1 00:00:00,200 --> 00:00:02,000 Speaker 1: She's on the Money. 2 00:00:02,160 --> 00:00:09,080 Speaker 2: She's on the Money. 3 00:00:13,720 --> 00:00:16,720 Speaker 3: Hello, and welcome to She's on the Money, the podcast 4 00:00:16,760 --> 00:00:19,320 Speaker 3: for millennials who want financial freedom. 5 00:00:19,520 --> 00:00:20,239 Speaker 1: Today, I am. 6 00:00:20,200 --> 00:00:24,200 Speaker 3: Joined by Victoria Devine, hi friend, for another money diary, 7 00:00:24,360 --> 00:00:26,520 Speaker 3: their best, and this one. 8 00:00:27,400 --> 00:00:28,560 Speaker 1: Is a little inspowey. 9 00:00:29,040 --> 00:00:31,320 Speaker 3: It's a little bit fun, it's a little bit fresh, 10 00:00:31,440 --> 00:00:34,800 Speaker 3: and I've read the email. It's really spoken to me internally, 11 00:00:34,880 --> 00:00:35,159 Speaker 3: and I. 12 00:00:35,080 --> 00:00:37,080 Speaker 2: Think that's why you chose it. Yes, I love it. 13 00:00:37,159 --> 00:00:38,560 Speaker 2: Can you please read it out for Okay? 14 00:00:38,880 --> 00:00:42,720 Speaker 4: Hello, sootm And if you're new She's on the Money 15 00:00:42,760 --> 00:00:44,159 Speaker 4: the podcast you're already listening to. 16 00:00:44,280 --> 00:00:46,960 Speaker 2: Yes Stom for those who love that name. 17 00:00:47,920 --> 00:00:53,440 Speaker 4: I've been a marketing manager in education, tourism, entertainment, fmcg, etc. 18 00:00:53,800 --> 00:00:57,240 Speaker 4: For over ten years. During maternity leave, I started an 19 00:00:57,280 --> 00:01:00,440 Speaker 4: Instagram page to talk about the perioral dermatie as I 20 00:01:00,480 --> 00:01:04,160 Speaker 4: have developed from my pregnancy and birth hormones. That was 21 00:01:04,240 --> 00:01:06,480 Speaker 4: ten months ago, and now brands are paying me to 22 00:01:06,520 --> 00:01:09,440 Speaker 4: talk about my experiences using their products on my sensitive 23 00:01:09,520 --> 00:01:11,240 Speaker 4: dry skin on my Instagram page. 24 00:01:11,240 --> 00:01:12,880 Speaker 2: Oh my gosh, she's a little influenced. 25 00:01:14,240 --> 00:01:17,240 Speaker 4: Some are also asking me for content for their own use. 26 00:01:17,520 --> 00:01:20,560 Speaker 4: Even Napoleon Purdose wanted me to make content for a 27 00:01:20,600 --> 00:01:22,080 Speaker 4: sunscreen launch in China. 28 00:01:22,120 --> 00:01:25,760 Speaker 2: Why does this have to be anonymous? Like, now we 29 00:01:25,800 --> 00:01:26,640 Speaker 2: can't perv on her. 30 00:01:26,680 --> 00:01:27,319 Speaker 1: That sucks. 31 00:01:27,440 --> 00:01:29,600 Speaker 4: Well, maybe we can let her pick if we give 32 00:01:29,640 --> 00:01:31,360 Speaker 4: out her little ig encounment. 33 00:01:31,880 --> 00:01:36,320 Speaker 2: It's not happening. I checked her privacy. I'm going to 34 00:01:36,360 --> 00:01:38,039 Speaker 2: ask her for it though, So you guys, I'm going 35 00:01:38,040 --> 00:01:38,640 Speaker 2: to see it. You're not. 36 00:01:38,840 --> 00:01:40,679 Speaker 1: I've actually got it. I can give it. 37 00:01:41,880 --> 00:01:45,160 Speaker 4: Additionally, I'm now writing for beauty blogs and websites. I've 38 00:01:45,240 --> 00:01:48,040 Speaker 4: quit my day job finish in a couple of weeks, and. 39 00:01:48,280 --> 00:01:50,640 Speaker 2: What's come at me? She's now the beauty blogger. 40 00:01:51,040 --> 00:01:53,120 Speaker 4: She's going to be taking over our podcast soon you 41 00:01:53,160 --> 00:01:56,440 Speaker 4: watch out, and will be full time influencing and writing 42 00:01:56,480 --> 00:02:00,320 Speaker 4: and also being a mum from now on next already 43 00:02:00,360 --> 00:02:02,720 Speaker 4: booked for three thousand dollars worth of work. 44 00:02:02,920 --> 00:02:07,120 Speaker 1: What holy moly, that's so exciting that should we? 45 00:02:07,280 --> 00:02:08,240 Speaker 2: Should we give her a bus? 46 00:02:08,400 --> 00:02:10,080 Speaker 4: I need to talk to her all right, let's get 47 00:02:10,120 --> 00:02:13,760 Speaker 4: her on the phone. Hello, Money Diarist. 48 00:02:13,639 --> 00:02:15,040 Speaker 5: Hi, Toney and Victoria? 49 00:02:15,200 --> 00:02:15,919 Speaker 2: How are you who? 50 00:02:16,040 --> 00:02:21,720 Speaker 1: She goes? She's and she knows who we are. Oh 51 00:02:21,880 --> 00:02:23,720 Speaker 1: that's doesn't make you famous? 52 00:02:24,560 --> 00:02:26,680 Speaker 2: Yeah, it does a little bit. It does a little bit. 53 00:02:26,720 --> 00:02:29,440 Speaker 2: Thank you so much for allowing us to share your 54 00:02:29,440 --> 00:02:32,720 Speaker 2: money diary. I'm so excited. As always, we're going to 55 00:02:32,800 --> 00:02:35,760 Speaker 2: go through all of the standard money diary questions that 56 00:02:35,840 --> 00:02:39,600 Speaker 2: the community knows and loves. Then after the break, we 57 00:02:39,680 --> 00:02:42,680 Speaker 2: will get into asking you some more pervy personal questions 58 00:02:42,680 --> 00:02:44,639 Speaker 2: based on your responses. How's that sound? 59 00:02:44,840 --> 00:02:47,560 Speaker 5: Okay, sounds good to hear what you're going to ask. 60 00:02:47,800 --> 00:02:49,600 Speaker 2: Oh my gosh, we don't know what we're gonna ask 61 00:02:49,760 --> 00:02:52,040 Speaker 2: just yet, so it depends on your responses, my friend. 62 00:02:52,360 --> 00:02:55,959 Speaker 2: So let's start with the first question, which is, as always, 63 00:02:56,360 --> 00:02:58,400 Speaker 2: what is your attitude towards money? 64 00:03:00,480 --> 00:03:03,720 Speaker 5: I think my attitude sports money has just always been 65 00:03:03,840 --> 00:03:08,480 Speaker 5: to spend less than I earned, no matter how much 66 00:03:08,480 --> 00:03:11,600 Speaker 5: I've earned. I guess because I have kind of had 67 00:03:11,800 --> 00:03:15,080 Speaker 5: very different levels of jobs in the corporate world over 68 00:03:15,120 --> 00:03:19,440 Speaker 5: the last like ten to eleven years, starting straight after university, Like, 69 00:03:19,639 --> 00:03:22,240 Speaker 5: it really has just been spend less on my own 70 00:03:22,360 --> 00:03:24,560 Speaker 5: so that I don't go into debt. I'm kind of 71 00:03:24,600 --> 00:03:30,360 Speaker 5: staying within my means and that success is owned, so 72 00:03:30,880 --> 00:03:33,239 Speaker 5: I have to work hard to make more money. 73 00:03:33,400 --> 00:03:36,160 Speaker 2: Yeah, So what do you do for work and how 74 00:03:36,200 --> 00:03:37,400 Speaker 2: much money do you earn? 75 00:03:38,160 --> 00:03:42,760 Speaker 5: So, up until about two weeks ago, I was a 76 00:03:42,800 --> 00:03:46,600 Speaker 5: marketing manager for a university and I earned ninety thousand 77 00:03:46,680 --> 00:03:51,200 Speaker 5: dollars a year. But as from the email that you 78 00:03:51,440 --> 00:03:55,600 Speaker 5: have thread out, I have quit that job now just 79 00:03:55,640 --> 00:04:00,560 Speaker 5: to focus on being a mom and also made my 80 00:04:00,800 --> 00:04:06,640 Speaker 5: content creation and influencing a full time job. So now 81 00:04:07,080 --> 00:04:09,280 Speaker 5: I don't really know what a year's salary will be 82 00:04:09,360 --> 00:04:11,240 Speaker 5: like because I haven't been doing it for a year. 83 00:04:11,320 --> 00:04:15,280 Speaker 5: But last month I did three thousand dollars work, so 84 00:04:15,360 --> 00:04:17,880 Speaker 5: I'm hoping that I can kind of keep that momentum. 85 00:04:18,279 --> 00:04:21,599 Speaker 4: That's a lot of money to make from doing something 86 00:04:21,640 --> 00:04:23,680 Speaker 4: that you love and that people have recognized that you're 87 00:04:23,680 --> 00:04:24,240 Speaker 4: just good at. 88 00:04:24,720 --> 00:04:25,280 Speaker 1: That's huge. 89 00:04:25,400 --> 00:04:27,320 Speaker 5: Yeah, I just love it so much. I love it 90 00:04:27,360 --> 00:04:29,320 Speaker 5: so much, and I think because it does kind of 91 00:04:29,440 --> 00:04:32,800 Speaker 5: lend itself from the marketing arm and I am just 92 00:04:32,839 --> 00:04:34,520 Speaker 5: like focusing on something that I love is kind of 93 00:04:34,560 --> 00:04:36,200 Speaker 5: bringing to things together. 