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MONEY DIARIES: Debt free side hustler · She's On The Money

• 0:00
  Speaker 1: She's on the Money, She's on the Money.
• 0:18
  Speaker 2: Hello, and welcome to another episode of She's on the
• 0:22
  Speaker 2: Money's Money Diaries, the money diary from millennials who want
• 0:26
  Speaker 2: to be a little bit more pervy. So this week
• 0:29
  Speaker 2: we are talking to a dead free side hustler and
• 0:33
  Speaker 2: Ryan and I HAPPI literally just finished the interview with her,
• 0:36
  Speaker 2: and I could not be more inspired by her story,
• 0:39
  Speaker 2: and I'm sure the same is going to be true
• 0:40
  Speaker 2: for you now. When she sent through an email to
• 0:43
  Speaker 2: be on the show, she actually sent what I would
• 0:46
  Speaker 2: call a minor thesis.
• 0:47
  Speaker 3: Well she called it an essay.
• 0:49
  Speaker 2: She called it an essay. It was very, very long.
• 0:51
  Speaker 2: So instead of getting Ryan to read that out for
• 0:54
  Speaker 2: you this week, we are just going to jump straight
• 0:56
  Speaker 2: into an interview and get her to explain her story
• 0:59
  Speaker 2: in her words for you. So let's jump straight in. Friends,
• 1:02
  Speaker 2: I know this is a goodie.
• 1:05
  Speaker 4: Do you want to describe your family's attitude to money
• 1:08
  Speaker 4: and what you learned about money growing up?
• 1:10
  Speaker 5: Money was never a topic growing up. I just knew
• 1:16
  Speaker 5: we never had much money. I know when I was younger.
• 1:21
  Speaker 5: I'm the oldest, so when I was younger, I know
• 1:25
  Speaker 5: we had like a lot of money issues, and I
• 1:27
  Speaker 5: just remember that from like occasionally we had to get
• 1:30
  Speaker 5: food boxes from like the Selbos or you know that
• 1:33
  Speaker 5: sort of stuff, the Red Cross whatever it is. And yeah,
• 1:39
  Speaker 5: my parents were like never great with money. They never
• 1:43
  Speaker 5: talked about it. But essentially I just had no money education.
• 1:47
  Speaker 5: I just knew we didn't have much money, and I
• 1:49
  Speaker 5: had no idea about money.
• 1:52
  Speaker 4: So with that background, if we fast forward a few
• 1:55
  Speaker 4: years to the point where I believe your partner lost
• 1:58
  Speaker 4: his job and all of a sudden, you guys end
• 2:00
  Speaker 4: up in a whole bunch of debt.
• 2:02
  Speaker 3: Tell me about where you were.
• 2:04
  Speaker 6: Oh, it was extremely stressful.
• 2:09
  Speaker 5: We were fairly new into a relationship, and it was
• 2:13
  Speaker 5: extremely daunting having to take on that stress of obviously
• 2:19
  Speaker 5: my partner losing his job and then him having to
• 2:22
  Speaker 5: sell his apartment because he couldn't cover the mortgage anymore.
• 2:26
  Speaker 5: I was also severely in debt myself for very stupid reasons.
• 2:33
  Speaker 3: And how old are you at this stage?
• 2:35
  Speaker 5: Back then, I was like twenty one two. Yeah, yeah,
• 2:41
  Speaker 5: my partner is a couple of years older. But it
• 2:45
  Speaker 5: was there was about three or four years there that
• 2:50
  Speaker 5: were like extremely stressful with money, and all we did
• 2:53
  Speaker 5: was argue about money, and it was a really hard time.
• 2:57
  Speaker 4: So yeah, so we know now that you found you know,
• 3:01
  Speaker 4: the debt free community and you've really changed you around.
• 3:03
  Speaker 4: Can you remember this one moment where you thought that's it,
• 3:08
  Speaker 4: I'm going to go pick up a book, or I'm done,
• 3:10
  Speaker 4: or I needed. Something's got to give, something's got to change.
• 3:13
  Speaker 4: What was the yeah, that final straw?
• 3:15
  Speaker 3: I guess.
• 3:16
  Speaker 5: I think I was in quite a positive headspace with
• 3:19
  Speaker 5: money for a little while, like in terms of wanting
• 3:23
  Speaker 5: to do better with money, but we just couldn't cut it,
• 3:25
  Speaker 5: like couldn't cut a brake. And then eventually when we
• 3:28
  Speaker 5: did get our break, which was my partner finding full
• 3:32
  Speaker 5: time work again and we moved States, that was the
• 3:36
  Speaker 5: moment where I was like, Okay, let's get our butts
• 3:39
  Speaker 5: into gear. We've been given this sort of ticket to
• 3:42
  Speaker 5: get ourselves out of trouble financially, so I like, we
• 3:46
  Speaker 5: might as well grab it by the horns and really
• 3:49
  Speaker 5: focus on getting out of debt and getting ourselves back
• 3:51
  Speaker 5: into a better financial situation because for years we had
• 3:55
  Speaker 5: struggled with you know, not being able to do social
• 3:58
  Speaker 5: things like obviously like defaulting on our credit reports. Yeah,
• 4:05
  Speaker 5: like pretty much everything that was bad happened to us
• 4:08
  Speaker 5: with money.
