speaker 4: I've done it. Like I am the queen of deluding myself.

871
00:37:03,000 --> 00:37:06,040
Speaker 2: You do it every year. But it's still amazing really too.

872
00:37:06,520 --> 00:37:08,239
Speaker 4: I literally I pulled out a coat the other day

873
00:37:08,280 --> 00:37:09,680
Speaker 4: and I was like ten bucks.

874
00:37:09,840 --> 00:37:12,800
Speaker 5: And my husband was like, you did that to yourself,

875
00:37:13,400 --> 00:37:14,840
Speaker 5: and I was like, let me have this.

876
00:37:16,800 --> 00:37:19,200
Speaker 2: I think like another good money habit that I have

877
00:37:19,440 --> 00:37:22,200
Speaker 2: is like I love a haggle, so I love to

878
00:37:22,239 --> 00:37:24,640
Speaker 2: get the best price. If I could haggle with coals,

879
00:37:24,760 --> 00:37:28,319
Speaker 2: I absolutely would. So a few weeks ago, I had

880
00:37:28,400 --> 00:37:31,160
Speaker 2: a broke tip that was on the podcast from Haggling.

881
00:37:31,280 --> 00:37:33,439
Speaker 5: Oh did you Yeah? It must have been really good.

882
00:37:33,880 --> 00:37:35,719
Speaker 2: Yeah, So I was like, oh, I just felt like

883
00:37:35,719 --> 00:37:38,080
Speaker 2: such a win. And I will just never try and

884
00:37:38,080 --> 00:37:40,440
Speaker 2: pay full price, especially big ticket items, if I can

885
00:37:40,480 --> 00:37:40,799
Speaker 2: help it.

886
00:37:40,840 --> 00:37:41,200
Speaker 5: Why not.

887
00:37:41,280 --> 00:37:44,160
Speaker 4: Everything's negotiable if you don't try and negotiate it, it's

888
00:37:44,160 --> 00:37:44,840
Speaker 4: not negotiable.

889
00:37:44,920 --> 00:37:46,480
Speaker 5: Is that That's exactly right?

890
00:37:46,520 --> 00:37:47,480
Speaker 2: They can only say no.

891
00:37:47,600 --> 00:37:49,920
Speaker 5: And then what you say, thanks so much? For considering it,

892
00:37:50,000 --> 00:37:50,600
Speaker 5: no worries.

893
00:37:50,880 --> 00:37:53,239
Speaker 2: Yeah, and I'll just pay anyway because I have to

894
00:37:53,280 --> 00:37:54,120
Speaker 2: buy this so.

895
00:37:54,200 --> 00:37:55,000
Speaker 5: I need the item.

896
00:37:55,120 --> 00:37:58,200
Speaker 4: Yeah, it was worth a crack. So tell me, what

897
00:37:58,239 --> 00:37:59,920
Speaker 4: do you think your worst money? How it is?

898
00:38:00,239 --> 00:38:03,120
Speaker 2: So I think the incidental spending. I know that I

899
00:38:03,160 --> 00:38:05,680
Speaker 2: need to print out in my bank statement and highlight it.

900
00:38:06,200 --> 00:38:10,360
Speaker 2: And I've read the book, I've listened to the podcast

901
00:38:10,440 --> 00:38:12,560
Speaker 2: and every time I'm like, yep, I need to do that.

902
00:38:12,920 --> 00:38:15,399
Speaker 2: But that's really I think the way the money's going.

903
00:38:15,800 --> 00:38:18,520
Speaker 2: So I'll try and be organized and you know, do

904
00:38:18,600 --> 00:38:20,600
Speaker 2: a meal plan for the whole week and then buy

905
00:38:20,640 --> 00:38:23,360
Speaker 2: one set of groceries. But then you know, the milks

906
00:38:23,440 --> 00:38:25,319
Speaker 2: run out midweek, so then I go and it's like,

907
00:38:25,360 --> 00:38:28,160
Speaker 2: oh maybe we should get some garlic bread, and then

908
00:38:28,200 --> 00:38:29,600
Speaker 2: before you know it, it's fifty dollars.

909
00:38:29,760 --> 00:38:30,640
Speaker 5: How does that happen?

910
00:38:30,680 --> 00:38:31,000
Speaker 2: Though?