94 00:04:36,400 --> 00:04:39,320 Speaker 2: Yeah, and it kind of makes sense. When Tony read 95 00:04:39,320 --> 00:04:41,120 Speaker 2: out that you were a marketing manager, I was like, 96 00:04:41,200 --> 00:04:44,960 Speaker 2: of course she is tricks. Yeah, those guys are always 97 00:04:45,080 --> 00:04:48,120 Speaker 2: really good content, so it makes sense. It means that 98 00:04:48,120 --> 00:04:49,880 Speaker 2: you've been training your whole life for this. I have 99 00:04:49,920 --> 00:04:50,760 Speaker 2: no doubt I have. 100 00:04:50,880 --> 00:04:54,080 Speaker 5: I've been training for this exactly exactly. 101 00:04:54,200 --> 00:04:56,640 Speaker 2: So what is your big money goal right now? 102 00:04:57,360 --> 00:05:00,240 Speaker 5: So money goal right now is kind of a big 103 00:05:00,440 --> 00:05:04,080 Speaker 5: life update. Was to save a lot of money because 104 00:05:04,320 --> 00:05:08,560 Speaker 5: I'm actually about to move Overseas with my husband and 105 00:05:08,600 --> 00:05:12,920 Speaker 5: my son for my husband's job. So we're moving to Canada, 106 00:05:13,839 --> 00:05:20,040 Speaker 5: so far away, so far away. So kind of pushed 107 00:05:20,200 --> 00:05:24,600 Speaker 5: for me to have to work for myself because he 108 00:05:25,400 --> 00:05:29,400 Speaker 5: bout me. I know, it's kind of I had no 109 00:05:29,520 --> 00:05:32,080 Speaker 5: idea that I would end up earning any money from 110 00:05:32,080 --> 00:05:34,880 Speaker 5: any of this, so it's all just it's meant to be, 111 00:05:35,120 --> 00:05:39,520 Speaker 5: meant to be. So the money goal is just to 112 00:05:40,120 --> 00:05:44,520 Speaker 5: live off our savings and the income that he has 113 00:05:44,560 --> 00:05:47,200 Speaker 5: over there. It's quite expensive obviously the process to get 114 00:05:47,200 --> 00:05:51,080 Speaker 5: there living there, but then when we come back, we 115 00:05:51,120 --> 00:05:54,320 Speaker 5: want to be able to buy a house back here 116 00:05:54,320 --> 00:05:57,760 Speaker 5: in queens in Queensland on the Gold Coast, so beauty. Yeah, 117 00:05:57,800 --> 00:06:01,600 Speaker 5: that's kind of our long term next couple of years ago. 118 00:06:02,000 --> 00:06:03,640 Speaker 2: It's going to be a bit of a weather shock 119 00:06:03,720 --> 00:06:05,919 Speaker 2: for you, my friend. You're going to go from funny 120 00:06:06,000 --> 00:06:09,560 Speaker 2: Queensland over to Canada, where you actually have to wear 121 00:06:09,600 --> 00:06:11,120 Speaker 2: snow boots on your way to work. 122 00:06:11,360 --> 00:06:14,599 Speaker 5: I'm no, I'm not even taking like hardly any clothes 123 00:06:14,640 --> 00:06:17,640 Speaker 5: because there's no points. I'm just gonna buy everything there. Yeah, 124 00:06:17,640 --> 00:06:19,560 Speaker 5: and the hope that I can adjust. 125 00:06:19,839 --> 00:06:22,360 Speaker 2: So did you currently invest? 126 00:06:23,480 --> 00:06:26,600 Speaker 5: Yes, we do. We only started last year though, I 127 00:06:26,640 --> 00:06:30,680 Speaker 5: have been fortunate enough that as much as I don't 128 00:06:30,760 --> 00:06:34,520 Speaker 5: like talking about about finances, which is so funny, I'm 129 00:06:34,520 --> 00:06:38,000 Speaker 5: on a finance podcast right now. My mom is a 130 00:06:38,040 --> 00:06:39,039 Speaker 5: financial planner. 131 00:06:39,200 --> 00:06:41,800 Speaker 2: Oh my gosh, she she. 132 00:06:41,839 --> 00:06:44,120 Speaker 5: Is, actually, but it's not my financial planner because I 133 00:06:44,200 --> 00:06:46,960 Speaker 5: never want to talk about money, so it's just so funny. 134 00:06:46,960 --> 00:06:51,520 Speaker 5: But and my brother works in options trading. Oh my god. 135 00:06:51,680 --> 00:06:53,719 Speaker 2: So you're all finance and you're like, I'm still not 136 00:06:53,800 --> 00:06:56,520 Speaker 2: listening to you. I'll be your financial yann It's okay. 137 00:06:56,560 --> 00:06:59,919 Speaker 5: Yeah, basically, I just oh, well, I don't have one still, 138 00:07:00,120 --> 00:07:01,000 Speaker 5: so that would be great. 139 00:07:01,080 --> 00:07:03,640 Speaker 2: So then when you guys get back from Canada, hit 140 00:07:03,720 --> 00:07:05,839 Speaker 2: me up and we can do advice. You can stay 141 00:07:05,839 --> 00:07:07,000 Speaker 2: in Queensland. It's all good. 142 00:07:08,080 --> 00:07:09,440 Speaker 5: That would be absolutely perfect. 143 00:07:09,640 --> 00:07:12,080 Speaker 2: Can you imagine if the way I got new clients 144 00:07:12,840 --> 00:07:15,360 Speaker 2: with money diy money diaries, and I got your money 145 00:07:15,360 --> 00:07:17,960 Speaker 2: diaries and they're like mini interviews to be my client. 146 00:07:17,960 --> 00:07:19,080 Speaker 1: And then we got off the phone. 147 00:07:19,560 --> 00:07:21,520 Speaker 5: Quite brilliant, because then you know where I could sit 148 00:07:21,640 --> 00:07:25,320 Speaker 5: together if we're clients, it would be I. 149 00:07:25,280 --> 00:07:27,960 Speaker 2: Think you and I we're a dream team. I reckon. 150 00:07:30,480 --> 00:07:32,360 Speaker 5: Compliments each other perfectly. 151 00:07:32,600 --> 00:07:34,320 Speaker 1: We're going to get off the phone. 152 00:07:36,320 --> 00:07:37,800 Speaker 2: She's picking up what I'm putting down. 153 00:07:38,920 --> 00:07:40,840 Speaker 1: Yeah, I think it's a done deal. Do you guys 154 00:07:40,840 --> 00:07:41,520 Speaker 1: want me to last? 155 00:07:41,800 --> 00:07:44,320 Speaker 2: If you could just leave, we've got work to do. 156 00:07:45,880 --> 00:07:47,840 Speaker 5: I can't even remember what the question was now it 157 00:07:47,920 --> 00:07:48,559 Speaker 5: doesn't matter. 158 00:07:49,000 --> 00:07:51,600 Speaker 2: But we've learned that money Diarist's mum is actually a 159 00:07:51,640 --> 00:07:53,240 Speaker 2: financial advisor. 160 00:07:52,960 --> 00:07:56,960 Speaker 1: And she's got a financial advisor. Now it's you. 161 00:07:56,720 --> 00:07:58,840 Speaker 5: You're my financial circle. 162 00:08:01,840 --> 00:08:02,000 Speaker 1: Oh. 163 00:08:02,080 --> 00:08:05,200 Speaker 5: I remember my brother he worked in options anyway, So 164 00:08:05,240 --> 00:08:10,200 Speaker 5: I hadn't invested into anything until last year. And it 165 00:08:10,320 --> 00:08:13,720 Speaker 5: was because my brother, who basically was spending all day 166 00:08:14,120 --> 00:08:17,280 Speaker 5: every day looking at charts, was saying, if you're going 167 00:08:17,360 --> 00:08:19,080 Speaker 5: to do it, you should do it now, like when 168 00:08:19,160 --> 00:08:20,120 Speaker 5: COVID was happening. 169 00:08:20,440 --> 00:08:21,720 Speaker 2: Yeah. 170 00:08:21,800 --> 00:08:25,880 Speaker 5: So yes, So we had a lot of all of 171 00:08:25,880 --> 00:08:28,440 Speaker 5: our savings because we weren't able to travel and we 172 00:08:28,560 --> 00:08:30,440 Speaker 5: just had a baby, and we were just kind of 173 00:08:31,280 --> 00:08:34,480 Speaker 5: had all our money in cash, and so he convinced 174 00:08:34,559 --> 00:08:38,000 Speaker 5: us to start investing them. So that's when we put 175 00:08:38,120 --> 00:08:40,920 Speaker 5: money into like some specific companies. 