• 4:09
  Speaker 6: So yeah, and.
• 4:10
  Speaker 4: What was your first sort of point of call in
• 4:13
  Speaker 4: terms of, you know, teaching yourself stuff. You said that
• 4:16
  Speaker 4: you'd recently found our podcast and you've binged it.
• 4:18
  Speaker 3: But what else did you.
• 4:20
  Speaker 4: Find, either in terms of you know, education or just
• 4:23
  Speaker 4: online communities. What were the things that you found that
• 4:26
  Speaker 4: were quite helpful?
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  Speaker 6: So I think my first introduction.
• 4:30
  Speaker 5: To it all was I don't know, I think maybe
• 4:34
  Speaker 5: just doing some googling, and then I found through Instagram
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  Speaker 5: a lot of like budget accounts and debt free accounts,
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  Speaker 5: and I was like, whoa, this is cool, Like there's
• 4:44
  Speaker 5: a whole little society and yeah, yeah, yeah, I didn't
• 4:49
  Speaker 5: know existed. And so firstly I was like using that
• 4:52
  Speaker 5: for tips and like using people's budgeting templates and that
• 4:55
  Speaker 5: sort of stuff.
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  Speaker 6: And then from there it kind of through.
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  Speaker 5: There was a couple of people who, you know, as
• 5:02
  Speaker 5: you'd know within that community, there's a few like cult following,
• 5:06
  Speaker 5: you know, with people that have done different totally different
• 5:09
  Speaker 5: YouTube channels and that sort of stuff. So I just
• 5:13
  Speaker 5: sort of kept reading and watching, and what started within
• 5:18
  Speaker 5: the Instagram community really grew into a massive passion for
• 5:22
  Speaker 5: me and just wanting to learn and consume as much
• 5:26
  Speaker 5: knowledge as possible about money. So cool.
• 5:29
  Speaker 6: Yeah, so like.
• 5:31
  Speaker 2: Not going through it, but that's so cool that you've
• 5:33
  Speaker 2: gone through this journey and I can feel it in
• 5:36
  Speaker 2: your voice that you're speaking so honestly about it. And
• 5:40
  Speaker 2: one of the questions that I have that I think
• 5:42
  Speaker 2: is really important to bring up here actually, and it's
• 5:44
  Speaker 2: not related to my usual interview money dire questions, but
• 5:48
  Speaker 2: throughout that period, how was your mental health?
• 5:50
  Speaker 6: Oh? So bad.
• 5:52
  Speaker 5: I'm quite open and honest about my mental health issues.
• 5:56
  Speaker 5: I've struggled with depression anxiety for a number of years,
• 6:00
  Speaker 5: and that was definitely amplified during those difficult times when
• 6:06
  Speaker 5: you're in such a negative place financially, especially because it's
• 6:12
  Speaker 5: such a taboo topic for people, you know, I think
• 6:14
  Speaker 5: it really hits some people in the ego and they
• 6:18
  Speaker 5: feel ashamed to talk about when they're struggling with money.
• 6:23
  Speaker 5: So yeah, it's really a really negative place to be in,
• 6:26
  Speaker 5: and I don't think that gets spoken about enough.
• 6:30
  Speaker 6: It can really destroy people.
• 6:31
  Speaker 2: Yeah, absolutely, And that's just kind of what we're sitting
• 6:33
  Speaker 2: in the back of my mind as you were speaking
• 6:36
  Speaker 2: through that, because it just compounds mental health. So like
• 6:39
  Speaker 2: if you're prone to it, it amplifies it. If you
• 6:43
  Speaker 2: you know, haven't had mental health issues before and now
• 6:45
  Speaker 2: you're going through pretty significant financial you know, disadvantage, you
• 6:51
  Speaker 2: start to develop these you know, mental health issues, and
• 6:54
  Speaker 2: it just is not fair, Like, and I think that
• 6:57
  Speaker 2: we don't talk about it enough. We don't talk about
• 6:59
  Speaker 2: the relationship between money and mental health nearly enough. And
• 7:02
  Speaker 2: I think that's something that with Shees on the Money,
• 7:03
  Speaker 2: we're always talking about and trying to get people to
• 7:06
  Speaker 2: see that these things are so closely related. And if
• 7:09
  Speaker 2: you can sort money out in someone's family, you can
• 7:12
  Speaker 2: have such a big impact. It's not just about putting
• 7:15
  Speaker 2: food on the table, albeit that's so important. It's about
• 7:18
  Speaker 2: mental health, the mental health of your kids, the relationships
• 7:21
  Speaker 2: you have, the way you interact in those relationships every
• 7:24
  Speaker 2: single day is impacted by your money story. And it
• 7:26
  Speaker 2: just so powerful.
