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MONEY DIARIES: Creating Positive Money Habits One Day at a Time! · She's On The Money

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Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud Order
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Speaker 1: Order Kerni Whoalbury and a waddery woman. And before we
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Speaker 1: get started on She's on the Money podcast, I would
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Speaker 1: like to acknowledge the traditional custodians of the land of
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Speaker 1: which this podcast is recorded on a wondery country, acknowledging
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Speaker 1: the elders, the ancestors and the next generation coming through
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Speaker 1: as this podcast is about connecting, empowering, knowledge sharing and
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Speaker 1: the storytelling of you to make a difference for today
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Speaker 1: and lasting impactful tomorrow.
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Speaker 2: Let's get into it.
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Speaker 3: She's on the Money. She's on the Money.
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Speaker 2: Hello, and welcome to She's on the Money podcast for
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Speaker 2: millennials who want financial freedom. Welcome back to another one
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Speaker 2: of our money darries where we get to talk with
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Speaker 2: one of our incredible She's on the Money community members
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Speaker 2: all about their journey. Let's jump straight into it, because
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Speaker 2: this week we got a message and it sounded exactly
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Speaker 2: like this. Hi, She's on the Money. I'm a money failure,
1:19
Speaker 2: but I'm working on it. I grew up in a
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Speaker 2: wealthy family, but subsequently I learned no money skills. But
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Speaker 2: now I'm getting out of debt, slowly working on a budget,
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Speaker 2: and moving from working less than seven hours a week
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Speaker 2: to thirty hours. I've got a baby on the way,
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Speaker 2: so now it's more important than ever for me to
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Speaker 2: change my ways. I'm so excited about this money drest. One,
1:42
Speaker 2: welcome to the show, Thank you. And two, I'm obsessed
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Speaker 2: with the idea that you're giving us a money story.
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Speaker 2: But like, you're not there yet. We're on the journey,
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Speaker 2: like we're changing our mindset, but we're in the middle
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Speaker 2: of the mindset shift. Like I'm just so excited to
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Speaker 2: have a chat with you.
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Speaker 4: I'm so excited. I love every money story in binge them,
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Speaker 4: so I do love hearing all the inspo.
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Speaker 2: Is it weird hearing me do the intro? If you
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Speaker 2: binge our money diaries and it's like for you and live,
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Speaker 2: I was like.
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Speaker 4: Oh, this is me that we're talking about. This is
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Speaker 4: very weird.
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Speaker 2: How good? All right, Well, let's do a money diary.
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Speaker 2: I always ask the same first question at the start
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Speaker 2: money Diarist, what would you grade your money habits if
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Speaker 2: I forced you to give them a grade from A
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Speaker 2: through to F.
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Speaker 4: I used to think it was an F. I'd like
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Speaker 4: to be a bit kinder to myself and say I
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Speaker 4: was an e because we're working on it.
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Speaker 2: But yes, all right, well let's get a little bit
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Speaker 2: further into it. We got a very brief summary of
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Speaker 2: where you've come from, but let's dive deeper. Money diarist,
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Speaker 2: can you tell me a little bit more about your
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Speaker 2: money story.
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Speaker 4: Yeah, so I grew up with wealthy parents. They both
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Speaker 4: grew up with no money. My mum lived in a
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Speaker 4: small town with everybody in the one room in Italy,
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Speaker 4: and dad was pretty much the same but over in Melbourne.
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Speaker 4: So they built what I would say is an empire.
3:03
Speaker 4: They provided everything for us. We all went to private school,
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Speaker 4: so I'm one of six kids.
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Speaker 2: Oh my gosh, you know someone's wealthy when in twenty
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Speaker 2: twenty four people say I'm one of six.
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Speaker 4: Like, okay, They yeah, provided everything for us. We went
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Speaker 4: on you know, an international holiday every year.
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Speaker 2: Oh my god. We six kids, not even talking about money,
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Speaker 2: like the logistics.
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Speaker 4: So the youngest three always went, and then others added
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Speaker 4: on depending on where they were with work. So there's
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Speaker 4: a lot of us to try and coordinate things with.
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Speaker 4: But yeah, so everything was easily given to us, not
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Speaker 4: in the sense that like anything we asked for was
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Speaker 4: given to us. But we were very rarely told no.
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Speaker 4: If we needed.
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Speaker 2: Something, yeah, you didn't go without.
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Speaker 4: Yeah it was very good. But we actually never spoke
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Speaker 4: about money at all. I've grown up with the same
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Speaker 4: sort of sense that you know, I can go on
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Speaker 4: travel every year, and I can do this and do that.
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Speaker 4: And I have been working since I was sixteen. I
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Speaker 4: really enjoy working. Some people would say I'm obsessed with working,
4:02
Speaker 4: and we'll work a whole week, because since I was
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Speaker 4: about eighteen, I had studied full time and worked full time,
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Speaker 4: if not seven days a week. So I do really
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Speaker 4: like work as well. But as soon as I get money,
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Speaker 4: I spend it. And I have a little bit of
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Speaker 4: impulse control that I'm working on. But I would save
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Speaker 4: money and then I would go on a holiday and
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Speaker 4: I'd spend every single bit that I had and then
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Speaker 4: repeat the cycle again. So last year my appendix best
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Speaker 4: and I know the job that I was in at
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Speaker 4: that time, they'd lost a lot of clients, so I
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Speaker 4: cann't actually work many hours at all if I was
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Speaker 4: in a beauty role, and they'd only probably get about
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Speaker 4: seven hours of work a week and had to then
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Speaker 4: kind of adjust the fact that I wasn't earning money
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Speaker 4: and that I had my appending. So the one time
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Speaker 4: that I was going to be able to earn a
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Speaker 4: bit more money if my joke was picking up my
4:53
Speaker 4: appendix disulted first, and what I was studying last year,
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Speaker 4: it requires me to fly into state to do.
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Speaker 2: My Oh how annoying. And you're injured so you weren't
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Speaker 2: able to do a lot of that.
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Speaker 4: Yeah, so it made it a bit harder. And it's
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Speaker 4: definitely the most expensive degree I've ever done, having to
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Speaker 4: fly into State every semester. That's crazy, Yeah, but it's
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Speaker 4: something that I love doing.
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Speaker 2: Tell me about this degree, though, like what degree has
5:19
Speaker 2: you traveling into state? And can I guess first? Is
5:22
Speaker 2: it like something to do with marine biology or something
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Speaker 2: that you need to travel to Tasmania for.
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Speaker 4: No, that's pretty cool though. I would love to do
5:30
Speaker 4: that because I also love studying as much as I
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Speaker 4: love working. I love studying as well. But I study
5:35
Speaker 4: clinical aesthetics and it's actually not something anyway. So there's
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Speaker 4: only two universities in the country that offer it, and
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Speaker 4: they're both based either in Sydney or in Melbourne. So
5:44
Speaker 4: they held their practice into.
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Speaker 2: State, what do you do as a job. When you
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Speaker 2: study clinical aesthetics.