176 00:08:40,960 --> 00:08:45,160 Speaker 2: And that's so exciting for those of you playing a 177 00:08:45,240 --> 00:08:48,360 Speaker 2: lot at home. What happened during COVID was a lot 178 00:08:48,400 --> 00:08:52,320 Speaker 2: of markets crashed because they couldn't either be sustained or 179 00:08:52,360 --> 00:08:54,760 Speaker 2: people were really you know, a lot of fear was 180 00:08:54,760 --> 00:08:56,760 Speaker 2: happening in the market at that point in time, which 181 00:08:56,800 --> 00:09:00,880 Speaker 2: meant that the share market decreased in value. Money, Dorist, 182 00:09:00,960 --> 00:09:03,280 Speaker 2: I'm assuming has put some money in at a low 183 00:09:03,320 --> 00:09:05,800 Speaker 2: point in the market, which is actually the time of 184 00:09:05,920 --> 00:09:09,520 Speaker 2: most opportunity, and I'm assuming money Dorist. Am I right 185 00:09:09,559 --> 00:09:11,640 Speaker 2: when I say you've probably done pretty well over the 186 00:09:11,720 --> 00:09:13,280 Speaker 2: last six months. 187 00:09:13,600 --> 00:09:17,000 Speaker 5: I absolutely have this career. You are on the money. 188 00:09:17,240 --> 00:09:19,480 Speaker 2: Thank you, thank you, And she's witty. 189 00:09:19,600 --> 00:09:22,160 Speaker 1: I love her dream client dream cla. 190 00:09:22,880 --> 00:09:25,160 Speaker 2: Right, we'll move away from investments and ask do you 191 00:09:25,240 --> 00:09:26,920 Speaker 2: currently have any debts? 192 00:09:27,960 --> 00:09:31,760 Speaker 5: No that we don't own a house, No, not yet, 193 00:09:32,160 --> 00:09:35,079 Speaker 5: we've not yet. We plan to have debt when we 194 00:09:35,480 --> 00:09:40,000 Speaker 5: buy a house, but we don't have any credit cards 195 00:09:40,000 --> 00:09:43,400 Speaker 5: that we're renting at the moment, and we paid for 196 00:09:43,480 --> 00:09:48,040 Speaker 5: our cars outright. We yeah, we pretty much always try 197 00:09:48,120 --> 00:09:52,000 Speaker 5: to stick with the like living within our means. So yeah, 198 00:09:52,040 --> 00:09:53,160 Speaker 5: no debt, that's the moment. 199 00:09:53,360 --> 00:09:56,640 Speaker 2: So that's a beautiful mentality, and I think a lot 200 00:09:56,640 --> 00:09:58,760 Speaker 2: of people are listening to it being like wow, like 201 00:09:58,800 --> 00:10:02,160 Speaker 2: I wish that was me. Have you ever been in debt? 202 00:10:03,320 --> 00:10:03,560 Speaker 5: No? 203 00:10:03,960 --> 00:10:06,800 Speaker 2: So what do you haven't stopped you from getting in debt? 204 00:10:06,880 --> 00:10:10,600 Speaker 2: Like obviously growing up, you know, we live in I 205 00:10:10,600 --> 00:10:12,840 Speaker 2: would say, the age of Instagram at the moment where 206 00:10:12,920 --> 00:10:14,199 Speaker 2: you know, everything. 207 00:10:13,880 --> 00:10:14,560 Speaker 5: Is forced to us. 208 00:10:14,600 --> 00:10:16,840 Speaker 2: A lot of us feel like we should be spending 209 00:10:16,920 --> 00:10:19,520 Speaker 2: more than we're earning. How have you managed to slip 210 00:10:19,520 --> 00:10:22,000 Speaker 2: through the cracks of not ever being in debt and 211 00:10:22,200 --> 00:10:24,760 Speaker 2: having no consumer debt? Like what does that look like? 212 00:10:24,920 --> 00:10:27,640 Speaker 4: Especially with a career on Instagram now as well? 213 00:10:27,720 --> 00:10:31,640 Speaker 2: Yeah, exactly, career on Instagram. You've got a husband, Yeah, 214 00:10:31,679 --> 00:10:33,760 Speaker 2: you've got a husband, You've got a baby, Like, what 215 00:10:33,880 --> 00:10:34,400 Speaker 2: have you done? 216 00:10:34,440 --> 00:10:35,120 Speaker 1: I want to learn? 217 00:10:37,200 --> 00:10:40,640 Speaker 5: So basically, I think from when I was like at 218 00:10:40,760 --> 00:10:44,439 Speaker 5: university and I was working like in retail, and I've 219 00:10:44,440 --> 00:10:46,240 Speaker 5: always had a credit card. So it's not that I 220 00:10:46,280 --> 00:10:49,200 Speaker 5: don't have a credit card. I do that because I 221 00:10:49,240 --> 00:10:53,520 Speaker 5: want the credit score and everything that comes associated to 222 00:10:53,600 --> 00:10:56,200 Speaker 5: it and like being able to learn down to learn 223 00:10:56,280 --> 00:10:59,440 Speaker 5: to pay off my debt. But I think having a 224 00:10:59,480 --> 00:11:02,680 Speaker 5: financial planner for a mom just in the back of 225 00:11:02,720 --> 00:11:07,200 Speaker 5: your head like drills down, like budgeting and knowing what 226 00:11:07,280 --> 00:11:09,600 Speaker 5: bills are going to be able to come in and 227 00:11:09,640 --> 00:11:11,440 Speaker 5: how much are you're going to be earning in that 228 00:11:11,520 --> 00:11:15,280 Speaker 5: fortnight or that month, and identifying the gap of how 229 00:11:15,360 --> 00:11:17,760 Speaker 5: much money you have left over. Now, I won't say 230 00:11:17,800 --> 00:11:20,640 Speaker 5: I've always been the best saver, like that money that 231 00:11:20,760 --> 00:11:24,640 Speaker 5: was left over. I love shopping, loves beauty of costs, 232 00:11:25,080 --> 00:11:27,920 Speaker 5: and so I'm big on spending that. But I think 233 00:11:28,320 --> 00:11:30,920 Speaker 5: the way, the thing that drives me the most to 234 00:11:31,240 --> 00:11:34,640 Speaker 5: never go into that is I've always had goals, financial 235 00:11:34,679 --> 00:11:36,920 Speaker 5: goals of things that I'm saving for. If I don't 236 00:11:36,920 --> 00:11:39,640 Speaker 5: have that, I tend to just like chuck money around 237 00:11:39,800 --> 00:11:42,640 Speaker 5: everywhere without really thinking about it. But I think just 238 00:11:42,720 --> 00:11:48,319 Speaker 5: having goals and always like working hard. I've definitely increased 239 00:11:48,320 --> 00:11:52,240 Speaker 5: my income and along with that increased costs. But yeah, 240 00:11:52,320 --> 00:11:55,400 Speaker 5: just having goals kind of keeps me accountable. And We've 241 00:11:55,440 --> 00:11:57,240 Speaker 5: done a lot of traveling, so I've kind of just 242 00:11:57,280 --> 00:11:58,880 Speaker 5: always had that in the back of my mind. 243 00:11:59,280 --> 00:12:01,400 Speaker 2: Yeah, do you think having a mom that was a 244 00:12:01,480 --> 00:12:04,800 Speaker 2: financial advisor, regardless of whether you know you let her 245 00:12:04,800 --> 00:12:07,320 Speaker 2: be your advisor, which, in all honesty, I love my 246 00:12:07,400 --> 00:12:10,000 Speaker 2: mom to death, but you best believe I would never 247 00:12:10,080 --> 00:12:13,000 Speaker 2: let her be my financial advisor, mainly because she's an 248 00:12:13,000 --> 00:12:17,040 Speaker 2: autopsy technician. Do you reckon? That's probably why? Probably anyway, 249 00:12:19,640 --> 00:12:21,600 Speaker 2: So do you think that having a mom is a 250 00:12:21,600 --> 00:12:25,280 Speaker 2: financial advisor set you up a little bit differently when 251 00:12:25,320 --> 00:12:28,719 Speaker 2: it came to money, even though you probably weren't wanting financially. 252 00:12:29,080 --> 00:12:33,280 Speaker 5: So yeah, I think so, because I definitely don't have 253 00:12:33,400 --> 00:12:36,000 Speaker 5: her as my financial advisor fame as you, I think 254 00:12:36,440 --> 00:12:41,040 Speaker 5: I want to keep those relationships separate. But I think 255 00:12:41,480 --> 00:12:45,079 Speaker 5: just seeing her and how she has worked with mine. 256 00:12:45,160 --> 00:12:48,440 Speaker 5: She's a single mom, My parents are separated, and so 257 00:12:48,720 --> 00:12:52,720 Speaker 5: I've always just kind of watched her with finances on 258 00:12:52,800 --> 00:12:56,040 Speaker 5: the single income and how to like we don't come 259 00:12:56,040 --> 00:12:59,640 Speaker 5: from like a wealthy whether it's like average kind of 260 00:13:00,400 --> 00:13:03,400 Speaker 5: situation that a lot of Australians would be in, and 261 00:13:03,520 --> 00:13:06,200 Speaker 5: so she's kind of had to be very good at budgeting. 