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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.

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Speaker 2: She's on the Money.

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

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Speaker 4: millennials who want financial freedom. Welcome back to another one

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Speaker 4: of our money diaries where we get to talk with

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Speaker 4: one of our incredible She's on the Money community members

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Speaker 4: all about their journey. Let's jump straight into it, because

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Speaker 4: this week I got a message and it went a

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Speaker 4: little bit like this.

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Speaker 2: Hi, Victoria.

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Speaker 4: I went from financially stable to jobless and homeless with

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Speaker 4: my young family after.

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Speaker 2: My husband was fired due to being deaf.

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Speaker 4: We navigated thirty thousand dollars for medical treatment in the

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Speaker 4: US for our son and relocated to the other side

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Speaker 4: of Australia.

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Speaker 2: It's been a huge journey of so much growth.

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Speaker 4: And I am now running a thriving solo business. I

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Speaker 4: cannot wait to share my unique journey with your community.

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Speaker 4: Money Diarist, I nearly used your name, which is awkward.

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Speaker 2: I'm sorry. Welcome to the show, and nice to see

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Speaker 2: you again.

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Speaker 3: Thank you.

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Speaker 5: I'm excited to get into it. Bit nervous, my heart's

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Speaker 5: beating a million miles an hour.

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Speaker 2: But oh my gosh.

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Speaker 4: No, for those of you at home, I met this

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Speaker 4: money and diarist when I was in Perth actually recently

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Speaker 4: on our International Women's Day tour, and her story was

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Speaker 4: just too good not to share.

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Speaker 2: So Money Diarist, are you ready? Do you want to

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Speaker 2: get into it?

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Speaker 3: Let's get into it.

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Speaker 2: Let's do it all right.

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Speaker 4: So first question I've got for you is what grade

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

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Speaker 4: to an F.

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Speaker 3: This took a little bit of thinking, but I think

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Speaker 3: a PASS.

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Speaker 4: I think that's pretty pretty smack bang in the middle.

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Speaker 4: That's pretty good. Let's learn a bit more about you, though.

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Speaker 2: Money Diarist.

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Speaker 4: I want to know this is as everybody knows my

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Speaker 4: favorite question, Can you tell me a little bit more

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Speaker 4: about your money story?

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Speaker 5: I well, both my husband I grew up in solo

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Speaker 5: parent households. We have completely different attitudes towards money. So

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Speaker 5: we now yeah, married and have three kids. But it's

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Speaker 5: been a bit of a journey to get here growing up.

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Speaker 3: My mom ray, my sister, and I on her own

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Speaker 3: after my dad left.

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Speaker 5: We had two young left over, two young daughters and

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Speaker 5: a mortgage and forty dollars to her name. So I

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Speaker 5: learned everything and though I feel like from her and

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Speaker 5: how to live frugally from her. She's an amazing woman

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Speaker 5: and I owe so much of my financial literacy, work

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Speaker 5: ethic and knowledge of how to use power tools.

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Speaker 4: So I love that you just got to do what

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Speaker 4: you got to do, like you're a single mum, not

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Speaker 4: absolutely useless, like you just got to get stuff done.

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Speaker 2: Yeah.

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Speaker 5: Yeah, So we made all of our decisions in our householders,

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Speaker 5: the three of us together, And when we sold our

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Speaker 5: childhood home, we got an offer and Mum set us

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Speaker 5: down and said, you know, this is the offer. This

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Speaker 5: is how much it was, and I was like, no,

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Speaker 5: we could do better than that. We're worth more than that.

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Speaker 5: So Mom didn't accept the offer, and then they came

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Speaker 5: back with another ten thousand or so, and then we

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Speaker 5: accepted that offer. But all of our money decisions were

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Speaker 5: done together, and Mum was completely transparent to my sister

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Speaker 5: and I in regards to where we were each week

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Speaker 5: or fortnite with money. And that's how we've sort of

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Speaker 5: raised our children as well. So when we say, oh,

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Speaker 5: we can't really afford that this week, they understand that,

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Speaker 5: but they don't take it as a negative. They're like, oh, Okay,

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Speaker 5: no worries. Well let's do this or let's do this instead.

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Speaker 5: So instead we'll go for a bushwalk instead of going

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Speaker 5: to the movies or whatever it is they wanted to do,

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Speaker 5: And they're more than happy just to do that or

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Speaker 5: go for a bike ride or whatever it is.

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Speaker 2: And yeah, I love that.

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Speaker 4: Do you ever find I feel like a lot of

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Speaker 4: people aren't ready to talk to their kids about money

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Speaker 4: because they just think that their kids aren't old enough

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Speaker 4: or mature enough to understand the concepts. How did you

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Speaker 4: start introducing that to your kids and how do you

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Speaker 4: think that they conceptualize that? Like, are they taking a

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Speaker 4: well or do they find it a challenge?

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Speaker 5: What is that like at times it carried challenging because

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Speaker 5: they are kids, and at the end of the day,

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Speaker 5: it's all going to be age appropriate. And so I

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Speaker 5: kid to ten, seven and five, so the youngest is

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Speaker 5: a bit more challenging. But I've always loved doing grocery

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Speaker 5: shopping with my kids. Like a lot of mums cut

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Speaker 5: way together the house and leave their kids at home,

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Speaker 5: but I've always taken them. It's a chaos, but they've

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Speaker 5: got their own list, and I'm like, Okay, let's go,

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Speaker 5: we need some pasta, and we'll go. We'll look at

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Speaker 5: the pasta and usually they just grab whatever's at eyesight.