911
00:38:31,520 --> 00:38:35,319
Speaker 4: Like genuinely, I popped past the supermarket last night and

912
00:38:35,640 --> 00:38:38,960
Speaker 4: this is like this is niche mum content. I picked

913
00:38:39,000 --> 00:38:41,040
Speaker 4: my son up from daycare. It was like right on

914
00:38:41,160 --> 00:38:43,719
Speaker 4: six o'clock, which is like witching hour for us. Like

915
00:38:43,760 --> 00:38:45,560
Speaker 4: if I don't feed my son once we get back

916
00:38:45,560 --> 00:38:48,439
Speaker 4: from daycare, all hell is going to break loose, right,

917
00:38:48,680 --> 00:38:50,600
Speaker 4: But I knew I had to go to the supermarket,

918
00:38:50,680 --> 00:38:53,759
Speaker 4: so I like get him. Annoyingly, he'd fallen asleep in

919
00:38:53,840 --> 00:38:56,759
Speaker 4: his bloody car seat, so I'm like, oh, I'll get

920
00:38:56,760 --> 00:38:58,680
Speaker 4: the carrier out because he's going to be a pain.

921
00:38:58,800 --> 00:39:00,960
Speaker 4: So I get the carrier out. So I'm carrying this

922
00:39:01,080 --> 00:39:03,560
Speaker 4: baby around. I'm thinking in my head, this is good

923
00:39:03,560 --> 00:39:05,680
Speaker 4: because I have to go straight in, get what I

924
00:39:05,719 --> 00:39:06,479
Speaker 4: need and leave.

925
00:39:07,280 --> 00:39:09,040
Speaker 5: Still somehow fifty dollars.

926
00:39:08,840 --> 00:39:10,240
Speaker 2: What how does it happen?

927
00:39:10,320 --> 00:39:11,759
Speaker 5: How does it happen? Like?

928
00:39:11,880 --> 00:39:14,239
Speaker 4: I only got like a few basics and things that

929
00:39:14,320 --> 00:39:16,440
Speaker 4: I needed literally not even.

930
00:39:16,320 --> 00:39:19,560
Speaker 5: For me, Like I needed soap, I needed new.

931
00:39:19,440 --> 00:39:22,600
Speaker 4: Bread, baby yogurts because we were out of those, and

932
00:39:22,640 --> 00:39:25,320
Speaker 4: by the time I'd done baby yogurts, and also formula

933
00:39:25,400 --> 00:39:28,080
Speaker 4: because my son still has like a couple of bottles

934
00:39:28,080 --> 00:39:28,399
Speaker 4: a day.

935
00:39:28,800 --> 00:39:30,680
Speaker 5: Bam, it's just so much.

936
00:39:31,080 --> 00:39:33,080
Speaker 2: And you try and stuck up on the formula when

937
00:39:33,080 --> 00:39:35,560
Speaker 2: it's on sale and things, but you just still seem

938
00:39:35,640 --> 00:39:36,200
Speaker 2: to run out.

939
00:39:36,440 --> 00:39:37,800
Speaker 5: Yeah, it goes so quickly.

940
00:39:38,360 --> 00:39:41,480
Speaker 4: You mentioned before, like your incidental spending and how you

941
00:39:41,560 --> 00:39:44,279
Speaker 4: haven't like printed out your bank statements yet. What do

942
00:39:44,320 --> 00:39:47,680
Speaker 4: you think your number one incidental spend. Is is it

943
00:39:47,760 --> 00:39:50,200
Speaker 4: like just the supermarket top ups or is it like

944
00:39:50,360 --> 00:39:51,240
Speaker 4: something else.

945
00:39:51,600 --> 00:39:55,120
Speaker 2: I think the supermarket's definitely a big one, but probably

946
00:39:55,239 --> 00:39:56,239
Speaker 2: Camart as well.

947
00:39:56,360 --> 00:39:58,920
Speaker 4: What are we buying Camart? Because like, I'm really good

948
00:39:58,960 --> 00:39:59,480
Speaker 4: at Camart?

949
00:39:59,520 --> 00:40:01,000
Speaker 2: Do you know what? And that's so funny because I

950
00:40:01,040 --> 00:40:03,719
Speaker 2: can't even tell you, like one hundred percent on what

951
00:40:03,800 --> 00:40:06,640
Speaker 2: it is. But you know, I love, you know, just

952
00:40:06,680 --> 00:40:08,480
Speaker 2: getting a little treat and then I might see a

953
00:40:08,480 --> 00:40:10,200
Speaker 2: really cute out of it for the twins, so then

954
00:40:10,239 --> 00:40:12,640
Speaker 2: I'm like, oh, I should probably get that too, But

955
00:40:12,680 --> 00:40:14,080
Speaker 2: then you've got two, so double that.