262 00:13:06,240 --> 00:13:08,920 Speaker 5: And I think I'm the oldest child, like I have 263 00:13:09,000 --> 00:13:14,040 Speaker 5: a younger brother, so I've been aware of what like 264 00:13:14,280 --> 00:13:17,040 Speaker 5: how far money can go, and you really have to 265 00:13:17,040 --> 00:13:20,880 Speaker 5: be careful with what you spend, otherwise you don't have 266 00:13:20,960 --> 00:13:21,760 Speaker 5: money to live. 267 00:13:22,040 --> 00:13:22,880 Speaker 1: I guess it's true. 268 00:13:24,000 --> 00:13:27,160 Speaker 5: Yeah, so I feel like I'm just aware that you 269 00:13:27,240 --> 00:13:30,840 Speaker 5: need money, and budgeting has just been always such a 270 00:13:30,840 --> 00:13:31,800 Speaker 5: big part of our life. 271 00:13:31,960 --> 00:13:34,440 Speaker 2: Yeah, And I guess it's important to point out that, 272 00:13:34,559 --> 00:13:37,880 Speaker 2: you know, we don't create our own money stories, but 273 00:13:38,240 --> 00:13:40,719 Speaker 2: we are a product of our environment, right, Like, if 274 00:13:40,760 --> 00:13:43,760 Speaker 2: we are being surrounded by people making good money decisions 275 00:13:43,800 --> 00:13:47,160 Speaker 2: and having conversations around money, it's very likely that you 276 00:13:47,240 --> 00:13:50,080 Speaker 2: are too going to be making good money decisions because 277 00:13:50,120 --> 00:13:52,920 Speaker 2: that's just what you were taught. And yeah, I found 278 00:13:52,960 --> 00:13:56,160 Speaker 2: people who are in debt and you know, see a 279 00:13:56,200 --> 00:13:58,240 Speaker 2: credit card as just a tool to use. You just 280 00:13:58,280 --> 00:14:01,320 Speaker 2: grow up thinking, all right, well, credit cards great, Like 281 00:14:01,360 --> 00:14:03,680 Speaker 2: I use credit card, my parents use credit cards. It's fine, 282 00:14:03,720 --> 00:14:07,400 Speaker 2: Like it's not actually in your control. But sometimes people 283 00:14:07,440 --> 00:14:09,200 Speaker 2: grow up and they're like, oh, I didn't actually realize 284 00:14:09,200 --> 00:14:11,200 Speaker 2: that my good money habits came from the factor that 285 00:14:11,280 --> 00:14:13,679 Speaker 2: I was just surrounded by great money habits. And a 286 00:14:13,720 --> 00:14:16,120 Speaker 2: lot of people think that you learn it in your 287 00:14:16,120 --> 00:14:19,000 Speaker 2: early twenties, when in reality, it's been ingrained in you 288 00:14:19,080 --> 00:14:21,200 Speaker 2: since you were seven years old, which is cool to 289 00:14:21,240 --> 00:14:25,280 Speaker 2: think about, but also so interesting to start asking other people, Hey, 290 00:14:25,280 --> 00:14:26,840 Speaker 2: where do you think that came from? Like why have 291 00:14:26,920 --> 00:14:29,760 Speaker 2: you never been in debt despite the fact that you're 292 00:14:29,760 --> 00:14:32,120 Speaker 2: a millennial and you know you've grown up in the 293 00:14:32,160 --> 00:14:35,240 Speaker 2: same age as we have. How did that work? 294 00:14:35,440 --> 00:14:38,800 Speaker 4: And also the common misconception that good money habits come 295 00:14:38,880 --> 00:14:41,200 Speaker 4: from being from a wealthy family. 296 00:14:41,320 --> 00:14:44,160 Speaker 2: No, it's just not true, absolutely not. And I've said 297 00:14:44,160 --> 00:14:45,520 Speaker 2: this before, and I know we're not meant to be 298 00:14:45,600 --> 00:14:47,600 Speaker 2: having the conversation now, We're meant to be asking question 299 00:14:47,800 --> 00:14:50,280 Speaker 2: now that her heart's my podcast, Don't do what I Want. 300 00:14:51,360 --> 00:14:54,480 Speaker 2: It's interesting because some of my wealthiest clients are the 301 00:14:54,520 --> 00:14:57,600 Speaker 2: ones that don't have the biggest incomes. They're the ones 302 00:14:57,640 --> 00:15:00,000 Speaker 2: that have actually just been really consistent and really understand 303 00:15:00,040 --> 00:15:02,320 Speaker 2: owning of their budget, and you know, they understood the 304 00:15:02,400 --> 00:15:04,440 Speaker 2: value of a dollar. And while so I can't say 305 00:15:04,440 --> 00:15:07,320 Speaker 2: I've been their financial advisor, you know from the very start, 306 00:15:07,320 --> 00:15:10,320 Speaker 2: because they've been doing this for the past forty fifty years, 307 00:15:11,040 --> 00:15:12,640 Speaker 2: they've come to me and you can just see that 308 00:15:12,800 --> 00:15:15,960 Speaker 2: consistency and see their history and see why they're in 309 00:15:16,000 --> 00:15:18,960 Speaker 2: that position and they're not on six figure incomes. They're 310 00:15:18,960 --> 00:15:22,960 Speaker 2: on you know, five figure, really normal incomes that put 311 00:15:23,000 --> 00:15:25,200 Speaker 2: them in a preferential space. And I just think there's 312 00:15:25,240 --> 00:15:27,400 Speaker 2: so much power to it. And that's why I guess 313 00:15:27,400 --> 00:15:29,760 Speaker 2: we're here me trying to share more stories. 314 00:15:30,200 --> 00:15:31,840 Speaker 1: I love that. That's really nice. 315 00:15:32,120 --> 00:15:33,600 Speaker 2: Well, do you want to get to the other question? 316 00:15:33,720 --> 00:15:37,040 Speaker 1: Yep, Sorry, many tyris. We've really got. 317 00:15:36,360 --> 00:15:38,200 Speaker 2: We've gotten off crack, but I think it was a 318 00:15:38,200 --> 00:15:41,600 Speaker 2: good derail. But let's jump back on the train of questions. 319 00:15:41,760 --> 00:15:44,440 Speaker 2: The next question is what is your best money habit? 320 00:15:45,200 --> 00:15:47,960 Speaker 5: Oh, my best money habit, I think paying off their 321 00:15:48,040 --> 00:15:52,640 Speaker 5: credit cards and looking through my life bank account apps, 322 00:15:52,920 --> 00:15:55,200 Speaker 5: like just to know where my money is going. I 323 00:15:55,200 --> 00:15:58,560 Speaker 5: think out a side, out of mind. It's definitely a 324 00:15:58,600 --> 00:16:01,520 Speaker 5: problem for me. And if I'm not looking at what 325 00:16:01,640 --> 00:16:05,960 Speaker 5: I'm spending, I go into this vortex of just spending, spending, spending, 326 00:16:06,400 --> 00:16:08,920 Speaker 5: and that definitely happened, has happened to me before. And 327 00:16:09,000 --> 00:16:11,280 Speaker 5: I've even had to go to my husband. We share 328 00:16:11,280 --> 00:16:13,680 Speaker 5: a bank account, but he's never like come to me 329 00:16:13,720 --> 00:16:15,200 Speaker 5: and be like, why are you spending this? But I 330 00:16:15,240 --> 00:16:17,920 Speaker 5: have to go to him and be like, can we 331 00:16:18,000 --> 00:16:20,560 Speaker 5: like that? I called it Money Mondays, and I was like, 332 00:16:20,720 --> 00:16:21,400 Speaker 5: oh my god. 333 00:16:21,440 --> 00:16:23,560 Speaker 2: You do you want to do the content shades on 334 00:16:23,600 --> 00:16:24,560 Speaker 2: the money moving forward? 335 00:16:25,320 --> 00:16:29,960 Speaker 5: Oh my god, I absolutely can in the world moving Canada, Yes, 336 00:16:30,200 --> 00:16:32,920 Speaker 5: money mondays. And that's when I sit down with him 337 00:16:33,240 --> 00:16:37,080 Speaker 5: and we go through our bank app and which has 338 00:16:37,120 --> 00:16:40,280 Speaker 5: all of our accounts in it and our like trading 339 00:16:40,480 --> 00:16:43,000 Speaker 5: and shares and blah blah blah, and I'm like, can 340 00:16:43,120 --> 00:16:45,320 Speaker 5: we just go through it so that I can see 341 00:16:45,360 --> 00:16:48,600 Speaker 5: it and understand every single thing that we're kind of 342 00:16:48,600 --> 00:16:51,560 Speaker 5: spending and most of it's me spending, but it just. 343 00:16:51,560 --> 00:16:53,160 Speaker 1: Makes me accountaful aware of it. 344 00:16:53,240 --> 00:16:55,800 Speaker 5: I think seeing accountaful, I'm aware. I think that's my 345 00:16:55,840 --> 00:16:58,320 Speaker 5: biggest thing, is like I make an effort to be 346 00:16:58,360 --> 00:17:00,720 Speaker 5: aware of what I'm spending, and then I am much 347 00:17:00,760 --> 00:17:01,680 Speaker 5: more conscious. 