• 7:28
  Speaker 5: Yeah, one hundred percent. And that's the thing, Like, when
• 7:30
  Speaker 5: it comes down to like the basics, you really can't
• 7:35
  Speaker 5: survive without money, Like, and especially in this day and age,
• 7:39
  Speaker 5: like everything is based around money and what you can afford,
• 7:44
  Speaker 5: and if you're drowning in debt, and all that sort
• 7:46
  Speaker 5: of stuff.
• 7:46
  Speaker 6: So, yeah, I think it's so.
• 7:47
  Speaker 5: Important having a good money and mental health balance because
• 7:54
  Speaker 5: they both affect each other absolutely.
• 7:57
  Speaker 4: So you eventually start paying off this debt, you get
• 8:01
  Speaker 4: back to you know, almost even, and tell me about
• 8:05
  Speaker 4: and this is where it starts getting fun.
• 8:07
  Speaker 3: And I was like, this sounds so cool.
• 8:10
  Speaker 4: You're pregnant with the child and you know you become parents,
• 8:13
  Speaker 4: but you decide, nah, that doesn't mean I'm not going
• 8:16
  Speaker 4: to keep working, so you start snooping around on Air Tasker,
• 8:19
  Speaker 4: So tell me about that.
• 8:20
  Speaker 5: Yes, So when I we just we got out of
• 8:24
  Speaker 5: debt a month after our son was born.
• 8:28
  Speaker 6: That was like our goal of wanting to have a baby.
• 8:31
  Speaker 3: Yeah yeah, how good is that?
• 8:32
  Speaker 2: How good?
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  Speaker 5: I'm in my late thirties and we've sort of made
• 8:36
  Speaker 5: that decision of no, we want we want to have
• 8:38
  Speaker 5: a baby sooner than later, so we'll like, let's get
• 8:42
  Speaker 5: pregnant and then pay off our debt. And thank god
• 8:44
  Speaker 5: we got it done. Anyway, Yes, Air Tasker. When I
• 8:48
  Speaker 5: went on maternity leave, I was at home. This was
• 8:52
  Speaker 5: before like payments start and stuff like that. I were
• 8:57
  Speaker 5: sitting at home all the time, heavily pregnant, and I'm like,
• 9:01
  Speaker 5: I surely there's something I can do with my time
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  Speaker 5: besides watching trash TV every day.
• 9:08
  Speaker 3: So just for.
• 9:09
  Speaker 4: People that don't know, can you just quickly in a
• 9:11
  Speaker 4: sentence just describe what air tasker is in general if
• 9:14
  Speaker 4: people haven't.
• 9:14
  Speaker 3: Heard of it.
• 9:15
  Speaker 5: So, air Tasker is essentially an online platform.
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  Speaker 6: Where you can.
• 9:21
  Speaker 5: Offer your services or request other people's services, and then
• 9:26
  Speaker 5: you kind of like bargain with other people and then
• 9:30
  Speaker 5: people select you or you select people based off you know,
• 9:33
  Speaker 5: experience their offer, that sort of stuff reviews. So yeah,
• 9:36
  Speaker 5: air Tasker, I was working as someone offering my services.
• 9:41
  Speaker 3: And what were you offering?
• 9:42
  Speaker 5: I was offering. I've got a history in like design
• 9:46
  Speaker 5: and stuff like that. I never worked professionally in design.
• 9:49
  Speaker 5: It's what I wanted to do when I graduated from school,
• 9:51
  Speaker 5: but I flunked and.
• 9:52
  Speaker 6: Never did it. But I started offering graphic.
• 9:55
  Speaker 5: Design services and like online administration services so like transcribing
• 10:02
  Speaker 5: data entry, that sort of stuff.
• 10:04
  Speaker 6: Yep.
• 10:05
  Speaker 4: Yeah, And there is really no job too small for
• 10:07
  Speaker 4: air task stuff like smart I've seen stuff that it's like, oh,
• 10:10
  Speaker 4: I've got a word document, can you like save it
• 10:13
  Speaker 4: to a pea?
• 10:14
  Speaker 3: That like really small obsw stuff like that. People like
• 10:18
  Speaker 3: I don't know how to do it, I'll pay you
• 10:19
  Speaker 3: four dollars. I've got one hundred of them.
• 10:20
  Speaker 6: You're like, okay, I one of those jobs before.
• 10:24
  Speaker 5: It's like they just don't have the program or the
• 10:26
  Speaker 5: knowledge to do it, and they'll pay you twenty bucks
• 10:29
  Speaker 5: to do it.
• 10:30
  Speaker 2: What shocks me most about that is they've had the
• 10:33
  Speaker 2: technology ability to download the app and post it. Yeah,
• 10:39
  Speaker 2: pick it out task, but they can't just go file
• 10:42
  Speaker 2: say that as Adobe.