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Speaker 5: And so they've been I've learned how to read the

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Speaker 5: unit price since a very young age, so they can

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Speaker 5: actually see what the cheapest product is by unit price,

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Speaker 5: and they realize that if we spend a little less

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Speaker 5: on those things, then we can spend a little bit

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Speaker 5: more on our annual holiday or on if they want

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Speaker 5: a birthday party. They get a birthday party every second year,

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Speaker 5: so yeah, we can spend more on the things that

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Speaker 5: they want and that we value as a family and

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Speaker 5: that they value.

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Speaker 4: I feel like that's just so important as well, and

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Speaker 4: I feel like grocery shopping is probably a very good

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Speaker 4: gateway to teaching kids about money, where you can budget

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Speaker 4: and you can cash flow, and you can work out

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Speaker 4: things without you know, lumping them with the electricity bill

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Speaker 4: or what it's going to cost for medical this month.

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Speaker 4: So I think that that's a very good way of

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Speaker 4: starting it. I want to know now, obviously you said,

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Speaker 4: oh my gosh, I went from financially stable to jobless

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Speaker 4: and now I run my own business. I want to

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Speaker 4: know what do you do for work? How much money

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Speaker 4: do you guys earn?

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Speaker 5: I do a lot of things, So I run my

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Speaker 5: own solo cleaning business. This fun as year, I'm expecting

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Speaker 5: the annual business income to be around forty thousand dollars.

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Speaker 3: Oh cool, which to some that won't seem like much.

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Speaker 5: But I've created my business to be flexible and to

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Speaker 5: work around our family, so only work roughly three and

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Speaker 5: a half days a week.

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Speaker 3: For forty weeks to the year. I take balls for

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Speaker 3: holidays off and weekends off.

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Speaker 2: Ah living the dream.

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Speaker 4: I feel like that context is actually so good because

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Speaker 4: I immediately was like sick, like you're earning money from

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Speaker 4: your own business, and when you gave us a bit more.

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Speaker 4: It's kind of like you're living within the parameters of

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Speaker 4: the lifestyle that you have. I mean, you have three kids, seven,

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Speaker 4: ten and five. I think it's just one of those

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Speaker 4: things where how cool is it that you've got this

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Speaker 4: job that's completely flexible to the way you want to

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Speaker 4: live your life.

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Speaker 3: Yeah.

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Speaker 5: Well, we've been living over here for two years now

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Speaker 5: and I had to find something that was flexible around

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Speaker 5: the children as well as my husband's work, and also

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Speaker 5: for our location where we live fifty k from the

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Speaker 5: closest big town, so there's not much employment where we live,

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Speaker 5: and I don't want to be traveling one hundred k

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Speaker 5: round trip every single day for work because then we

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Speaker 5: have to look into childcare before and after school care

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Speaker 5: and it's just not something that we value losing two

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Speaker 5: hours of the day traveling and not spending time with

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Speaker 5: our children. So it works for us, but I also

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Speaker 5: do it a casual work at the local supermarket, doing

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Speaker 5: nightviille a few times a month.

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Speaker 3: I do more when.

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Speaker 5: We need more, which is really great that they are

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Speaker 5: flexible like that. So over November and December, I was

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Speaker 5: doing probably three nights a week, and that's come at

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Speaker 5: our spending money for our Ballei holiday January as well as.

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Speaker 3: Their daughter's full fees.

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Speaker 2: Oh, how good.

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Speaker 3: Yeah, it's awesome.

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Speaker 5: So probably annually I own about eight to ten thousand

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Speaker 5: dollars with that, and then we've also got rental income,

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Speaker 5: which over the last few years has been positively good

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Speaker 5: but unfortunately won't be this year with the rate increases yep.

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Speaker 5: And then we get roughly five thousand dollars annually in

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Speaker 5: child support for our oldest m M. And then my

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Speaker 5: husband is on roughly eighty thousand, so we estimate our

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Speaker 5: family income to be around one hundred and forty thousand.

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Speaker 3: And I'm alost for studying full time.

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Speaker 2: So how good.

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Speaker 4: I feel like you are in an absolute hustler, like

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Speaker 4: a cleaning business. You're also doing casual work on top

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Speaker 4: of that, a nightfiel. That's tough work because it's nighttime

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Speaker 4: work and you would be tired. And I'm assuming you've

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Speaker 4: looked after the kids all day or been cleaning all day.

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Speaker 4: I just think that's so admirable, Like, get it, queen,

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Speaker 4: I love it. I love hearing stories like that. I

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Speaker 4: want to know, though, what does your husband do? So

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Speaker 4: eighty grand that's pretty good income. What kind of role

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Speaker 4: is here?

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Speaker 5: So he is he's to be a dairy farmer in

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Speaker 5: Victoria and he moved over to wa It was the

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Speaker 5: second COVID lockdown. He got to jump over here and

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Speaker 5: they waited for us to get over in the January

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Speaker 5: of twenty twenty one, which was great, and we moved over.

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Speaker 5: We have secure housing now and we don't pay anything.

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Speaker 5: We pay internet and that is it for our house.

