Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr
Speaker 1: the Order Kerni Whaltbury and a waddery woman. And before
Speaker 1: we get started on She's on the Money podcast, I
Speaker 1: would like to acknowledge the traditional custodians of the land
Speaker 1: of which this podcast is recorded on a wondery country,
Speaker 1: acknowledging the elders, the ancestors and the next generation coming
Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
Speaker 1: and the storytelling of you to make a difference for
Speaker 1: today and lasting impactful tomorrow.
Speaker 2: Let's get into it.
Speaker 3: She's on the Money, She's on the Money.
Speaker 4: Hello, and welcome to She's on the Money, the cast
Speaker 4: for millennials who want financial freedom. Welcome back to another
Speaker 4: one of our money Darius, where I get the absolute
Speaker 4: pleasure of talking to one of our incredible Shees on
Speaker 4: the Money community members all about their journey. Let's jump
Speaker 4: straight into it, because this week we got a message
Speaker 4: and it went just like this. Hi, She's on the Money.
Speaker 4: I'm thirty nine, a full time public servant. And here's
Speaker 4: the twist. My worst financial habit is also my other job.
Speaker 4: I'm a comedian and with all the costs involved. Sometimes
Speaker 4: I'm actually paying to make people laugh. Growing up in
Speaker 4: a low income area in WA, money management wasn't something
Speaker 4: we focused on. For fifteen years, I carried debt, but
Speaker 4: last year, with the help of Victoria's Shared Equity program,
Speaker 4: I bought my first one. Theedderom Apartment comedy has been
Speaker 4: my passion, but it's no small expense. Between publicists, show registrations,
Speaker 4: and venue costs, most gigs leave me in the red. Still,
Speaker 4: I'm determined to make it work, and despite the financial rollercoaster,
Speaker 4: I wouldn't trade this journey for anything. Oh my gosh,
Speaker 4: Money Diarist a literal rollercoaster from I'm a full time
Speaker 4: public servant, but I'm a funny one is really fun.
Speaker 2: I got a few hats, It's true.
Speaker 4: I like it all right before we dive into it.
Speaker 4: What grade would you give your money habits if I
Speaker 4: asked you to give them a grade from A through
Speaker 4: to F.
Speaker 2: I feel like, you know, I love the podcast, and
Speaker 2: I feel like people always get to this, Like they
Speaker 2: start off and they'll be like, oh, I'm a D
Speaker 2: minus and then get halfway through and they'll be like, oh,
Speaker 2: I've been investing since I was in the womb.
Speaker 4: Yeah, and Mike, excuse me, Like, and I'm going to
Speaker 4: call you out too, so like, tell me what you
Speaker 4: feel you are and we won't argue now, but we
Speaker 4: can do that later.
Speaker 3: Yeah.
Speaker 2: Well, I mean, look, I'm giving myself a C plus
Speaker 2: a C plus okay, and I'm probably gonna stand by that,
Speaker 2: but we'll see.
Speaker 4: All right, Well we can learn more about that. I
Speaker 4: feel like everyone has a journey and sometimes I don't
Speaker 4: want to argue with people either, So let's dive into it.
Speaker 4: Can you tell me a bit more about your money story?
Speaker 2: Yeah, So I grew up on a bushblock outside of
Speaker 2: a small town in southern Wa on the coast. My
Speaker 2: parents didn't go to UNI, or I think they did,
Speaker 2: and then sort of got the free Whitlam Union and
Speaker 2: then dropped out in their first year. They did mostly
Speaker 2: blue collar jobs. When I was a kid, we owned
Speaker 2: our property, but it like it was. I think the
Speaker 2: reason they moved down there from Perth was because it
Speaker 2: was all they could afford. I think the place was
Speaker 2: forty thousand dollars in the eighties, a ten acre block,
Speaker 2: beautiful block, wow.
Speaker 4: For forty grand And I mean obviously money changes but
Speaker 4: like that just feels wild, doesn't it.
Speaker 2: There were a couple of catches, Like the house didn't
Speaker 2: have a bathroom when we moved in.
Speaker 4: We don't need a bathroom, It's fine.
Speaker 2: Yeah we had a paddock.
Speaker 4: Yeah, exactly, go outside the sheep do We just.
Speaker 2: Had a bucket and bush situation for a couple of years.
Speaker 4: You didn't even need the bucket.
Speaker 2: No, we dug a whole lot of the time. And
Speaker 2: then they built a bathroom, so we were on the up.
Speaker 4: Okay, fancy pants.
Speaker 2: Yeah, they're both from you know, fairly chaotic backgrounds. But
Speaker 2: I mean we had a lovely childhood. I don't think
Speaker 2: it took me a while to figure out that we
Speaker 2: were poor, honestly.
Speaker 4: But that's the best way, right. It's all about mindset,
Speaker 4: Like you might not have heaps of cash, but it's
Speaker 4: about the experiences and mindset. And your parents clearly did
Speaker 4: it well.
Speaker 2: Yeah, And we were just living such different lives to
Speaker 2: the kids I went to school with anyway, you know,
Speaker 2: living out of town and this sort of feral life
Speaker 2: with just animals in the house. We raised maybe kangaroos.
Speaker 2: We had you know, a pet possum, Like.
Speaker 4: It was all wash you were living my dream life.
Speaker 2: Yeah, it was very cute, and yeah, we didn't have
Speaker 2: much money, but we grew our own food, so because
Speaker 2: I think that's how you really feel it is when
Speaker 2: there's not enough food on the table. But we always
Speaker 2: had you know, vegetables and meat from the neighbors and stuff. Yeah,
Speaker 2: so it was a pretty simple life. I didn't really
Speaker 2: have any new clothes or anything really wholesome.
Speaker 4: Though it sounds like you had a beautiful child.
Speaker 2: Yeah, it was sweet. And you know, my parents have
Speaker 2: always been pretty make hay while the sun shines with money,
Speaker 2: I'd say, you know, I think their attitude was always
Speaker 2: that it's just there to be spent on living a
Speaker 2: good life. And they're also very generous people who are
Speaker 2: always helping out friends and family. So yeah, I in
Speaker 2: my twenties, I moved straight to Perth and went to
Speaker 2: UNI and then went immediately overseas for a few years
Speaker 2: and lived and worked as you know, a waitress, bartender,
Speaker 2: that sort of thing, you know, the usual you know,
Speaker 2: England working holiday situation, and then ended up in Berlin
Speaker 2: for a while and then Darwin Front. It was pretty chaotic,
Speaker 2: to be honest.
Speaker 4: That's so fun though, you're like, yeah, so I ended
Speaker 4: up in like England and then also Darwin.
Speaker 2: Yeah, yeah, you know, as you do.
Speaker 4: That's a the natural extension of England.