• 10:44
  Speaker 6: Yeah, that's it.
• 10:46
  Speaker 2: I'm going to just not share how to though, because
• 10:49
  Speaker 2: I want to keep you in the job, my friends.
• 10:51
  Speaker 4: Yeah, you can make a really good YouTube video, Victoria.
• 10:54
  Speaker 4: That's just here's how to save a document to a PDF,
• 10:56
  Speaker 4: and you would wipe out a whole industry.
• 10:58
  Speaker 6: Sorry, please do not.
• 11:01
  Speaker 3: So what kind of money can you earn?
• 11:04
  Speaker 4: Obviously it's you know, the more hours you spend, the
• 11:07
  Speaker 4: more you can get. But how much were you sort
• 11:09
  Speaker 4: of earning? Keeping in mind, you know you are pregnant
• 11:12
  Speaker 4: and trying to keep some kind of calm in your life.
• 11:15
  Speaker 6: So it's important to know that air tasker do take
• 11:17
  Speaker 6: out a feed?
• 11:18
  Speaker 2: Oh what's that fee?
• 11:20
  Speaker 5: So say, if someone wants to pay you to do
• 11:24
  Speaker 5: a graphic design job for one hundred dollars, and you
• 11:27
  Speaker 5: accept that one hundred dollar job, you may only get
• 11:29
  Speaker 5: paid like eighty dollars because Air Tasker will take a fee.
• 11:32
  Speaker 6: Oh wow, yeah that's an estimate. An estimate.
• 11:35
  Speaker 5: It may not be that exactly, but yeah, at the start,
• 11:39
  Speaker 5: I wasn't making much money because you kind of have
• 11:41
  Speaker 5: to build up you know, like a profile and examples
• 11:44
  Speaker 5: and reviews and you know, star ratings and stuff. But
• 11:48
  Speaker 5: I think within that financial year, I think I made
• 11:54
  Speaker 5: maybe like three grand on air Tasker.
• 11:57
  Speaker 2: That's pretty good for sitting at home watching trash tea
• 12:00
  Speaker 2: and waiting to have a baby.
• 12:01
  Speaker 5: I okay, yes, yeah that's it. Yeah, so it's it's
• 12:06
  Speaker 5: a good little earner. But I think the important thing
• 12:09
  Speaker 5: is Air Tasker led me to doing what I currently.
• 12:14
  Speaker 6: Do, which is what my friend I now.
• 12:18
  Speaker 5: Work as a freelance designer for a design studio in Brisbane.
• 12:23
  Speaker 3: Oh my gosh, how cool you use the word flunk Before,
• 12:26
  Speaker 3: like in high school, I wanted to do this.
• 12:28
  Speaker 2: Now now you're like, and you're not employed doing it.
• 12:31
  Speaker 2: You're a freelance and doing it so you've got your
• 12:33
  Speaker 2: own hustle.
• 12:34
  Speaker 6: What how cool is that?
• 12:36
  Speaker 2: So you've gone from being like, oh I love this.
• 12:39
  Speaker 2: I cannot tell you how excited I am about your
• 12:41
  Speaker 2: money story. So you've gone from just having like not
• 12:44
  Speaker 2: great attitude towards money, not really learning about it growing up,
• 12:48
  Speaker 2: you know, being in some pretty significant debt, having super
• 12:51
  Speaker 2: stressful years, to being like a kid lass mum who
• 12:54
  Speaker 2: is debt free and runs your own truck.
• 12:57
  Speaker 6: That's it.
• 12:58
  Speaker 2: If that's not inspiring, I I don't know what it is.
• 13:00
  Speaker 5: Yeah, And then I've still I've got a couple of
• 13:02
  Speaker 5: other side hustles there as well.
• 13:05
  Speaker 2: Of course she does what are they?
• 13:08
  Speaker 5: So I've got the freelance job. Then I also do
• 13:11
  Speaker 5: a because my backgrounds in cleaning. I worked in housekeeping
• 13:14
  Speaker 5: for like ten years up until I had my baby,
• 13:17
  Speaker 5: and I now do a local clean for an airbnb
• 13:21
  Speaker 5: for a local mum. So that's anywhere from like three
• 13:25
  Speaker 5: times a week to a couple of times a month,
• 13:28
  Speaker 5: which is just a little bit of extra pocket money.
• 13:31
  Speaker 5: And then I also do reselling at markets, So I
• 13:35
  Speaker 5: do seasonal markets where I resell old clothes of mine
• 13:39
  Speaker 5: or like really cool vintage lines that I pick up.
• 13:42
  Speaker 5: That's another little earner.
• 13:45
  Speaker 4: Yeah, so, and what's your attitude with having a consistent
• 13:51
  Speaker 4: income versus, you know, keeping it a bit varied and
• 13:54
  Speaker 4: having different things on the go, Because does that make
• 13:57
  Speaker 4: it mentally stressful or maybe it's mentally stimulating because you're
• 14:00
  Speaker 4: doing lots of different things and going to different places.