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Speaker 4: You are kind of less than an aesthetic nurse, but
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Speaker 4: more than a general therapist. So you can do treatments,
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Speaker 4: you can do research, you can do so much with it,
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Speaker 4: so depends on where you want to land. I like
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Speaker 4: being face to face with people, so I'm doing treatments,
6:05
Speaker 4: but it is one of those things that who knows
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Speaker 4: where it takes me.
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Speaker 2: Now that I'm pregnant, that's literally so exciting. I'm so
6:14
Speaker 2: interested in that space. So it's like not a beauty therapist,
6:18
Speaker 2: but it's also like not at the other end where
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Speaker 2: you're able to do like injections and like filler and
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Speaker 2: botox and stuff, but you're allowed to do the middle
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Speaker 2: stuff that a beauty therapist wouldn't be licensed to do exactly.
6:30
Speaker 4: And where I want to specialize, which I've still got
6:32
Speaker 4: about a year ago, is wound healing. So working with
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Speaker 4: plastic surgeons and working with people who have got big wounds.
6:38
Speaker 2: Oh how fun. And you mentioned in your story and
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Speaker 2: also right now that you're going to have a baby. Yes,
6:46
Speaker 2: tell me about that.
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Speaker 4: My partner and I've been together about a year and
6:50
Speaker 4: a half and we'd started talking about potentially having a
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Speaker 4: baby at the beginning of next year, and then she
6:55
Speaker 4: surprised us.
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Speaker 2: Oh, we love this. She's like, guys, it's my time
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Speaker 2: to shine.
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Speaker 4: So I am due at the end of this year.
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Speaker 4: I'm due in December. But yes, it was a lovely surprise.
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Speaker 4: We are not taking any part of this for granted,
7:09
Speaker 4: so we thought we would be in a better position.
7:12
Speaker 4: But that's fine. We will take what we can get
7:14
Speaker 4: when it comes to babies.
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Speaker 2: How beautiful. That's so exciting. I know this isn't money
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Speaker 2: to the US questions, but how did you find out
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Speaker 2: you were pregnant if it was a surprise, Because I
7:24
Speaker 2: think everybody knows that I was trying to get pregnant,
7:28
Speaker 2: so I was like testing before. I wasn't even meant
7:30
Speaker 2: to be testing. Everyone's like, you need to wait longer
7:32
Speaker 2: than a week there, and I'd be like, I'm a
7:34
Speaker 2: just test in case, Like logically we know that the
7:37
Speaker 2: line isn't going to come up, But like, how did
7:39
Speaker 2: you find out you were pregnant if it wasn't something
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Speaker 2: that you'd planned.
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Speaker 4: Yes, So I was probably four or five days away
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Speaker 4: from getting my period, and I had a dream that
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Speaker 4: I was pregnant.
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Speaker 2: I'm so glad, I asked, So I thought.
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Speaker 4: I'll just pianistic. What's the worst it's going to happen.
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Speaker 4: It's just going to give me peace of mind in case,
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Speaker 4: you know, I'm a little bit wrong, and that is
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Speaker 4: what it is. But I was right. My dreams told
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Speaker 4: me that I was pregnant, so so sweet.
8:05
Speaker 2: Did you know you were pregnant with a girl?
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Speaker 4: Up until week eight, I actually thought I was having
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Speaker 4: a boy. So the entire time I thought I was
8:11
Speaker 4: having a boy. And then we did our little nicked
8:13
Speaker 4: test and no, she's a girl.
8:16
Speaker 2: It's wild. When I had Harvey, we didn't find out
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Speaker 2: the gender until birth and we were in the theater
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Speaker 2: and the obstetrician held Harvey up and said, what if
8:28
Speaker 2: you guys had and my husband was like, it's a boy.
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Speaker 2: And I was just shocked because I thought he was joking,
8:35
Speaker 2: because I thought I had the best mother's intuition in
8:38
Speaker 2: the entire world, like I had convinced myself I was
8:41
Speaker 2: having a girl. I didn't care about the gender, but
8:44
Speaker 2: I just thought I was, like, you know, full of intuition.
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Speaker 2: Turns out I was incredibly wrong. He was most definitely
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Speaker 2: a boy. And yeah, so that's just a humbling experience
8:55
Speaker 2: for me. But ah, how exciting a little lady.
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Speaker 4: Yeah, I'm very, very excited. My sister gave birth to
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Speaker 4: a boy earlier this year, and my sister in law
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Speaker 4: is about four weeks before me, so she's also having
9:05
Speaker 4: a boy. So we're gonna have three grand babies in
9:09
Speaker 4: a year, which is exciting.
9:11
Speaker 2: Tell your parents they're welcome.
9:13
Speaker 4: Yeah, well, they can't stop crying. If anyone else gets pregnant,
9:17
Speaker 4: I think they might just pass out.
9:18
Speaker 2: Let's give them a little bit of a break. Money arrest.
9:21
Speaker 2: I want to know, now, what are you currently doing
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Speaker 2: for work and how much money do you earn?
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Speaker 4: So I work in retail. I have two jobs, so
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Speaker 4: I'm working six days a week at the moment, and
9:31
Speaker 4: I work in a casual role for both of them.
9:36
Speaker 4: And one is the big beauty retailer we all knowing
9:39
Speaker 4: love bougie, and one is like, I sell jewelry, engagement
9:45
Speaker 4: ringings and things like that.
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Speaker 2: Yeah cool, I feel like that's a nice mix.
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Speaker 4: With Mecca, I can absolutely spend all with my pay
9:52
Speaker 4: in the blink of an eye, But with the other one,
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Speaker 4: I'm not buying myself an engagement ring.
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Speaker 2: So also I feel like if I work at Mecca,
10:01
Speaker 2: I would be on a slippery slope, like you, of
10:03
Speaker 2: all people are going to know guys, I'm a level four,
10:07
Speaker 2: So like that tells you that if I worked at Mecca,
10:10
Speaker 2: I'd have literally no money because I'd walk into work,
10:13
Speaker 2: spend all my money, and then leave.
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Speaker 4: Yeah, it happens. Everybody goes through it. You get through
10:18
Speaker 4: to a point like I've been there for over five years,
10:21
Speaker 4: so it's been a bit of time, but you still
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Speaker 4: spend your money every time. I don't think anyone walks
10:26
Speaker 4: into my friend doesn't buy something.
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Speaker 2: Oh my gosh. And was it always like a dream
10:30
Speaker 2: to work at Mecca, because I feel like if you're
10:31
Speaker 2: in this industry, like you're someone who's studying clinical aesthetics
10:35
Speaker 2: and like putting your all into it, Like I can't
10:37
Speaker 2: think of a better job to work out while you're studying.
10:41
Speaker 4: Yeah, it is fantastic because a lot of my degree
10:43
Speaker 4: is like skin conditions and skin health, so I get
10:45
Speaker 4: a lot of practice I guess without actually being able
10:48
Speaker 4: to diagnose.
10:48
Speaker 2: And they would absolutely love you because then you're giving
10:52
Speaker 2: good product recommendations. How good.
10:55
Speaker 4: Yeah, it's very pervy. I love doing it.
10:58
Speaker 2: Now, don't tell me what you earn per hour, But
11:00
Speaker 2: between the two of your jobs, how much money are
11:02
Speaker 2: you bringing home?