Speaker 2: Yes, yeah, And I was sort of living hand mouth
Speaker 2: for most of it and slowly getting into that. You know,
Speaker 2: the classic situation of you get given a credit card
Speaker 2: when you're eighteen when you really probably shouldn't. I don't
Speaker 2: know if I would now. I'd like to think they've
Speaker 2: cracked down on lending enough that I probably wouldn't qualify
Speaker 2: if I, like if an eighteen year old in the
Speaker 2: same situation tried it now.
Speaker 4: So they used to send them out like happy eighteenth birthday,
Speaker 4: You now qualify for a credit card. Like I remember
Speaker 4: the day and I was like, sign me up, babe,
Speaker 4: sign me up exactly.
Speaker 2: Yeah, being like a Commonwealth Dolomite kid. Just you know,
Speaker 2: they were like, here's a credit card. I was like, way, hey,
Speaker 2: nine thousand dollars.
Speaker 4: Let's go to money.
Speaker 2: Weing. Yeah, And you know, it's the same old story.
Speaker 2: It just sort of creeps up and creeps up until
Speaker 2: the interest payments are getting to the point where they're
Speaker 2: making it so you can never really get ahead. You
Speaker 2: just sort of paying off your interest. I shudder to
Speaker 2: think how much I must have paid on credit card
Speaker 2: interest over the years.
Speaker 4: We don't have a joke about it.
Speaker 2: That's fine, Yeah, you know in your twenties. Yeah, you
Speaker 2: are very like, well, what am I going to do
Speaker 2: get into my thirties. I don't see that ever happening.
Speaker 4: Yeah, absolutely not ill.
Speaker 2: And then, you know, by the time I was in
Speaker 2: my thirties, ended up living in Melbourne, where I still am,
Speaker 2: and yeah, the debt just really got on top of me.
Speaker 2: I went back to UNI for a few years, and
Speaker 2: I think it was so basically when we entered the pandemic,
Speaker 2: I was I think about ten thousand dollars in debt
Speaker 2: and I was working for a counsel at that point
Speaker 2: on an okay salary, so I could kind of see
Speaker 2: like it was going to be feasible to pay it off.
Speaker 2: It was just going to be a lot of hard work.
Speaker 2: And then I feel the most guilty about how much
Speaker 2: the pandema it helped me out, because I know for
Speaker 2: so many people it was financially ruinous. You know, so
Speaker 2: many businesses didn't make it. For me, it was kind
Speaker 2: of the best thing that ever happened to my money situation.
Speaker 2: I got a slightly better government job that was due
Speaker 2: to start I think six days after the first Melbourne
Speaker 2: lockdown started, so I'd sort of started from my living room.
Speaker 2: But all of a sudden, my salary he had because
Speaker 2: I've gone from local government to state government, so my
Speaker 2: salary jumped up ah like fifteen thousand at least, if
Speaker 2: not twenty. So all of a sudden, I was earning
Speaker 2: more money not able to spend it on anything.
Speaker 4: During I feel like a lot of people benefited from that. Like,
Speaker 4: don't get me wrong, it was horrific, but I feel
Speaker 4: like for a lot of people it taught us a
Speaker 4: lot about what we don't need to spend.
Speaker 2: Yeah. Absolutely, It really like cleans the slate a bit
Speaker 2: and makes you think about, yeah, what you spend your
Speaker 2: money on just sort of reflexively, and what you would
Speaker 2: have been doing and did you even like it that much?
Speaker 4: Yeah?
Speaker 2: Yeah. And also around the same time I had my
Speaker 2: centlink Robodet paid back, I'd had one of the completely
Speaker 2: bow ones years earlier, when I'd basically gone from UNI
Speaker 2: into quite a high paid job immediately, and so I'd
Speaker 2: done half of the year on youth allowance. And then
Speaker 2: half of the year on a pretty decent salary. They
Speaker 2: used income averaging to decide that I wasn't eligible for
Speaker 2: the student payments based on my income, even though at
Speaker 2: the time I was getting the student payments, I hadn't
Speaker 2: had that income yet years of how time works.
Speaker 4: That's why they had to pay it back, isn't it?
Speaker 4: Because that was not the right way to go about things.
Speaker 2: Because apparently I was supposed to be psychic and know
Speaker 2: what my income was going to be for the rest
Speaker 2: of the year.
Speaker 4: Are you not a psychic?
Speaker 2: It turns out I'm not.
Speaker 4: Please get off the show.
Speaker 2: And it was just that classic thing where you know,
Speaker 2: you go to appeal it and they're like, there's no appeal.
Speaker 2: This is done. So I think it was about seven
Speaker 2: thousand dollars and yeah, I was so cranky about it
Speaker 2: that when I heard that there were rumblings of it
Speaker 2: all being overturned, I joined a class action lawsuit and
Speaker 2: I got paid back the full amount and a payout
Speaker 2: as well, which I was happy about.
Speaker 4: A money in.
Speaker 2: Yeah, so this lump sum and then I'm putting away
Speaker 2: money from my job and I paid off the credit card,
Speaker 2: the robodet and the settlement basically paid off my entire
Speaker 2: credit card, and I was like, oh my god, I'm
Speaker 2: at zero for the first time. And I just started
Speaker 2: putting money away and putting money away, and yeah, I
Speaker 2: realized as we sort of came out of it that
Speaker 2: I had enough for a five percent deposit on an apartment,
Speaker 2: which I wouldn't have normally done because it's sort of
Speaker 2: a bit scary to have such a small deposit. I
Speaker 2: just assumed I was going to have to pay mortgage
Speaker 2: lenders insurance. But I was very lucky. I did a
Speaker 2: lot of a lot of research, which is how I
Speaker 2: started listening to this podcast in the first place, just
Speaker 2: listening to every finance podcast I could get my hands on,
Speaker 2: and you know, teaching myself stuff that wasn't really taught
Speaker 2: to me growing up, like you know, how homelands work
Speaker 2: and how property works. And was lucky enough to get
Speaker 2: onto the Victorian government's Shared Equity Scheme, which is a
Speaker 2: five percent deposit scheme where you don't have to pay
Speaker 2: mortgage insurance. It's underwritten by the government, and the government
Speaker 2: also kicks in twenty five percent of the purchase price
Speaker 2: as a lump sum payment, and just sort of sits
Speaker 2: on the title as a co owner of the property
Speaker 2: until you either buy the mail or sell the property,
Speaker 2: which is amazing. And it's basically meant that I was
Speaker 2: able to buy a one bedroom apartment that I really loved,
Speaker 2: just a modest, little seventies old brick place.
Speaker 4: Oh the seventy for the ones are the best. The
Speaker 4: rooms are slightly bigger and the ceiling slightly higher.