956
00:40:14,360 --> 00:40:18,200
Speaker 4: Ahh yeah, no, that would add up so quickly. I

957
00:40:18,280 --> 00:40:21,800
Speaker 4: feel like you're relatively savvy when it comes to money,

958
00:40:21,800 --> 00:40:23,760
Speaker 4: though I know you said, look, i've got credit card

959
00:40:24,200 --> 00:40:27,240
Speaker 4: debt and we're working that out, yollow, But it sounds

960
00:40:27,280 --> 00:40:30,080
Speaker 4: like you've got your upbank, you've got all your savers,

961
00:40:30,080 --> 00:40:32,919
Speaker 4: you've got an emergency fund, you're investing, you're on raise,

962
00:40:33,000 --> 00:40:35,880
Speaker 4: you've got seventy grand in super like gol. Sorry I

963
00:40:35,920 --> 00:40:37,520
Speaker 4: don't know how to remind you of this, but you're

964
00:40:37,600 --> 00:40:42,840
Speaker 4: raising literal twins. You're doing so well. Like we spoke

965
00:40:42,880 --> 00:40:45,600
Speaker 4: about everything that you've been through. But then also like

966
00:40:46,000 --> 00:40:48,920
Speaker 4: you earn one hundred and ten grand plus super and

967
00:40:48,960 --> 00:40:51,040
Speaker 4: you're back at full time work. You've got these four

968
00:40:51,080 --> 00:40:54,919
Speaker 4: year old beautiful twins, and somehow you're like making all

969
00:40:54,960 --> 00:40:57,759
Speaker 4: of this work. But you think you're a c Like

970
00:40:57,800 --> 00:41:00,399
Speaker 4: I know that the supermarket can get away from some us,

971
00:41:00,440 --> 00:41:03,680
Speaker 4: but like someone who has an emergency fund and all

972
00:41:03,680 --> 00:41:06,239
Speaker 4: of their upsavers and looks at their bank account on

973
00:41:06,360 --> 00:41:07,200
Speaker 4: payday is not.

974
00:41:07,200 --> 00:41:08,279
Speaker 5: A sea girlfriend.

975
00:41:09,000 --> 00:41:11,759
Speaker 2: I think I just look at the wage that we're

976
00:41:11,800 --> 00:41:14,239
Speaker 2: on and it's like, we should just be doing so

977
00:41:14,400 --> 00:41:15,959
Speaker 2: much better than this, but.

978
00:41:15,840 --> 00:41:17,520
Speaker 4: We're in the middle of a cost of living crisis

979
00:41:17,520 --> 00:41:21,839
Speaker 4: as well. Like I just I want to shake everybody

980
00:41:22,040 --> 00:41:24,960
Speaker 4: because I think that you know, people will be like, oh, yeah,

981
00:41:25,000 --> 00:41:26,960
Speaker 4: we're on such a good income, and please do not

982
00:41:27,320 --> 00:41:29,640
Speaker 4: take this the wrong way. If you're listening to this,

983
00:41:29,760 --> 00:41:32,080
Speaker 4: not even money direst but like one hundred and ten

984
00:41:32,120 --> 00:41:35,120
Speaker 4: thousand dollars for some people, if you earn fifty thousand dollars,

985
00:41:35,160 --> 00:41:37,080
Speaker 4: you go, oh my god, the financial freedom that that

986
00:41:37,120 --> 00:41:41,080
Speaker 4: would afford after tax, after you've paid your super, after

987
00:41:41,120 --> 00:41:44,040
Speaker 4: you've paid back your hex. That amount of money so

988
00:41:44,320 --> 00:41:49,160
Speaker 4: easily dissipates, especially when you have kids, especially when you

989
00:41:49,239 --> 00:41:51,960
Speaker 4: are trying to just like live your life and you're not,

990
00:41:52,320 --> 00:41:55,640
Speaker 4: you know, meal planning to a t I promise for

991
00:41:55,760 --> 00:41:58,759
Speaker 4: a lot of people in that position, money just disappears,

992
00:41:59,120 --> 00:42:02,000
Speaker 4: like and it's not because you're irresponsible, it's just because

993
00:42:02,080 --> 00:42:04,120
Speaker 4: things are a lot tighter than they used to be,

994
00:42:04,440 --> 00:42:06,840
Speaker 4: and that one hundred dollars grocery shop now costs you

995
00:42:06,840 --> 00:42:10,080
Speaker 4: two hundred and fifty, and like, those are the things

996
00:42:10,080 --> 00:42:12,680
Speaker 4: that we don't give ourselves enough grace for. Those are

997
00:42:12,680 --> 00:42:15,200
Speaker 4: the things that we don't go. Oh, that makes sense

998
00:42:15,239 --> 00:42:17,319
Speaker 4: as to why I can't save what I want to do,

999
00:42:17,840 --> 00:42:19,879
Speaker 4: Like that makes sense as to why I can't pay

1000
00:42:19,920 --> 00:42:23,720
Speaker 4: this credit card off any faster. Like, but you're still

1001
00:42:23,800 --> 00:42:26,160
Speaker 4: putting the hard yards on yourself. You're like, oh yeah,

1002
00:42:26,160 --> 00:42:28,200
Speaker 4: I'm still sie stop hurt.