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Speaker 4: It's roughly two two hundred to fortnite. The last financial year,
11:08
Speaker 4: because I didn't get to work for about six months,
11:10
Speaker 4: it was actually about just over forty two thousand. It's
11:13
Speaker 4: a bit hit and miss because, like I said, both
11:15
Speaker 4: of them are casuals. Who really does depend.
11:16
Speaker 2: On hours and time of the year and all of that. Yeah,
11:20
Speaker 2: but like those are good jobs to have while you're studying.
11:23
Speaker 2: Next question, I want to note, you've got a baby
11:25
Speaker 2: on the way, you're slowly getting out of debt, you're
11:27
Speaker 2: working on a budget, but what are your big money
11:29
Speaker 2: goals at the moment?
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Speaker 4: First big money goal would be having an emergency fund.
11:34
Speaker 4: Not working much last year, I don't have any savings left.
11:38
Speaker 4: And then I would also be saving for some extra
11:41
Speaker 4: time off Matt leave because I'll be using my centerling pay.
11:44
Speaker 4: But if I want to have a little bit more
11:46
Speaker 4: time with the baby, I don't want my partner to
11:48
Speaker 4: be I mean, he's happy to be financially responsible for
11:51
Speaker 4: all of us, but I would like to still contribute
11:53
Speaker 4: in some way, so I'd like to have a little
11:55
Speaker 4: bit of savings behind me as well.
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Speaker 2: I love that. I feel like having an emergency fund
11:59
Speaker 2: at the moment is a really good goal. Have you
12:02
Speaker 2: sat down and thought about what an emergency fund for
12:05
Speaker 2: a young couple expecting their first baby is going to
12:08
Speaker 2: look like? Like, what's the goal?
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Speaker 4: I haven't thought that much about it, if I'm being
12:13
Speaker 4: completely honest.
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Speaker 2: Girl, we need to sit down.
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Speaker 4: I know. It's one of those things that like, I'm
12:18
Speaker 4: really getting into it in the last month, and we've
12:22
Speaker 4: never been people to like combine our finances. We didn't
12:25
Speaker 4: even really talk about money until I started stressing about
12:28
Speaker 4: like what next you will look like.
12:30
Speaker 2: Oh my gosh, it is so stressful too, And like
12:32
Speaker 2: when you start googling how much baby stuff is, it's wild.
12:36
Speaker 2: Just to put your heart at ease and your mind
12:39
Speaker 2: is right now. They use next to none of it.
12:42
Speaker 2: You need ones is. The best ones are at Target,
12:45
Speaker 2: the Target brand ones too. Nine to ninety five money
12:48
Speaker 2: in burp cloths and a boob You are fine. If
12:51
Speaker 2: they don't want to take the boob formula, really simple formula.
12:55
Speaker 4: That's the plan. I'm hoping all of that we're just
12:58
Speaker 4: going to buy as we need. So we've obviously got
13:00
Speaker 4: the things we know we need, Carsiat, Pram, all of that,
13:04
Speaker 4: but everything else if she needs it, we're five minutes
13:06
Speaker 4: away from baby bunting.
13:08
Speaker 2: Yes see, that's the mindset that I wish I had.
13:10
Speaker 2: I kept worrying that I didn't have something, and I'd
13:13
Speaker 2: be like, oh my gosh, like what if I don't
13:15
Speaker 2: have it, Oh, maybe I'll just buy it in case
13:17
Speaker 2: forgetting completely that. I literally live ten minutes from the
13:22
Speaker 2: memo and like everybody knows, the memo has absolutely everything.
13:25
Speaker 2: I should have used my brain a bit more, but
13:27
Speaker 2: at the same time, like it's really exciting. I don't know,
13:30
Speaker 2: you see something cute and you're like, I need this.
13:33
Speaker 2: I think the thing that saved me money Diarist was
13:35
Speaker 2: that I didn't know what gender I was having, and
13:38
Speaker 2: that actually saved me a lot of money because I
13:40
Speaker 2: couldn't be impulsive on oh it's a little cute pink
13:42
Speaker 2: onesie or it's a blue onesie. Like I didn't buy
13:45
Speaker 2: a lot of gender and stuff. I kind of made
13:46
Speaker 2: sure I had the basics for like the hospital and
13:49
Speaker 2: like the few weeks after then, I went ham online
13:52
Speaker 2: shopping while I was recovering in hospital. I was high
13:55
Speaker 2: on end don because at the end of the day
13:57
Speaker 2: I had had a cesarean and my baby is quiet
14:01
Speaker 2: at some point, and I was like, cool, if we
14:03
Speaker 2: are up at three am feeding, I'm also shopping.
14:07
Speaker 4: I understand completely. Me and my partner have been very
14:11
Speaker 4: slow with buying her gifts just yet. But every now
14:14
Speaker 4: and then there's a very key thing and I'm like, oh,
14:16
Speaker 4: I can't whistle.
14:18
Speaker 2: We need to have it. No, I adore it. All right,
14:21
Speaker 2: let's stop the baby chat. I have a lot of questions.
14:24
Speaker 2: Let's go to a quick break and on the flip side,
14:26
Speaker 2: I want to know more about this debt. I want
14:28
Speaker 2: to know more about how you're working on a budget.
14:31
Speaker 2: I want to know your best and worse money habits.
14:33
Speaker 2: So guys, don't go anywhere money diarist do. We are back,
14:40
Speaker 2: and I am loving having this chat with you. I
14:42
Speaker 2: feel like we've very quickly become besties. You've said that
14:45
Speaker 2: you're a money failure and you're working on it. You're
14:47
Speaker 2: currently studying clinical aesthetics. Last year you made forty two
14:51
Speaker 2: thousand dollars and in December you're having a baby. I
14:54
Speaker 2: just think there's a lot to unpack here, but I
14:56
Speaker 2: want to know first money, Darist, do you invest if
15:01
Speaker 2: so in what if not? Have you ever thought about it?
15:05
Speaker 4: Yeah? I have my super because I've been working for
15:07
Speaker 4: so long. I think my sweeper is currently sitting at
15:09
Speaker 4: about forty thousand dollars. Okay, it's a nice little nest
15:14
Speaker 4: egg that's building for me, which is lovely. And then
15:17
Speaker 4: I do also own some shares. I did it all
15:20
Speaker 4: myself when we were like right in the middle of
15:23
Speaker 4: COVID and we were getting job keeper and I thought,
15:27
Speaker 4: this is more than my casual wage. I'll just put
15:30
Speaker 4: it all towards chares.
15:31
Speaker 2: Oh, how good.
15:33
Speaker 4: I think I invested five hundred dollars in different actual
15:36
Speaker 4: companies because I was trying to find things that are
15:39
Speaker 4: aligned with what I wanted to invest in. They've all
15:43
Speaker 4: grown to be sort of a one hundred seventy five
15:48
Speaker 4: percent of what I invest in, so they're returning well.
15:52
Speaker 2: I thought, you're about to tell me it was like
15:53
Speaker 2: one hundred and seventy five thousand dollars and I was
15:55
Speaker 2: about to be like, Babe, this money, Darry is going
15:58
Speaker 2: in a very different direction that I had anticipated. Unrelatable content.
