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

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

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

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

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

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

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

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

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Speaker 1: today and lasting impact for tomorrow.

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Speaker 2: Let's get into it.

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

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Speaker 2: Hello, and welcome to She's on the Money the.

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Speaker 4: Podcast are millennials who want financial freedom. Welcome back to

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Speaker 4: another one of our money diaries where I get the

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Speaker 4: privilege of talking to one of our beautiful She's on

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Speaker 4: the Money community members all about their journey. Let's jump

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Speaker 4: straight into it, because this week I got a message

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Speaker 4: and it went like this Hive. I came to Australia

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Speaker 4: from the Philippines on a student visa almost thirteen years ago.

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Speaker 4: I was a struggling student who worked odd jobs to

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Speaker 4: support my studies.

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Speaker 2: And cost of living here.

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Speaker 4: I had some pretty traumatizing experiences that made me almost

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Speaker 4: want to go back home. However, I was firm that

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Speaker 4: I wanted to make Australia my home. Fast forward to today,

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Speaker 4: I'm an Australian citizen who earns between one hundred and

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Speaker 4: eighty and two hundred thousand dollars a year plus super

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Speaker 4: works as a travel nurse all over the country and

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Speaker 4: is now working towards my fourth investment property. I also

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Speaker 4: have managed to bring my sister here, who's now a

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Speaker 4: citizen herself, as well as my nineteen year old brother

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Speaker 4: money diarist.

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Speaker 5: What I feel like crying here is that.

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Speaker 4: Wow, I'm just so impressed. Is your family like super

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Speaker 4: proud of you?

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Speaker 5: I think? So? Yah?

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Speaker 2: What do you mean you think so? I absolutely know so.

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Speaker 4: That is crazy to me to go from being in

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Speaker 4: the Philippines knowing what the average salary is like, wanting

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Speaker 4: a better life, having gone through some traumatic experiences, and

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Speaker 4: now going, you know what, I earn between one hundred

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Speaker 4: and eighty and two hundred grand.

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Speaker 2: All by myself, Like, are you joking? I'm so proud

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Speaker 2: of you. Can we learn a little bit more about this,

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Speaker 2: Let's do a money diary.

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Speaker 5: Oh, I'm actually very nervous.

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Speaker 2: Oh, don't be nervous. I promise I don't buy it.

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Speaker 2: Let's jump into it.

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Speaker 4: The first question I always ask our money diarists, what

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Speaker 4: grade would you give your money habits from an A

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Speaker 4: through to an F.

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Speaker 5: I've been thinking about this a lot. I think I

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Speaker 5: want to give myself a B plus.

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Speaker 2: A B plus.

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Speaker 4: All right, let's learn more about that, because I already

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Speaker 4: know I don't agree.

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Speaker 2: But that is Okay, money diarist, tell me.

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Speaker 4: A little bit more about your upbringing and your money story.

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Speaker 5: Okay, So I'm the second eldest of six kids. I

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Speaker 5: think we are from a middle income family. My parents

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Speaker 5: own a meat shop, and whilst I know they were

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Speaker 5: earning good money for Philipino standards, my dad is a

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Speaker 5: chronic gambler.

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Speaker 4: No.

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Speaker 5: Yeah, for almost four decades of their married life, Like,

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Speaker 5: I've witnessed them fighting over money, and I've witnessed my

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Speaker 5: parents telling at least nine properties to pay for my

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Speaker 5: dad's debts. My dad is a good guy, but it's

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Speaker 5: just as an addiction.

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Speaker 4: I like that you preface that because I think sometimes

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Speaker 4: when you talk about addiction, people automatically go that's an

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Speaker 4: awful thing.

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Speaker 2: That's a bad person trait.

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Speaker 4: It's not like people who have addictions are just people

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Speaker 4: with addictions, Like they can be the kindest, best human

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Speaker 4: beings in the entire world, and they're struggling with something

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Speaker 4: and need support.

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Speaker 2: So that must be really hard on your family, very hard.

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Speaker 5: Growing up. I've seen how my mom has weathered all

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Speaker 5: the storm. She was really good with money. I knew

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Speaker 5: that we had the money to buy things, but we

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Speaker 5: grew up not forgetting what we want. I remember going

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Speaker 5: to Thistroy store and I wouldn't say a word because

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Speaker 5: I know what my mom would say, Oh, we don't

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Speaker 5: have the money to buy that, although I knew that

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Speaker 5: they had the money. But thinking of it, if my

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Speaker 5: mom wasn't like that, we probably would have not graduated.

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Speaker 5: Because in the Philippines, going to UNI it's not free.

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Speaker 5: If you have any medical problems, if you get hospitalized,

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Speaker 5: it's not free. We don't have those subsidies. So my

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Speaker 5: parents has wheathered all the storms. In now she start

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Speaker 5: four professionals. Once an orthodontist and then I'm a nurse,

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Speaker 5: and then a medical laboratory science and another one's a doctor.

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Speaker 2: Oh my god, she must be so proud of all

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Speaker 2: of her babies.

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Speaker 5: I'm so proud of my mom, Like, yeah, she's my inspiration.

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Speaker 2: I love her.

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Speaker 4: What a woman like, especially to go through that for

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Speaker 4: literally four decades and to still be like, no, I'm

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Speaker 4: supporting my family.

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Speaker 2: We're going to get here. I need to be the

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Speaker 2: strong one, like, uh, women acquaens, aren't they?

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Speaker 5: Yeah? And she was the one who pushed me to

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Speaker 5: go to Australia. So to give you a bit of

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Speaker 5: a background, So I'm a registered nurse back in my country,

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Speaker 5: but at that time, there were so many nursing graduates

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Speaker 5: and there wasn't enough work for us. What's happening before

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Speaker 5: was we would go and be forced. Did you volunteer

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Speaker 5: work so unpaid labor so that we could get experienced

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Speaker 5: because my ultimate goal at the time was to get

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Speaker 5: out of my country.

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Speaker 2: Yeah.