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Speaker 5: We live on campus at it's a government role and

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Speaker 5: s he's still farming.

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Speaker 2: So yeah, how good.

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Speaker 4: And that is a very big money when definitely to

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Speaker 4: add into I guess this conversation that we're having housing,

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Speaker 4: My gosh, that costs so much money. So is this

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Speaker 4: why you're able to rent out the house that you

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Speaker 4: currently have because you're not paying anything in rent to

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Speaker 4: live where you're currently living.

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Speaker 5: We actually that's a two bedroom unit that we owned,

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Speaker 5: so we never bought that with the intentions for us

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Speaker 5: to live in. But after my husband lost his job

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Speaker 5: and we lost our housing through that back in Victoria

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Speaker 5: years ago, we wanted something that if we had to

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Speaker 5: live in, that we could and we would make it

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Speaker 5: work if we had to, because we wanted to back

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Speaker 5: up so, yeah, that's always been an investment, but it's

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Speaker 5: always been in the back of our mind is that

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Speaker 5: if we had to live there, would make it work.

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Speaker 4: I feel like that's very admirable and actually really smart,

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Speaker 4: especially when you know what you've been through as well.

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Speaker 4: I think you just get to a point where you're like,

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Speaker 4: I don't care what it is, We're just having a

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Speaker 4: backup plan because that's what's going to make me feel secure.

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Speaker 4: You mentioned in your letter into US you said we

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Speaker 4: navigated thirty thousand dollars worth of medical treatment in the

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Speaker 4: US for our son.

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Speaker 2: Can you tell me.

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Speaker 4: A little bit more about that, because that sounds hectic

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Speaker 4: free young family of three.

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Speaker 5: Yeah, so our middle child is born with food alogies.

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Speaker 3: So we recognized that at about six weeks of.

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Speaker 5: Age, he had headed choe x mile was red raw bleeding,

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Speaker 5: and we seen many specialists and he was diagnosed with

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Speaker 5: a dairy allergy, which is a bit ironic.

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Speaker 4: Giving you your husband's a dairy living on a dairy farm.

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Speaker 5: Yeah, so it got more complex as he got older.

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Speaker 5: We added in a peanut allergy, egg allergy, some tree nuts, wheat,

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Speaker 5: and cow.

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Speaker 3: He was contact a little bit to cows.

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Speaker 2: No and you lived on a dairy farm.

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Speaker 5: Yeah, so my husband was coming from work from milking

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Speaker 5: and have to chuckle his clothing machine and shower before

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Speaker 5: he could even hug.

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Speaker 3: Our son, which was what we had to do. But

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Speaker 3: like it was awful that.

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Speaker 5: Yeah, like a little boy was screaming for his dad

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Speaker 5: because he'd come home from work and he just had

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Speaker 5: to wait until he could, yeah, give him a cuddle.

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Speaker 2: No, that's the worst. So what happened.

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Speaker 5: He had a severe anaplectic reaction to cheese. He ate

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Speaker 5: about two grams of cheese in our home. So you know,

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Speaker 5: we were told constantly the strict avoidance was all we

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Speaker 5: could do food alergies in Australia, which.

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Speaker 3: We thought, that's not good enough.

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Speaker 5: Our child's just had an anaphagic reaction that required two

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Speaker 5: EpiPens in ten minutes. We live twenty minutes out of town,

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Speaker 5: with three ambulances show up at our house.

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Speaker 3: His lips went blue.

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Speaker 5: It was just awful, so traumatizing, not just for him myself,

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Speaker 5: but also his older sister who is an amazing advocate

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Speaker 5: for him, and she's been there for every reaction that

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Speaker 5: he's had and calmed him down and she always makes

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Speaker 5: sure that whatever he's touching, or if someone obvious in food,

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Speaker 5: that he can eat it. She's amazing, but it just

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Speaker 5: being told strict avoidance is all we could do just

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Speaker 5: didn't sit right with me. Knowing that this is our lifestyle,

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Speaker 5: being on a farm and around cows. And he was

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Speaker 5: three years old at the time, saying I want to

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Speaker 5: be a dairy farmer like dad, and it broke our

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Speaker 5: heart thinking.

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Speaker 2: Well, that's not an option. Yeah, oh my god.

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Speaker 5: Yeah, And then the more we think about it, like

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Speaker 5: you probably couldn't be in the army, or you couldn't

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Speaker 5: be a chef, you couldn't be a pilot, like there

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Speaker 5: were so many things you probably couldn't do because you know,

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Speaker 5: like if he's a pilot, he's flying a plane. If

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Speaker 5: he were to have an allergic reaction or anefect reaction,

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Speaker 5: then everyone's at risk.

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Speaker 3: And it was just it was heartbreaking.

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Speaker 5: So we yeah, my ADHD hyperfocus brain did its thing,

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Speaker 5: and three am one morning, I discovered oral immunotherapy that

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Speaker 5: was offered in the US as well as some other countries,

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Speaker 5: but the US was just something that we could probably

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Speaker 5: make work, and so we found a doctor in Atlanta

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Speaker 5: in Georgia, who would take him on for six weeks

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Speaker 5: and then Yeah, the planning went from there, and it

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Speaker 5: was going to be about ten thousand dollars for the

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Speaker 5: treatment cost plus all the travel expenses.