16:02
Speaker 2: But okay, tell me how much have you got in
16:05
Speaker 2: shares now?
16:06
Speaker 4: So I originally invested one thousand dollars, it's sitting close
16:10
Speaker 4: to eight hundred dollars.
16:13
Speaker 2: Oh, very nice over that period of time.
16:16
Speaker 4: I think I bought them in twenty twenty one. I
16:20
Speaker 4: also have Sharesyes, I've only been using it for probably
16:22
Speaker 4: two months now, but I've essentially just put ten dollars
16:25
Speaker 4: a week.
16:26
Speaker 2: Oh, she's a convert. I love it.
16:28
Speaker 4: I just want to make sure that there's something else
16:30
Speaker 4: going towards something and if it doesn't work, it doesn't
16:32
Speaker 4: work for me. But at least I'm trying to get
16:35
Speaker 4: into the habit of putting away that ten dollars a week.
16:37
Speaker 2: So tell me a little bit more. Because diving into
16:40
Speaker 2: the share market for a lot of people can be
16:42
Speaker 2: overwhelming and honestly uninspiring. I've been trying really hard for
16:46
Speaker 2: my entire career to make investing sexy. But when you
16:50
Speaker 2: start getting into the nitty gritty of it, and you
16:52
Speaker 2: have to look at a fact sheet for an ETF,
16:54
Speaker 2: or you look up a direct share ticker code on
16:57
Speaker 2: the ASEX to read the website to make sure it's
16:59
Speaker 2: a ligned to your values, like the sexiness starts to wear off.
17:03
Speaker 2: Tell me a little bit about how you picked those
17:06
Speaker 2: initial investments and what platform did you pick, Like, how
17:10
Speaker 2: did you go they I'm an investor because you're young, Like,
17:15
Speaker 2: this is something that so many of us just keep
17:18
Speaker 2: putting off and putting off.
17:19
Speaker 4: I used self wealth, So I got into investing. QUI
17:23
Speaker 4: because my little sister has always been fantastic with money,
17:27
Speaker 4: and we are competitive.
17:29
Speaker 2: So oh, I love a competitive streak for getting ahead.
17:34
Speaker 4: She's got into investing, so I got into investing. We
17:37
Speaker 4: have different values in what we want to invest in.
17:39
Speaker 4: So I just did a bit of research and I
17:42
Speaker 4: found one's that I was happy to invest in. So
17:44
Speaker 4: I invest in like education focused shares and things like that.
17:49
Speaker 2: Oh how cool.
17:50
Speaker 4: So yeah, I just found a couple of shares. I
17:52
Speaker 4: read as much information as I could, and then I
17:54
Speaker 4: got too scared and I thought, you know what, I'm
17:56
Speaker 4: just going to trust my gut and pick a couple
17:59
Speaker 4: and go from there.
18:00
Speaker 2: Once you trusted your gut, were you like, oh, this
18:03
Speaker 2: is definitely not as scary as I thought it would be,
18:05
Speaker 2: because I feel like you get analysis paralysis just picking.
18:09
Speaker 2: And then once you've picked, You're like, ah, that's it,
18:11
Speaker 2: that's easy.
18:12
Speaker 4: Yeah, I just thought, you know what, what's the worst
18:14
Speaker 4: is going to happen. It's not the end of the world.
18:17
Speaker 4: I'll just pick. I'll see how it goes. And they
18:20
Speaker 4: all lost money for a long time, and here we are,
18:22
Speaker 4: we're back right up, better than we started.
18:24
Speaker 2: I love this for us all right. Now, earlier you
18:28
Speaker 2: mentioned that you have debt and you're slowly getting out
18:31
Speaker 2: of it. Can you tell me a little bit more
18:33
Speaker 2: about this date? What's it for? How much is it?
18:35
Speaker 2: What's the plan?
18:36
Speaker 4: Yeah? So when I was younger, I got a car loan,
18:39
Speaker 4: which the only way I was going to get a
18:41
Speaker 4: new car and a bigger car and a safer car
18:43
Speaker 4: was me getting a car loan at that point. And
18:45
Speaker 4: so I got my car loan, and probably from the
18:49
Speaker 4: first payment onwards, I regretted it.
18:52
Speaker 2: No how frustrating. It's the debt and the sting every
18:57
Speaker 2: month that it's coming out that you're like, look, it
18:59
Speaker 2: was really sexy when I signed up for this. I
19:01
Speaker 2: don't really like having to give the money back every
19:03
Speaker 2: single month. That's no fun.
19:06
Speaker 4: That's exactly right. So rather than my minimum, I almost
19:09
Speaker 4: tripled what I was supposed to pay and paid it
19:12
Speaker 4: off a lot faster than I could while I was
19:14
Speaker 4: earning money. And then I think I've still got maybe
19:17
Speaker 4: five hundred dollars. It's not a lot left on it,
19:19
Speaker 4: and about one payment away from finishing that, which is good.
19:23
Speaker 2: That's so exciting. How much was the car loan in
19:27
Speaker 2: its entirety?
19:29
Speaker 4: I was approved for twenty one, but then I got
19:33
Speaker 4: my mom to come and negotiate.
19:35
Speaker 2: Thanksmart playing the car, and they.
19:37
Speaker 4: Went all the way down to seventeen because I had
19:40
Speaker 4: so much I wanted to put into it myself. And yeah,
19:42
Speaker 4: I think the loan total was seventeen thousand and yeah,
19:45
Speaker 4: and now I'm down to five hundred.
19:48
Speaker 2: I love that. How much more debt have you got?
19:51
Speaker 2: Have you got any other debts sitting around?
19:53
Speaker 4: Yeah? So I do use after pay, which I know
19:55
Speaker 4: is not necessarily the best, but I actually use almost
19:58
Speaker 4: like a to control how much goes out every fortnite.
20:02
Speaker 2: It's a cash flow tool, yes, and.
20:04
Speaker 4: So I do have it. I have worked with them
20:09
Speaker 4: to keep it as low as possible with the amount
20:12
Speaker 4: I'm allowed to spend, and I just use it for
20:14
Speaker 4: like those little things that come up and I'm like, oh,
20:16
Speaker 4: I forgot about that and purchase that way.
20:19
Speaker 2: So tell me about how you have negotiated with them
20:22
Speaker 2: to have it be a lower amount, because that's not easy.
20:25
Speaker 2: You can't just log online and drop it. Have you
20:27
Speaker 2: like called up after pay and been like, give me less?
20:30
Speaker 4: Yeah, pretty much. I sent them a message because I
20:33
Speaker 4: had gotten to a point where I think it was
20:34
Speaker 4: close to two thousand dollars or even a bit more
20:36
Speaker 4: than that that they had approved me, and I was like,
20:40
Speaker 4: I want to be honest, I'm the most reckless and
20:42
Speaker 4: impulsal with money sometimes I don't want to be responsible
20:45
Speaker 4: for that, and I don't want to owe you guys fees,
20:47
Speaker 4: So I'd rather keep it under a thousand dollars or
20:50
Speaker 4: as you know, whatever the lowest it could be at
20:52
Speaker 4: that point in time. And I think it sits at
20:54
Speaker 4: about like a thousand dollars, but I wouldn't let myself
20:56
Speaker 4: get anything close to that because I get a bit anxious.