348 00:17:01,800 --> 00:17:03,880 Speaker 2: And that's half the battle, right, That's the one thing 349 00:17:03,920 --> 00:17:05,680 Speaker 2: that we all bury our heads in the sand about. 350 00:17:05,680 --> 00:17:07,880 Speaker 2: We don't want to just be faced with what we're spending. 351 00:17:07,920 --> 00:17:10,000 Speaker 2: And if you can jump that hurdle, you can jump 352 00:17:10,000 --> 00:17:10,879 Speaker 2: any money hurdle. 353 00:17:12,040 --> 00:17:16,080 Speaker 5: Yes, And because I am definitely an impulse spender and 354 00:17:16,280 --> 00:17:19,280 Speaker 5: if no one checks me and I just go out 355 00:17:19,320 --> 00:17:22,760 Speaker 5: and like, like all these brands are having these trails 356 00:17:22,760 --> 00:17:28,240 Speaker 5: and you our credit card number off by heart. And 357 00:17:28,280 --> 00:17:31,639 Speaker 5: my husband was like, that's the problem, because why do 358 00:17:32,040 --> 00:17:33,600 Speaker 5: our credit card number off by heart? 359 00:17:33,920 --> 00:17:36,280 Speaker 2: She's a genius. She's just really good with numbers. Her 360 00:17:36,320 --> 00:17:40,800 Speaker 2: mum's a financial advisor. Why don't you understand if you 361 00:17:40,840 --> 00:17:42,199 Speaker 2: need me to back you up, I've got you. 362 00:17:43,200 --> 00:17:44,000 Speaker 5: Okay, thank you. 363 00:17:44,320 --> 00:17:44,720 Speaker 1: All right? 364 00:17:44,840 --> 00:17:47,400 Speaker 2: And what is your worst money habit. 365 00:17:48,760 --> 00:17:52,960 Speaker 5: Also the fact that I am an impulse spender. I 366 00:17:53,000 --> 00:17:57,560 Speaker 5: think that sometimes I do find it hard to put 367 00:17:58,280 --> 00:18:00,240 Speaker 5: I know you have the rule of putting like twenty 368 00:18:00,280 --> 00:18:03,639 Speaker 5: four hours between yourself and a person. 369 00:18:03,920 --> 00:18:05,280 Speaker 2: Yeah, I do really I that. 370 00:18:05,480 --> 00:18:10,399 Speaker 5: Yeah, yes, I've heard that. I try to implement it, 371 00:18:10,480 --> 00:18:12,200 Speaker 5: but I don't always do that. 372 00:18:12,600 --> 00:18:13,280 Speaker 2: It's harder. 373 00:18:15,960 --> 00:18:19,800 Speaker 5: Yes, definitely. Things are shiny and I need it, Like basically, 374 00:18:19,920 --> 00:18:23,440 Speaker 5: I really struggle to do that. I go through weeks 375 00:18:23,480 --> 00:18:25,199 Speaker 5: where I'm like, I'm so good at this and I 376 00:18:25,240 --> 00:18:27,520 Speaker 5: have like goals. Well it's just the same as like 377 00:18:27,560 --> 00:18:29,840 Speaker 5: a diet, like I feel like start off really well 378 00:18:29,880 --> 00:18:30,840 Speaker 5: and then I fall off. 379 00:18:31,880 --> 00:18:34,639 Speaker 2: But that's so true, and most people do want budgets, 380 00:18:34,640 --> 00:18:36,480 Speaker 2: and that's why you just want to have some kind 381 00:18:36,480 --> 00:18:39,040 Speaker 2: of life rules where you're trying to work towards them. 382 00:18:39,080 --> 00:18:41,040 Speaker 2: But do you know what, it's okay if you sometimes 383 00:18:41,040 --> 00:18:43,879 Speaker 2: fall off the bandwagon, it's impart of you. 384 00:18:43,920 --> 00:18:47,720 Speaker 5: Guys definitely fall off. Yeah, so I probably fall off 385 00:18:47,720 --> 00:18:52,159 Speaker 5: for a few weeks and then I recognize myself and 386 00:18:52,200 --> 00:18:56,600 Speaker 5: then I so often start again and so consistent and overtime, 387 00:18:56,680 --> 00:19:04,080 Speaker 5: consistently it is everything, absolutely every single week, like it 388 00:19:04,800 --> 00:19:07,159 Speaker 5: all does add up, and when you see the result 389 00:19:07,240 --> 00:19:09,960 Speaker 5: in your bank, like it drives you and keeps motivating me. 390 00:19:10,400 --> 00:19:13,320 Speaker 2: Yeah, totally. I want to keep this conversation going, but 391 00:19:13,440 --> 00:19:15,440 Speaker 2: we do have to take a quick break, so we'll 392 00:19:15,480 --> 00:19:26,840 Speaker 2: jump back into the questions in just a moment. Okay, 393 00:19:27,000 --> 00:19:29,439 Speaker 2: now we're back from the break, Tony, I feel like 394 00:19:29,440 --> 00:19:32,439 Speaker 2: we've got a golden opportunity here to ask some really 395 00:19:32,560 --> 00:19:36,440 Speaker 2: heavy questions about how influencers get paid because we see 396 00:19:36,440 --> 00:19:40,000 Speaker 2: all over Instagram paid or you know, paid sponsorship, That's 397 00:19:40,000 --> 00:19:42,560 Speaker 2: what I said, But we don't often get to see 398 00:19:42,600 --> 00:19:45,240 Speaker 2: how that happens, especially from someone who's just new to 399 00:19:45,280 --> 00:19:47,280 Speaker 2: the industry, Like, how do you crack into it? So 400 00:19:47,480 --> 00:19:51,040 Speaker 2: money diarist, how did you begin your influencer journey? Is 401 00:19:51,080 --> 00:19:52,080 Speaker 2: that what we're going to call it? 402 00:19:52,960 --> 00:19:58,400 Speaker 5: Oh? Yeah, influencer journey sounds accurate to me. So it's 403 00:19:58,480 --> 00:20:02,720 Speaker 5: quite interesting because I I started my Instagram account last 404 00:20:03,200 --> 00:20:08,760 Speaker 5: July so twenty twenty was during the pandemic. I was 405 00:20:08,800 --> 00:20:13,720 Speaker 5: on maternity leave with my little boy, Charlie, and I 406 00:20:13,800 --> 00:20:16,400 Speaker 5: hadn't gone back to work yet, so I was at 407 00:20:16,400 --> 00:20:22,640 Speaker 5: home and I was really kind of struggling with my identity, 408 00:20:22,840 --> 00:20:26,199 Speaker 5: like I was diagnosed with for partum depression, and so 409 00:20:26,320 --> 00:20:30,720 Speaker 5: I was very aware that I liked work and I 410 00:20:30,920 --> 00:20:34,359 Speaker 5: liked to be doing things for myself as well and 411 00:20:34,520 --> 00:20:37,560 Speaker 5: feeling like I'm being able to help other people. And 412 00:20:38,080 --> 00:20:42,399 Speaker 5: I developed very oral dermatitis also while I was on 413 00:20:42,480 --> 00:20:45,120 Speaker 5: maternity leave looking after my little boy, which I won. 414 00:20:46,000 --> 00:20:47,840 Speaker 5: I had never had it before. I didn't know what 415 00:20:47,920 --> 00:20:50,639 Speaker 5: it was. I thought it was like hormonal act basically, 416 00:20:50,720 --> 00:20:52,280 Speaker 5: if you don't know what it is, it's like all 417 00:20:52,320 --> 00:20:56,520 Speaker 5: these red, little dry bumps that go around your chin 418 00:20:57,320 --> 00:21:00,199 Speaker 5: up to your nose and even on the corner of 419 00:21:00,240 --> 00:21:04,480 Speaker 5: your eyes. And I didn't even know as a doctor 420 00:21:04,520 --> 00:21:07,200 Speaker 5: for Charlie and I was like, oh, can you look 421 00:21:07,240 --> 00:21:09,800 Speaker 5: at my face? And they were like, oh, it's Perry 422 00:21:09,840 --> 00:21:13,240 Speaker 5: old damitis. I was like, what is that? Never heard 423 00:21:13,280 --> 00:21:14,760 Speaker 5: of it before. I had to go away and do 424 00:21:14,840 --> 00:21:17,960 Speaker 5: all my research and I changed all my skin care. 425 00:21:18,040 --> 00:21:21,000 Speaker 5: And I had never been part of the skincare community 426 00:21:21,560 --> 00:21:25,240 Speaker 5: before getting very old dampires like that my own my 427 00:21:25,280 --> 00:21:29,359 Speaker 5: personal social media. I loved makeup, but I was not 428 00:21:29,400 --> 00:21:31,840 Speaker 5: spending a lot of time in that space. And I 429 00:21:31,920 --> 00:21:35,480 Speaker 5: just started my Instagram page basically to share my journey 430 00:21:36,040 --> 00:21:38,480 Speaker 5: after I was able to clear it, and like, what's 431 00:21:38,600 --> 00:21:41,560 Speaker 5: that process look like? Just from a personal point of view, 432 00:21:41,600 --> 00:21:43,919 Speaker 5: not to like