Speaker 2: Yes, separate kitchen, there's no on sweet bathroom. It's a
Speaker 2: normal bathroom. Yeah, I really love it. You know. It's
Speaker 2: falling apart in places, but we're fixing her up slowly,
Speaker 2: but she is yours, yes, and she's well insulated. Yeah.
Speaker 2: So it's just basically meant with the shared equity scheme
Speaker 2: that I'm paying, I think my mortgage payments come to
Speaker 2: about twelve or thirteen hundred dollars a month, which I
Speaker 2: would be lucky to rent this apartment for.
Speaker 4: That is so good.
Speaker 2: Yeah, it's incredible.
Speaker 4: You would be coughing that up for rent in Melbourne anyway, exactly,
Speaker 4: if not more, especially on a one bedroom apartment. Can
Speaker 4: you imagine how much that would be each week for
Speaker 4: you on your own, Like you'd be at least two
Speaker 4: grand two grand a month at least, I reckon like
Speaker 4: five hundred bucks a week maybe, ish, I love that
Speaker 4: for you.
Speaker 2: I had to basically share house up until the age
Speaker 2: of I think thirty seven to sort of, you know,
Speaker 2: keep putting that money away and make it work, which
Speaker 2: was you know, you're reaching the end of your tether.
Speaker 4: At that point you're like, look, I just didn't see
Speaker 4: myself here, but now you're in your own property.
Speaker 2: Yeah, yes, so I'm really I'm glad I did stick
Speaker 2: that out. But you know that's I mean, so many
Speaker 2: people have to rent in their thirties and forties now anyway,
Speaker 2: So it's you know, I tried not to be ashamed
Speaker 2: of it.
Speaker 4: No, we're not ashamed of it. But I feel like
Speaker 4: we're allowed to have some expectations for ourselves that weren't met.
Speaker 4: And you can go, oh, I'm a bit disappointed because
Speaker 4: I'd hoped for myself that the reality would be a
Speaker 4: little bit different.
Speaker 2: Yeah, there's just dignity in living alone, I think.
Speaker 4: Yeah, like, and I think that it's a freedom of choice, right, Like,
Speaker 4: I like that you had the choice, but sometimes we go,
Speaker 4: this is just not what I wanted to choose. But
Speaker 4: I can't do anything else about it. And I guess
Speaker 4: that's why I'm so wildly passionate about financial litricy, because
Speaker 4: without financial litriacy, someone in your situation wouldn't have known
Speaker 4: about the Victorian shared equity program and that you could
Speaker 4: purchase and it can be a lot more supported because
Speaker 4: you might have just had your head in the sand
Speaker 4: and been like I'm never going to buy, like this
Speaker 4: is not my journey, like this sucks, and you would
Speaker 4: still be in a sharehouse. Not that there's again shame
Speaker 4: in that, but like that would be the reality without research.
Speaker 2: And most people don't want that, Yeah, exactly. Most people
Speaker 2: want to be living in their own place. So yeah,
Speaker 2: I try, and sort of it's hard because you want
Speaker 2: to sort of tell people. You want to get the
Speaker 2: word out, you know, I talk about it sometimes on
Speaker 2: social media, try and get the word out, you know,
Speaker 2: like this might be possible. You know, I'm single, I
Speaker 2: don't have you know, family money going into this, like
Speaker 2: it was possible for me. But it's also trying to
Speaker 2: be sensitive of you know, the fact that we're like
Speaker 2: in a rental crisis, and just because it's possible for
Speaker 2: me doesn't mean it's possible for everyone, but I am
Speaker 2: sort of trying to get the word out to you know,
Speaker 2: friends in similar situations.
Speaker 4: Oh girlfriend, you're you're preaching to the converted. Like I
Speaker 4: try so hard to tread that line of going like
Speaker 4: I don't want to offend people, but also I need
Speaker 4: to share these facts.
Speaker 2: Because the two friends have been yeah, basically seen it
Speaker 2: and talked to me about it and had the same
Speaker 2: realization of like, oh wow, I actually could do this.
Speaker 4: See that's why we talk about.
Speaker 2: It, yeah, which is really nice. And you know, with
Speaker 2: all the jobs that I've had, I'm pretty good at
Speaker 2: reading contracts because I've done a lot of sort of
Speaker 2: government jobs around councils and building and stuff, so I'm
Speaker 2: pretty good at reading you know, section thirty twos and
Speaker 2: building inspection reports. So I'm always offering to read those
Speaker 2: for people to save money on conveyances and then just
Speaker 2: you know, getting them to get the legalies checked. But
Speaker 2: you know, i'll read their inspection reports. I'll read their
Speaker 2: body corporate AGM note.
Speaker 4: So you and I kind of a friend to have.
Speaker 2: I'll look things up on the work database on the
Speaker 2: slide to make sure that you know the building permits
Speaker 2: are in place and stuff.
Speaker 4: I love that. So tell me, now, what do you
Speaker 4: do for it? And how much money do you earn?
Speaker 2: Yeah? Look, I mean obviously keeping this bit a bit.
Speaker 2: I'm very open about stuff, but I feel.
Speaker 4: Like we can be a little bit sly. We don't
Speaker 4: have to like, I know you've got a government job.
Speaker 4: That might be enough exactly.
Speaker 2: Yeah, let's just say I work for a stake of
Speaker 2: regulatory agency, just sort of doing complaint management, looking into
Speaker 2: lots of stuff and checking out what needs to be regulated.
Speaker 2: I think my base salary I should know this. It's
Speaker 2: somewhere around ninety five. I just did my tax return
Speaker 2: finally yesterday, and I think I think I hit one
Speaker 2: hundred and one on salary last year, but a lot
Speaker 2: of that would have been leaveloading because I use some
Speaker 2: long service leave on top of my annual. So I
Speaker 2: think base salary is somewhere between, you know, ninety five
Speaker 2: and ninety eight.
Speaker 4: I guess how good is that?
Speaker 2: Yeah? I'm happy about that.
Speaker 4: I mean, on the flip side, what are you earning
Speaker 4: for comedy?
Speaker 2: Yeah? So I'm I think of myself as a new comedian.
Speaker 2: I think I've been doing it for nearly eight years now,
Speaker 2: but that is in some ways still kind of new.
Speaker 2: I think until you hit ten years you're sort of
Speaker 2: still figuring it out. So I gig, I guess between
Speaker 2: like two and three times a week.
Speaker 4: Oh my gosh, that's a lot.
Speaker 2: Yeah, very tired. Just pub gigs around the place mostly,
Speaker 2: And I do the Melbourne Comedy Festival every year and
Speaker 2: next year I'm going to expand and do Perth Fringe
Speaker 2: first and then Melbourne.