21:00
Speaker 4: In case you know that Fortnite is the fortnighte that
21:02
Speaker 4: I don't work as much or anything like that.
21:05
Speaker 2: It's stress inducing. I love that you're controlling it and
21:08
Speaker 2: using it as a cash flow tool. I obviously can
21:12
Speaker 2: be quite cynical on after pay, and I mean I
21:15
Speaker 2: am with all buy now, pay later platforms, right, it's
21:18
Speaker 2: not because they're not good tools. Like after pay in
21:21
Speaker 2: your situation, you're working casually, we can dofers and payments
21:24
Speaker 2: for things that you ultimately needed. But it's the slippery
21:28
Speaker 2: slope that they provide to people who don't see it
21:30
Speaker 2: as a form of debt. They go, well, I've after
21:33
Speaker 2: paid it, and it's like, well, yes, that's basically the
21:35
Speaker 2: same as using your credit card, even though you're not
21:37
Speaker 2: paying interest. Like, those are things that you might not
21:40
Speaker 2: have spent money on, and it's putting you in a
21:42
Speaker 2: negative situation. So I picked up on the tone of
21:45
Speaker 2: what you were sayingually, oh it's not great, but like
21:47
Speaker 2: then you explained a really great way that you had
21:49
Speaker 2: used it, and you've brought down how much you're able
21:52
Speaker 2: to even spend on that, and you're responsible with it,
21:55
Speaker 2: Like I would say, you're far more in control than
21:58
Speaker 2: you've made out to be.
21:59
Speaker 4: My friend, I wasn't when I first had it. I
22:02
Speaker 4: got it whenever it first launched.
22:04
Speaker 2: You know, I had to learn the hard way.
22:06
Speaker 4: I had to learn the hard way. I didn't want
22:08
Speaker 4: to be responsible for that kind of debt. I like
22:10
Speaker 4: having the option. I don't always use it, though, so that.
22:13
Speaker 2: Is so fair. Are there any other debts that we
22:16
Speaker 2: haven't discussed technically?
22:19
Speaker 4: Yes, I do owe a little bit of money on
22:21
Speaker 4: my tax return this year. I haven't lodged it because
22:23
Speaker 4: I'm just going to put that off for a little bit.
22:25
Speaker 4: It's not a lot. I've been able to claim enough
22:27
Speaker 4: to bring that down to about I think it's three
22:29
Speaker 4: hundred dollars that I'm going to owe the government. You
22:32
Speaker 4: know that can wait a little second. I know it's there,
22:34
Speaker 4: and I'm working towards it.
22:35
Speaker 2: You've got time. I like that, and I like that
22:38
Speaker 2: you know in advance, like most people don't know in
22:42
Speaker 2: advance what they're going to all on tax? Who is this?
22:45
Speaker 4: Both of my parents work in tax, so it's helpful
22:48
Speaker 4: to be prepared and to have somebody in my corner
22:50
Speaker 4: helping me out.
22:51
Speaker 2: That feels like me right, Like if anybody remembers, I
22:55
Speaker 2: basically repeat the same stories over and over. But I
23:00
Speaker 2: grew up in a family we definitely were not wealthy.
23:03
Speaker 2: But I grew up in a family where my dad
23:05
Speaker 2: was an accountant and tried to teach me money over
23:07
Speaker 2: and over and over again. And do you think I
23:09
Speaker 2: would listen? Absolutely not. And I'm sure you're in the
23:13
Speaker 2: same situation where they're trying to teach you know. I mean,
23:15
Speaker 2: you probably didn't talk about money per se in relation
23:18
Speaker 2: to their money or what you could spend, but they
23:20
Speaker 2: would probably be trying to educate you. And it's not
23:22
Speaker 2: until you're in a pickle that you're like, maybe I
23:24
Speaker 2: should have listened to dad.
23:26
Speaker 4: Yeah, it's often the case. It's actually very cute. They
23:29
Speaker 4: actually met at the ATO.
23:31
Speaker 2: So so cute an Ado dream.
23:35
Speaker 4: Yeah. So they're very much yeah, finance focused and tax focused.
23:40
Speaker 4: So it's good to have in my corner now that
23:42
Speaker 4: I'm have my head screwed on a little bit and
23:44
Speaker 4: I will actually listen and learnt.
23:45
Speaker 2: I like that. Now, tell me about what you think
23:47
Speaker 2: your best money habit is.
23:50
Speaker 4: I'm always looking for a way to earn more. So
23:52
Speaker 4: I like to mystery shop so that like if I
23:56
Speaker 4: want to go out for grilled for instance, like my
23:58
Speaker 4: mystery shop covers my pain and then I just you know,
24:02
Speaker 4: I get paid to.
24:02
Speaker 2: Eat what's a grilled order? Because I feel like this
24:05
Speaker 2: is very telling of somebody's personality. What are you ordering
24:09
Speaker 2: at the moment?
24:10
Speaker 4: I am not eating a lot with baby, but I
24:13
Speaker 4: really like the what's it called Wild wild West, the
24:15
Speaker 4: pineapple one.
24:17
Speaker 2: Or I always get pineapple on my burger, so good,
24:20
Speaker 2: it is good. I'm obsessed with They have the impossible burgers,
24:24
Speaker 2: so I get the impossible guard and goodness with grilled pineapple.
24:27
Speaker 4: Yeah, it's fantastic. I don't know why anyone wouldn't eat
24:29
Speaker 4: pineapple on their pizza or on this burger, but.
24:33
Speaker 2: I think it's funny that you mention it because you're like,
24:35
Speaker 2: I mystery shoped to go to grilled. Last time I
24:37
Speaker 2: went to Grilled, which, hilariously enough, was last night. My
24:41
Speaker 2: burger was like more than twenty dollars, and I was like,
24:44
Speaker 2: this is a lot, Like the cost of living is insane,
24:48
Speaker 2: Like how did I just spend more than twenty dollars
24:51
Speaker 2: on a single burger from arguably a takeaway location. This
24:54
Speaker 2: is to me crazy. So it's like a special treat.
24:57
Speaker 2: I'm glad that you are funding it smartly, and I'm not.
25:01
Speaker 4: It's so easy to do, like in my spare time,
25:04
Speaker 4: so I pick up whatever job I want, So that
25:07
Speaker 4: works well, and I do always try to work as
25:09
Speaker 4: much as I can, although again, being pregnant is becoming
25:13
Speaker 4: more apparent that I can't work as much as i'd like.
25:16
Speaker 2: How's that impacting you, like the pregnancy, Like are you
25:20
Speaker 2: not well? Like what does that look like? Until December?
25:24
Speaker 4: Yeah, so the first three months I spent every day vomiting,
25:28
Speaker 4: and when I wasn't vomiting, I was nauseous, so wasn't
25:31
Speaker 4: a fan. Then I got good for about a month
25:33
Speaker 4: and now I'm back to being six. So, No, I
25:37
Speaker 4: can't work all the time, and especially standing up in retail,
25:41
Speaker 4: I can't. But my other retail job, I am by
25:43
Speaker 4: appointment only, so I'm sitting down for everything, which makes
25:47
Speaker 4: life a lot easier. Yeah, but I'm just trying to
25:50
Speaker 4: work as much as I can when when I can. Yeah.