1003
00:42:30,040 --> 00:42:32,760
Speaker 2: Maybe we'll go a C plus, but I think until

1004
00:42:32,800 --> 00:42:35,040
Speaker 2: I paid the credit card off, then I definitely can't

1005
00:42:35,040 --> 00:42:35,520
Speaker 2: get to a B.

1006
00:42:35,640 --> 00:42:37,040
Speaker 5: All right, all right, I'll allow it.

1007
00:42:37,080 --> 00:42:37,680
Speaker 2: I'll allow it.

1008
00:42:37,680 --> 00:42:39,560
Speaker 4: Call me when you get the credit card paid off,

1009
00:42:39,560 --> 00:42:41,080
Speaker 4: and we'll bump you up to a B plus and

1010
00:42:41,080 --> 00:42:43,000
Speaker 4: and maybe an A money dost.

1011
00:42:43,080 --> 00:42:45,359
Speaker 5: It has been a pleasure. Thank you so much.

1012
00:42:45,440 --> 00:42:47,960
Speaker 4: For sharing your story and being so bright and bubbly

1013
00:42:48,000 --> 00:42:50,600
Speaker 4: about all of it, Like this could have been like a, yeah,

1014
00:42:50,680 --> 00:42:54,160
Speaker 4: this ruined my life story, but you're like, so this happened,

1015
00:42:54,200 --> 00:42:59,320
Speaker 4: but like my life is a million times better, Like oh,

1016
00:42:59,400 --> 00:43:01,480
Speaker 4: I just I can't wait for this episode to come

1017
00:43:01,480 --> 00:43:04,200
Speaker 4: out because I have two girlfriends who are currently going

1018
00:43:04,239 --> 00:43:06,160
Speaker 4: through a divorce that I cannot wait to send this

1019
00:43:06,239 --> 00:43:08,640
Speaker 4: episode too, to be like, see it can be better.

1020
00:43:08,680 --> 00:43:10,080
Speaker 5: We've gotten rid of the dead weight.

1021
00:43:10,400 --> 00:43:13,279
Speaker 2: Oh my goodness. Absolutely, And that's exactly why I wanted

1022
00:43:13,320 --> 00:43:16,000
Speaker 2: to do this, because I've never talked about my money really,

1023
00:43:16,400 --> 00:43:19,080
Speaker 2: but I was like, if this will show somebody to

1024
00:43:19,280 --> 00:43:19,640
Speaker 2: just do.

1025
00:43:19,640 --> 00:43:20,879
Speaker 5: It, I promise it will.

1026
00:43:21,000 --> 00:43:21,560
Speaker 2: I hope it does.

1027
00:43:21,719 --> 00:43:23,799
Speaker 5: Oh my god, I know it will. Thank you so much.

1028
00:43:23,800 --> 00:43:25,560
Speaker 4: It has been such a pleasure getting to know you,

1029
00:43:25,600 --> 00:43:27,279
Speaker 4: and I just know that the community is going to

1030
00:43:27,360 --> 00:43:29,920
Speaker 4: love hearing from you as much as I have.

1031
00:43:30,239 --> 00:43:31,160
Speaker 2: Thank you so much.

1032
00:43:37,640 --> 00:43:40,240
Speaker 4: Did buy shared on She's on the Money is generally

1033
00:43:40,400 --> 00:43:44,200
Speaker 4: nature and does not consider your individual circumstances. She's on

1034
00:43:44,239 --> 00:43:47,719
Speaker 4: the Money exists purely for educational purposes and should not

1035
00:43:47,800 --> 00:43:50,800
Speaker 4: be relied upon to make an investment or financial decision.

1036
00:43:51,160 --> 00:43:53,640
Speaker 4: If you do choose to buy a financial product, read

1037
00:43:53,640 --> 00:43:57,800
Speaker 4: the PDS, TMD and obtain appropriate financial advice tailored towards

1038
00:43:57,800 --> 00:44:01,120
Speaker 4: your needs. Victoria Divine and She's on the Money are

1039
00:44:01,160 --> 00:44:04,560
Speaker 4: authorized representatives of Money sherper P T y L t

1040
00:44:04,680 --> 00:44:07,439
Speaker 4: D A b N three two one six four nine

1041
00:44:07,560 --> 00:44:09,600
Speaker 4: two seven seven zero eight a

1042
00:44:09,760 --> 00:44:12,080
Speaker 5: F s L four five one two eight nine