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Speaker 1: She's on the Money.

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Speaker 2: She's on the Money.

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

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Speaker 3: for millennials who want financial freedom. My name, as always,

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Speaker 3: is Victoria Devine, and I am a financial advisor, a millennial,

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Speaker 3: and I am a woman who is wildly passionate about

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Speaker 3: all things financed. In this Money Darry's episode, you're going

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Speaker 3: to hear about our lockdown. Kiwe, who moved to Australia

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Speaker 3: right before the coronavirus hit, struggled through the entire thing

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Speaker 3: and has come out the other side on a completely

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Speaker 3: different page. And we're going to hear her story and

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Speaker 3: how her and her partner and young child got through that.

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Speaker 3: Ryan John, as always, is going to be joining me.

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Speaker 3: So Ryan, can you read out the email she sent

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Speaker 3: us last week?

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Speaker 1: My husband, daughter and I moved over in February this

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Speaker 1: year from New Zealand to Melbourne to create a future

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Speaker 1: for ourselves with better opportunities.

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Speaker 3: Beautiful.

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Speaker 1: A month later, we hit lockdown. Oh not so beautiful,

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Speaker 1: so beautiful, What a disaster. We used all of our

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Speaker 1: savings trying to just get by during the pandemic. I

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Speaker 1: was able to get a part time job and support

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Speaker 1: my little family, My husband has machine operating experience, but

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Speaker 1: he's had no luck getting a job as so many

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Speaker 1: people had lost their jobs. It was really competitive to

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Speaker 1: get new work because no one's really hiring. When no

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Speaker 1: one's all the factories and stuff are closed, right, Oh

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Speaker 1: the worst. When I was miserable and stressed, I would

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Speaker 1: clean and I would listen to the shites on the

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Speaker 1: Money podcast. And how did it change my look on

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Speaker 1: money and how it had control over me? Growing up?

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Speaker 1: My parents never taught me about money. But now my

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Speaker 1: husband finally has a full time job. I work part

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Speaker 1: time and look after my daughter the rest of the time.

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Speaker 1: We save, we budget. We feel empowered every day knowing

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Speaker 1: we have extra save for emergencies. We want to buy

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Speaker 1: a house and hopefully we'll be able to afford to

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Speaker 1: visit New Zealand when we can in the future.

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Speaker 3: How exciting.

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Speaker 1: So I didn't want to use the term survivor because

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Speaker 1: it just sounds maybe a bit more dramatic, dramatic than

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Speaker 1: it really is. But but it's totally to come over

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Speaker 1: here without a job and hit a lockdown and everything

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Speaker 1: that's happened to come out the other side all right.

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Speaker 1: Maybe using survivor wasn't too dramatic Victoria's singing on the podcast.

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Speaker 3: Now Welcome New Year, knew me?

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Speaker 1: Is that what we can come to expect in twenty

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Speaker 1: twenty one?

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Speaker 3: Absolutely so many surprises? Ad more.

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Speaker 1: All right, I'm going to call her the lockdown Kiwi.

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Speaker 3: All right, lockdown Kiwi?

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Speaker 1: All right, let's give her a bell.

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Speaker 2: We speaking?

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Speaker 1: Hello? Is this the formerly lockdown Kiwi? Oh?

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Speaker 2: Yes, hello, friend, Hello, I'm so nervous.

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Speaker 3: Why are you nervous?

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Speaker 2: I just put my daughter to sleep, went to the office,

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Speaker 2: which isn't the room she goes into, so I'm.

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Speaker 3: Hoping that she just so, you're nervous, not because of

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Speaker 3: the money diary. You're nervous going to.

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Speaker 2: The money diary. I'm so nervous because of the money diary.

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Speaker 3: But in all honesty, you should be more nervous. That

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Speaker 3: will wake your sleeping chry But that is a n story. Okay,

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Speaker 3: lockdown kyw. What has your relationship with money been like

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Speaker 3: in the past.

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Speaker 2: Well, my parents never taught me about money. My mom

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Speaker 2: didn't really talk to me about it at all, neither

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Speaker 2: did my dad, and it's not something that I learned

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Speaker 2: in school. I was very I'll make the money I'll

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Speaker 2: spend it and I'll know that i'll get paid again.