25:53
Speaker 2: That was something that I planned every part of my
25:56
Speaker 2: pregnancies and didn't foresee coming. Like thankfully I knew once
26:03
Speaker 2: I got pregnant pretty quickly that I wasn't very good
26:06
Speaker 2: at being pregnant. And I know that lots of people
26:08
Speaker 2: say pregnancy is beautiful, like it's the most beautiful time
26:12
Speaker 2: of your life. Like, yes, maybe it was for you,
26:14
Speaker 2: but not for me, like pregnancy in general is not
26:18
Speaker 2: for me, and that's okay. Will I do it again? Yeah,
26:20
Speaker 2: I'll try, but I won't enjoy it. And I love
26:23
Speaker 2: that other people enjoy it, and it doesn't make me
26:25
Speaker 2: less grateful that I can get pregnant and had a
26:28
Speaker 2: baby and all of that, but like, my gosh, it
26:31
Speaker 2: is a ride, but it looks like a ride that's
26:33
Speaker 2: now going to financially impact you. Are you planning around that?
26:37
Speaker 2: Like what conversations are you having with your partner?
26:40
Speaker 4: He is so kind and very concerned for my health,
26:44
Speaker 4: which is lovely. So he's actually encouraging me to step
26:47
Speaker 4: back from work a little bit. He's like, don't worry
26:49
Speaker 4: if there's anything that comes up that's on me. Like
26:52
Speaker 4: I'm the one that asking me to work less and
26:54
Speaker 4: do all of that. So that's very lovely, But it's
26:59
Speaker 4: also such a hard mindset for me to shift. It
27:01
Speaker 4: didn't occur to me that I wouldn't be working next year,
27:03
Speaker 4: Like it didn't make sense to me because I have
27:05
Speaker 4: worked so much my entire life that oh wait, no,
27:09
Speaker 4: I actually have to stop because I'm now someone's mum
27:11
Speaker 4: and they need me. It was such a mindset shift
27:15
Speaker 4: that I can't do everything all of the time.
27:19
Speaker 2: No, and that is literally a full time job. Like
27:22
Speaker 2: it's so insane how exhausted you become and how on
27:27
Speaker 2: you are all the time. Don't get me wrong, it
27:29
Speaker 2: is the best job in the entire world, but it
27:31
Speaker 2: is a lot. Like you might not be going to
27:33
Speaker 2: work anymore. But I'm sorry if you're tired now. Ha
27:36
Speaker 2: huh yeh.
27:38
Speaker 4: I'm fully prepared for the fact that this is just
27:40
Speaker 4: prepping me for what it might be.
27:42
Speaker 2: No, no, no, do you know what? And this is
27:44
Speaker 2: complete side note. A lot of people they always say,
27:46
Speaker 2: just wait until you have the baby. It's going to
27:48
Speaker 2: get harder. No sit down, stop telling me just wait.
27:53
Speaker 2: Pregnancy tired is like no other Like I feel better
27:57
Speaker 2: postpardum at three am when I have a screaming baby
28:01
Speaker 2: than I ever did pregnant, Like, if you go through
28:04
Speaker 2: that nauseous period like I had, HG, it sounds like
28:07
Speaker 2: you're pretty much on the same path. It sucks being pregnant.
28:11
Speaker 2: Being not pregnant a blessing, Like you can deal with
28:14
Speaker 2: anything when you're not nauseous.
28:17
Speaker 4: Yeah, I am grateful to be pregnant, but I am
28:19
Speaker 4: so happy when she's out of me.
28:21
Speaker 2: Yeah, agreed, all right, So any other really good money habits.
28:26
Speaker 4: I'd say that's pretty much everything. I do have a
28:28
Speaker 4: pretty good mindset in the sense that I don't have
28:30
Speaker 4: a scarcity mindset. So I just always believe that if
28:33
Speaker 4: something bad was to happen, I would just earn more money.
28:36
Speaker 4: I would find a different job, I would do this,
28:38
Speaker 4: And I think that's what makes me slightly less stressed
28:41
Speaker 4: about certain situations, Like I think had last year happened
28:45
Speaker 4: to me and I didn't have that mindset, I would
28:47
Speaker 4: have been very down in the dumps for a while
28:49
Speaker 4: and kind of spiraled into a debt spiral, whereas now
28:53
Speaker 4: like I'm just like, no, I'll just build it back up.
28:55
Speaker 4: I'll earn more money when I'm healthy again. And here
28:57
Speaker 4: we are.
28:58
Speaker 2: That is so good, all right? Tell me, though, what's
29:01
Speaker 2: your worst money have it?
29:03
Speaker 4: I'm extremely impulsive and I do really love to shop,
29:09
Speaker 4: and like emotionally shop as well. So like when I'm
29:12
Speaker 4: feeling not my best self, especially in my pregnancy, I'm like,
29:16
Speaker 4: but I deserve like some clothes that feel good in pregnancy,
29:19
Speaker 4: or I will deserve to buy the baby this, or
29:22
Speaker 4: you know, I like to treat myself a little bit.
29:24
Speaker 4: But I'm getting on top of that. And I think
29:26
Speaker 4: the other thing is, like I don't really have much
29:28
Speaker 4: of a budget. My income's always variable. I kind of
29:32
Speaker 4: see what I get paid that fortnight and then kind
29:35
Speaker 4: of work it out from there. It's never hard and fast,
29:38
Speaker 4: so I often get surprised by my bills. But that's
29:42
Speaker 4: something I'm working on. Me and my partner have started
29:44
Speaker 4: to sit down. We've actually got a money date booked
29:47
Speaker 4: in which he thinks is really dalky, but I think
29:51
Speaker 4: it's really cool.
29:52
Speaker 2: All right, sit down, sir. This is the sexiest thing
29:54
Speaker 2: I've ever heard.
29:56
Speaker 4: Yeah, And so we're gonna like have a proper look
29:59
Speaker 4: at what we spend, where we spend. And like I
30:02
Speaker 4: said to him, I was like, it's not about judging
30:03
Speaker 4: where our money goes. It's just knowing where our money
30:06
Speaker 4: goes and if that's something that we're happy with or
30:08
Speaker 4: if we want to change it, like, we don't know
30:10
Speaker 4: until we know.
30:11
Speaker 2: And I feel like there's something incredibly powerful about setting
30:14
Speaker 2: up a money date, whether you are single and you
30:16
Speaker 2: are just setting time aside for yourself to do that,
30:20
Speaker 2: or you're in a couple for a really long time
30:22
Speaker 2: and you're finally deciding to do it. I feel like
30:24
Speaker 2: setting a time and setting a date and carving out
30:28
Speaker 2: that space to have that conversation means you both enter
30:32
Speaker 2: the conversation with the right mindset. So many times, you know,
30:36
Speaker 2: I might have come home and said to Steve, we
30:38
Speaker 2: really need to be talking about our budget, and like,
30:41
Speaker 2: I've just had an hour in the car to myself.