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Speaker 5: Wow, Like a registered nurse probably will get paid less

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Speaker 5: than three hundred dollars a month.

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Speaker 2: My god, three hundred dollars a month for such a

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Speaker 2: critical role. That is so unfair. Absolutely not.

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Speaker 5: I remember I was in my early twenties and I

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Speaker 5: didn't have the money to go for holidays or to

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Speaker 5: buy things and all that, and I would still ask

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Speaker 5: money for my parents. I remember bringing work kilos of

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Speaker 5: meat to sell for my colleagues so I can help,

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Speaker 5: I can lit a bit of fundy.

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Speaker 2: Oh my gosh, how did you source that?

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Speaker 5: Well, my parents have meet shopped.

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Speaker 2: Yeah, yeah, yeah, that's right. I was like, so you're

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Speaker 2: just organizing all of their snacks and dinners as well

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Speaker 2: as doing your work. Oh my gosh.

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Speaker 4: And so tell me more about this journey. Obviously at

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Speaker 4: this point you still hadn't left the Philippines.

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Speaker 5: Yeah. So what my end goal was to go to

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Speaker 5: the US. I did my qualifying exam and passed my

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Speaker 5: it's called MPEx, so I got my license to the US,

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Speaker 5: got a sponsorship for being hard. But then the piece

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Speaker 5: of backlog was so hard and it was taking me

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Speaker 5: ages to go there. I was like, okay, maybe I'll

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Speaker 5: try to Canada, but then I got scammed. No what,

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Speaker 5: My mom gave a lot of money to them and

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Speaker 5: for nothing, and I decided I'll probably go to Saudi Arabia,

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Speaker 5: but my experience at the time wasn't enough, so they

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Speaker 5: rejected me too. So I was really resigned, and she said,

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Speaker 5: why don't you go to Australia on a student visa

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Speaker 5: because I know someone on a student visa and she's

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Speaker 5: actually doing very well. So at the time, I was

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Speaker 5: just feeling resigned, and I just wanted my mom to

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Speaker 5: decide for me. After all, she's the one who's going

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Speaker 5: to give me the money, so I let her decide

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Speaker 5: for my life. So I came here on a student visa,

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Speaker 5: but it was just one year. For you to study here,

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Speaker 5: you needed to show funds how you could afford living

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Speaker 5: here in Australia, and we didn't have enough show money.

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Speaker 5: So it was just one year and I had no

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Speaker 5: idea what I was going to do here in Australia.

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Speaker 5: I knew I couldn't do nursing because to become a

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Speaker 5: nurse year, even though I was already a registered nurse

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Speaker 5: in the Philippine, I had to study again. And I

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Speaker 5: think it's like thirty thousand dollars per semester for two years.

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Speaker 4: Yeah, for international students. It's so insane, it's so ridiculous.

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Speaker 5: Yeah, So there's no way I could be able to

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Speaker 5: afford it. So I've got the cheapest course I could

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Speaker 5: get from the cheapest school that could accept me. Yeah,

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Speaker 5: and I did certificate for Information Technology and I had

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Speaker 5: no plans at the time. I was like thinking, or

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Speaker 5: maybe before my visa ends, I'll find a guy who

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Speaker 5: I fall in love with and give me a bison

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Speaker 5: or something.

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Speaker 2: I love.

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Speaker 4: This planet's gone from I should find a guy to

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Speaker 4: give me a visa to. By the way, I earned

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Speaker 4: two hundred grand on my own and I don't need

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Speaker 4: no man.

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Speaker 2: This is a good story. This is my favorite story.

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Speaker 5: I'm thinking very much single.

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Speaker 2: Now, you're just too intimidating for the men. I I

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Speaker 2: don't know.

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Speaker 5: But anyway, so I had to work on jobs, do

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Speaker 5: house cleaning and babysitting, and I was actually at one

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Speaker 5: point put into a position where my client didn't actually

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Speaker 5: want me to clean and do something else for him. No. Yeah,

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Speaker 5: I was super scared at that time, but thankfully he

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Speaker 5: did not force me. And yeah, I told my sister

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Speaker 5: and I told her not to tell my mom, but

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Speaker 5: she ended up telling my mom. She was asking me

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Speaker 5: to go home, but I was like, I come this

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Speaker 5: way to go home, I'm not going. So I just

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Speaker 5: learned how to be more mindful of accepting jobs and

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Speaker 5: all that, and I made it through. And then I

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Speaker 5: remember I had this client who told me that she

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Speaker 5: had another babysitter who did her bridging program as a nurse. Yeah,

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Speaker 5: and it only took her three months and it was

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Speaker 5: I think thirteen thousand dollars at that time. So that

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Speaker 5: was my aim. I decided, I'll save up for this money,

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Speaker 5: I'll do the bridging course and that happened. And then yeah,

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Speaker 5: fast forward to today, I'm a travel registered nurse who

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Speaker 5: travel solover Australia and yeahs now, this investment properties, I'm

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Speaker 5: still counting.

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Speaker 2: I cannot believe that.

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Speaker 4: And so we ended up being lucky enough to get

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Speaker 4: you in Australia and you're gonna stay here.

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Speaker 5: Oh of course, yes, this is my whole now.

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Speaker 2: So we get to keep you. I love this, and

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Speaker 2: we now have your sister and your nineteen year old brother.

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Speaker 4: I adore this. So let's talk more about money. You

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Speaker 4: obviously mentioned that you're a traveling nurse. We've mentioned what

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Speaker 4: you earn, but can you get into what is a

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Speaker 4: travel nurse and how does the pay system work?