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Speaker 3: We couldn't afford the whole family to go. It just

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Speaker 3: wasn't going to work.

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Speaker 5: Our youngest was only nine months old then, and he

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Speaker 5: had his own health issues.

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Speaker 3: My husband was working.

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Speaker 5: He couldn't afford to take six weeks off, so we

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Speaker 5: thought that I would just go on my own with him.

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Speaker 3: Yeah, so we made it work.

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Speaker 5: We crowdfunded the ten thousand dollars for their treatment costs,

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Speaker 5: which I was really hesitant doing in the beginning because

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Speaker 5: I just thought there's a lot more children and people

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Speaker 5: out there in the world that need that help and

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Speaker 5: I didn't feel like we need that. But a friend

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Speaker 5: sort of said, people aren't going to help you if

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Speaker 5: they don't want to, or if they can't.

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Speaker 2: Afford to one hundred percent.

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Speaker 4: And trauma's not comparable, Like you can't compare your trauma

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Speaker 4: to somebody else's trauma and say they've got it worse.

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Speaker 4: Therefore I should not be looked after like And I

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Speaker 4: think that that's a really good point, right. You could

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Speaker 4: put up a million gofund me, so that doesn't force

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Speaker 4: people to contribute to them. And I think if people

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Speaker 4: resonate with it, like it just makes sense.

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Speaker 3: Yeah, So it was.

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Speaker 5: Our little community in Victoria was absolutely amazing. Like blew

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Speaker 5: us away, and the local Lions Club donated quite a

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Speaker 5: substantial amounts. We held a community walk and like barbecue events,

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Speaker 5: we held a movie fundraiser events, we did some raffles,

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Speaker 5: A lot of local businesses donated to the raffle, and

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Speaker 5: just everyone got behind us. A local newspaper published an

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Speaker 5: article about us, and I was on the radio.

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Speaker 3: Station and it was absolutely amazing.

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Speaker 5: So I can't believe we did it, and I'm so

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Speaker 5: grateful that for everybody.

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Speaker 3: That helped us out.

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Speaker 2: That's so wild.

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Speaker 4: I love that story because it's about tenacity as much

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Speaker 4: as it's about finding the solution.

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Speaker 2: But my question is how is your son now?

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Speaker 3: He's amazing. So he's in grade two.

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Speaker 5: Now he is safe to go to school, And that

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Speaker 5: was our biggest concern is that it would be a

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Speaker 5: lot of stress on the teacher, the staff at the school,

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Speaker 5: the other parents making sure that everything in the lunchboxes

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Speaker 5: were safe for him because he was contact allertle to

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Speaker 5: dairy as well.

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Speaker 3: So at school he's thriving. He's happy. He's now eating

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Speaker 3: dairy every day.

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Speaker 4: What so you can now eat dairy after going through that,

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Speaker 4: that is wild.

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Speaker 3: Yeah, so he can touch cows.

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Speaker 5: We also found out he had a horse allergy and

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Speaker 5: dust mites dogs and cats, so working through that. But

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Speaker 5: he can touch cows now and hug them, and he

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Speaker 5: feeds the calves and he's eating peanuts. And we found

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Speaker 5: out actually over there that he no longer had an

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Speaker 5: egg allergy. But because he was classed as high risk,

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Speaker 5: no one in Australia he would even challenge it, so

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Speaker 5: it took us having to go over there to find

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Speaker 5: out that he could now eat eggs. So yeah, he's

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Speaker 5: so happy, he's thriving, he's growing, which he didn't grow

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Speaker 5: for so long because he was on so many steroids.

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Speaker 2: And yeah, oh my gosh.

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Speaker 4: Well I love that and I feel like that's been

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Speaker 4: a really good sidetrack, but I am going to get

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Speaker 4: back on track. I just I love hearing stories like that,

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Speaker 4: and I think everyone in our community would've been pervy

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Speaker 4: and want to know, well, how did you do it? Obviously,

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Speaker 4: thirty grand is a lot of money. How did you

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Speaker 4: raise that? What did that look like? So thank you

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Speaker 4: so much for sharing that. All right, next question before

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Speaker 4: we go to a really quick break, I want to

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Speaker 4: know what are you currently working towards? What is currently

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Speaker 4: your big money goal?

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Speaker 5: So a big goal would be divine investments, probably in

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Speaker 5: the town that we live in. Anythink won to happen

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Speaker 5: with employment, my husband's employment here, we would then have

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Speaker 5: a backup plan and then our children would be able

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Speaker 5: to finish school in here instead of moving to a

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Speaker 5: different town, which with the house in crisis, a lot

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Speaker 5: of families unfortunately have.

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Speaker 3: Had to do here. So that's our Yeah, big money goal.

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Speaker 2: I like that.

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Speaker 4: Well, let's go to a really quick break and I

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Speaker 4: have a whole heap more questions for you right after this.

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Speaker 2: All right, money dirist, we are back. You dropped before that.

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Speaker 4: You have an investment property, so I want to know

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Speaker 4: more about him investments. What current investments do you have

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Speaker 4: and can you tell us a little bit about them?

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Speaker 3: Yeah, so we.

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Speaker 5: Have that investment probably and we've had that I think

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Speaker 5: about four years now, so that was just what we

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Speaker 5: could afford to buy at that time. We also have

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Speaker 5: both of our super so my husband's is quite substantial,

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Speaker 5: but mine's only just hit twenty k. But my goal

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Speaker 5: is to contribute more than the ten point five percents

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Speaker 5: of that through my business income, which I think i've

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Speaker 5: alreadcontributed about five thousand this year.