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Speaker 2: My husband, on the other hand, he was doing a

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Speaker 2: course in accounting at university and his dad always always

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Speaker 2: talked about it, but I never was willing to have

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Speaker 2: conversations with him about it because I didn't want to

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Speaker 2: argue because I've seen it in the past. So now

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Speaker 2: we're building a money story together.

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Speaker 3: Awesome and being pervy. What do you do for work now?

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Speaker 2: I went part time at a Chinese takeaway. We moved

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Speaker 2: over to Australia to bree Fith and I was very

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Speaker 2: lucky to go down to my local supermarket and there

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Speaker 2: was a Chinese restaurant outside and I just applied for

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Speaker 2: the job and got it. So I got the job

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Speaker 2: a month after we got here.

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Speaker 3: Oh, winner, you sound really kind, so I'd hire you too,

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Speaker 3: if that makes sense.

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Speaker 1: Do you have free pron crackers?

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Speaker 3: Who?

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Speaker 1: Yeah?

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Speaker 3: Do you get free pron crackers?

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Speaker 2: That's oh, my daughter every time she comes in. Obviously

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Speaker 2: she still and a half doesn't know about money. She

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Speaker 2: goes straight for the pron crackers and she's gains three times.

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Speaker 3: Yeah, woman after my own heart. Honestly, Now, would you

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Speaker 3: be comfortable telling us how much you earn and how

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Speaker 3: much is currently in your bank account?

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Speaker 2: So my husband and I got a joint bank account

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Speaker 2: when we first moved here because during COVID obviously people

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Speaker 2: were losing jobs and losing money not gaining jobs, so

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Speaker 2: we were off mine. And then my husband got a

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Speaker 2: job recently, so we make about three thousand to fortnite

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Speaker 2: and my account is two thousand.

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Speaker 3: Five hundred awesome And what is your attitude to money

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Speaker 3: and what's currently your big money goal?

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Speaker 2: My attitude has drastically changed from being reliant on savings

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Speaker 2: and stress due to COVID impact donors financially, but now

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Speaker 2: I'm empowered to replenish our savings and more in control

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Speaker 2: since listening to the She's on the Money podcast. Our

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Speaker 2: big savings goal is to own a house and create

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Speaker 2: financial stability for our future here in Australia.

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Speaker 3: Yay And wants your attitude towards investing and do you

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Speaker 3: currently have any investments?

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Speaker 2: You guys are the first ones that taught me about investing.

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Speaker 2: I didn't know anything about it. It still scares me

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Speaker 2: because my relationship with money is still mending from you know,

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Speaker 2: spending on our savings. But I know now that I'm

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Speaker 2: more in control of my money and with the knowledge

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Speaker 2: I'm gaining, we'd like to consider trying to micro invest

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Speaker 2: in future.

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Speaker 3: That's so very exciting. So what depths do you currently have?

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Speaker 2: So my husband has a student loan in New Zealand

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Speaker 2: that were currently paying off from our joint account. Other

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Speaker 2: than that, that's it now. Credit cards, no personal loans,

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Speaker 2: no finance cards or phones, which we're really proud of.

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Speaker 3: That is epic.

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Speaker 1: Do student loans in New Zealand get a bit complicated

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Speaker 1: when you leave New Zealand. I've heard the interests like

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Speaker 1: triples or something.

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Speaker 2: Yeah, so after six months after leaving the country, we

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Speaker 2: do get interests accumulated on his student loans. So it

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Speaker 2: is very hard and it is a big student loan,

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Speaker 2: but we're lucky.

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Speaker 3: It's or anything that we have interesting. So what would

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Speaker 3: you say your best money habit is.

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Speaker 2: I've never been into buying things for the sake of it.

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Speaker 2: I find deals and I don't impulse buy. I take

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Speaker 2: photos of things, I look at it for a while,

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Speaker 2: I consider the price, and if it's something I want,

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Speaker 2: I buy it. We've never had a credit card or

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Speaker 2: contracts with personal loans. However, I did use after pay

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Speaker 2: when we were trying to set up our life here,

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Speaker 2: like furniture, but I always budget for it, and I've

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Speaker 2: never had to pay extra from miss payments, and we

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Speaker 2: don't use it for things that aren't needed.

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Speaker 3: So it sounds like it was a super handy tool

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Speaker 3: in your situation.