Speaker 4: That is so fun. And what does comedy pay like
Speaker 4: if you're doing these side gigs, is it like I
Speaker 4: don't know. I feel like a lot of the time
Speaker 4: people will probably say, oh, you have to do these
Speaker 4: free pub gigs to like cut your teeth and like
Speaker 4: get your name out there. But at what point do
Speaker 4: you get paid?
Speaker 2: Yeah, well it's tricky because it's like, you know, obviously
Speaker 2: you don't want to work for free too much, but
Speaker 2: also you are kind of rehearsing on stage as well.
Speaker 2: So I think free gigs and working for free are
Speaker 2: always going to be a part of the process for comedy,
Speaker 2: and I think music and other sort of performing arts
Speaker 2: in a way that they're not for something that you
Speaker 2: can sit and refine in your bedroom, because you know,
Speaker 2: you're sort of taking first drafts on stage and you
Speaker 2: basically just asking the audience is this anything, And you
Speaker 2: don't want to be doing that on a gig where
Speaker 2: you're being paid one hundred dollars to be there.
Speaker 4: Yeah, we're probably not going to do that for the
Speaker 4: first time at a really big paid gig, right yeah. Yeah,
Speaker 4: like it sounded funny in my head, Yeah exactly.
Speaker 2: Yeah, you just go, well, that's nothing that flock. Yeah,
Speaker 2: but that's part of the process failing in public and yees.
Speaker 2: So it's usually I guess the majority of them are
Speaker 2: probably unpaid. The sort of bread and butter working material
Speaker 2: at gigs. Some of them are sort of twenty bucks,
Speaker 2: some of them are two drink cards, some of them
Speaker 2: are more like fifty or there's a good comedy club
Speaker 2: in Melbourne now called Comedy Republic, which is owned by
Speaker 2: comedians and pays its artists well. And so that's I
Speaker 2: think one hundred and fifty dollars for a sort of
Speaker 2: standard ten minute spot, which is about as good as
Speaker 2: it gets at my level. Yeah, but because I'm still
Speaker 2: up and coming, I might only do that, you know,
Speaker 2: twice or three times a year, like just a run
Speaker 2: of three shows every weekend. So that's a little treat sometimes.
Speaker 4: Yeah, that's cool though, that these things exist to support you.
Speaker 2: Yeah, but then the Comedy Festival is an entirely different
Speaker 2: beast that I you know, I think Melbourne people are
Speaker 2: so supportive of the Comedy Festival, which is great, and
Speaker 2: a lot of them take a chance on a you know,
Speaker 2: on up and coming artists and stuff, but they might
Speaker 2: not be aware just how little people are either being
Speaker 2: paid or how much they're effectively paying to be there
Speaker 2: in the end if they're not, you know, a bigger
Speaker 2: artist in a bigger venue.
Speaker 4: Really, what does that look like?
Speaker 2: So registration for a standard show in the Comedy Festival,
Speaker 2: which is usually going to be either ten shows for
Speaker 2: half the festival or you know, more like twenty to
Speaker 2: thirty over the whole festival. Your registrations, I think it's
Speaker 2: I think it's gone over five hundred dollars now or
Speaker 2: it might be what undred and I think it's over
Speaker 2: five hundred now just to register to be involved in
Speaker 2: the festival. So that's just money that you pay to
Speaker 2: the festival to participate.
Speaker 4: Hey, this is your door fee, Yeah.
Speaker 2: Pretty much. And you know, the comedy festivals are largely
Speaker 2: not for profits, are usually incorporated as like not for
Speaker 2: profit arts bodies, so it's not like they're you know,
Speaker 2: they still run at a loss, I think can rely
Speaker 2: on funding.
Speaker 4: But yes, but comedians and artists are usually not for
Speaker 4: profit exactly.
Speaker 2: Yeah, I am also firmly not forfit. So you're paying
Speaker 2: into the festival. For the first place, my venue in
Speaker 2: twenty twenty three was it was a guarantee of fifteen hundred,
Speaker 2: so if you don't make fifteen hundred in ticket sales,
Speaker 2: you'll owe the money. Oh god, it is somewhat achievable.
Speaker 2: That was a thirty nine seed. But I think they
Speaker 2: must have had some funding or something that ran out
Speaker 2: over COVID, because then I had the exact same venue
Speaker 2: this year, and it was three thousand dollars guarantee of
Speaker 2: three thousand. What so, even after they took out their
Speaker 2: guarantee of three thousand and then paid me what was
Speaker 2: left over, I think my payout for the festival was
Speaker 2: like one hundred and fifty dollars or something, and then
Speaker 2: you know the five hundred dollars on top of that,
Speaker 2: and then you know I paid for not many because
Speaker 2: I think they're mostly useless, but I paid for a
Speaker 2: few social media ads. My printing was over one hundred
Speaker 2: dollars for posters and flyers. God what else graphic design? Yeah,
Speaker 2: it just it puts you a well in the hole
Speaker 2: unless you need to be either like selling out every
Speaker 2: night or in a venue sort of probably over about
Speaker 2: seventy five seeds and selling that well. Yeah, and for
Speaker 2: that you usually need some sort of profile, which used
Speaker 2: to just being on the TV, but these days it's
Speaker 2: either being on the TV or big online and I
Speaker 2: am neither.
Speaker 4: And I mean that makes it hard. But that's because
Speaker 4: you said before you're feeling like you're still at the
Speaker 4: start of your journey. What does that look like into
Speaker 4: the future.
Speaker 2: I don't know. I mean I've sort of been thinking
Speaker 2: about that going into another festival and sort of feeling
Speaker 2: like I'm plateaued a little bit. But you're always sort
Speaker 2: of hoping that this will be a year, you know,
Speaker 2: because the smallest thing can change it, like a really
Speaker 2: good review in the Age, Like you'll see people go
Speaker 2: into a festival run with like low ticket sales, get
Speaker 2: a five star review in the Age, and then all
Speaker 2: of a sudden they've sold out. The rest of their.
Speaker 4: Run, or yeah, good as they should.
Speaker 2: An award nomination, or just just buzz in you know,
Speaker 2: like that sort of hard to quantify, everyone's talking about
Speaker 2: the show, sort of buzz that'll sort of bump you
Speaker 2: up a bit.
Speaker 4: Will you let me know when your next show is
Speaker 4: happening and we can share it on She's on the
Speaker 4: Money and hopefully all of the She's on the Money
Speaker 4: community will show up for someone in ow She's on
Speaker 4: the Money community.
Speaker 2: Yeah, I'm always trying to give away, you know, comps
Speaker 2: to people that I think might sort of talk about
Speaker 2: the show.
Speaker 4: We don't want comps. We don't want it for free.
Speaker 4: We pay for our community.
Speaker 2: Well, you know, you can strategically comp and then you know,
Speaker 2: then hope that they'll sort of like post an Instagram
Speaker 2: story or something, because it really does you know, word
Speaker 2: of mouth is the strongest seller I find.