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Speaker 5: Okay, So I've been nursing here in Australia from early

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Speaker 5: twenty thirteen to now you're twenty eighteen. I hit a

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Speaker 5: cross row. I was so stressed out with nursing. I

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Speaker 5: didn't want to do it anymore. I felt like I

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Speaker 5: had compassion for tea, but that's all I knew. I

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Speaker 5: was already doing a senior role, and I decided, before

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Speaker 5: I go nurs I will restart. And I tried doing

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Speaker 5: cosmetic nursing, which I hated. I felt like my hands

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Speaker 5: weren't made for it. So I thought of what do

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Speaker 5: I really like doing and what dools I know how

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Speaker 5: to do? And I really liked traveling a lot. At

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Speaker 5: that time, I was just working and traveling and saving

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Speaker 5: and yeah, and I just google travel nursing and I

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Speaker 5: saw this company based in Brisbane. They interviewed me over

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Speaker 5: the phone, got hired and in two weeks time they

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Speaker 5: said I was applying to foreigner Queensland. Anyways, I was

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Speaker 5: doing short term travel nursing at that time, so they

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Speaker 5: would give me contracts or options where to go and

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Speaker 5: how long I could be there for. I have options

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Speaker 5: to extend as well. They paid for my accommodation, my

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Speaker 5: travel expenses to went from more and the money the

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Speaker 5: rate is a lot higher than a regular nurse, plus

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Speaker 5: you get all the penalties. But here twenty twenty one,

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Speaker 5: I was still with the same company. They actually had

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Speaker 5: a contract with the government for the COVID search and

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Speaker 5: emergency to respond and they talked me into moving from

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Speaker 5: short term to doing the COVID search and that was different,

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Speaker 5: So the pay was higher than the short term travel nursing.

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Speaker 5: And then we get to travel Australia for two weeks

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Speaker 5: to a month in one place and it's all over Australia.

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Speaker 5: And yeah, still I get paid accommodation travel in the

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Speaker 5: cost of living allowance as well, plus the penalty plus

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Speaker 5: super wow. Yeah. I was talking to my colleagues yesterday

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Speaker 5: and we were talking about this and this is like

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Speaker 5: the peak of our career. I would never earn this

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Speaker 5: even if I were as a facility manager and I

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Speaker 5: have less stress.

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Speaker 2: Yeah wow. And you get to see all of Australia

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Speaker 2: and travel and you love that.

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Speaker 5: And we do have downtime as well, so the constant

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Speaker 5: stress is not there, like we get down times and

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Speaker 5: we're able to recuperate and all that. But of course

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Speaker 5: it has its trade offs.

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Speaker 2: Yeah wow. So how often are you actually home?

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Speaker 5: Then that's the truth question, because I don't have a

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Speaker 5: home base now. So from twenty eighteen, I've given up

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Speaker 5: my rent, although my sister and father lives in Sydney.

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Speaker 5: If someone asks me where do you live, I live

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Speaker 5: where I get sent At the moment, I'm living in

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Speaker 5: north like Queensland. In last month, I was living in Victoria.

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Speaker 2: Wow, So do you just live from a suitcase? Because

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Speaker 2: I could not do that, Like I would get so

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Speaker 2: stressed being away from home.

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Speaker 5: I have two suitcases yea, one winter and one summer.

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Speaker 5: So I left my other suitcase at my sister's place.

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Speaker 2: Yeah, of course, but now I try.

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Speaker 5: This with everything in one suitcase, you know, like warm

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Speaker 5: clothes and stuff. Because with my job, you'll never know.

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Speaker 5: You'll be in somewhere really hot, and then next thing

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Speaker 5: you know, you're in Tasmania or you're in Victoria whatsoever.

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Speaker 4: Yeah, absolutely, especially within two weeks of each other. Like

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Speaker 4: it's been reason cold in Victoria and then you go

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Speaker 4: to Queensland and it's like forty degree weather, so like,

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Speaker 4: oh my gosh, I wouldn't know what to do.

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Speaker 2: That's actually so cool.

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Speaker 4: So have you the whole time that you've worked as

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Speaker 4: a travel nurse always earned between one eighty and two

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Speaker 4: hundred thousand or is that something that you've kind of

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Speaker 4: worked up to no.

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Speaker 5: For financial year twenty twenty two, I earned two hundred

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Speaker 5: seventeen thousand. Oh my gosh, yeah, because I was doing

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Speaker 5: a lot of overtimes. Last year I earned one hundred

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Speaker 5: eighty six, but because I went on a lot of holidays.

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Speaker 5: Because if we're on our personal leads, we don't get

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Speaker 5: paid of course. Yeah. Well, prior to the corvid searge,

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Speaker 5: I was earning maybe around one hundred or the most

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Speaker 5: one hundred two thousand, but I was doing a lot

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Speaker 5: of traveling overseas at the time.

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Speaker 2: Yeah.

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Speaker 4: Wow, I feel like you're living the dream. Do you

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Speaker 4: think that that's sustainable? Like will you always be a

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Speaker 4: travel nurse? Or you said before, I am still single,

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Speaker 4: Like do you think that you'll find and someone and

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Speaker 4: settle down and want to, you know, maybe stay in

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Speaker 4: one place.

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Speaker 5: Someone's telling me that with this job you won't be

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Speaker 5: able to find someone. Who take this seriously because I

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Speaker 5: feel like we're in the transient box. So that actually

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Speaker 5: motivates me to make the use of my time now

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Speaker 5: so that i'd be able to have the freedom to

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Speaker 5: do what I want in the future. Because I know

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Speaker 5: that I also do want to have a relationship and

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Speaker 5: maybe a family one day. So I'm not sure if

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Speaker 5: I want to have this year as my last year

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Speaker 5: as a travel nurse, but we'll see at the end

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Speaker 5: of the year. But I won't be definitely doing this forever.

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Speaker 2: Yeah.

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Speaker 4: Wow, we know you own three properties and you're about

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Speaker 4: to buy your fourth. Can you tell me about your

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Speaker 4: money goals, like what are your big money goals at

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Speaker 4: the moment?

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Speaker 2: What are you working towards?

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Speaker 5: Oh, big money goals? So my short term is to

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Speaker 5: get the Ford investment property this year and also top

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Speaker 5: up my super so I could buy my ship investment

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Speaker 5: property through Super this year as well. That's my short

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Speaker 5: term money goal, and then my long term money goal

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Speaker 5: is to be able to live off of the properties

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Speaker 5: and have you know, more freedom, like not exchange my

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Speaker 5: time for money anymore, and do different things.