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Speaker 2: It was. I did listen to all your podcasts that

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Speaker 2: after pay that we've been really smart about it, and

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Speaker 2: it's something that we needed when we were living off

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Speaker 2: our savings.

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Speaker 3: Yeah, and I think that that's actually something that people

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Speaker 3: get a little bit confused about when they do listen

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Speaker 3: to my podcasts, because I've actually never said get rid

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Speaker 3: of your after pay or I never use it. I

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Speaker 3: literally just said it is such a bad tool if

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Speaker 3: you're bad at money, but if you can use it

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Speaker 3: as a great tool, sometimes it's great for cash flow.

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Speaker 3: In your situation, it sounds like it was something that

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Speaker 3: really helped you through a time where you actually needed

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Speaker 3: a bit of extra money.

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Speaker 2: Yeah, it was essential. But I do I see so

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Speaker 2: many people on your group and they're always like, oh,

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Speaker 2: my money goal has been and I achieved this by

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Speaker 2: getting rid of after pay, And I think for me,

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Speaker 2: I'm very lucky to have had it, and in the

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Speaker 2: past we've always used it because we haven't had savings,

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Speaker 2: so we always just put it into our budget for payday.

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Speaker 3: I think it's a really lucky position to mean that

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Speaker 3: you don't have to use it anymore, but knowing that

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Speaker 3: the option is there should you ever need it, and

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Speaker 3: you can use it responsibly. I think that's great. On

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Speaker 3: the flip side of that question, what is your worst

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Speaker 3: money habit?

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Speaker 2: Ooh, confession time. So I work night and my husband

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Speaker 2: doesn't cook, So even though I plan to meal crips,

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Speaker 2: I never end up having time because I must stay

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Speaker 2: at home un during the day and then I work

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Speaker 2: at night, so when it's super late and I get home,

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Speaker 2: it's always just takeaways to get us fit. But since

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Speaker 2: twenty twenty one has started, I've cooked every meal and

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Speaker 2: I've done well so far.

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Speaker 3: Hey, that is epic. That is actually epic. I'm really

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Speaker 3: excited to hear that, because that's that's not a small fee.

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Speaker 1: I also empathize with you working weird hours because when

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Speaker 1: you and your partner have meals at different times, it

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Speaker 1: actually throws off everything with shopping and cooking meals and

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Speaker 1: trying to plan ahead, and it's a really tough situation.

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Speaker 1: So hopefully the good twenty twenty one have it continues.

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Speaker 1: I've got my fingers cross.

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Speaker 2: And then two year olds it's fussy.

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Speaker 3: Oh no, that adds even more complexity. All right. So

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Speaker 3: last and final question, if I forced you to give

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Speaker 3: yourself a grade, what would you give yourself?

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Speaker 2: Okay, So in New Zealand we don't do grades like that,

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Speaker 2: but I've talked to my Australian family and we've come

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Speaker 2: up with a minus.

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Speaker 3: Oh my god, minus? Okay, be minus sounds reasonable.

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Speaker 2: I don't know if it was the e but I

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Speaker 2: have room for improvements. But I'm willing to learn.

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Speaker 3: Okay, you're going to have to help me here. We

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Speaker 3: actually have a lot of Kiwi listeners. What in Kiwi

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Speaker 3: world would you have grade as yourself? Oh, profession proficient?

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Speaker 1: I don't even know. Can I just say a lockdown Kiwi?

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Speaker 1: This makes so much sense because we have a lot

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Speaker 1: of New Zealand listeners. And when I've done money dies

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Speaker 1: with people from New Zealand, I always get to this

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Speaker 1: question and kind of have to explain it. And I'm

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Speaker 1: always sitting in my office going like, why don't they

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Speaker 1: understand this? And no, one ever said, Oh, we don't

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Speaker 1: have that grading system in New Zealand.

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Speaker 2: Oh no, we don't. We always all.

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Speaker 1: Right, if I was weird or awkward to any other

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Speaker 1: Kiwi Money diaries over the last six months, this is why.

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Speaker 3: Sorry, what are the other grades? There's proficient and what

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Speaker 3: sits around that?

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Speaker 2: Basic is obviously like.

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Speaker 3: And magine being called basic by your country.

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Speaker 2: Yeah, basic procession advanced. We can go up to like

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Speaker 2: the one hundred percent months, so we do percentages.