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Speaker 4: So pretty stoked with that five grand and you've made

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Speaker 4: forty what that is so good. I just feel like

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Speaker 4: so many small business owners completely neglect their super so

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Speaker 4: it's very sexy to hear that you're caring about it.

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Speaker 5: That's one thing that I've really been on top of that.

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Speaker 5: I've wanted to do that from day one. I was like,

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Speaker 5: I need to do this for myself, and then when

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Speaker 5: I hear of anyone else starting a cleaning business or

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Speaker 5: any small business, make sure you look after yourself and

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Speaker 5: you pay your super because that's really important hundred percent.

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Speaker 4: I went on a rant yesterday with somebody because I

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Speaker 4: went and spoke at an event for small business owners,

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Speaker 4: and as you guys know, small business is something I'm

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Speaker 4: so passionate about, and I was like, why are we

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Speaker 4: in this position where small business owners are taking on

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Speaker 4: so much more risk than people who are employed payg right,

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Speaker 4: Like it's such a burden we put ourselves out there

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Speaker 4: so that we.

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Speaker 2: Can earn our own money.

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Speaker 4: We work so much over time, we go above and beyond,

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Speaker 4: and then we shoot ourselves in the foot when it

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Speaker 4: comes to retirement time because we don't have what somebody

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Speaker 4: who is in a salary payg job who had just

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Speaker 4: had their guaranteed super being paid each and every single month.

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Speaker 4: We don't have that because we tried to reinvest back

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Speaker 4: into our business not realizing that it stops us from

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Speaker 4: getting ahead. So I'm just I love what you're saying.

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Speaker 4: I'm just so wildly passionate about people putting themselves ahead

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Speaker 4: and putting themselves in the best possible position because it's like,

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Speaker 4: we didn't come this far, only come this far, my friends.

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Speaker 3: Yep.

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Speaker 5: So we also have an investment bond set up for

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Speaker 5: our eldest child, when our middle child turns eight in

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Speaker 5: June will start his, and then say for our youngest

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Speaker 5: when he turns eight. So we contribute fifty dollars a

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Speaker 5: fortnight to these with the intentions that in the minimum

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Speaker 5: ten years or more, depending on what they're doing with

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Speaker 5: their lives, they'll have a little nest ache to start

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Speaker 5: their lives, whether that's for a car or house, deposits,

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Speaker 5: or if hopefully not, one of my children are twenty

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Speaker 5: years old and pregnant and having a child like me,

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Speaker 5: they have something there to help themselves out with that.

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Speaker 2: Oh I love that.

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Speaker 4: Can you tell me a little bit more about your

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Speaker 4: decision to get into an investment bond? I feel like

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Speaker 4: there's so many options out there when it comes to

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Speaker 4: saving for children and investing for your kid's future. What

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00:20:50,320 --> 00:20:52,080
Speaker 4: led you down the path of going you know what?

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Speaker 4: And investment bond is the right decision for us?

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00:20:54,560 --> 00:20:56,359
Speaker 5: I didn't do my research at all. I saw a

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Speaker 5: post on Facebook someone else doing it.

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Speaker 3: I was like, here, what the heck?

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Speaker 2: Okay, all right, great, great solid research.

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Speaker 4: I mean Glenn James from my Millennial Money is a

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Speaker 4: really big advocate of investment bonds, and I talk about

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Speaker 4: the benefits of them on the pod. So I mean

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Speaker 4: the Facebook post got you there, But I mean I

445
00:21:10,960 --> 00:21:13,320
Speaker 4: wouldn't fall for everything you see on Facebook. So maybe

446
00:21:13,359 --> 00:21:16,040
Speaker 4: we need to talk together about this after all.

447
00:21:16,119 --> 00:21:20,719
Speaker 2: Right, But let's move on in questions, I want to know,

448
00:21:20,960 --> 00:21:22,840
Speaker 2: do you have any debt? If so, what is it?

449
00:21:22,920 --> 00:21:24,600
Speaker 3: Sorry we do have more investments?

450
00:21:24,720 --> 00:21:28,879
Speaker 2: Oh okay, sorry, sorry, I just moved on. I moved on.

451
00:21:29,119 --> 00:21:31,200
Speaker 2: Tell me what are your investments.

452
00:21:31,560 --> 00:21:34,320
Speaker 5: We also have a block of lands in Victoria that

453
00:21:34,359 --> 00:21:36,919
Speaker 5: we sort of willing nearly put a found dollar deposit

454
00:21:37,000 --> 00:21:39,880
Speaker 5: on before the subdivision was completed, and then two years

455
00:21:39,920 --> 00:21:43,360
Speaker 5: later it titled, and we sort of thought about pulling out,

456
00:21:43,400 --> 00:21:46,520
Speaker 5: but our mortgage breaker sents that would be silly, and

457
00:21:47,200 --> 00:21:49,199
Speaker 5: we've probably just made about one hundred thousand dollars by

458
00:21:49,200 --> 00:21:53,200
Speaker 5: waiting the two years for it to title. So we thought,

459
00:21:53,280 --> 00:21:55,919
Speaker 5: why not, we'll build out forever home here, and we

460
00:21:56,040 --> 00:21:56,440
Speaker 5: bought it.