Speaker 4: One hundred percent. One hundred percent. So tell me. We
Speaker 4: know you just bought your one bedroom apartment, which is
Speaker 4: very exciting. What are your big money goals? What are
Speaker 4: you currently working towards.
Speaker 2: I guess my realistic money goal is that I would
Speaker 2: just like to upgrade to a property with a second bedroom,
Speaker 2: small dreams. I'm just I just like a spare room.
Speaker 2: Sort of working from home in my living room at
Speaker 2: the moment because I just don't have a second space
Speaker 2: to put a desk in and it kind of annoys
Speaker 2: me that it takes up some of my living space. Yeah,
Speaker 2: I think just upgrading my property would be a big one.
Speaker 2: And I mean, my more sort of unrealistic goal would
Speaker 2: be that I just love to be able to take
Speaker 2: a chunk of time off work one day and just
Speaker 2: focus on creative stuff for a while. A friend of
Speaker 2: mine went megaviral just before we did a split show
Speaker 2: in twenty twenty two and is now you know, quite
Speaker 2: big online and was able to we used to do
Speaker 2: really similar government jobs, and she was able to basically
Speaker 2: take a year of unpaid leave from that job and
Speaker 2: just tour and you know, make pretty decent money just
Speaker 2: because she's got enough social media following to sort of
Speaker 2: pull a crowd wherever she goes. That is so cool,
Speaker 2: And yeah, I mean, you know, I don't think I'm
Speaker 2: going to go megaviral, but you know, it would just
Speaker 2: be nice to have never say never, you never know,
Speaker 2: just be nice to have enough of like a lump
Speaker 2: of money to just be able to sort of pay
Speaker 2: those expenses and just yeah, like gig and then I
Speaker 2: have to get up for work the next day. You know.
Speaker 2: I had a gig and a dive bar last night
Speaker 2: in Collingwood that was like going pretty okay, and I
Speaker 2: did some new material and then I stayed to watch
Speaker 2: the other acts, and during one of the acts, a
Speaker 2: guy wandered in off the street. It was clearly in
Speaker 2: some form of psychosis and wandered out of the stage,
Speaker 2: tried to fight the comedian. Bar staff had to come
Speaker 2: and get him. I'm downstairs. We got barricaded upstairs for
Speaker 2: a while while he screamed a bunch of walls downstairs.
Speaker 4: Oh my god.
Speaker 2: It's not always a glamorous business.
Speaker 4: No, that doesn't sound like you're not selling it to me.
Speaker 4: At the start, I was like, maybe I could be
Speaker 4: a comedian. I'm not funny, but this might work for me.
Speaker 4: No chance, not that glam I mean, good on you.
Speaker 4: But also I feel like this is such an area
Speaker 4: that needs so much more support. Like we talk about
Speaker 4: creatives and comedians and like, you know, just artists in general.
Speaker 4: They're usually people just like you who have full time,
Speaker 4: very serious jobs who are doing this after hours because
Speaker 4: it's their passion. Whereas I think that when you go
Speaker 4: to like the comedy show, you go, oh, I've never
Speaker 4: heard of this comedian, she must do this all the time.
Speaker 4: I've just never seen her before. No, it's because she's
Speaker 4: at work and you.
Speaker 2: See those people sitting in the crowd and you think, oh, wow,
Speaker 2: look they're selling tickets. They must be doing really well.
Speaker 2: And you're like, oh, actually, And I think, you know,
Speaker 2: we've come a long way in creative industries in terms
Speaker 2: of how we talk about like, you know, diversity and representation,
Speaker 2: which is really good, but I think so much of
Speaker 2: it is focused on like visible representation, you know, like
Speaker 2: representation of people from different groups. But one thing that
Speaker 2: I find is often left out of the conversation is
Speaker 2: like class representation, and you know, diversity of financial backgrounds
Speaker 2: because a lot of the time the people that you
Speaker 2: see who are from diverse backgrounds are also from area
Speaker 2: financially secure backgrounds. And you know, it's not like you
Speaker 2: can sort of buy your way into comedy. So there's
Speaker 2: plenty of things that you can pay for that will
Speaker 2: help you, like a good publicist or you know, ads
Speaker 2: on the side of a tram, all that sort of thing.
Speaker 2: But there's also just those intangibles, like the fact that
Speaker 2: you know a lot of because I'm a bit older
Speaker 2: than a lot of comedians. I started at thirty one,
Speaker 2: and so a lot of my colleagues are in their twenties.
Speaker 2: And you know, you're just going to have an easier
Speaker 2: time of it if your parents have a nice, big
Speaker 2: house with a spare room and you can live at
Speaker 2: home so that you only need to work part time
Speaker 2: or even not work. You know, some of them don't
Speaker 2: work at all because they're families just bankrolling them. And
Speaker 2: you can do six gigs a week because you've got
Speaker 2: the time and the energy, and you don't have to
Speaker 2: be up first thing for a meeting after the gig
Speaker 2: where you got barricaded into a pub.
Speaker 4: Yeah, and you've got to put your big girl pants
Speaker 4: on and be like, oh, yes, very serious business discussion.
Speaker 2: Yes, yes, I'm not hungover. Why would you think that?
Speaker 4: Why would you say that? Don't come here and attack me.
Speaker 2: I needed a couple of wines after the Spicy Man incident.
Speaker 4: Oh mate, I would have needed more than a couple
Speaker 4: of wines. Oh I love this all right, let's go
Speaker 4: to a really quick break on the flint side. I
Speaker 4: want to discuss investing. I want to talk more about
Speaker 4: your debt journey and then your best and worst money habits.
Speaker 4: So guys that don't go anywhere, all right, money drest.
Speaker 4: We are back and you have just purchased your very
Speaker 4: first one bedroom apartment. You already want to upgrade, which
Speaker 4: I totally get. I feel like having a second bedroom
Speaker 4: just gives you more space for activities. But I want
Speaker 4: to know what are your thoughts on investment. What are
Speaker 4: you doing in that space? Is it something you've thought about,
Speaker 4: is it something that you're actively doing? Now? What's your story?
Speaker 2: Yeah, it's definitely something I'd like to do more of.
Speaker 2: I mean, like so many dedicated She's on the money Listers.
Speaker 2: I got myself the Chasy's app after after learning about it.
Speaker 4: And you know, cult is culting.
Speaker 2: Yeah, And I always explain it to people like I
Speaker 2: think you explained it on the show or the person
Speaker 2: from Chazy's, which is that like it's not necessarily a
Speaker 2: way that you're going to make yourself rich, but it's
Speaker 2: a really good way to just teach yourself like how
Speaker 2: it works and just sort of develop tolerance to risks.
Speaker 2: Like I think it was really helpful to sort of
Speaker 2: start during a time when the market was quite volatile.