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Speaker 4: I am shook at how good you are at this,

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Speaker 4: Like I'm just looking at it, going holy moly, Like

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Speaker 4: having come from the Philippines, gone through what you've gone

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Speaker 4: through to now earning what you're earning and knowing how

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Speaker 4: to invest it. I'm just looking at you, going, holy moly,

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Speaker 4: you are so good. I have a lot more questions.

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Speaker 4: Let's go to a really quick break. And on the

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Speaker 4: other side, I want to know about your investment strategy,

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Speaker 4: how you got into your first property, and all of

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Speaker 4: the juicy details around that.

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Speaker 2: So guys don't go anywhere.

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Speaker 4: All right, money diarist, you are absolutely killing it, Like

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Speaker 4: I am so proud of you. We know that you

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Speaker 4: have three properties and you're about to go onto your

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Speaker 4: full Then the next question I want to ask is

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Speaker 4: about investments. So can you take me through the investments.

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Speaker 2: That you own?

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Speaker 4: So what properties do you own? Do you have any

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Speaker 4: other investments? And how on earth did you know how

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Speaker 4: to do this?

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Speaker 5: Yes, okay, so my mom talked me into investing properties,

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Speaker 5: but I was investing in the Philippines. I sold two

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Speaker 5: properties and bought another two.

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Speaker 2: Oh, just a property flipper. You just have millions of properties.

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Speaker 5: No, it's just that I saw it from my mom

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Speaker 5: like whorich comes to words like she could just sell

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Speaker 5: property and build my dad out of trouble.

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Speaker 2: Oh my gosh.

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Speaker 5: So now the Philippines. I have one property that I

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Speaker 5: share with my sister and then I've sold one but

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Speaker 5: she's still paying it off like I sold it to

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Speaker 5: my sister. The other property, I call it my yolo money.

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Speaker 2: Your Yolow money.

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Speaker 5: My Yolow money is the money I got from my

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Speaker 5: properties from the Philippines.

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Speaker 4: Okay, well, I wouldn't be looking at it as like

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Speaker 4: a Yolow money.

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Speaker 2: I would be looking at as well.

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Speaker 4: But you know what, whatever's working for you, it's working

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Speaker 4: for you, beb Yeah.

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Speaker 5: And then here in Australia, so I've got three properties

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Speaker 5: one inch long, one in sinside Victoria in Melbourne, which

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Speaker 5: is just turning over hopefully this month. I was able

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Speaker 5: to see the inspection when I was there, and then

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Speaker 5: the third ones in one ray Wa.

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Speaker 2: Yeah.

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Speaker 5: So I'm currently working in my court. The pre approval

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Speaker 5: was already all good to go, and I have my

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Speaker 5: deposit as well ready, so I'm just waiting for the

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Speaker 5: right property to be presented to me. And then I've

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Speaker 5: got one hundred two thousand dollars in Super?

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Speaker 2: How much in Super? Sorry? Could you repeat that?

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Speaker 5: One hundred and two?

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Speaker 2: You were one hundred and two thousand dollars in Super

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Speaker 2: as well? You are a money queen.

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Speaker 5: I took some money out as well before I knew

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Speaker 5: that I shouldn't be taking money out.

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Speaker 2: Yeah, okay, clearly didn't impact you too negatively.

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Speaker 5: And then I've got shares as well.

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Speaker 2: Of course you do. What are they?

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Speaker 5: I'm not really proud of my shares investing experience, but

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Speaker 5: I've put one hundred k on shares and thirty thousand

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Speaker 5: in crypto, and they're very negative at the moment.

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Speaker 2: Tell me how you picked your shares.

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Speaker 4: One hundred thousand dollars in shares, You must be a

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Speaker 4: savings queen to I have a one hundred grand in

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Speaker 4: super one hundred grand in shares. I mean, I don't

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Speaker 4: love the crypto, but you get what you get, and

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Speaker 4: you don't get upset.

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Speaker 2: You've got so much property.

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Speaker 5: What? Okay? So before I got into property, I wasn't

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00:19:32,359 --> 00:19:36,960
Speaker 5: too shares. Yeah, And someone introduced me to shares, and

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Speaker 5: initially I was picking blue chip stock yep. I was

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Speaker 5: very risk averse. But then I got someone showing me

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Speaker 5: her portfolio and she was like, you should try penny

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Speaker 5: stocks because I'm earning so much from it. Yes, I

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00:19:50,280 --> 00:19:51,879
Speaker 5: have a gambling blood.

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Speaker 4: Yeah, it runs in the family, I get it. Yeah,

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Speaker 4: but this is way more constructive, Like investing is not gambling,

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Speaker 4: so like I feel like we're panneling this properly now.

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Speaker 5: Yeah, But I was more of a gambler. Before when

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Speaker 5: I was doing shares, I was chasing speculative stocks. I

398
00:20:08,760 --> 00:20:11,360
Speaker 5: was going over with the herd and all that. I

399
00:20:11,400 --> 00:20:16,840
Speaker 5: was chasing the thrill of, you know, the volatility. And

400
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Speaker 5: I'm actually not looking at my shares at the moment

401
00:20:19,880 --> 00:20:22,119
Speaker 5: because I'm really not proud of it at the moment.

402
00:20:22,480 --> 00:20:26,720
Speaker 5: But I'm holding it as long as possible and hopefully

403
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Speaker 5: it turns out well. Like my goal is to maybe

404
00:20:30,000 --> 00:20:33,439
Speaker 5: check it one undid years old and see if you know,

405
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Speaker 5: I might could retire from that one.

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Speaker 4: I think with that amount of money in shares and

407
00:20:39,240 --> 00:20:41,840
Speaker 4: in crypto, you should be getting some advice to put

408
00:20:41,920 --> 00:20:43,880
Speaker 4: it together properly, Like don't.

409
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Speaker 2: Bury you ahead until you're fifty. Go get some advice.