461
00:21:56,840 --> 00:21:58,560
Speaker 3: And then a few months later we found out we're

462
00:21:58,600 --> 00:21:59,280
Speaker 3: moving state.

463
00:22:00,400 --> 00:22:03,280
Speaker 5: So it's just a vacant lot now that's being used

464
00:22:03,800 --> 00:22:05,520
Speaker 5: as a parking lot by the trades that are building

465
00:22:05,560 --> 00:22:06,520
Speaker 5: all the other houses around.

466
00:22:06,680 --> 00:22:08,159
Speaker 2: Yeah, are you charging them for that?

467
00:22:08,480 --> 00:22:10,199
Speaker 3: Well, I'm actually I'm really tempted.

468
00:22:10,480 --> 00:22:13,720
Speaker 4: Yeah, absolutely, if they're using your property. It is not

469
00:22:14,040 --> 00:22:15,200
Speaker 4: a free car park.

470
00:22:15,320 --> 00:22:19,480
Speaker 5: My friend, Well, it's saving us having to mow that

471
00:22:19,520 --> 00:22:23,080
Speaker 5: part of the lot because it's yeah, it's all crushed

472
00:22:23,080 --> 00:22:24,000
Speaker 5: down and all muddy.

473
00:22:24,119 --> 00:22:27,280
Speaker 4: So I guess, oh yeah, totally totally make money though

474
00:22:27,359 --> 00:22:29,360
Speaker 4: bay and make money.

475
00:22:29,720 --> 00:22:32,800
Speaker 5: I've also got an emergency funded offsets against the block

476
00:22:32,840 --> 00:22:35,400
Speaker 5: of land and then I've got my own emergency funds

477
00:22:35,560 --> 00:22:37,880
Speaker 5: in my business account, and I have a whopping twenty

478
00:22:37,960 --> 00:22:39,880
Speaker 5: seven dollars in chais Ah.

479
00:22:39,960 --> 00:22:43,560
Speaker 4: Big Dog Energy is ten dollars of that from using

480
00:22:43,640 --> 00:22:44,960
Speaker 4: the SotM code.

481
00:22:45,040 --> 00:22:47,280
Speaker 2: It is Yeah, thanks, yeah, good, good good.

482
00:22:47,320 --> 00:22:49,840
Speaker 4: I love to see it. How did you pick your

483
00:22:49,840 --> 00:22:50,960
Speaker 4: first shares on chairs?

484
00:22:50,960 --> 00:22:51,280
Speaker 2: Eas?

485
00:22:51,280 --> 00:22:54,080
Speaker 5: My first one was actually cochlear because my husband is deaf.

486
00:22:54,160 --> 00:22:56,639
Speaker 5: He doesn't have a cocklier implant. He wears hearing aids,

487
00:22:56,680 --> 00:23:00,320
Speaker 5: but I thought, yeah, that was something that and also

488
00:23:00,400 --> 00:23:01,879
Speaker 5: elders because yeah, farming.

489
00:23:01,960 --> 00:23:02,439
Speaker 2: I love this.

490
00:23:02,760 --> 00:23:03,760
Speaker 3: Oh yeah, my first two.

491
00:23:04,000 --> 00:23:08,120
Speaker 4: Yeah, value investing it through and through all right, money dressed,

492
00:23:08,160 --> 00:23:10,200
Speaker 4: I want to know. I feel like you've grown up

493
00:23:10,600 --> 00:23:13,880
Speaker 4: super savvy and super thrifty and been able to save.

494
00:23:13,960 --> 00:23:15,640
Speaker 4: So what is your best money habit?

495
00:23:15,720 --> 00:23:16,160
Speaker 2: Do you think?

496
00:23:16,440 --> 00:23:17,359
Speaker 3: Probably frugality.

497
00:23:17,760 --> 00:23:21,280
Speaker 5: So I research every big purchase to the point that

498
00:23:21,680 --> 00:23:23,840
Speaker 5: if I don't need it right now, I'll crack the

499
00:23:23,840 --> 00:23:25,600
Speaker 5: sheets and close one hundred tabs and then come back

500
00:23:25,640 --> 00:23:30,240
Speaker 5: to it when we desperately need that ard them it.

501
00:23:30,560 --> 00:23:30,760
Speaker 3: Yeah.

502
00:23:30,800 --> 00:23:32,040
Speaker 5: It could be a good thing and a bad thing

503
00:23:32,040 --> 00:23:33,520
Speaker 5: at the same time, but at least I go into

504
00:23:33,560 --> 00:23:37,640
Speaker 5: every big money decision with the knowledge and the research

505
00:23:37,680 --> 00:23:39,080
Speaker 5: and everyone else's.

506
00:23:38,760 --> 00:23:40,400
Speaker 3: Opinions, which can be annoying.

507
00:23:41,000 --> 00:23:43,919
Speaker 5: But the kids also wear a lot of hand me

508
00:23:43,960 --> 00:23:47,200
Speaker 5: downs and cheap kmark clothes off the one dollar rack

509
00:23:47,600 --> 00:23:48,639
Speaker 5: and secondhand clothes.

510
00:23:49,200 --> 00:23:50,640
Speaker 3: They've got some good quality.