Speaker 2: You know, put like one hundred dollars on and immediately
Speaker 2: lose half of it and just like realize, oh, that
Speaker 2: feels bad. But if I just wait, its bounces back
Speaker 2: and just realize that, like, yeah, just developed that like
Speaker 2: emotional tolerance to the ups and downs of the market.
Speaker 4: Yeah, and you really need that. I think there's this
Speaker 4: big misconception investing that you need to kind of invest
Speaker 4: your life savings and see what happens. I just can't
Speaker 4: agree with that, Like I just go I wouldn't do
Speaker 4: it because I am a bit risk averse. But at
Speaker 4: the same time, now I have an investment portfolio when
Speaker 4: people will be like, oh my gosh, that's so crazy,
Speaker 4: but it's like from these little things, my confidence has
Speaker 4: grown and I understand how to emotionally respond to these things.
Speaker 4: And I just you need that education. I mean, you
Speaker 4: can make yourself wealthy on an investing platform too, but
Speaker 4: like from the get go, I think if you approach
Speaker 4: it with a I'm going to just give myself the
Speaker 4: financial literacy and I'm going to play around with you know,
Speaker 4: ten bucks or something and see where it goes. That's
Speaker 4: what starts to build wealth.
Speaker 2: Yeah, and so I sort of I built it up
Speaker 2: from my initial you know, I think one hundred I
Speaker 2: just sat there with for a while, and then I
Speaker 2: think I've got about thirty one one hundred in there
Speaker 2: at the moment, mostly just to look at you go. Yeah,
Speaker 2: it just mostly just on ETFs and then a few
Speaker 2: just little random ones because I just wanted to see
Speaker 2: if I could pick a winner.
Speaker 4: I love that because that's very me coded.
Speaker 2: Yeah. So I've got my fun ones that are more
Speaker 2: volatile because I kind of enjoy watching them go all
Speaker 2: over the place. And then most of it's just in
Speaker 2: the ETFs.
Speaker 3: Yeah.
Speaker 4: We call that a core satellite approach. If you want
Speaker 4: to sound really fancy. There you go. So people are
Speaker 4: talking to you, you can be like, yeah, well, actually
Speaker 4: I invest on Chais's and I have a call satellite approach,
Speaker 4: and they'll be like, wow, she knows how shit, I have.
Speaker 2: A strategy exactly.
Speaker 4: That's a legit strategy though.
Speaker 3: Yeah.
Speaker 2: So that's the only real investment that I have because
Speaker 2: apart from that, I have an offset account on my
Speaker 2: mortgage and you know, my very basic version of crunching
Speaker 2: the numbers. That seems to be one of the best
Speaker 2: places to have money. At the moment, I've got I
Speaker 2: think about twenty thousand in my offset. At the moment
Speaker 2: it was more, but I've just had to pay flights,
Speaker 2: regio and publicists for birth So it's a.
Speaker 4: Little yes, but at least you had the money there.
Speaker 4: Otherwise that wouldn't be an option. And I mean, can
Speaker 4: we just flash back a little bit, because you said
Speaker 4: for fifteen years you carried debt, but last year you
Speaker 4: finally purchased your first property. Now you're a property owner.
Speaker 4: You've got like twenty grand in your offset. You just
Speaker 4: paid for a tour, like you've got three one thousand
Speaker 4: is Ish dollars in investing. Be for real. That is
Speaker 4: a glow up.
Speaker 2: Yeah, And that money is also just there, you know,
Speaker 2: because I've only got like, I don't really have insurance
Speaker 2: on my apartment because so much of it's just covered
Speaker 2: by the building insurance, the strata insurance, so it's just
Speaker 2: there in case of pipe bursts and floods, the neighbor
Speaker 2: or you know, we get slept with a building notice
Speaker 2: and have to put a new roof on or something.
Speaker 2: It's just nice to know I've got.
Speaker 4: That got some cash there. I love this. I love
Speaker 4: it so much. Absolutely, tell me about your superannuation. What
Speaker 4: does that look like? Is it something that you focus on.
Speaker 2: I don't think I have that much. I've just looked
Speaker 2: it up on Micah. I've got eighty seven thousand, which
Speaker 2: I'm not sure.
Speaker 4: If you don't think I have that much, has eighty
Speaker 4: seven thousand dollars, that's a good amount.
Speaker 2: Yeah, I'm thirty nine, so I'm not sure if that's
Speaker 2: good or not.
Speaker 4: Yes, but like you've been working your butt off and
Speaker 4: you've got a good amount of super over time that's
Speaker 4: gonna compound. Like this is looking good.
Speaker 2: Yeah. I think I was behind for quite a while,
Speaker 2: just because I spent so much of my twenties either
Speaker 2: overseas or studying or working under the table, and it
Speaker 2: was like a pitiful amount for a while. But yeah,
Speaker 2: I guess I've been doing government jobs for a while.
Speaker 2: But pay a good, good amount of super. Yeah, so
Speaker 2: it's not too bad.
Speaker 4: I love that for you. Talk to me about debt.
Speaker 4: So what type of debt do you currently have on
Speaker 4: this property? And will you ever go into personal debt again.
Speaker 2: So I've got one hundred and ninety or two one
Speaker 2: hundred thousand debt on the property, which isn't too bad
Speaker 2: thanks for the shared equity of the government. The purchase
Speaker 2: price was about three hundred and twenty and so yeah,
Speaker 2: not having that full amount in debt it's nice. I mean,
Speaker 2: you know, it still has to be paid back eventually,
Speaker 2: but it can just be paid back when you sell
Speaker 2: the property. It can just be sort of divvied out,
Speaker 2: which is great. So yeah, I don't mind that debt.
Speaker 2: It is manageable. You know, interest rates touch would probably
Speaker 2: an't going to get much worse. So if I can
Speaker 2: manage it now, I can manage in the future. I
Speaker 2: have a hex debt of I think it's around thirty
Speaker 2: thousand still left, which I know in theory is good debt.
Speaker 2: I actually do kind of regret my hex debt. I
Speaker 2: particularly regret the initial Bachelor of Arts that I got
Speaker 2: in my twenties. I went to UNI when I was
Speaker 2: I think eighteen, and yeah, I kind of do actually
Speaker 2: regret going to UNI. And I would like if I
Speaker 2: was talking to someone in that position and that age now,
Speaker 2: I would tell them to you know, think hard about
Speaker 2: UNI if they're not going for a really specific like
Speaker 2: vocational course, or they couldn't tell you exactly why they're
Speaker 2: getting the degree. And you know, my parents have said
Speaker 2: since that they feel a little guilty that they just
Speaker 2: kind of didn't push me to go to UNI. It
Speaker 2: was something I wanted, but that it didn't occur to
Speaker 2: them to say, you know, are you sure this is
Speaker 2: a good idea because you don't have to do this. Yeah.