410
00:20:46,240 --> 00:20:49,800
Speaker 4: Have it all structured properly, like a financial advisor will,

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00:20:49,880 --> 00:20:53,080
Speaker 4: like rebalance your portfolio properly and make sure you're in

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Speaker 4: the best possible position because that's so much money. No

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Speaker 4: burying our head in the sand. You're too smart for this.

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Speaker 5: I was so that when the market dip, I went

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Speaker 5: into the travel nursing two point zero, so it didn't

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00:21:07,760 --> 00:21:09,680
Speaker 5: really affect me that much because I was earning a

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Speaker 5: lot of money and I wasn't really spending a lot

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Speaker 5: because I don't pay rent at all. So I shifted

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00:21:15,040 --> 00:21:19,760
Speaker 5: my focus from shares to property investing. I came across

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Speaker 5: someone who's got thirteen properties. There are a couple. He

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00:21:24,280 --> 00:21:27,880
Speaker 5: was only thirty seven when he retired, and now it's

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Speaker 5: just focus into mentoring people and sharing his experience. So

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Speaker 5: I learned from him, and from then on I was like, Okay,

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Speaker 5: I probably diversified and put my money into property.

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Speaker 2: Smart girl us So smart.

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Speaker 5: My focus now is just property. But I'm hoping once

427
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Speaker 5: I get my numbers, I'll go back to shares and

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Speaker 5: I'll probably focus on blue chip stocks. And you didn't

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Speaker 5: paying stocks.

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Speaker 4: So yeah, so smart. I want to know a little

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Speaker 4: bit more about your properties. So you have properties in Geelong,

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Speaker 4: Melbourne and Bunbury. And when you say Geelong and Bunbury

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Speaker 4: to me, as an ex financial advisor, I know that

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Speaker 4: they are growth suburbs like Geelong and Bunbury have been

435
00:22:11,400 --> 00:22:15,160
Speaker 4: pinpointed in my mind for a while. There's lots of them,

436
00:22:15,520 --> 00:22:18,040
Speaker 4: but more recently, I feel like a lot of bias

437
00:22:18,119 --> 00:22:21,359
Speaker 4: agents and investors are looking in these areas to buy

438
00:22:21,359 --> 00:22:24,919
Speaker 4: property because they're basically growth corridors. Have you got a

439
00:22:24,920 --> 00:22:28,600
Speaker 4: bias agent? Is someone advising you on where you're purchasing?

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Speaker 5: I do, so I have to Property Portfolio Partners.

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Speaker 4: Yeah wow, how did you find them listening to podcasts?

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Speaker 5: So I got into this company because I have always

443
00:22:39,800 --> 00:22:42,199
Speaker 5: been listening to their podcast because I was trying to

444
00:22:42,280 --> 00:22:46,280
Speaker 5: learn about property investing. I'm like, I don't really want

445
00:22:46,320 --> 00:22:50,640
Speaker 5: to do it myself. I want to utilize someone else's

446
00:22:50,680 --> 00:22:53,080
Speaker 5: expertise and make them most sut you.

447
00:22:53,600 --> 00:22:57,360
Speaker 4: I was asking because I was like, interesting because those

448
00:22:57,520 --> 00:23:01,439
Speaker 4: properties are in locations that I know a growth corridor.

449
00:23:01,480 --> 00:23:03,440
Speaker 2: Is like, where are you getting this information from?

450
00:23:03,480 --> 00:23:03,560
Speaker 5: That?

451
00:23:03,680 --> 00:23:06,199
Speaker 2: Sounds like you've got a bias agent? I love that.

452
00:23:06,280 --> 00:23:08,600
Speaker 2: Have your experiences with them been really good?

453
00:23:09,440 --> 00:23:13,000
Speaker 5: Yeah, it's been really good. So my first one was

454
00:23:13,040 --> 00:23:16,240
Speaker 5: this off the plants, and they do a lot of mentorship.

455
00:23:16,320 --> 00:23:19,359
Speaker 5: I've had a really good experience with them. But my

456
00:23:19,480 --> 00:23:23,760
Speaker 5: strategy now is going for established properties because I don't

457
00:23:23,800 --> 00:23:25,840
Speaker 5: know how long I will be in this job for

458
00:23:26,320 --> 00:23:29,440
Speaker 5: and of course my service ability will be infected once

459
00:23:29,480 --> 00:23:32,720
Speaker 5: I change jobs. So now that I have this powering

460
00:23:32,720 --> 00:23:36,280
Speaker 5: capacity and my income is high, I like you maybe

461
00:23:36,400 --> 00:23:40,040
Speaker 5: fast track it. That's why now I'm to establish properties.

462
00:23:40,200 --> 00:23:41,560
Speaker 5: So that's why I switched to the other.

463
00:23:42,080 --> 00:23:44,159
Speaker 4: Yeah, because you don't have to wait around for the

464
00:23:44,200 --> 00:23:46,679
Speaker 4: property to be built and then have to get the

465
00:23:46,720 --> 00:23:47,480
Speaker 4: loan at the end.

466
00:23:47,600 --> 00:23:51,120
Speaker 2: Like, that's quite smart. Tell me now, how much debt

467
00:23:51,160 --> 00:23:53,639
Speaker 2: are you in and what does that look like?

468
00:23:54,400 --> 00:23:57,760
Speaker 4: A lot look with nearly four properties, I didn't expect

469
00:23:57,800 --> 00:23:58,520
Speaker 4: you to say zero.

470
00:23:58,920 --> 00:24:03,560
Speaker 5: Yeah, so my first one, I have five hundred and

471
00:24:03,600 --> 00:24:07,400
Speaker 5: seventeen thousand on that and I'm paying at six point

472
00:24:07,400 --> 00:24:10,800
Speaker 5: twenty nine percent. But the value of that now is

473
00:24:10,840 --> 00:24:12,480
Speaker 5: around six hundred and sixty thousand.

474
00:24:12,880 --> 00:24:14,000
Speaker 2: Oh, very nice.