30:43
Speaker 2: I've thought about all the things we need to do,
30:45
Speaker 2: all the things we need to change, But he wasn't
30:47
Speaker 2: ready for me to walk into the house and start
30:50
Speaker 2: talking money. Like you sometimes need to be in the
30:52
Speaker 2: right mind frame, and like setting a time, setting a
30:55
Speaker 2: date and putting it aside means that you're both entering
30:57
Speaker 2: the chat on the same page and we can actually
31:01
Speaker 2: create a sustainable and good budget and we know who's
31:04
Speaker 2: bringing what to the table. And I just think that
31:07
Speaker 2: is so incredibly powerful. When you say you're working on
31:11
Speaker 2: a budget, like have you done any pre work for this,
31:13
Speaker 2: or is this something that you're like, look, the money
31:15
Speaker 2: date hasn't come up yet, it's coming, but we're going
31:18
Speaker 2: to do it, or like have you started tracking expenses
31:21
Speaker 2: or writing down what's going on? Like where are we
31:24
Speaker 2: at with that.
31:25
Speaker 4: I've started looking back on all my past bills, so
31:28
Speaker 4: like looking at all my car insurance was this year
31:30
Speaker 4: at the beginning, so that next year I have a
31:33
Speaker 4: rough idea of what's coming up or whatever it is.
31:35
Speaker 4: I'm still in the habit of liking the surprise of
31:38
Speaker 4: where my money goes, but I'm trying to be better.
31:41
Speaker 4: And so, yeah, it's mainly like the big bills. And
31:44
Speaker 4: he owns his home, so he pays mortgage, but I
31:47
Speaker 4: pray rent.
31:48
Speaker 2: Good choice for baby daddy. I like this because so.
31:52
Speaker 4: It's just about like tracking what's the house expense, and
31:54
Speaker 4: so I've asked him to kind of look into that
31:56
Speaker 4: as well, but we haven't actually got something fully written out.
31:59
Speaker 4: My star has a pretty basic budget or hers is fantastic,
32:03
Speaker 4: but she sent me something that's sort of a very
32:07
Speaker 4: basic version of hers to just get me started. But
32:10
Speaker 4: I'm not really sure what I'm doing.
32:11
Speaker 2: So now I'm going to fix it for you. Before
32:13
Speaker 2: your money date. I'm going to give you access to
32:15
Speaker 2: our money masterclass so that you can do that. This
32:17
Speaker 2: spreadsheet in there like I made it, so I'm biased,
32:21
Speaker 2: so take my advice however you want. But it is
32:23
Speaker 2: next level, like you don't even have to do a
32:25
Speaker 2: lot of the calculations because I've auto formulated them, and
32:28
Speaker 2: you just put in all of your expenses and then
32:31
Speaker 2: it'll spit out where you're spending it, what bank accounts
32:33
Speaker 2: it needs to go in, what this looks like, how
32:36
Speaker 2: it might work for you, and you can even put
32:38
Speaker 2: in like money goals and what that looks like. You go,
32:41
Speaker 2: here is my income, these are my expenses, and then
32:44
Speaker 2: you go to the next sheet and it'll be like, okay, money, darist,
32:47
Speaker 2: you have this much leftover from your budget to spend
32:50
Speaker 2: on your goals. What's your emergency fund going to be
32:53
Speaker 2: looking like? And then the next page, once you put
32:55
Speaker 2: all that in, it's like, all right, here's the cash
32:57
Speaker 2: flow system. Every single week, you need to transfer to
33:00
Speaker 2: this account X to this account and don't forget red Joe,
33:03
Speaker 2: that's going to come up in six months. But we're
33:05
Speaker 2: saving for it over here, and I'm obsessed with it,
33:08
Speaker 2: probably because I made it, but I'm going to give
33:10
Speaker 2: you that, and then you could fill all of that
33:12
Speaker 2: in before your money date and your partner's going to
33:14
Speaker 2: be like, Okay, wizard, no worries, thank you.
33:17
Speaker 4: So much. I was trying to write my own one,
33:18
Speaker 4: and that's when I resorted to ask in my sister
33:21
Speaker 4: because I was like, I don't understand excel. I don't
33:23
Speaker 4: know how to use this.
33:24
Speaker 2: It's hard and overwhelming if you don't get it. But
33:26
Speaker 2: don't worry. You can't muck this up because I've actually
33:29
Speaker 2: locked every single cell in it, so you can only
33:31
Speaker 2: put numbers in and change like the names for things.
33:34
Speaker 2: You can't break it because I've locked it.
33:37
Speaker 4: Fantastic, that's what I need in my line.
33:40
Speaker 2: I was like when I made it, I literally laughed
33:42
Speaker 2: and was like, I'm going to lock this down so
33:44
Speaker 2: that no one can mess with my formulas, because I
33:47
Speaker 2: don't need someone accidentally messing with a formula and then
33:49
Speaker 2: getting like the wrong output, and then I'd be mortified.
33:52
Speaker 2: So no, we've like doubled down and I've even highlighted
33:56
Speaker 2: these are the only boxes you can fill in. You
33:58
Speaker 2: can change the names here. That's it.
34:01
Speaker 4: Okay good, It sounds like it's yeah for me.
34:04
Speaker 2: So far, so good. People tell me it's full proof.
34:07
Speaker 2: We love that money doest. I have a bit of
34:09
Speaker 2: a bone to pick with you, though, so I'll be
34:11
Speaker 2: nice to you I'll give you the money masterclass. But
34:13
Speaker 2: now you've got to sit down because I need to
34:15
Speaker 2: have a hard word with you. You said, I used
34:17
Speaker 2: to be in F and I was like, great, good reflection,
34:20
Speaker 2: but I'm now an E and I was like, okay,
34:22
Speaker 2: this is good, Like, let's have this conversation. You then
34:25
Speaker 2: went on to explain that you know you've got the
34:29
Speaker 2: goal of creating an emergency fund. You've already planned, you
34:32
Speaker 2: know what scent Link is going to look like for
34:34
Speaker 2: Matt Leeve. You've clearly got a very supportive partner who's,
34:37
Speaker 2: you know, making sure that you're putting yourself in the
34:39
Speaker 2: best possible position while you're going through this pregnancy. You
34:42
Speaker 2: knew off the top of your head what you're super
34:44
Speaker 2: was you have shares like you're an actually investor. Not
34:48
Speaker 2: only are you an investor, you invested in twenty twenty
34:51
Speaker 2: one one thousand dollars and now it's up to eighteen
34:53
Speaker 2: hundred bucks, you're also on shares. E's I fully anticipated
34:57
Speaker 2: someone who said that they were an E to say, no,
35:00
Speaker 2: I actually don't invest yet. They no idea even what
35:03
Speaker 2: it is, and that's not an issue. That was just
35:06
Speaker 2: my expectation. You then went on to say, I had
35:09
Speaker 2: a car loan of seventeen thousand dollars, brought my mum
35:12
Speaker 2: in to negotiate it down because I'm a genius and
35:14
Speaker 2: that's what I should have done. Didn't like the payments,
35:17
Speaker 2: so they guess what I did, tripled them, So I
35:20
Speaker 2: only have five hundred dollars left on that debt. I
35:23
Speaker 2: know exactly what I'm earning in my retail jobs. Not
35:26
Speaker 2: only do I have a retail job, I have two
35:28
Speaker 2: of them, and I work six days a week. I'm
35:30
Speaker 2: also pregnant. What the heck? You also explained how you're
35:34
Speaker 2: using after pay as a cash flow tool, but knew
35:38
Speaker 2: yourself so well that you didn't want two thousand dollars
35:41
Speaker 2: on it, so negotiated them down. Actually got in contact
35:45
Speaker 2: with them and said, can you please bring down my limit?