Speaker 2: They came from, like, you know, the free UNI generation,
Speaker 2: and it really like friends and I've talked about how
Speaker 2: it was so sold to us as just like, you know,
Speaker 2: just a debt that sits there in the background you
Speaker 2: don't even really have to think about. And then you
Speaker 2: look at how much actually is coming out of your
Speaker 2: salary on your HEX repayments, and you're like, oh, wow,
Speaker 2: I could be living a much easier life if I
Speaker 2: didn't have that.
Speaker 4: Yeah, it's a lot, and I feel like you really
Speaker 4: need to think about it. I think there's this assumption
Speaker 4: that if you go to UNI, you'll automatically do better,
Speaker 4: and that's just not the reality of the situation.
Speaker 2: Yeah, because I'm working you know, administrative clerical jobs or
Speaker 2: sort of things that are bachelor's isn't the worst thing
Speaker 2: for But the way that I got there and in
Speaker 2: my specific field was sort of you know, working up
Speaker 2: the chain of just like crappy call centers all the
Speaker 2: way up to government. And those first jobs I did
Speaker 2: you know that were paying me probably meant less than
Speaker 2: minimum wage awful call centers I worked in. You didn't
Speaker 2: need a degree to work that. You barely needed a
Speaker 2: pulse to work there. You barely had.
Speaker 4: They're like, wow, you show up on time. That is
Speaker 4: going above and.
Speaker 2: Beyonright, yeah, so I actually think I could have gotten
Speaker 2: exactly where I am now without the Bachelor of Arts
Speaker 2: in philosophy.
Speaker 4: Oh yeah, that was very important.
Speaker 2: Right, yeah, So you know, it is what it is.
Speaker 2: You're living your.
Speaker 4: Learn We had fun along the way.
Speaker 2: So it's only those two debts, and no, I will
Speaker 2: not ever go back into personal debt. I keep my
Speaker 2: credit card just because it's handy, but I'm very very
Speaker 2: militant about paying it off every fortnight.
Speaker 4: So very good. All right, Well tell me what is
Speaker 4: your best money habit?
Speaker 2: Well I thought about this because you know, obviously you
Speaker 2: your mind goes to, oh, I'm pretty thrifty, and I
Speaker 2: love a bug and all that sort of thing. And
Speaker 2: I do have some good money habits. I don't buy
Speaker 2: many clothes, you know, I try to cook food and
Speaker 2: not by too much takeaway that sort of thing. But
Speaker 2: I think realistically, my best money habit has just been
Speaker 2: being quite strategic about trying to get where I am
Speaker 2: in my jobs, just to maximize my earning potential because
Speaker 2: I'm not you know, they call me crazy. I'm not
Speaker 2: passionate about you know, government regulation. It doesn't you know,
Speaker 2: fire my soul up or anything. But you know, I
Speaker 2: did make a conscious decision, you know, around the time
Speaker 2: that I started performing and doing improv in theater and
Speaker 2: stuff like that. Yeah, I took what was a little
Speaker 2: pay cut at the time to go from working a
Speaker 2: pretty stressful job at an ombudsman to working at a
Speaker 2: council But because I knew that government would be more
Speaker 2: stable and it's a bit more sort of you know,
Speaker 2: once you're in the door with government, it's usually pretty
Speaker 2: easy to move around.
Speaker 4: So I like to move people around, which they don't
Speaker 4: like to really take on new hires if they don't
Speaker 4: have to.
Speaker 2: Yeah, so I kind of consciously took like a technically
Speaker 2: a step backwards to just do customer service at a council.
Speaker 2: But I was there for five years, and over that
Speaker 2: time I was able to do secondments all over the
Speaker 2: place in the raids department, the building department, and start
Speaker 2: to gather these sort of concrete skills and learn all
Speaker 2: this sort of really specific subject matter, which then enabled
Speaker 2: me to move into state government in related roles because
Speaker 2: I had the subject matter experience. And yeah, so.
Speaker 4: That's cool, that's very cool. You've been strategic about it.
Speaker 2: Yeah, And I think otherwise I don't think i'd be
Speaker 2: on the salary that I'm on now.
Speaker 4: You've got a good salary, and like, that's pretty good.
Speaker 4: So do you enjoy the work that you do now?
Speaker 2: Not really?
Speaker 4: Honestly, Sorry I am, but it's fine.
Speaker 2: You know, it's a choice you make. You know, I
Speaker 2: could probably enjoy something more, but I'd take a pay
Speaker 2: cut of at least twenty thousand, if not more. I've
Speaker 2: got friends who work in jobs that they love and
Speaker 2: they're just not being paid enough.
Speaker 4: Yeah. That really grinds my gear.
Speaker 2: Yeah, And also, like I'm able to work four days
Speaker 2: a week from home, which is invaluable, you know. I
Speaker 2: mean that when I've got a late gig, I can
Speaker 2: just sort of sleep in until two minutes before I start.
Speaker 4: Yeah, yeah, which is honestly necessary if you're running that
Speaker 4: work life balance.
Speaker 1: Yeah.
Speaker 2: I was falling apart before the pandemic, and then you know,
Speaker 2: it was just so nice how I just showed everyone
Speaker 2: that these jobs that they insisted couldn't be done from
Speaker 2: home absolutely could be done from home.
Speaker 4: As it turns out, your employee no longer has an
Speaker 4: excuse to say no, sorry, people are productive from home. Genuinely.
Speaker 4: You put me at home, I'm way more productive because
Speaker 4: I'm not distracted.
Speaker 2: And I'm not as tired because yeah, I was just
Speaker 2: burning the candle at both ends before and now I'm
Speaker 2: just I'm eating better, I'm sleeping better. Yeah, my work
Speaker 2: life balance is it somewhat existent? So yeah, I don't
Speaker 2: love my job, but I appreciate what it brings to
Speaker 2: my life.
Speaker 4: That's good. And I feel like that's refreshing to hear
Speaker 4: as well, because I think so many times people are
Speaker 4: always like, yep, love my job, and that's just not
Speaker 4: relatable for absolutely everybody.
Speaker 2: Yeah, And I think it can be really hard if
Speaker 2: you have this message that like not doing it right,
Speaker 2: if you don't love your job. It's okay. If anything,
Speaker 2: I'm a socialist. I think it's a little perverse to
Speaker 2: you know, love labor, to love love laboring, Uh huh exactly.
Speaker 2: But yeah, and I also enjoy that it's for the government.
Speaker 2: You know, I've worked for some pretty iffy private companies before.
Speaker 4: It's nice to have you done multi level marketing.