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Speaker 3: Oh okay, all right, well I want to be called basic.

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Speaker 1: Thanks you, exam guys, Ryan, you are basic. Lockdown keyw

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Speaker 1: We have lots of questions that we'll get to, but

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Speaker 1: first we just need to take this quick break for

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Speaker 1: our sponsors. All Right, we've just heard all the details

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Speaker 1: from the lockdown Kiwi who's still on the phone, Thank

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Speaker 1: you so much for joining us. Thank you first of all,

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Speaker 1: as someone who lives in Melbourne, grew up in Melbourne

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Speaker 1: and is a proud Melbourne and I actually hate that

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Speaker 1: you moved here this year because I'm like, oh, don't

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Speaker 1: don't hate my town, because it's been really cool, I promise.

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Speaker 1: So my first question is did you ever kind of

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Speaker 1: regret moving here? Because New Zealand's had such a great

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Speaker 1: run with COVID and Melbourne really hasn't.

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Speaker 2: Just Senda, I don't love her. What she did for

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Speaker 2: New Zealand back home was incredible. However, I just haven't

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Speaker 2: had a chance to see Melbourne. Obviously we had the

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Speaker 2: five kay limit and then we had the twenty five klamit.

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Speaker 2: It's been really scary. My daughter's not old enough to

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Speaker 2: wear a mask, nor will she wear one. Taking her

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Speaker 2: out of the house was always hard. We haven't been

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Speaker 2: able to experience anything. But it's given me more time

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Speaker 2: to clean around the house and listen to the podcast.

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Speaker 3: That's okay, I'm not mad about that, but I am

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Speaker 3: a little bit upset for you because there is so

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Speaker 3: much here that there is to see, and I'm sure

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Speaker 3: you'd be able to see it soon. I think I

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Speaker 3: would really like to understand, like, if other people are

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Speaker 3: going through this situation and you've obviously kind of come

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Speaker 3: out the other side in a way, and you did

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Speaker 3: find employment and you have got some nice savings in

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Speaker 3: your account, Now, what advice would you give them?

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Speaker 2: So I have this calculus which is like dyslexia but

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Speaker 2: with money, and I always had this mindset with my

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Speaker 2: husband leads not talk about money because I've only seen

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Speaker 2: arguments come out of it. I think that listening to

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Speaker 2: the podcast, I felt more empowered to take control. I've

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Speaker 2: always been the one paying the bills, but I never

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Speaker 2: understood the value of money. So I think that is

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Speaker 2: always positive to the negatives. Obviously, coronavirus hit everybody in

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Speaker 2: different ways, but we can all say it's been a

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Speaker 2: rough year. I think if you look at the positives

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Speaker 2: and figure out how to readjust yourself so that you

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Speaker 2: can see where your future is and see how you

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Speaker 2: want your life to be. I want my daughter more

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Speaker 2: than anything to have knowledge of money now that I do,

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Speaker 2: and I don't want her money three to be the

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Speaker 2: way that mine was. I should have learned earlier. It

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Speaker 2: should be taught in school. It should be something our

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Speaker 2: parents are able to talk about, and hopefully in the

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Speaker 2: future it's something that we can adjust so that our

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Speaker 2: kids grow up with learning the value of a dollar,

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Speaker 2: learning how to stay, learning where to put money and

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Speaker 2: what they want to do with money, and how it

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Speaker 2: cannot be in control of us. We could be in

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Speaker 2: control of it.

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Speaker 1: Yeah, I love that too. I used to winge about

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Speaker 1: this all the time. And I know money and maths

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Speaker 1: obviously have similarities but a different topics.

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Speaker 3: But it's so different.

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Speaker 1: But how often do you think in high school? When

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Speaker 1: am I going to actually use this stuff? And then

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Speaker 1: you never get taught about what credit card interest is,

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Speaker 1: how to pay your taxes, all this basic stuff that

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Speaker 1: you need, but you learn about algebratic equations and you

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Speaker 1: just think, isn't that time better spent elsewhere on money stuff?

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Speaker 1: Does that annoy you? Doing?

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Speaker 3: Well, I can calculate the circumference of a circle.

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Speaker 1: So and how's that gone for you?

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Speaker 3: Well, I've never used that, but I can do it.