• 14:03
  Speaker 3: Where do you find the balance of those?
• 14:05
  Speaker 5: I think because I'm not solely relying on this on
• 14:08
  Speaker 5: my income to get us by, Like, it's important to
• 14:11
  Speaker 5: note my partner does work in construction and he sits
• 14:14
  Speaker 5: on a salary.
• 14:15
  Speaker 6: I think he's in a fourth year apprentice now, so.
• 14:17
  Speaker 5: His salary is around maybe seven year eighty thousand, So
• 14:22
  Speaker 5: that's still a consistent income for us. So yeah, my
• 14:26
  Speaker 5: varied freelancing, soul tradeer work is more so just pocket
• 14:32
  Speaker 5: money and extra savings.
• 14:34
  Speaker 4: And I know the answer to this because you told
• 14:37
  Speaker 4: me in the email. But for Victoria, you went from
• 14:40
  Speaker 4: being in debt and paying the debt off and then
• 14:42
  Speaker 4: I believe any extra money you made from this kind
• 14:45
  Speaker 4: of stuff you saved and started investing.
• 14:47
  Speaker 3: Where were you at at the moment?
• 14:50
  Speaker 6: Yeah, so I thoughtfolios. I think maybe just under twenty
• 14:54
  Speaker 6: thousand dollars my gosh, yes, yeah, oh, good.
• 14:58
  Speaker 2: I want to get a little bit paid. So you
• 15:00
  Speaker 2: mentioned your partner's income before. What are you earning at
• 15:04
  Speaker 2: the moment?
• 15:05
  Speaker 5: I my estimate for this financial year is probably around
• 15:13
  Speaker 5: thirty thousand. It's not huge, but a portion of that
• 15:18
  Speaker 5: is also job keeper. So I was very, very lucky
• 15:20
  Speaker 5: when COVID hit that because I was still employed with
• 15:23
  Speaker 5: my previous employers, I did get job keeper on the
• 15:26
  Speaker 5: part time basis scale.
• 15:27
  Speaker 2: That is awesome. Yeah, you're saying like that's not as good,
• 15:31
  Speaker 2: but that is epic given how much you've managed to
• 15:33
  Speaker 2: save and invest, like that is such an accomplishment. Like
• 15:37
  Speaker 2: I'm just looking at this going wow, Like I have
• 15:39
  Speaker 2: so many questions between you and your partner. How much
• 15:43
  Speaker 2: money sitting in your bank account right now?
• 15:46
  Speaker 5: We have twenty seven thousand in our house was it fund?
• 15:51
  Speaker 5: I've got five hundred in my business account. We've got
• 15:56
  Speaker 5: roughly a thousand within our saving spending account sorry our
• 16:01
  Speaker 5: spending's accounts. Oh, we've got our emergency fund, but it's
• 16:04
  Speaker 5: depleted at the moment, which.
• 16:05
  Speaker 2: Kind of makes sense given the current economic crisis, which
• 16:10
  Speaker 2: is nice. And how do you how do you feel
• 16:14
  Speaker 2: when making decisions around money nowadays? Like having been through
• 16:17
  Speaker 2: such a stressful time, especially during COVID. How did that
• 16:21
  Speaker 2: make you, guys feel?
• 16:22
  Speaker 5: It sounds funny, but like whenever we get paid every
• 16:25
  Speaker 5: week and I'm like moving all of our money around
• 16:27
  Speaker 5: our accounts, I kind of feel empowered because it's not.
• 16:31
  Speaker 3: Like, yeah, totally feel that.
• 16:37
  Speaker 5: I don't have to sit down in front of a
• 16:39
  Speaker 5: spreadsheet anymore, where I'm like really looking into how we're
• 16:42
  Speaker 5: budgeting and like where the bills are getting paid, and
• 16:46
  Speaker 5: like what we might have to push back and that
• 16:47
  Speaker 5: sort of stuff. Like now I can just sit down
• 16:49
  Speaker 5: and go, Okay, we pay the same amount into every
• 16:52
  Speaker 5: single account every single week, same amount for bills comes
• 16:55
  Speaker 5: out every single week, and like it just feels really good.
• 17:00
  Speaker 2: I love that. You must be so proud of yourself.
• 17:03
  Speaker 5: Yeah, I kind of like, I'm kind of yeah.
• 17:07
  Speaker 2: We'll have more questions with our money. Diris coming up next.
• 17:25
  Speaker 2: What other money habits do you have that.
• 17:26
  Speaker 5: You're especially proud of the fact that I think our
• 17:30
  Speaker 5: finances are so streamlined and we don't have to think
• 17:35
  Speaker 5: about it much anymore.
• 17:38
  Speaker 6: I'm also pretty good. I go through phases.