Speaker 2: I haven't done multi level marketing, but you know, I've
Speaker 2: done cold calling, I've done you know. You know, all
Speaker 2: of that is fine, nothing I'm ashamed of, but it's
Speaker 2: you know, it's nice to work for a government department
Speaker 2: that has a really clear like function to do good
Speaker 2: for the community.
Speaker 4: No, I think it's good. I think it's good. Let's
Speaker 4: flip it and talk about your worst money habit. What
Speaker 4: do you think that is?
Speaker 2: I mean, it's definitely comedy.
Speaker 4: I mean, not for me, maybe for you.
Speaker 2: I mean, you know, it's just I guess you could
Speaker 2: say it's financially responsible because it's costing me money, but
Speaker 2: also it makes my life worth living. Honestly, I love it.
Speaker 2: I find it creatively fulfilling. Like I had good friends
Speaker 2: before comedy, but just the wonderful freaks I've met doing comedy.
Speaker 4: You found your people, Yeah, and just people from walks.
Speaker 2: Of life that I wouldn't necessarily have met otherwise because
Speaker 2: they're just from all over the place, just united by
Speaker 2: this insane thing that we like to do. So yeah,
Speaker 2: it's I mean, my other bad money habit. I think,
Speaker 2: looking at my bank statement, would have to just be
Speaker 2: drinks out of the house. Alcohol is so expensive and
Speaker 2: bad for you, and it's objective.
Speaker 4: It's actually just not socially acceptable to take a hip
Speaker 4: flusk anymore.
Speaker 2: They frown on it, Yeah, particularly when you're technically working there.
Speaker 4: So yeah, I've heard that.
Speaker 2: I think if I stopped, you know, buying a wine
Speaker 2: at every gig that I was at, I'd probably i'd
Speaker 2: be a millionaire.
Speaker 4: I think they should be giving you a wine at
Speaker 4: every event.
Speaker 2: A lot of gigs are giving you it will give
Speaker 2: you a wine.
Speaker 4: But yeah, I feel like I'd need the wine to
Speaker 4: get on the stage, like it's an investment from them
Speaker 4: into you.
Speaker 2: It does take the edge off, yeah, but also it's
Speaker 2: that classic thing of you just end up socializing in
Speaker 2: pubs and stuff, and boy has that gotten expensive these days.
Speaker 2: I'm trying to now that the weather's going to be nicer.
Speaker 2: I'm trying to do a lot more parkings.
Speaker 4: Yeah, that's fair, that's very fair. Money diarist, I feel
Speaker 4: like we've had a really good chat. I have loved
Speaker 4: learning more about you and your story. And you said
Speaker 4: that your money habits were a C plus at the start.
Speaker 4: I want to know about that because I feel like
Speaker 4: we've learned a lot about work life balance. I feel
Speaker 4: like you've got your head screwed on really well. You're like, no,
Speaker 4: I took a step back in a job to kind
Speaker 4: of move forward. I've got a lot of strategy around this, Like,
Speaker 4: I have loved this, But why do you think you're
Speaker 4: a C plus? Tell me about that.
Speaker 2: Well, when it comes to incoming money, I think I'm,
Speaker 2: you know, an A minus. But when it comes to outgoings,
Speaker 2: I consciously don't use a budget. I think I could
Speaker 2: really tighten things up a lot if I used a budget.
Speaker 2: I just there's too much to keep track of, and
Speaker 2: so I really my budgeting system is just vibes based
Speaker 2: at the moment, it's it's vibes.
Speaker 4: How do you budget? It's based on the vibe.
Speaker 2: It's the vibe. I pay off my credit card, I
Speaker 2: try and because my mortgage comes out of my offset.
Speaker 2: I try and put, you know, a little bit more
Speaker 2: than what the mortgage repayments are going to be that
Speaker 2: fortnight into the offset. It doesn't always make it, depending
Speaker 2: on what my expenses have been. You know, I don't
Speaker 2: use a bucket system. I just have one. I have
Speaker 2: a credit card and then one account for everything. I
Speaker 2: don't manage my money very well, which is and I
Speaker 2: know all the ways that I could be managing it better.
Speaker 2: I have the financial literacy, I have the tools. I
Speaker 2: just I'm just tired. I don't I'm just.
Speaker 4: Tired, Victoria. I get it, I get it. I'm going
Speaker 4: to try and help. I don't know if this is
Speaker 4: something you even want, but I'm going to gift you
Speaker 4: my money masterclock. So it's automated. So like, I know,
Speaker 4: we're all tired, we're all over it, right, Like we
Speaker 4: don't want to do heaps of work. But if you
Speaker 4: can put in what you get paid, you can put in,
Speaker 4: you know, some of your expenses, it will do all
Speaker 4: of the hard work for you. Like it literally will
Speaker 4: tell you, okay, money direst this is how much you
Speaker 4: need to put into your offset account. And this is
Speaker 4: going to help you to do X, Y and Z.
Speaker 4: It will show you like, yeah.
Speaker 2: And I have a set salary. I've got no excuse.
Speaker 4: And i feel like budgeting can be overwhelming, and I've
Speaker 4: tried to make it not And I mean, if you're
Speaker 4: already in the Shees on the Money community, you'll probably
Speaker 4: appreciate the videos and stuff in there. But I'm not
Speaker 4: gonna lie. The most powerful part is that budgeting cash
Speaker 4: flow system that's basically automated for you. And I've also
Speaker 4: built into it which you might find fun or like motivating.
Speaker 4: It's got a debt repayment calculator so you can put
Speaker 4: in your mortgage and then play around with how many
Speaker 4: years it will take off your mortgage if you like
Speaker 4: added an extra like thirty bucks or whatever. And I
Speaker 4: just think that's fun.
Speaker 2: That is very motivating. Yeah.
Speaker 4: Yeah, and you've got to keep you hooked, you know,
Speaker 4: like budgeting is boring, I've got to give you some
Speaker 4: pretty shiny things along the way, So I've tried to
Speaker 4: make it a very esthetic budget as well. I love
Speaker 4: it money Darist. I have adored this. This has been
Speaker 4: a really fun chat. I especially and you probably didn't
Speaker 4: see this coming, but I especially love you saying that
Speaker 4: you just don't love your job, but it does the
Speaker 4: job to get you the lifestyle that you want to live.
Speaker 4: And I think that's so relatable and just such a
Speaker 4: good message because I think there's this toxic positivity that
Speaker 4: floats around about having to love your job and having
Speaker 4: to be the best in everything, and it's just refreshing. Okay,
Speaker 4: I just love it. But I know that you think
Speaker 4: you're a C plus, but I mean a money coming
Speaker 4: in C plus money going out. I like that methodology
Speaker 4: as well, like we don't have to nail everything. But
Speaker 4: I've loved this. I know the community will love this
Speaker 4: as well. Thank you so much for joining us.
Speaker 2: Thank you for having me.
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