be a doctor to anyone, but just 433 00:21:43,960 --> 00:21:45,440 Speaker 5: say this is what I had. 434 00:21:45,880 --> 00:21:48,399 Speaker 2: Yeah, and it sounds like you're an educated woman sharing 435 00:21:48,440 --> 00:21:50,639 Speaker 2: a journey, and like that's something that I don't know 436 00:21:50,680 --> 00:21:52,640 Speaker 2: if I was going through that, That's exactly what i'd 437 00:21:52,680 --> 00:21:53,400 Speaker 2: be looking for. 438 00:21:53,920 --> 00:21:55,919 Speaker 5: Well, that was it. Like when I had it, I 439 00:21:55,960 --> 00:21:58,680 Speaker 5: didn't know anyone else with it, and I just felt 440 00:21:58,680 --> 00:22:00,560 Speaker 5: so alone, and so I was like, oh, maybe this 441 00:22:00,640 --> 00:22:03,399 Speaker 5: will help one at least one person, and then just 442 00:22:03,440 --> 00:22:06,960 Speaker 5: started sharing all of the skincare that I was enjoying 443 00:22:07,119 --> 00:22:10,240 Speaker 5: and buying, and because at that stage I was just 444 00:22:10,359 --> 00:22:12,040 Speaker 5: I wasn't going to pay for anything. I was just 445 00:22:12,640 --> 00:22:15,760 Speaker 5: showing things that I had in my house with my 446 00:22:16,440 --> 00:22:20,080 Speaker 5: terrible photography back then because I didn't I didn't have 447 00:22:20,119 --> 00:22:22,760 Speaker 5: those skills, Like I've been in marketing for ten years 448 00:22:22,880 --> 00:22:28,040 Speaker 5: life from wright, but learning the Instagram world is completely 449 00:22:28,119 --> 00:22:30,760 Speaker 5: like a whole news side that I had to upskill myself. 450 00:22:31,320 --> 00:22:34,399 Speaker 5: And yeah, brands were like could just tell that I 451 00:22:34,480 --> 00:22:40,680 Speaker 5: had the authenticity and I wasn't filtered and basically everything 452 00:22:40,800 --> 00:22:44,639 Speaker 5: was unedited and it was like a real person that 453 00:22:44,800 --> 00:22:47,920 Speaker 5: was a mom going through skin issues and sharing things 454 00:22:47,960 --> 00:22:51,480 Speaker 5: that were working for her. And I guess that's been 455 00:22:51,800 --> 00:22:54,760 Speaker 5: a great thing for me because at the moment, brands 456 00:22:54,760 --> 00:22:58,120 Speaker 5: are looking exactly for people like me. So yeah, it's 457 00:22:58,160 --> 00:22:58,840 Speaker 5: been really good. 458 00:22:59,080 --> 00:23:01,119 Speaker 2: How good is that? And I feel like in twenty 459 00:23:01,160 --> 00:23:04,480 Speaker 2: twenty one, you know, Tony and I we have Instagram, 460 00:23:04,520 --> 00:23:06,880 Speaker 2: We're on it all the time, and I just can 461 00:23:07,000 --> 00:23:11,240 Speaker 2: see through brands campaigns that aren't exactly transparent. I can 462 00:23:11,280 --> 00:23:15,320 Speaker 2: see if it's not a wholesome, you know, really open conversation, 463 00:23:15,880 --> 00:23:17,959 Speaker 2: and I just it makes me, It gives me what 464 00:23:18,040 --> 00:23:20,159 Speaker 2: I call the eg Like it just makes me go 465 00:23:20,640 --> 00:23:22,760 Speaker 2: like I can't be bothered, Like I just want to 466 00:23:22,760 --> 00:23:26,359 Speaker 2: see real people doing real things and real reviews. And 467 00:23:26,720 --> 00:23:29,080 Speaker 2: you know, I've stretched into that space now too, and 468 00:23:29,160 --> 00:23:31,520 Speaker 2: I'm really grateful for it. It's a bit weird, isn't 469 00:23:31,520 --> 00:23:35,560 Speaker 2: it Influencing? Yeah, but I say no to ninety nine 470 00:23:35,600 --> 00:23:38,479 Speaker 2: percent of the story that comes through because it's just 471 00:23:38,600 --> 00:23:41,080 Speaker 2: it's not honest, it's not authentic, it's not what I 472 00:23:41,119 --> 00:23:44,199 Speaker 2: want to do. And you know, I do accept like 473 00:23:44,240 --> 00:23:47,440 Speaker 2: complimentary products only if I'm already using them or only 474 00:23:47,480 --> 00:23:49,800 Speaker 2: if I genuinely want to try them. And one of 475 00:23:49,800 --> 00:23:52,760 Speaker 2: my favorite skincare brands, Oh, I felt like I've made 476 00:23:52,760 --> 00:23:54,919 Speaker 2: it like I'm obsessed with I don't know if you know, 477 00:23:55,000 --> 00:23:58,280 Speaker 2: Aspect Skincare, but I post about them all the time. 478 00:23:58,480 --> 00:24:00,760 Speaker 2: And then because I was posting about them, they sent 479 00:24:00,800 --> 00:24:03,960 Speaker 2: me a couple of little prezzies and I was, honestly, 480 00:24:04,040 --> 00:24:06,119 Speaker 2: I was so grateful for it. So obviously I spoke 481 00:24:06,160 --> 00:24:08,600 Speaker 2: about them. But I feel like that makes me an influencer, 482 00:24:08,640 --> 00:24:11,040 Speaker 2: right Tony, I think so, Yeah, thank you. I was 483 00:24:11,119 --> 00:24:12,879 Speaker 2: very grateful for it. But just like you, I'm a 484 00:24:12,880 --> 00:24:16,439 Speaker 2: bit of a skincare fine. But I guess my question 485 00:24:16,600 --> 00:24:18,840 Speaker 2: is how did it start for you? Did someone just 486 00:24:18,840 --> 00:24:21,159 Speaker 2: slide into your DMS and offer you some product or 487 00:24:21,280 --> 00:24:23,360 Speaker 2: did you reach out to them or how does this 488 00:24:23,600 --> 00:24:24,560 Speaker 2: how does it kick off? 489 00:24:25,160 --> 00:24:29,399 Speaker 5: So to me, I was posting specifically about the products 490 00:24:29,480 --> 00:24:34,280 Speaker 5: that helped my parro old dermatitis, and so I was 491 00:24:34,400 --> 00:24:38,879 Speaker 5: using Mugu Biology skincare and Ultra Violet. And I think 492 00:24:38,960 --> 00:24:42,439 Speaker 5: that the brand just saw me tagging them and like 493 00:24:42,600 --> 00:24:45,919 Speaker 5: kind of responding to them and like they DM and 494 00:24:46,080 --> 00:24:49,560 Speaker 5: eventually Like Biology reached out to me and they said 495 00:24:49,600 --> 00:24:54,080 Speaker 5: that they would be happy to send me some products 496 00:24:54,119 --> 00:24:57,800 Speaker 5: and a disc out code to be able to use 497 00:24:58,000 --> 00:25:03,320 Speaker 5: with my audience. So I wasn't getting paid, but it 498 00:25:03,359 --> 00:25:05,600 Speaker 5: was like a test, I guess, like to see if 499 00:25:05,640 --> 00:25:09,520 Speaker 5: my audience was truly engaged. And so we did that 500 00:25:09,600 --> 00:25:13,679 Speaker 5: for six weeks and they had forty seven unique code 501 00:25:13,680 --> 00:25:19,399 Speaker 5: redemptions follow I had four hundred followers at this time. 502 00:25:19,520 --> 00:25:20,399 Speaker 5: I was a baby. 503 00:25:20,440 --> 00:25:22,040 Speaker 1: Oh my gosh, that conversion. 504 00:25:22,440 --> 00:25:26,320 Speaker 2: That's cool, that American's dream and what we care about. 505 00:25:26,480 --> 00:25:29,560 Speaker 2: Like obviously we have an Instagram account and whenever we 506 00:25:29,600 --> 00:25:33,040 Speaker 2: talk brands, they always ask what our engagement rate is. 507 00:25:33,400 --> 00:25:35,000 Speaker 2: Yours must be massive. 508 00:25:36,000 --> 00:25:39,119 Speaker 5: It is quite a good conversion. And I ended up 509 00:25:39,160 --> 00:25:42,359 Speaker 5: working with them for four and a half months and 510 00:25:42,400 --> 00:25:45,359 Speaker 5: I did two hundred and seventy eight conversions in that 511 00:25:45,520 --> 00:25:51,320 Speaker 5: time and over twenty thousand dollars in sales for und. 512 00:25:50,640 --> 00:25:53,679 Speaker 2: So good that I bet that stoked with you. So 513 00:25:53,760 --> 00:25:56,119 Speaker 2: to move a little bit away from the influencer stuff 514 00:25:56,119 --> 00:25:58,920 Speaker 2: for a minute, how have you budgeted to move to Canada? 