511
00:23:50,320 --> 00:23:52,880
Speaker 5: Clothes like Country Road and likes, but I usually buy

512
00:23:52,960 --> 00:23:55,040
Speaker 5: them on sale or on.

513
00:23:55,000 --> 00:23:56,159
Speaker 3: Second hand Facebook groups.

514
00:23:57,280 --> 00:24:01,240
Speaker 5: And food is obviously one of our biggest expenses living

515
00:24:01,440 --> 00:24:04,400
Speaker 5: technically clusters remotely and in Western.

516
00:24:04,240 --> 00:24:05,880
Speaker 3: Australia, which food can be very expensive.

517
00:24:05,920 --> 00:24:08,280
Speaker 5: With three kids, I don't eat meat, for the rest

518
00:24:08,280 --> 00:24:12,000
Speaker 5: of the family does, so whatever meat AD buy is

519
00:24:12,480 --> 00:24:14,840
Speaker 5: always marked out, and we have a big deep freezer,

520
00:24:14,840 --> 00:24:17,560
Speaker 5: so over and then gets stored in there, and we

521
00:24:17,720 --> 00:24:21,159
Speaker 5: generally can stretch two hundred fifty grams and mints to

522
00:24:21,240 --> 00:24:22,920
Speaker 5: get two nights out of that by bulking up.

523
00:24:22,880 --> 00:24:26,080
Speaker 3: With veggies and lentils and beans and all that sort

524
00:24:26,080 --> 00:24:26,400
Speaker 3: of stuff.

525
00:24:26,440 --> 00:24:28,439
Speaker 2: Oh my gosh, that is super good.

526
00:24:28,560 --> 00:24:31,280
Speaker 4: Two hundred and fifty grams would be like I don't know,

527
00:24:31,320 --> 00:24:34,680
Speaker 4: two meals right usually, but being able to stretch that

528
00:24:34,680 --> 00:24:36,000
Speaker 4: that far what a queen.

529
00:24:36,160 --> 00:24:36,840
Speaker 2: I love this.

530
00:24:37,000 --> 00:24:38,800
Speaker 4: I feel like we need to make like a Sheese

531
00:24:38,800 --> 00:24:41,720
Speaker 4: on the Money cookbook where everybody sends in their best

532
00:24:41,800 --> 00:24:44,840
Speaker 4: frugal recipes that are like tried and true because you

533
00:24:44,840 --> 00:24:46,879
Speaker 4: can google frugal recipe and you're just not sure if

534
00:24:46,880 --> 00:24:48,720
Speaker 4: it's going to work out, But like, we trust the

535
00:24:48,760 --> 00:24:51,920
Speaker 4: community to provide, right, So I feel like we might

536
00:24:52,000 --> 00:24:54,000
Speaker 4: need to favor recipe at some point in the near

537
00:24:54,040 --> 00:24:57,679
Speaker 4: future to flipiate though. I need to know what is

538
00:24:57,720 --> 00:24:58,840
Speaker 4: your worst money habit.

539
00:24:58,960 --> 00:25:03,080
Speaker 5: My worst money have it is probably the few nights

540
00:25:03,080 --> 00:25:05,320
Speaker 5: a week my husband and I text each other before

541
00:25:05,359 --> 00:25:10,600
Speaker 5: we get home from work, saying snacks, which then means

542
00:25:10,720 --> 00:25:13,280
Speaker 5: one of us ends up down at the local Ida

543
00:25:13,359 --> 00:25:15,879
Speaker 5: five minutes before they close, panic buying aisle two and

544
00:25:15,880 --> 00:25:18,320
Speaker 5: we come home with thirty dollars worth of Lollly chocolate chips,

545
00:25:18,359 --> 00:25:23,600
Speaker 5: ice cream and whatever else fair. Usually it's yeah, after

546
00:25:23,640 --> 00:25:25,359
Speaker 5: a long, hard day or the kids have just been

547
00:25:25,400 --> 00:25:28,040
Speaker 5: a bit challenging, and if my mom's listening to this,

548
00:25:28,119 --> 00:25:29,919
Speaker 5: she's rolling her eyes because she knows how bad we

549
00:25:29,960 --> 00:25:30,320
Speaker 5: are at this.

550
00:25:33,320 --> 00:25:36,040
Speaker 4: I feel like that's not the worst money habit to

551
00:25:36,160 --> 00:25:38,880
Speaker 4: have in the world, but maybe we need to put

552
00:25:38,920 --> 00:25:40,639
Speaker 4: that into the budget for the groceries.

553
00:25:40,800 --> 00:25:41,600
Speaker 3: Yeah.

554
00:25:42,119 --> 00:25:47,040
Speaker 5: He also wanting to provide everything we possibly can for

555
00:25:47,160 --> 00:25:50,520
Speaker 5: our children and give them every experience possible. It's not

556
00:25:50,520 --> 00:25:52,919
Speaker 5: always the worst thing, but it can be when it

557
00:25:52,960 --> 00:25:54,840
Speaker 5: comes to having five nights a week after.

558
00:25:54,640 --> 00:25:57,320
Speaker 3: School completely booked out with activities for three.

559
00:25:57,240 --> 00:26:01,320
Speaker 5: Kids between swimming, netball, football, basketball, wile and everything else.