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Speaker 1: Yeah, what's your thoughts on with our lockdown key? We

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Speaker 1: said there that she in her mind associated talking with

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Speaker 1: money with fighting with money. They were the same thing.

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Speaker 1: And is it just a learned experience? Like that's what

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Speaker 1: you see, So that's what you assume has to happen.

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Speaker 3: Yeah, that's a learned experience. I'm assuming that you grew

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Speaker 3: up in a situation where every conversation around money would

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Speaker 3: have elicited an emotional response by the people that we're

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Speaker 3: talking about it, and therefore you have just learned that

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Speaker 3: that's what money does. To people and that's how it works.

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Speaker 3: And I think that that's just an outcome that you

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Speaker 3: see and everybody knows that what you learn, you often

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Speaker 3: learn from your parents. And I was reading a great

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Speaker 3: study the other day actually, and I'll try and link

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Speaker 3: it in our Facebook group, just purely because I think

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Speaker 3: you guys will be interested in it. But money stories

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Speaker 3: and money behaviors are ingrained from the age of seven.

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Speaker 3: Wo that's where we start to get our unconscious biases

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Speaker 3: when it comes to money. And everybody is saying, oh, yeah,

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Speaker 3: why don't you start teaching money to you know, year

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Speaker 3: eleven and twelve students when they're seventeen eighteen about to

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Speaker 3: come into the real world. And it's like, well, no,

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Speaker 3: we actually need to be teaching five and six year

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Speaker 3: olds how money works and you know what a credit

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Speaker 3: card is and why that's not a great option in

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Speaker 3: comparison to cash if you're you know, just doing the

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Speaker 3: daily sh And I think that that would have come

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Speaker 3: from that stage of your life growing up and you

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Speaker 3: just don't notice it.

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Speaker 1: Yeah, so Money Diarist our lockdown, kyw have you unlearned this?

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Speaker 1: Does that make sense? Like last year?

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Speaker 3: Unlearning it?

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Speaker 2: Well, here's the thing. My husband and I we don't

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Speaker 2: fight about money, so it's definitely and grain from me

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Speaker 2: when I was little. I think now that we're able

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Speaker 2: to have the conversation, then we both see where we

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Speaker 2: want our money to go. We both see how much

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Speaker 2: we want to save. And you know, he used to

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Speaker 2: talk to me about money and I used to let

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Speaker 2: it go straight over my head. I used to think, yeah, yeah, sure.

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Speaker 2: But if he says we want to say for a house,

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Speaker 2: and we want to save this much, I think, oh

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Speaker 2: my god, that's never going to happen. Now that I'm

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Speaker 2: starting to understand it myself, knowing that we never thought

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Speaker 2: about it anyway, it wasn't my experience, and that we've

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Speaker 2: continued to have educated conversations and aren't having fights about it,

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Speaker 2: it was never a worry for myself.

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Speaker 3: Would you say that you're on the same page as

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Speaker 3: your partner when it comes to financial goals?

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Speaker 2: A million percent?

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Speaker 1: Yes.

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Speaker 2: I think back in New Zealand, we didn't necessarily have

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Speaker 2: the finances, and when we came over here and used

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Speaker 2: all of our savings, it created a very emotional bond

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Speaker 2: where my money was always oh, how are we going

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Speaker 2: to spend this? We've got savings, but we've got all

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Speaker 2: the stuff to get you know, lockdown. We can't do

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Speaker 2: anything online shopping. We couldn't get the basics for our

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Speaker 2: daughter because everyone was buying everything up online. Oh yeah, yeah,

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Speaker 2: so that was another challenge that had us really hard.

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Speaker 2: But definitely our goals for the future and finding little

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Speaker 2: things that we can get now it's really exciting.

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Speaker 3: I love that, and I think that's really important to

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Speaker 3: note as well, and like I'm going to make some

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Speaker 3: assumptions here that it has potentially brought you and your

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Speaker 3: husband a little bit closer together, which is a really

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Speaker 3: great outcome of sharing money, goals and sharing our finances

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Speaker 3: because it's just a deeper level of understanding one another.

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Speaker 3: And I think that's actually awesome.

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Speaker 1: Definitely, I liked when you said that when you want

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Speaker 1: to buy something, you just take a photo of it.

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Speaker 3: Oh I loved that. I just forgot about that until now.

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Speaker 3: I'm glad you brought that back, because.