475
00:24:14,800 --> 00:24:16,119
Speaker 5: Yeah, and that's renting.

476
00:24:16,160 --> 00:24:17,840
Speaker 2: Now, how long have you had that for?

477
00:24:18,359 --> 00:24:22,000
Speaker 5: Well, I've been renting it at all almost six year now.

478
00:24:22,040 --> 00:24:24,280
Speaker 5: I got it here twenty twenty one. Yep, so I

479
00:24:24,359 --> 00:24:27,240
Speaker 5: started my property investing in Journey twenty twenty one.

480
00:24:27,960 --> 00:24:30,200
Speaker 2: How much are you renting that property out for?

481
00:24:30,520 --> 00:24:34,200
Speaker 5: It's only two thoy twenty six a month. I'm heavily

482
00:24:34,280 --> 00:24:38,240
Speaker 5: negatively geared on this one, but I'm actually very excited

483
00:24:38,320 --> 00:24:40,000
Speaker 5: from tax return time.

484
00:24:39,840 --> 00:24:43,120
Speaker 2: Because yeah, because it will offset your tax. Yeah, yeah, yes,

485
00:24:43,200 --> 00:24:43,800
Speaker 2: smart woman.

486
00:24:43,920 --> 00:24:46,840
Speaker 4: All right, tell me about property number two.

487
00:24:47,359 --> 00:24:50,479
Speaker 5: Property number two, I have a loan of four hundred

488
00:24:50,560 --> 00:24:54,320
Speaker 5: forty nine thousand, four one hundred ninety eight at six

489
00:24:54,400 --> 00:24:59,000
Speaker 5: point ninety nine percent. I haven't actually checked the valuation

490
00:24:59,119 --> 00:25:01,800
Speaker 5: for this one, but when the land settled it was

491
00:25:01,920 --> 00:25:02,920
Speaker 5: up forty thousand.

492
00:25:03,119 --> 00:25:04,439
Speaker 2: Oh my gosh, how good.

493
00:25:05,480 --> 00:25:10,440
Speaker 5: Yeah. I think the comparable sale price is around six

494
00:25:10,520 --> 00:25:13,680
Speaker 5: hundred to six hundred fifty k in that area. So

495
00:25:14,280 --> 00:25:17,239
Speaker 5: this will settle soon. I'm hoping to get a good

496
00:25:17,320 --> 00:25:18,960
Speaker 5: valuation from that one as well.

497
00:25:19,080 --> 00:25:20,040
Speaker 2: Is that one layd out?

498
00:25:20,440 --> 00:25:24,480
Speaker 5: Oh? This one is almost turnover. I've just been there

499
00:25:24,520 --> 00:25:26,120
Speaker 5: for pre inspection last week.

500
00:25:26,320 --> 00:25:28,800
Speaker 4: All right, that's what you said before. Yeah, and what

501
00:25:28,880 --> 00:25:30,520
Speaker 4: do you think you rented out for?

502
00:25:30,920 --> 00:25:32,359
Speaker 5: Hopefully five hundred a week?

503
00:25:32,760 --> 00:25:35,679
Speaker 2: Yeah? Cool. And then property number three.

504
00:25:36,000 --> 00:25:40,520
Speaker 5: Yeah, that's the Bunbury waah, three hundred thirty seven, nine

505
00:25:40,600 --> 00:25:45,080
Speaker 5: hundred fifteen and interest is at six point seventy nine percent.

506
00:25:45,240 --> 00:25:47,480
Speaker 5: And I just had a look and the valuation is

507
00:25:47,600 --> 00:25:52,160
Speaker 5: four hundred thirty four thousand. Wow, this one's the best one.

508
00:25:52,200 --> 00:25:54,639
Speaker 5: I'm renting it out four five hundred a week.

509
00:25:54,920 --> 00:25:58,800
Speaker 2: No you're not. That's actually so good.

510
00:25:59,040 --> 00:26:03,120
Speaker 4: And so the first property that you mentioned is that Geelong, Yeah, Geelong.

511
00:26:03,560 --> 00:26:06,960
Speaker 5: Second is the Inside Melbourne, and then the bundary.

512
00:26:07,119 --> 00:26:09,440
Speaker 4: Wa how exciting, and then you've got a plan to

513
00:26:09,480 --> 00:26:11,360
Speaker 4: purchase another one later in the year.

514
00:26:11,480 --> 00:26:14,920
Speaker 5: Yeah, I'm getting frustrated because so Michael was to get

515
00:26:14,920 --> 00:26:17,640
Speaker 5: that property last year for my birthday, so I had

516
00:26:17,680 --> 00:26:21,200
Speaker 5: it already, but then they said the stock levels right

517
00:26:21,240 --> 00:26:24,399
Speaker 5: now is very low and the competition is really high

518
00:26:24,680 --> 00:26:28,320
Speaker 5: because I'm almost a capacity. So I'm like, I really

519
00:26:28,359 --> 00:26:29,919
Speaker 5: want to get it over and of it because I

520
00:26:29,960 --> 00:26:32,000
Speaker 5: already have the deposits and all that.

521
00:26:32,560 --> 00:26:32,800
Speaker 2: Yeah.

522
00:26:32,840 --> 00:26:36,359
Speaker 4: Wow, So tell me about your savings habits because I

523
00:26:36,359 --> 00:26:38,000
Speaker 4: know you said, oh, I'm a bit of a gambler

524
00:26:38,040 --> 00:26:38,800
Speaker 4: in the share market.

525
00:26:38,840 --> 00:26:39,760
Speaker 2: Like, you can't be that.

526
00:26:39,760 --> 00:26:42,560
Speaker 4: Big of a gambler if you're able to purchase properties, Like,

527
00:26:43,080 --> 00:26:45,119
Speaker 4: what do your savings habits look like?

528
00:26:45,960 --> 00:26:48,960
Speaker 5: Well, when I was doing shares, I was really really bad.