• 17:41
  Speaker 5: I've got to admit sometimes like some days a wake
• 17:44
  Speaker 5: up and I'll be like, all right, I'm going to
• 17:46
  Speaker 5: Target and I'm probably just going to spend one hundred
• 17:49
  Speaker 5: bucks at Target.
• 17:50
  Speaker 6: But we have we have, yeah, everybody.
• 17:53
  Speaker 5: But I feel like I'm very good at putting time
• 17:57
  Speaker 5: between my purchases.
• 17:59
  Speaker 6: Yes, I'm also.
• 18:02
  Speaker 5: Is it Jessica that's the one that thinks she can
• 18:04
  Speaker 5: manifest anything in face?
• 18:06
  Speaker 2: But that's yess that is actually.
• 18:07
  Speaker 5: I'm one hundred percent on that.
• 18:11
  Speaker 6: Yeah, I'm really blameless.
• 18:13
  Speaker 3: To me, what you just imagine something's going to appear.
• 18:15
  Speaker 2: On but you're not listening to her.
• 18:17
  Speaker 3: You were on the show.
• 18:18
  Speaker 4: But I want to hear someone else say this, because
• 18:20
  Speaker 4: when I heard it, I was like, this sounds like
• 18:22
  Speaker 4: something just is.
• 18:22
  Speaker 2: Just made up of No, jess didn't make it up.
• 18:24
  Speaker 3: It's a thing money direct, tell it back to me.
• 18:27
  Speaker 6: Manifesting. Manifesting is one hundred percent a thing.
• 18:30
  Speaker 5: Like to give you an example, I had to set
• 18:33
  Speaker 5: up like a little home business like home study for
• 18:36
  Speaker 5: myself a few weeks ago. I ended up getting a
• 18:40
  Speaker 5: free desk, a free desk chair. I got a brand
• 18:45
  Speaker 5: new computer monitor for like eighty dollars and it was
• 18:49
  Speaker 5: like three.
• 18:50
  Speaker 6: Hundred and fifty.
• 18:51
  Speaker 5: I think, so, yeah, you just got to manifest put
• 18:54
  Speaker 5: those vibes out there.
• 18:56
  Speaker 4: So we talked about earning extra bits of money from
• 18:59
  Speaker 4: all the different side hustles and air task of stuff.
• 19:00
  Speaker 4: Do you think also not earning more but spending less
• 19:04
  Speaker 4: by doing this and the manifesting and finding those little bargains,
• 19:07
  Speaker 4: that's just as big as contributor as the earning has
• 19:10
  Speaker 4: been to get where you are.
• 19:11
  Speaker 5: One hundred percent, Like for us, where you didn't get
• 19:15
  Speaker 5: out of debt by earning a high income. We got
• 19:17
  Speaker 5: out of debt by spending less, budgeting better and like, yeah,
• 19:23
  Speaker 5: trying to hustle and find like cheaper goods and stuff
• 19:26
  Speaker 5: like that.
• 19:27
  Speaker 4: Can I just put an exclamation mark right here because
• 19:29
  Speaker 4: we know and from Victoria's there's a lot of people
• 19:33
  Speaker 4: that earn a lot of money and are broke, and
• 19:35
  Speaker 4: there's a lot of people that don't earn that much,
• 19:39
  Speaker 4: you know, in inverted commas, but are really savvy and
• 19:41
  Speaker 4: they're smart with it, and they're by far better off
• 19:44
  Speaker 4: than the people with the high income. So if a
• 19:46
  Speaker 4: lot of people are in a bit of a tough
• 19:48
  Speaker 4: spot or they think, oh, my industry doesn't actually pay
• 19:51
  Speaker 4: that well, well, I mean sure in theory it helps
• 19:54
  Speaker 4: to earn a lot more, but it's not actually a
• 19:56
  Speaker 4: huge factor.
• 19:56
  Speaker 3: It is genuinely what you do with it.
• 19:59
  Speaker 2: Yeah, absolute, it's not what you make. It's what you're
• 20:02
  Speaker 2: contributing towards debt reduction and all of the other things
• 20:05
  Speaker 2: around it. And there are so many people in our
• 20:08
  Speaker 2: community at the moment that are in the position that
• 20:10
  Speaker 2: you were a couple of years ago, and it's so
• 20:14
  Speaker 2: hard to see the light at the end of the
• 20:15
  Speaker 2: tunnel when you are in it, like when you're in
• 20:17
  Speaker 2: the trenches and you just wake up every day and
• 20:19
  Speaker 2: remember that that's the situation, and it just feels all overwhelming.
• 20:23
  Speaker 2: So to past you and to our community members who
• 20:27
  Speaker 2: are currently in this situation, what would you say to them?
• 20:31
  Speaker 6: Just like, stick to your guns.