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Speaker 1: Yeah, V you often say twenty four hours between you purchase.

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Speaker 1: I feel like there's a lot of different variations of

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Speaker 1: how can I just delay this somehow? So where did

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Speaker 1: you pick up that tip and how well has it

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Speaker 1: been working?

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Speaker 2: For you so far, I always just grazed things off

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Speaker 2: the shelf if I know I need it for my daughter,

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Speaker 2: do the same for my husband. But for me, I've

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Speaker 2: always double thought about things because I've always had the basics.

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Speaker 2: It's the things that aren't.

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Speaker 3: What's the last thing you took a photo of?

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Speaker 1: Yeah, what's I mean? I don't want to say selves.

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Speaker 3: Oh, my photo album, but show me your photo album.

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Speaker 2: It's always going to be camer.

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Speaker 3: I'm actually a bit the same. I'm not going to

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Speaker 3: say that I do that, but I am good at

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Speaker 3: screenshotting things that I think I want so that I

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Speaker 3: think I'll save them for later. And now ninety percent

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Speaker 3: of my camera roll is just screenshots of things I

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Speaker 3: think I wanted in the moment, and I have completely

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Speaker 3: forgotten about.

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Speaker 2: Oh you didn't get them, No.

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Speaker 3: I didn't. I feel like I always screenshot it for later,

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Speaker 3: and I tell myself I'll come back to it, and

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Speaker 3: then I completely forget to come back to it, and

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Speaker 3: I think that's a dead giveaway that I didn't need

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Speaker 3: that thing in the first place.

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Speaker 1: To be honest, do you have any other questions?

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Speaker 3: I don't think so. I'm just really grateful for your story,

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Speaker 3: to be honest, and I think that it's such a

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Speaker 3: good one for us to all learn about. And you know,

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Speaker 3: I love that you've come out the other side of

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Speaker 3: it and you're really setting great financial goals with your partner,

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Speaker 3: and that your daughter is going to learn about money,

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Speaker 3: and I just I love the impact that she's on

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Speaker 3: the money has had on you, but also just that

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Speaker 3: it seems to be extending to a completely different generation now,

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Speaker 3: which is awesome.

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Speaker 2: And I've definitely told my mum, you know, she's like, oh,

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Speaker 2: how do I get an up there that's on the

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Speaker 2: boat And she'll always say, what is this mean, Ashley.

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Speaker 3: Like, I don't know, let me read it. What are

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Speaker 3: you talking about?

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Speaker 1: Yeah, now that your partner's got a new job and

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Speaker 1: you guys are on your feet, we'd love to give

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Speaker 1: you the budgeting and cash Flow master class as well,

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Speaker 1: because I think it's at the start of a new year,

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Speaker 1: new job, it's a great time to set yourselves up

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Speaker 1: and see where you can get to in the next

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Speaker 1: twelve months, twenty four months, few years. So we'd love

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Speaker 1: to send you that for free as well.

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Speaker 3: Really, of course, I know that you guys absolutely deserve it,

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Speaker 3: and I think it'll put you in a position where

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Speaker 3: you feel even more in control of your money. And

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Speaker 3: I think that, you know, I'd just be excited for

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Speaker 3: you to do.

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Speaker 2: It, to be honest, definitely learning some tips of how

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Speaker 2: other people say. I've heard that people use percentages of

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Speaker 2: your pay and stuff like that. I'm using the templates

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Speaker 2: at the moment, so I know that's easier for me.

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Speaker 2: I have it right above my light switch. I always

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Speaker 2: highlight it and I never take it out of this

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Speaker 2: saving if you're highlighted it, why would you want to thank?

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Speaker 2: Oh my gosh, but I've spent that, so why do so?

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Speaker 2: Oh my gosh, more tips, more knowledge? Oh I can't wait?

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Speaker 1: Would you? I feel like we need to just keep

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Speaker 1: your number for you to be the poster girl and

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Speaker 1: read the ad for the core especially.

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Speaker 3: You're going to be the She's on the money post

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Speaker 3: a girl.

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Speaker 2: Absolutely all right.

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Speaker 3: Well, thank you so so much for joining us. I

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Speaker 3: am really grateful for your story and I'm so glad

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Speaker 3: that you are a part of our community.

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Speaker 2: Thank you so much.