529
00:26:49,080 --> 00:26:52,919
Speaker 5: I would put almost all my pay to shares. I

530
00:26:52,960 --> 00:26:55,640
Speaker 5: even got a credit card, but what the credit card

531
00:26:55,800 --> 00:27:00,159
Speaker 5: was zero persons interests, but I was using it to

532
00:27:00,200 --> 00:27:04,199
Speaker 5: buy shares as well. That's how bad I was. Yeah wow, Yeah,

533
00:27:04,440 --> 00:27:08,000
Speaker 5: But then as soon as I decided to go into property,

534
00:27:08,920 --> 00:27:11,240
Speaker 5: the savings game has gone up.

535
00:27:12,760 --> 00:27:15,080
Speaker 4: A lot of people say that, they say they're not

536
00:27:15,160 --> 00:27:18,840
Speaker 4: amazing with money until they have property, which is kind

537
00:27:18,880 --> 00:27:22,200
Speaker 4: of like forced savings. But it's like, yeah, a double

538
00:27:22,280 --> 00:27:24,879
Speaker 4: edged sword, right, because you have to have some money

539
00:27:24,880 --> 00:27:26,840
Speaker 4: to be able to get into property to begin with.

540
00:27:27,160 --> 00:27:31,320
Speaker 5: Yeah, you're forcing to a lifestyle, but I don't feel

541
00:27:31,320 --> 00:27:35,040
Speaker 5: like I'm actually compromising on my lifestyle because I get

542
00:27:35,080 --> 00:27:38,200
Speaker 5: to travel for free. I have like a one bedroom

543
00:27:38,200 --> 00:27:40,520
Speaker 5: apartment all to my own for free and all that.

544
00:27:40,720 --> 00:27:42,960
Speaker 4: So I love it, And I love your viewpoint. You're

545
00:27:43,000 --> 00:27:45,960
Speaker 4: so positive about all of this and you're just killing it.

546
00:27:46,400 --> 00:27:48,399
Speaker 4: What do you think your best money habit is?

547
00:27:48,680 --> 00:27:50,360
Speaker 5: Of course, I live within my knees.

548
00:27:50,520 --> 00:27:50,760
Speaker 2: Yep.

549
00:27:51,119 --> 00:27:54,280
Speaker 5: I'm not really big on shopping. I don't like branded stocks,

550
00:27:54,880 --> 00:27:57,600
Speaker 5: not that that I have anything against those who likes that,

551
00:27:58,040 --> 00:28:03,440
Speaker 5: but I just don't find happiness in that. I'm for experiences, yeah, fair, Yeah,

552
00:28:03,440 --> 00:28:06,520
Speaker 5: And I also know a lot of hacks, especially when

553
00:28:06,560 --> 00:28:08,680
Speaker 5: it comes to eating out, Like I use apps, it,

554
00:28:08,920 --> 00:28:12,720
Speaker 5: club first, table, the fork, anything that you give me

555
00:28:12,840 --> 00:28:14,600
Speaker 5: discount because I love eating out.

556
00:28:15,160 --> 00:28:18,280
Speaker 4: Yeah, fair, fair, and all of those websites are so

557
00:28:18,520 --> 00:28:20,960
Speaker 4: good at giving you a discount when you eat like

558
00:28:21,000 --> 00:28:23,359
Speaker 4: it just makes it a no brainer, right, you go?

559
00:28:23,400 --> 00:28:25,520
Speaker 2: Why would I go if I'm not getting a discount now.

560
00:28:26,480 --> 00:28:28,600
Speaker 5: Yeah, true, true, I love that.

561
00:28:28,800 --> 00:28:31,080
Speaker 2: So what do you think your worst money habit is?

562
00:28:31,480 --> 00:28:34,920
Speaker 5: Whors money habit? I splurge a lot on my family,

563
00:28:35,359 --> 00:28:38,440
Speaker 5: like I would always shout out dinners and all that,

564
00:28:38,960 --> 00:28:41,720
Speaker 5: and then I've made them come to Australia a few

565
00:28:41,760 --> 00:28:43,880
Speaker 5: times in all expenses staiths.

566
00:28:44,880 --> 00:28:47,560
Speaker 2: But I love that you're treating your family because you

567
00:28:47,680 --> 00:28:48,280
Speaker 2: love them.

568
00:28:48,920 --> 00:28:53,920
Speaker 5: Yeah, but I'm thinking in a financial perspective, my money

569
00:28:53,920 --> 00:28:57,520
Speaker 5: could have gone further if I wasn't really splurging a

570
00:28:57,560 --> 00:28:59,720
Speaker 5: lot on this. But I don't regret it, like it

571
00:28:59,800 --> 00:29:00,600
Speaker 5: makes me happy.

572
00:29:01,120 --> 00:29:04,240
Speaker 2: Yeah. And you said that you like experiences over things anyway,

573
00:29:04,600 --> 00:29:06,720
Speaker 2: and I'm assuming you would love to experience things with

574
00:29:06,760 --> 00:29:07,360
Speaker 2: your family.

575
00:29:08,560 --> 00:29:08,920
Speaker 5: True.

576
00:29:09,080 --> 00:29:10,360
Speaker 2: I don't think that's about it all.

577
00:29:10,440 --> 00:29:13,160
Speaker 4: I really like it, you said at the very start,

578
00:29:13,640 --> 00:29:15,000
Speaker 4: and I scoffed at it.

579
00:29:15,480 --> 00:29:16,560
Speaker 2: You said, I.

580
00:29:16,520 --> 00:29:18,440
Speaker 4: Think my money habits a B plus, and then you

581
00:29:18,480 --> 00:29:22,040
Speaker 4: went on to explain that you not only have three properties,

582
00:29:22,080 --> 00:29:24,560
Speaker 4: you want four, and you're working towards that. At the

583
00:29:24,680 --> 00:29:26,760
Speaker 4: end of the year, you've got one hundred and two

584
00:29:26,800 --> 00:29:29,320
Speaker 4: grand in super You've got one hundred grand of shares,

585
00:29:29,400 --> 00:29:30,560
Speaker 4: thirty thousand dollars.