• 20:34
  Speaker 5: I feel like if you're on a lower income, like
• 20:36
  Speaker 5: I've worked in housekeeping for ten years, that's not a
• 20:39
  Speaker 5: high income, it might take longer, but you just have
• 20:45
  Speaker 5: to persevere. Because I constantly got stuck in that trap
• 20:48
  Speaker 5: of I'm not getting anywhere with paying this debt off,
• 20:51
  Speaker 5: and then I'd create more debt because I'd give in
• 20:54
  Speaker 5: on myself. So yeah, I think it's just, yeah, you
• 20:57
  Speaker 5: really got to persevere. Yeah, absolutely, It just takes a
• 21:01
  Speaker 5: little bit of a longer time, but you'll get there,
• 21:05
  Speaker 5: and once you get there, it's like you won't even
• 21:08
  Speaker 5: know yourself once you get there.
• 21:09
  Speaker 2: What is the one thing that you wish you'd found
• 21:12
  Speaker 2: earlier in this journey that could have helped you. Is
• 21:15
  Speaker 2: it a budgeting tool? Is it just believing in yourself?
• 21:18
  Speaker 2: Is it, you know, air tasker? Like, what's the one
• 21:22
  Speaker 2: thing you wish you know, when you were really in
• 21:24
  Speaker 2: the trenches of it, you wish you had.
• 21:27
  Speaker 6: It goes back even further than that.
• 21:29
  Speaker 5: I wish that like I got taught about money and
• 21:31
  Speaker 5: handling money when I was in school, Like that's what
• 21:34
  Speaker 5: it comes down to, I think, or even when I
• 21:38
  Speaker 5: freshly got out of school, like I just wish that
• 21:41
  Speaker 5: somebody grabbed me and was like, stop getting credit cards,
• 21:45
  Speaker 5: stop getting personal loans. But I think it's just I
• 21:48
  Speaker 5: don't think it's any particular thing. I just think it's
• 21:51
  Speaker 5: overall money, literacy, and education, because I feel like if
• 21:56
  Speaker 5: you have that education and understanding, you're less likely to
• 21:59
  Speaker 5: get yourself in like precarious situations with money.
• 22:02
  Speaker 2: I couldn't agree more. I absolutely couldn't agree more. And
• 22:06
  Speaker 2: hopefully with where she's on the money is going, we
• 22:09
  Speaker 2: will find our way and weasel our way into the
• 22:12
  Speaker 2: education system somehow. I'm putting it out to the universe,
• 22:17
  Speaker 2: my friend. Yeah, I'm going to manifest it. Yes, So
• 22:23
  Speaker 2: what are you currently saving for? What are your big
• 22:26
  Speaker 2: money goals? You mentioned before you had a home deposit account.
• 22:29
  Speaker 2: What are we looking forward to in the future.
• 22:31
  Speaker 5: Yeah, so our semi short term goal, I guess with
• 22:34
  Speaker 5: the house, we want to get a twenty percent deposit
• 22:37
  Speaker 5: for that, and we're hoping to get that within the
• 22:40
  Speaker 5: next two years or so.
• 22:42
  Speaker 6: For me personally, my biggest.
• 22:44
  Speaker 5: Goal, and this has been since the start, is creating
• 22:47
  Speaker 5: a passive income through my investments. So I want to
• 22:51
  Speaker 5: eventually one day be living off my dividends and stuff
• 22:56
  Speaker 5: like that. So that's like for me, that's more important than.
• 22:59
  Speaker 2: How So absolutely sounds like you are well.
• 23:03
  Speaker 3: Sounds familiar.
• 23:04
  Speaker 2: Yes, I don't know who else would have that goal.
• 23:10
  Speaker 2: So how would you rate yourself if I forced you
• 23:12
  Speaker 2: to give yourself a financial rating?
• 23:14
  Speaker 5: I feel like from where I've come to where we
• 23:18
  Speaker 5: are now, I would say in A I honestly think
• 23:22
  Speaker 5: the only thing holding me back from an A plus
• 23:25
  Speaker 5: is the fact that I am a little bit of
• 23:27
  Speaker 5: a gambler and sometimes I do take riskier options with
• 23:31
  Speaker 5: investing and stuff like that.
• 23:34
  Speaker 4: But so, do you mean gambling in terms of risky
• 23:37
  Speaker 4: investments or do you mean on the dogs?
• 23:40
  Speaker 6: I didn't bow.
• 23:43
  Speaker 3: Fair.
• 23:45
  Speaker 5: It's yeah, it's probably the same with shopping and that
• 23:48
  Speaker 5: sort of stuff.
• 23:49
  Speaker 6: Like.
• 23:49
  Speaker 5: I feel like sometimes I can be a little bit
• 23:51
  Speaker 5: irresponsible with money, and that's just an old habit I think.
• 23:54
  Speaker 5: But yeah, I feel like an a because I'm constantly
• 23:59
  Speaker 5: wanting to learn more and constantly wanting to set myself
• 24:04
  Speaker 5: and my family up for a better future.