560
00:26:01,960 --> 00:26:03,840
Speaker 3: And then we look at the budget and we're like, oh,

561
00:26:03,960 --> 00:26:05,879
Speaker 3: can we actually really afford all of this?

562
00:26:06,040 --> 00:26:07,879
Speaker 5: So now we've had to put limits on it that

563
00:26:07,920 --> 00:26:10,240
Speaker 5: we only do one thing a season and maximum of

564
00:26:10,280 --> 00:26:13,200
Speaker 5: three things a year for each child. So we're working

565
00:26:13,280 --> 00:26:13,960
Speaker 5: on that slowly.

566
00:26:14,080 --> 00:26:16,439
Speaker 4: But like wanting to give your kids the world, that

567
00:26:16,600 --> 00:26:18,879
Speaker 4: is not a bad money habit, Like that is a

568
00:26:19,000 --> 00:26:22,160
Speaker 4: very wholesome habit, and I will get behind that one

569
00:26:22,240 --> 00:26:26,560
Speaker 4: for you money, darrist It has been gorgeous talking to you,

570
00:26:26,640 --> 00:26:28,480
Speaker 4: But now we've had a chat. I feel like you're

571
00:26:28,480 --> 00:26:29,960
Speaker 4: a queen. You have a block of land, you have

572
00:26:29,960 --> 00:26:32,240
Speaker 4: an investment property, you have investment bonds set up for

573
00:26:32,280 --> 00:26:34,000
Speaker 4: your kids, you have an emergency fund. Do you have

574
00:26:34,040 --> 00:26:37,400
Speaker 4: your own business, you do multiple things. Like you said

575
00:26:37,440 --> 00:26:40,199
Speaker 4: you're a B plus. Do you really think you're a

576
00:26:40,200 --> 00:26:40,960
Speaker 4: B plus?

577
00:26:42,560 --> 00:26:42,840
Speaker 1: Yes?

578
00:26:42,960 --> 00:26:45,120
Speaker 3: I still probably believe I'm a B plus.

579
00:26:45,280 --> 00:26:47,080
Speaker 5: Like I feel like our family has achieved a lot

580
00:26:47,760 --> 00:26:50,080
Speaker 5: and I am proud of us, but at the same time,

581
00:26:50,119 --> 00:26:50,520
Speaker 5: we know.

582
00:26:52,200 --> 00:26:53,760
Speaker 3: How things can quickly change.

583
00:26:53,840 --> 00:26:56,000
Speaker 5: So even today we can be a B plus tomorrow

584
00:26:56,119 --> 00:26:58,280
Speaker 5: we could be an F because anything.

585
00:26:58,080 --> 00:27:00,560
Speaker 3: Could happen, so I believe it.

586
00:27:00,600 --> 00:27:03,960
Speaker 5: Yeah, by educating yourself on financial literacy, having an emergency fund,

587
00:27:04,840 --> 00:27:07,360
Speaker 5: they're both equally important because at the end of the day,

588
00:27:08,160 --> 00:27:09,640
Speaker 5: as women, a man is not a plan.

589
00:27:09,880 --> 00:27:12,119
Speaker 2: So no, it's not absolutely.

590
00:27:11,600 --> 00:27:13,919
Speaker 3: Not got to have something, Yeah.

591
00:27:13,359 --> 00:27:15,640
Speaker 4: Absolutely not, but it sounds like you've got your own

592
00:27:15,680 --> 00:27:18,440
Speaker 4: plan going on somewhere else. So I am very proud

593
00:27:18,480 --> 00:27:22,640
Speaker 4: of you, Money Diarist. It has been an absolute pleasure

594
00:27:22,720 --> 00:27:25,200
Speaker 4: talking to you. Thank you so much for sharing your

595
00:27:25,200 --> 00:27:27,359
Speaker 4: diary with us. I think this one is going to

596
00:27:27,400 --> 00:27:29,439
Speaker 4: hit the ground running and people are going to love it,

597
00:27:29,560 --> 00:27:31,000
Speaker 4: so I really appreciate it.

598
00:27:31,040 --> 00:27:31,399
Speaker 3: Thank you.

599
00:27:37,960 --> 00:27:40,480
Speaker 4: The advice shared on She's on the Money is general

600
00:27:40,520 --> 00:27:44,399
Speaker 4: in nature and does not consider your individual circumstances. She's

601
00:27:44,440 --> 00:27:47,840
Speaker 4: on the Money exists purely for educational purposes and should

602
00:27:47,920 --> 00:27:51,080
Speaker 4: not be relied upon to make an investment or financial decision.

603
00:27:51,480 --> 00:27:53,920
Speaker 4: If you do choose to buy a financial product, read

604
00:27:53,960 --> 00:27:58,119
Speaker 4: the PDS TMD and obtain appropriate financial advice tailored towards

605
00:27:58,119 --> 00:27:58,679
Speaker 4: your needs.

606
00:27:59,000 --> 00:28:01,240
Speaker 2: Victoria divine and she's on the money.

607
00:28:01,280 --> 00:28:04,760
Speaker 4: Are authorized representatives of money, sirper P T y L

608
00:28:04,760 --> 00:28:07,400
Speaker 4: T D A b N three two one six four

609
00:28:07,480 --> 00:28:10,480
Speaker 4: nine two seven seven zero eight a F s L

610
00:28:10,600 --> 00:28:14,479
Speaker 4: four five one two eight nine