586
00:29:30,400 --> 00:29:31,160
Speaker 2: Worth of crypto.

587
00:29:31,600 --> 00:29:34,760
Speaker 4: You've got all these properties lined up, like you have

588
00:29:34,880 --> 00:29:37,240
Speaker 4: your head screwed on and you're so positive.

589
00:29:37,720 --> 00:29:41,000
Speaker 2: Why do you think you're a B plus and what

590
00:29:41,120 --> 00:29:43,360
Speaker 2: would make you an A plus?

591
00:29:43,760 --> 00:29:44,120
Speaker 4: Okay?

592
00:29:44,560 --> 00:29:48,800
Speaker 5: The thing is, I have been presented with this great

593
00:29:48,880 --> 00:29:52,920
Speaker 5: opportunity to earn money and save money, and I feel

594
00:29:53,000 --> 00:29:57,400
Speaker 5: like if I were an A minus or an A plus,

595
00:29:57,640 --> 00:30:00,200
Speaker 5: I could you have probably bought more proper.

596
00:30:01,000 --> 00:30:07,520
Speaker 4: No, you're way ahead of all of us.

597
00:30:08,520 --> 00:30:10,280
Speaker 5: I don't know. That's just what I'm thinking. It's like

598
00:30:10,760 --> 00:30:16,920
Speaker 5: I've had a massive opportunity cost loss with my shares

599
00:30:17,040 --> 00:30:21,360
Speaker 5: because I wasn't really thinking properly. I was emotionally investing in.

600
00:30:21,480 --> 00:30:25,800
Speaker 4: If I wasn't, you were learning, I'm learning, Yeah, give

601
00:30:25,840 --> 00:30:29,000
Speaker 4: yourself a little bit more credit. People are listening to

602
00:30:29,040 --> 00:30:33,360
Speaker 4: this going, oh my gosh, she's incredible, Like this level

603
00:30:33,360 --> 00:30:36,640
Speaker 4: of financial literacy you've given yourself and taught yourself, and

604
00:30:36,640 --> 00:30:39,160
Speaker 4: you're still being generous to your family to bring them

605
00:30:39,200 --> 00:30:42,040
Speaker 4: over and just give them their best lives. Like, oh

606
00:30:42,120 --> 00:30:44,040
Speaker 4: my gosh, you're an A plus to me. Like, I'm

607
00:30:44,080 --> 00:30:46,240
Speaker 4: not gonna argue with you if you've got more to achieve.

608
00:30:46,320 --> 00:30:47,800
Speaker 4: But at the end of the day. I think you're

609
00:30:47,880 --> 00:30:48,720
Speaker 4: so impressive.

610
00:30:49,360 --> 00:30:52,960
Speaker 5: I think I consider myself as ape us. If I

611
00:30:53,080 --> 00:30:57,440
Speaker 5: no longer trade money with time, like if I have

612
00:30:57,680 --> 00:31:00,160
Speaker 5: the financial.

613
00:30:59,720 --> 00:31:03,080
Speaker 2: Free, Yeah, that would be very sexy. I like it.

614
00:31:03,200 --> 00:31:06,920
Speaker 5: Yeah, my goal is to semi retires forty. I'm not

615
00:31:06,960 --> 00:31:09,720
Speaker 5: sure if I'd be able to get it, but yeah,

616
00:31:10,160 --> 00:31:11,160
Speaker 5: I think I'm on track.

617
00:31:11,720 --> 00:31:15,320
Speaker 4: Oh my gosh, I'm so proud of you, Money Diarist. Unfortunately,

618
00:31:15,400 --> 00:31:17,720
Speaker 4: that is all we have time for today. It has

619
00:31:17,800 --> 00:31:20,720
Speaker 4: been beautiful getting to know you and learning a bit

620
00:31:20,760 --> 00:31:22,840
Speaker 4: more about your story, and you've been so generous with

621
00:31:22,920 --> 00:31:25,120
Speaker 4: your time, but also just how open you've been.

622
00:31:25,560 --> 00:31:27,240
Speaker 2: Thank you so much for sharing.

623
00:31:28,000 --> 00:31:30,240
Speaker 5: Oh, thank you so much. Like you've been a great

624
00:31:30,280 --> 00:31:33,280
Speaker 5: instrument to this. I've been listening to your podcast and

625
00:31:33,320 --> 00:31:36,120
Speaker 5: I've read your books, and yeah.

626
00:31:35,480 --> 00:31:39,560
Speaker 2: You are so kind. Oh my gosh, I love it.

627
00:31:39,680 --> 00:31:41,360
Speaker 2: Thank you, I really appreciate it.

628
00:31:41,400 --> 00:31:42,320
Speaker 5: Thank you for having me.

629
00:31:48,400 --> 00:31:51,000
Speaker 4: The advice shared on She's on the Money is generally

630
00:31:51,160 --> 00:31:54,960
Speaker 4: nature and does not consider your individual circumstances. She's on

631
00:31:55,000 --> 00:31:58,520
Speaker 4: the Money exists purely for educational purposes and should not

632
00:31:58,560 --> 00:31:59,360
Speaker 4: be relied.

633
00:31:59,120 --> 00:32:01,560
Speaker 2: Upon to make an invent mean all financial decision.

634
00:32:01,920 --> 00:32:04,400
Speaker 4: If you do choose to buy a financial product, read

635
00:32:04,400 --> 00:32:08,560
Speaker 4: the PDS TMD and obtain appropriate financial advice tailored towards

636
00:32:08,600 --> 00:32:11,880
Speaker 4: your needs. Victoria Divine and She's on the Money are

637
00:32:11,920 --> 00:32:15,520
Speaker 4: authorized representatives of Money sheerper p t y lt D.

638
00:32:15,760 --> 00:32:18,560
Speaker 4: A b N three two one six four nine two

639
00:32:18,600 --> 00:32:22,240
Speaker 4: seven seven zero eight AFS L four five one two

640
00:32:22,280 --> 00:32:23,600
Speaker 4: eight nine