• 24:05
  Speaker 6: So and I'm just so passionate about money.
• 24:08
  Speaker 2: So yeah, that is such a nice way to wrap it,
• 24:10
  Speaker 2: and I would absolutely agree with the A for yourself. Well,
• 24:13
  Speaker 2: thank you, so thanks so much for having a chat
• 24:16
  Speaker 2: with us today. I'm honestly so grateful to get this
• 24:18
  Speaker 2: story out there, and I know that there are going
• 24:20
  Speaker 2: to be so many people listening who are going to
• 24:22
  Speaker 2: be so inspired by your story. And yeah, you're killing
• 24:26
  Speaker 2: it and I am so glad that you are here.
• 24:28
  Speaker 6: Oh, thank you so much. That really means a lot.
• 24:31
  Speaker 3: Ryan.
• 24:32
  Speaker 2: That was literally one of the most inspiring money diaries
• 24:36
  Speaker 2: I think we've done today.
• 24:37
  Speaker 3: What a legend.
• 24:38
  Speaker 2: I actually am so proud of her, even though I
• 24:41
  Speaker 2: didn't do it.
• 24:41
  Speaker 3: Ye, you're impressed by her.
• 24:43
  Speaker 2: Yeah, I was very impressed by her. But unfortunately that
• 24:46
  Speaker 2: is all we have time for today. But before we
• 24:49
  Speaker 2: head off, we'd like to acknowledge and pay respects to
• 24:51
  Speaker 2: Australia's Aboriginal and Torres Strait Islander people's, the traditional custodians
• 24:55
  Speaker 2: of the lands, the waterways and the skies all across Australia.
• 25:00
  Speaker 2: Thank you for sharing and for caring on the land
• 25:01
  Speaker 2: which we are able to learn. We pay our respects
• 25:04
  Speaker 2: to elder's past and present, and we share our friendship
• 25:07
  Speaker 2: and our kindness now, friends, the advice shared on She's
• 25:10
  Speaker 2: on the Money is always general in nature and it
• 25:13
  Speaker 2: doesn't ever actually consider your personal circumstances. I am really
• 25:16
  Speaker 2: sorry about that. She's on the Money exists purely for
• 25:19
  Speaker 2: educational purposes and should not be relied upon to make
• 25:22
  Speaker 2: an investment or a financial decision. Now, I am still
• 25:25
  Speaker 2: actually an authorized representative of Australia Pacific Funds Management Proprietary
• 25:29
  Speaker 2: Limited ABN three four one three two four six three
• 25:31
  Speaker 2: two five seven AFSL three three nine one five one,
• 25:35
  Speaker 2: and as always, thank you so much to our producer
• 25:38
  Speaker 2: angels Beck and Ryan for pulling this all together.
• 25:42
  Speaker 4: If you yourself think you've got a great money diary
• 25:45
  Speaker 4: or money story to share, feel free to send me
• 25:47
  Speaker 4: an email Ryan dot John at She's on the money
• 25:50
  Speaker 4: dot com dotu. And I know a lot of people
• 25:52
  Speaker 4: love to share their great news, which is excellent, But
• 25:54
  Speaker 4: don't feel like you have to have finished your story.
• 25:57
  Speaker 3: You might be in the middle of the train wreck
• 25:59
  Speaker 3: right now. I would love that.
• 26:01
  Speaker 2: I would love to hear it. Like I don't love
• 26:03
  Speaker 2: that you're there, but I want to be a part
• 26:05
  Speaker 2: of that journey. And maybe we've got some tips or
• 26:07
  Speaker 2: tricks or you could inspire someone who's going through that
• 26:10
  Speaker 2: to know that they're not alone.
• 26:11
  Speaker 4: Yeah, and a lot of people message and say i'd
• 26:12
  Speaker 4: be great to hear some different pieces. And as you
• 26:14
  Speaker 4: can understand, people, you don't really want to shout from
• 26:17
  Speaker 4: the rooftops and you're in if you're in a bad spot,
• 26:19
  Speaker 4: but if you sort of flick the mindset and go, hey,
• 26:22
  Speaker 4: maybe these guys can help and get some advice. Maybe
• 26:24
  Speaker 4: people in a similar situation feel free to reach out.
• 26:27
  Speaker 4: And we'd love to have a chat so Ryan dot
• 26:29
  Speaker 4: John at She's on the money dot com dot are you. Also,
• 26:32
  Speaker 4: if you haven't already, check out the Facebook group there's
• 26:34
  Speaker 4: now one hundred.
• 26:34
  Speaker 3: And forty thousand people there.
• 26:37
  Speaker 4: Or jump on our Instagram as well. There's heaps of
• 26:39
  Speaker 4: great tips and stuff there as well.
• 26:40
  Speaker 3: Have a great weekend run. We'll chat to you on Wednesday,
• 26:42
  Speaker 3: so you were Wednesday.
• 26:43
  Speaker 2: Bye,