35:48
Speaker 2: No one does that in advance. You know what your
35:50
Speaker 2: tax return is going to be, and you're literally cash
35:54
Speaker 2: planning in your head to look, I know that I've
35:57
Speaker 2: got time and I don't have to submit my tax
35:59
Speaker 2: return yet, so I'm not going to because I'm probably
36:01
Speaker 2: gonna have to pay them three hundred dollars. Let's put
36:03
Speaker 2: that off a little bit. Like you are smarter than
36:06
Speaker 2: the average bear. If you had heard this money story
36:09
Speaker 2: about anybody else, would you have been like, yeah, the
36:13
Speaker 2: an E is fair.
36:15
Speaker 4: No, I think I'm a bit harder on myself than
36:18
Speaker 4: I would like to be. You think, well, I think
36:22
Speaker 4: it comes from like all the past me, and now
36:24
Speaker 4: that we kind of talk about it, I can see
36:26
Speaker 4: that I've made a lot more growth.
36:28
Speaker 2: You absolutely have. And then on top of that, I
36:31
Speaker 2: can tell you're letting your money story define who you are, Like, yes,
36:36
Speaker 2: you've come from a wealthy family and subsequently you learnt,
36:40
Speaker 2: according to you, no money skills. But I would say
36:42
Speaker 2: that you do have good money skills and are being
36:45
Speaker 2: super harsh on yourself, but you cannot let yourself be
36:49
Speaker 2: defined by your money story. Like you're the one that's
36:53
Speaker 2: currently in control of your money story and where you're
36:55
Speaker 2: going and what that's going to look like, and how
36:57
Speaker 2: you and your partner deal with cash, and then how
36:59
Speaker 2: you and your partner have the baby, and how you
37:01
Speaker 2: communicate money conversations around her. Like an E, hypothetically, if
37:07
Speaker 2: you were to become an a what kind of work
37:11
Speaker 2: do you think that would take?
37:14
Speaker 4: I think I would like to be out of debt,
37:16
Speaker 4: and I'd like to have my emergency fund sort of
37:20
Speaker 4: sorted so that I could start saving for like other
37:23
Speaker 4: bits and pieces, because like I said, I'm still impulsive,
37:26
Speaker 4: so I think i'd want to get on top of
37:28
Speaker 4: that a little bit before I could say for certain
37:31
Speaker 4: that I'm an A. But I think if I'm being
37:35
Speaker 4: kinder on myself, maybe I'm a C right now, but
37:38
Speaker 4: working my way up.
37:39
Speaker 2: I love that. I feel like sometimes we get money
37:43
Speaker 2: dirests on and it's this beautiful reflection that maybe they're
37:46
Speaker 2: not doing as bad as they thought they would. And
37:50
Speaker 2: I think the thing that I love about this is
37:52
Speaker 2: you said, look, I really want to get on top
37:54
Speaker 2: of my debt. I really want to create an emergency fund.
37:57
Speaker 2: I really want to shift my mindset a bit. But
37:59
Speaker 2: you're so of that. Like people who aren't changing and
38:04
Speaker 2: are genuinely an E or an EF at money, they're
38:07
Speaker 2: not talking about shifting their mindset. They're not, you know,
38:11
Speaker 2: talking about getting on top of debt and having an
38:13
Speaker 2: emergency fund, both of which are very bright lights in
38:17
Speaker 2: the tunnel at the moment, because we know you're about
38:19
Speaker 2: to get on top of your debt. We know that
38:21
Speaker 2: you're planning to organize an emergency fund. Like I like
38:25
Speaker 2: that you're a C. I can see that becoming an
38:27
Speaker 2: A is definitely in your future. But I have loved
38:31
Speaker 2: this money dory. I feel like it is such a
38:33
Speaker 2: good reminder that we are all so harsh on ourselves
38:36
Speaker 2: until we like zoom out. We have thousands of people
38:40
Speaker 2: that write in to share their money stories with us,
38:42
Speaker 2: and I'm so grateful for that. But even if you
38:46
Speaker 2: don't end up on the show, maybe sitting down and
38:49
Speaker 2: writing out your money story and answering all of the
38:52
Speaker 2: money story questions like you know, what is your attitude
38:54
Speaker 2: towards money? What would you grade yourself? You know, what
38:57
Speaker 2: are your goals? How much are you spending? Like are
39:00
Speaker 2: you investing? Are you in debt? And actually sitting down
39:02
Speaker 2: and going, well, what does this actually look like? I
39:05
Speaker 2: think so many of us would regrade ourselves and go, actually,
39:09
Speaker 2: I'm doing pretty well and I'm pretty proud of myself.
39:11
Speaker 2: So I hope that people, after listening to your money
39:14
Speaker 2: story go if she thought she was an E and
39:17
Speaker 2: got upgraded to a seat, I could probably do the same.
39:22
Speaker 4: I hope. So I think that's why I wanted to
39:24
Speaker 4: come on because as much as I love hearing everybody
39:26
Speaker 4: who is fantastic, I also wanted to come on and
39:29
Speaker 4: be an inspiration for somebody who's in the same situation
39:32
Speaker 4: as me.
39:32
Speaker 2: I did think it was going to go into unrelatable
39:35
Speaker 2: territory when you did say I've got about one hundred
39:37
Speaker 2: and eighty and I was like, sorry, what like thousand
39:40
Speaker 2: in shares? Like this just became not the diary i'd anticipated,
39:44
Speaker 2: but money, Darrist. Sadly we've run out of time, but
39:47
Speaker 2: I have adored having this conversation with you. I'm so
39:50
Speaker 2: excited for everything that's in your future. I'm so excited
39:54
Speaker 2: that you get to go on the parenting journey and
39:56
Speaker 2: that you're getting all your money together. I get extra
39:59
Speaker 2: excited when people are only a couple of hundred dollars
40:02
Speaker 2: off paying off their debt, like it's a good time
40:04
Speaker 2: to be talking about money. So money, Doris, thank you
40:07
Speaker 2: so much. I've adored this, and I know our community
40:10
Speaker 2: will as well.
40:11
Speaker 4: Thank you so much. I've really loved chatting to units
40:14
Speaker 4: change my opinion of myself a little bit, which is
40:16
Speaker 4: lovely good.
40:17
Speaker 2: Oh my gosh, thank you so much. The advice shared
40:26
Speaker 2: on She's on the Money is general in nature and
40:28
Speaker 2: does not consider your individual circumstances. She's on the Money
40:32
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40:35
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40:39
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40:41
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