515 00:25:59,040 --> 00:26:01,640 Speaker 2: How's that going to work? Especially you know you said 516 00:26:01,680 --> 00:26:04,359 Speaker 2: before that your husband is still studying and you're moving 517 00:26:04,440 --> 00:26:08,800 Speaker 2: for that. How's that all going? So? 518 00:26:09,000 --> 00:26:13,119 Speaker 5: Basically with budgets that we will be using most of 519 00:26:13,160 --> 00:26:18,520 Speaker 5: our savings. We did make Aditial an initial spreadsheet kind 520 00:26:18,520 --> 00:26:20,720 Speaker 5: of with all the past that we had to do 521 00:26:20,760 --> 00:26:24,879 Speaker 5: in order to move and the rough cost of what 522 00:26:24,920 --> 00:26:27,040 Speaker 5: we thought that would be, and we've kind of just 523 00:26:27,080 --> 00:26:30,320 Speaker 5: been sicking throughout to do lists. So and then we've 524 00:26:30,359 --> 00:26:33,560 Speaker 5: just created like a buffer amount in our savings that 525 00:26:33,640 --> 00:26:36,720 Speaker 5: we are not touching that we're just using for our 526 00:26:36,760 --> 00:26:41,520 Speaker 5: time over in Canada, because until we get his salary 527 00:26:41,760 --> 00:26:44,760 Speaker 5: over there, which is much lower than it is in 528 00:26:44,800 --> 00:26:50,399 Speaker 5: Australia being a training program, we won't have the income 529 00:26:50,440 --> 00:26:52,840 Speaker 5: that we have here. I've quit my job, as I said, 530 00:26:52,880 --> 00:26:55,560 Speaker 5: I was earning quite a bit of money, and now 531 00:26:55,680 --> 00:26:57,960 Speaker 5: the money that I'll be earning from my content and 532 00:26:58,040 --> 00:27:03,520 Speaker 5: influencing will really become our discretionary income at that point, 533 00:27:03,760 --> 00:27:06,480 Speaker 5: an opportunity to do more fun things while we're over there. 534 00:27:06,720 --> 00:27:09,239 Speaker 4: What was their number you guys came up with to 535 00:27:09,400 --> 00:27:11,960 Speaker 4: save that you would need to move over If you 536 00:27:12,040 --> 00:27:13,200 Speaker 4: don't mind me asking. 537 00:27:14,400 --> 00:27:17,440 Speaker 5: We said that we wanted to save one hundred thousand 538 00:27:17,480 --> 00:27:18,480 Speaker 5: dollars whole. 539 00:27:18,840 --> 00:27:20,880 Speaker 2: That is much more than I thought you were any 540 00:27:21,840 --> 00:27:24,439 Speaker 2: But what does that comprise of? How did you come 541 00:27:24,520 --> 00:27:26,280 Speaker 2: up with that budget? Because it kind of makes sense 542 00:27:26,320 --> 00:27:29,399 Speaker 2: given you're moving over there for your husband's training program, 543 00:27:29,440 --> 00:27:31,840 Speaker 2: which I'm assuming you know he's not going to be 544 00:27:31,880 --> 00:27:34,320 Speaker 2: earning that much. You have a young child, do a 545 00:27:34,320 --> 00:27:35,080 Speaker 2: lot to pay for you? 546 00:27:36,200 --> 00:27:40,640 Speaker 5: Yes, so we do have a young child who we 547 00:27:40,880 --> 00:27:44,520 Speaker 5: do want to go to childcare Cindy over there two 548 00:27:44,600 --> 00:27:47,040 Speaker 5: days a week. I'll be at home, and yes, I'll 549 00:27:47,080 --> 00:27:50,080 Speaker 5: be doing content work, but he adorees going to Kindy 550 00:27:50,240 --> 00:27:52,760 Speaker 5: and the socialization and what he's been learning. So I 551 00:27:52,800 --> 00:27:55,760 Speaker 5: definitely want to continue that for some kind of normalcy 552 00:27:55,840 --> 00:27:57,880 Speaker 5: while we're over there, and we don't get any subsidy, 553 00:27:58,600 --> 00:28:00,920 Speaker 5: so we need to have a lot of money for that. 554 00:28:02,359 --> 00:28:07,600 Speaker 5: Rents over there, yes, Rents over there is somewhere between 555 00:28:07,680 --> 00:28:12,400 Speaker 5: three to four thousand dollars a month, so room apartment. Yeah, 556 00:28:14,160 --> 00:28:17,040 Speaker 5: and then we also needed money for like flite for 557 00:28:17,200 --> 00:28:20,280 Speaker 5: these is we had to get Charlie like a passport. 558 00:28:20,400 --> 00:28:24,280 Speaker 5: We have like all of our storage costs because we 559 00:28:24,320 --> 00:28:27,320 Speaker 5: are coming back after a year, so we're paying for 560 00:28:27,359 --> 00:28:32,080 Speaker 5: everything to be in storage. We want to be able 561 00:28:32,160 --> 00:28:35,560 Speaker 5: to travel. It might just be within Canada, but we 562 00:28:35,640 --> 00:28:37,679 Speaker 5: want to be able to have money to do holidays 563 00:28:37,720 --> 00:28:38,600 Speaker 5: while we're over there. 564 00:28:38,800 --> 00:28:39,760 Speaker 2: Yeah, absolutely, and then. 565 00:28:39,640 --> 00:28:41,640 Speaker 1: We enjoy and then yeah. 566 00:28:42,240 --> 00:28:44,600 Speaker 5: Yeah. And the thing is that it might sound like 567 00:28:44,880 --> 00:28:47,400 Speaker 5: a lot of money, one hundred thousand dollars, but that 568 00:28:47,600 --> 00:28:50,360 Speaker 5: is money. Also, that is enough for when we come 569 00:28:50,400 --> 00:28:53,360 Speaker 5: back that I won't have a job besides content and 570 00:28:53,360 --> 00:28:54,320 Speaker 5: we'll have to buy a car. 571 00:28:54,640 --> 00:28:58,240 Speaker 2: Planned that far ahead like that makes planning. 572 00:28:57,960 --> 00:29:00,560 Speaker 5: For Yeah, it plans not only for the next year, 573 00:29:00,640 --> 00:29:03,040 Speaker 5: but the year after that. So really it's a two 574 00:29:03,120 --> 00:29:05,760 Speaker 5: year plan. And then after that we have zero dollars. 575 00:29:05,840 --> 00:29:06,920 Speaker 2: So gosh, I don't. 576 00:29:06,760 --> 00:29:08,040 Speaker 5: Ever want to be down at zero. 577 00:29:08,240 --> 00:29:11,320 Speaker 2: I'm sure the planning you do, you're not going to 578 00:29:11,320 --> 00:29:12,280 Speaker 2: get down to zero. 579 00:29:12,360 --> 00:29:15,320 Speaker 1: It definitely sounds like you're on about but I also. 580 00:29:15,160 --> 00:29:16,680 Speaker 5: Think it's a really important planner. 581 00:29:16,880 --> 00:29:19,000 Speaker 2: Yeah, and I also think it's really important to point 582 00:29:19,040 --> 00:29:22,360 Speaker 2: out that this isn't like you being twenty one moving 583 00:29:22,360 --> 00:29:25,080 Speaker 2: overseas for a couple of years to you know, find 584 00:29:25,080 --> 00:29:27,200 Speaker 2: your feet and you know, find out who you are. 585 00:29:27,440 --> 00:29:29,680 Speaker 2: You actually have a young family, You've got a husband 586 00:29:29,680 --> 00:29:32,600 Speaker 2: who's just finished this epics study and going to do 587 00:29:32,640 --> 00:29:34,760 Speaker 2: a year of residency, which is you know, going to 588 00:29:34,960 --> 00:29:37,800 Speaker 2: turbo charge his career hopefully. So it's kind of like 589 00:29:37,840 --> 00:29:40,520 Speaker 2: an investment into your own future. And that's why I'm 590 00:29:40,560 --> 00:29:44,160 Speaker 2: so pervy on people's savings goals, because you know, Tony, 591 00:29:44,200 --> 00:29:45,960 Speaker 2: if you'd said, hey, we're going to talk to someone 592 00:29:45,960 --> 00:29:48,640 Speaker 2: today who's saved one hundred thousand dollars, I'd be like, 593 00:29:48,720 --> 00:29:49,800 Speaker 2: is it for a house deposit? 594 00:29:50,000 --> 00:29:50,200 Speaker 5: Yeah? 595 00:29:50,240 --> 00:29:52,520 Speaker 1: Well that's what people save for now. 596 00:29:52,520 --> 00:29:55,000 Speaker 4: It's kind of like, oh, well, you can't do anything 597 00:29:55,040 --> 00:29:57,000 Speaker 4: that isn't saving for a house until you save for 598 00:29:57,040 --> 00:29:57,480 Speaker 4: a house. 599 00:29:57,560 --> 00:29:59,600 Speaker 1: Yeah, that has to be your first tipbox. 600 00:29:59,640 --> 00:30:01,680 Speaker 4: But I really like the way that you just put 601 00:30:01,680 --> 00:30:04,160 Speaker 4: that V like that it's an investment into your family 602 00:30:04,200 --> 00:30:07,400 Speaker 4: and your future, because I think people so often see 603 00:30:07,480 --> 00:30:11,400 Speaker 4: investment as purely dollars and cents, when an investment can 604 00:30:11,440 --> 00:30:14,360 Speaker 4: be so much more. You're investing into your relationship, your 605 00:30:14,400 --> 00:30:17,200 Speaker 4: memories for your son, you know, all of these things 606 00:30:17,240 --> 00:30:20,320 Speaker 4: that you're just not going to get in any other situation, like, hey, 607 00:30:20,320 --> 00:30:21,960 Speaker 4: you could buy a house right now, but oh my god, 608 00:30:21,960 --> 00:30:23,480 Speaker 4: you're going on this amazing adventure. 609 00:30:23,760 --> 00:30:26,360 Speaker 2: Yeah, and I think that investment is so much more right, 610 00:30:26,400 --> 00:30:28,960 Speaker 2: Like we invest in everything, and as you said before, 611 00:30:29,080 --> 00:30:32,480 Speaker 2: it's memories, Like it's also like mental health, Like that's 612 00:30:32,480 --> 00:30:34,560 Speaker 2: to make sure that you know, you don't go crazy 613 00:30:34,760 --> 00:30:37,560 Speaker 2: creeped up in another country away from your family and friends, 614 00:30:37,600 --> 00:30:39,320 Speaker 2: and you know, your son still gets to go to 615 00:30:39,400 --> 00:30:42,000 Speaker 2: KINDI and have a really good time. And yeah, I 616 00:30:42,040 --> 00:30:44,080 Speaker 2: just love that you've taken so much time and thought 617 00:30:44,120 --> 00:30:45,640 Speaker 2: to put into it, because yeah, it was a bit 618 00:30:45,680 --> 00:30:48,560 Speaker 2: shocked when you said one hundred thousand dollars, But that's. 619 00:30:48,360 --> 00:30:50,680 Speaker 1: Like such a long game. That makes sense. 620 00:30:51,000 --> 00:30:54,560 Speaker 5: Yeah, it makes It's a long game. Yeah. And also 621 00:30:54,880 --> 00:30:58,440 Speaker 5: I am Yeah, I'm thirty, and we're both in our 622 00:30:58,480 --> 00:31:01,440 Speaker 5: thirties and we have a young family. I'm sure we 623 00:31:01,480 --> 00:31:05,200 Speaker 5: could do it like a lot cheaper, but I am 624 00:31:05,240 --> 00:31:06,720 Speaker 5: at a point in my life I'm like, I want 625 00:31:06,760 --> 00:31:09,640 Speaker 5: to live as if I was living here. Yeah, And 626 00:31:09,760 --> 00:31:11,960 Speaker 5: so yeah, I know it's a lot of money, and 627 00:31:12,440 --> 00:31:14,400 Speaker 5: it won't all be spent while we're over there, but 628 00:31:14,760 --> 00:31:18,400 Speaker 5: that's everything. That's our emergency money. That's everything. 629 00:31:18,560 --> 00:31:22,000 Speaker 2: And hopefully your influencer work picks up and you know 630 00:31:22,040 --> 00:31:24,320 Speaker 2: you're able to actually just fund the rent each month 631 00:31:24,320 --> 00:31:26,960 Speaker 2: because three grand coming in that to rent covered my friend. 632 00:31:27,440 --> 00:31:29,360 Speaker 5: Wow, well, I've already had brands reach out to be 633 00:31:29,440 --> 00:31:32,200 Speaker 5: to send me stuff in my Canadian address. 634 00:31:32,360 --> 00:31:34,720 Speaker 1: Oh my gosh, that's so exciting. 635 00:31:34,800 --> 00:31:37,760 Speaker 5: I'm already forward working at the moment, like I have 636 00:31:37,800 --> 00:31:40,600 Speaker 5: an addressed whether sending up to already. 637 00:31:40,320 --> 00:31:42,320 Speaker 1: So she's asler. I love it. 638 00:31:42,400 --> 00:31:45,280 Speaker 2: I'm going to have the creepy stalk of you when 639 00:31:45,320 --> 00:31:47,760 Speaker 2: we're all to do. But for those of you following 640 00:31:47,800 --> 00:31:50,959 Speaker 2: along who also want to find our money diarist, are 641 00:31:51,000 --> 00:31:53,400 Speaker 2: you willing to share the dates? 642 00:31:54,200 --> 00:31:58,280 Speaker 5: Yes? You can find me on Instagram. My handle is 643 00:31:58,320 --> 00:31:59,520 Speaker 5: Amanda's Cute. 644 00:31:59,240 --> 00:32:01,240 Speaker 2: Space, Amanda's Cute Face. 645 00:32:02,520 --> 00:32:02,720 Speaker 5: Yeah. 646 00:32:02,960 --> 00:32:03,880 Speaker 2: Oh I love that. 647 00:32:03,880 --> 00:32:04,880 Speaker 1: That's so sweet. 648 00:32:05,080 --> 00:32:07,000 Speaker 2: I'm going to go follow you now. I'm very excited 649 00:32:07,040 --> 00:32:09,280 Speaker 2: to see your content, and to be honest, I kind 650 00:32:09,280 --> 00:32:12,240 Speaker 2: of feel like we're discovering someone before they're popular. So 651 00:32:12,280 --> 00:32:13,960 Speaker 2: if we all go follow her, we can be like yeah, 652 00:32:13,960 --> 00:32:14,840 Speaker 2: well we were following her. 653 00:32:14,960 --> 00:32:17,400 Speaker 1: Oh my god, follow Amanda. We followed her when she 654 00:32:17,440 --> 00:32:18,280 Speaker 1: lived in Australia. 655 00:32:18,400 --> 00:32:22,120 Speaker 2: She wasn't even verified when I started following her. That's 656 00:32:22,160 --> 00:32:23,680 Speaker 2: what we're all going to say. Anyway. 657 00:32:23,840 --> 00:32:26,040 Speaker 1: I think we're done here. We're done here, Money. 658 00:32:25,800 --> 00:32:31,360 Speaker 2: Diarist, Yes, all right, all right, let's go. I think 659 00:32:31,360 --> 00:32:33,240 Speaker 2: we've got a million things to do and we will 660 00:32:33,280 --> 00:32:35,480 Speaker 2: not keep you any longer of it. Thank you so 661 00:32:35,600 --> 00:32:38,280 Speaker 2: much for joining us. We really really appreciate it. 662 00:32:39,160 --> 00:32:40,240 Speaker 5: Thank you for having me. 663 00:32:40,600 --> 00:32:43,240 Speaker 2: And as always, just before we head off, we'd like 664 00:32:43,280 --> 00:32:46,480 Speaker 2: to acknowledge and pay respect to Australia's aboriginal and tourist 665 00:32:46,560 --> 00:32:50,240 Speaker 2: rate island of Peoples. They're the traditional custodians of the lands, 666 00:32:50,280 --> 00:32:53,800 Speaker 2: the waterways and the skies all across Australia. Well, thank 667 00:32:53,840 --> 00:32:55,640 Speaker 2: you for sharing and for caring for the land on 668 00:32:55,680 --> 00:32:58,040 Speaker 2: which we are able to learn. We pay our respects 669 00:32:58,040 --> 00:33:00,160 Speaker 2: to elders past and present, and we share we are 670 00:33:00,160 --> 00:33:01,840 Speaker 2: our friendship and our kindness. 671 00:33:02,360 --> 00:33:04,760 Speaker 3: The advice shared on She's on the Money is general 672 00:33:04,800 --> 00:33:08,600 Speaker 3: in nature and does not consider your individual circumstances. She's 673 00:33:08,640 --> 00:33:11,840 Speaker 3: on the Money exists purely for educational purposes and should 674 00:33:11,880 --> 00:33:14,920 Speaker 3: not be relied upon to make an investment or financial decision, 675 00:33:15,520 --> 00:33:19,200 Speaker 3: and we promise. Victoria Devine is an authorized representative of 676 00:33:19,240 --> 00:33:23,680 Speaker 3: Australia Pacific Funds Management Proprietary Limited ABN three four one 677 00:33:23,720 --> 00:33:27,080 Speaker 3: three two four six three two five seven AFSL three 678 00:33:27,120 --> 00:33:29,280 Speaker 3: three nine one five one And don't forget. 679 00:33:29,320 --> 00:33:31,080 Speaker 2: You can always join the conversation with the She's on 680 00:33:31,080 --> 00:33:33,600 Speaker 2: the Money team. Literally at any time of the day 681 00:33:33,720 --> 00:33:36,800 Speaker 2: or night at She's on the money AUS on literally 682 00:33:36,840 --> 00:33:37,600 Speaker 2: all social media. 683 00:33:37,680 --> 00:33:38,360 Speaker 1: We're everywhere. 684 00:33:38,400 --> 00:33:42,000 Speaker 3: Were literally all lost breading out tentacles through the Internet. 685 00:33:42,120 --> 00:33:45,040 Speaker 2: We are spammy and we love it. Now we're not spamy. 686 00:33:45,120 --> 00:33:47,120 Speaker 2: We just talk about educational stuff. 687 00:33:46,840 --> 00:33:48,440 Speaker 1: And we just push it. Yeah, passionately. 688 00:33:48,520 --> 00:33:51,080 Speaker 2: We're very excited people. We'll see you next week.