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MONEY DIARIES: More than 30 part time jobs, and just learning to save · She's On The Money

• 0:00
  Speaker 1: She's on the Money. She's on the Money.
• 0:23
  Speaker 2: Hello, and welcome to She's on the Money, the podcast
• 0:26
  Speaker 2: for millennials who want financial freedom. My name is Tony Lodge,
• 0:30
  Speaker 2: and joining me for another shotback money Diary is Victoria Divine.
• 0:34
  Speaker 3: Welcome. Hello, Tony Lodge.
• 0:37
  Speaker 4: How are you going?
• 0:38
  Speaker 3: I'm pretty good. I'm excited for another money Diary. And
• 0:42
  Speaker 3: I might have overheard you saying that this was a
• 0:44
  Speaker 3: good ee to Jess and that she'd had like thirty
• 0:46
  Speaker 3: jobs or something, but that is as far as I got.
• 0:49
  Speaker 3: Tony read out the email for me. I am very ready.
• 0:53
  Speaker 2: All right, here we go. From the age of fourteen
• 0:56
  Speaker 2: and nine months, I got a job. I've had over
• 0:59
  Speaker 2: thirty usual and part time job since then, just to
• 1:02
  Speaker 2: keep myself afloat thirty. My parents divorced when I was
• 1:07
  Speaker 2: in year twelve. Their money story was not a positive experience.
• 1:10
  Speaker 2: Dad made some dodgy deals, got mom to sign things
• 1:13
  Speaker 2: she shouldn't have, went bankrupt, use mums super to get
• 1:16
  Speaker 2: them out of it, sold our family house and broke
• 1:20
  Speaker 2: up our family.
• 1:21
  Speaker 3: What I know, it keeps going. Hang on right right,
• 1:25
  Speaker 3: I'm sitting down.
• 1:26
  Speaker 2: I moved in with Mum and my brothers and had
• 1:28
  Speaker 2: to work to be able to live as mum couldn't
• 1:30
  Speaker 2: afford to help us. I changed my mind about which
• 1:33
  Speaker 2: unicorse to undertake three times until I finally found the
• 1:36
  Speaker 2: one for me, and I've now been working full time
• 1:39
  Speaker 2: as a primary school teacher for three years.
• 1:42
  Speaker 3: Oh okay, crap.
• 1:43
  Speaker 2: I bought a brand new car on a loan in
• 1:45
  Speaker 2: my first year of teaching and got approved for a mortgage.
• 1:48
  Speaker 4: With my partner in my second year.
• 1:50
  Speaker 2: I've never had savings and have spent every dollar I
• 1:53
  Speaker 2: earned until now. I just hit two thousand dollars in
• 1:58
  Speaker 2: my emergency fund. Yes, tutor students after work as my
• 2:02
  Speaker 2: side hustle, and my partner and I have increased our
• 2:05
  Speaker 2: mortgageory payments to pay off our loan even faster. I've
• 2:09
  Speaker 2: never felt empowered and in control of my money. And
• 2:13
  Speaker 2: what a feeling that is. Thanks to Shoes on the
• 2:15
  Speaker 2: Money for all the help and guidance in helping people
• 2:17
  Speaker 2: see the light at the end of the tunnel.
• 2:20
  Speaker 3: Oh my heart, what a cool money story.
• 2:23
  Speaker 2: And we've got a money diarist on the line, of
• 2:25
  Speaker 2: course a lot of course.
• 2:26
  Speaker 4: We do money diarist.
• 2:28
  Speaker 3: How did you feel listening back to your own story
• 2:31
  Speaker 3: being read out by Tony.
• 2:33
  Speaker 5: My heart's racing a little bit, So I think writing
• 2:37
  Speaker 5: it down is one thing, but then having someone else
• 2:39
  Speaker 5: tell it back to you, you're like, oh.
• 2:41
  Speaker 4: That happened, and that happened.
• 2:43
  Speaker 5: Oh, like I just feels like it is a lot,
• 2:46
  Speaker 5: but yes, steps by step, I guess.
• 2:50
  Speaker 3: Would you like, Wow, she's really cool, She's achieved a
• 2:53
  Speaker 3: whole heap, because that's exactly what I was thinking, well
• 2:56
  Speaker 3: listening to that, like, your story is f hic. I've
• 3:00
  Speaker 3: gone through all of that, to go to UNI, to
• 3:02
  Speaker 3: get through UNI, to be a professional, to have a mortgage, Like,
• 3:05
  Speaker 3: all of those things are milestones that a lot of people,
• 3:08
  Speaker 3: having gone through similar situations, are still going. Oh I
• 3:12
  Speaker 3: hope one day I'll get to that stage and you're
• 3:14
  Speaker 3: just smashing goals left, right and center.
• 3:17
  Speaker 5: Yeah, it feels crazy because honestly, it feels like such
• 3:19
  Speaker 5: a blur that whole time. But I guess when you
• 3:22
  Speaker 5: say it like that and you put it like that,
• 3:23
  Speaker 5: yeah it sounds it sounds okay.
• 3:26
  Speaker 3: Very very impressive. Let's kick straight off into our money
• 3:30
  Speaker 3: diary questions because I want to have a chat with
• 3:33
  Speaker 3: you about that entire journey. A little bit later on
• 3:36
  Speaker 3: but money, Darius, what is your current attitude towards money?
• 3:40
  Speaker 5: So my attitude towards money is I would say it's
• 3:43
  Speaker 5: good now, but often hasn't been. So we grew up
• 3:47
  Speaker 5: with money on and off, but living outside, you know,
• 3:50
  Speaker 5: our means with my parents, so like we'd have a
• 3:52
  Speaker 5: big house but couldn't necessarily afford it. I went to
• 3:56
  Speaker 5: private school, couldn't necessarily afford it. So I think all
• 4:00
  Speaker 5: of that kind of was a bit confusing because there
• 4:02
  Speaker 5: wasn't one way to do things, and there wasn't necessarily
• 4:06
  Speaker 5: those learnings in place about how to use your money
• 4:08
  Speaker 5: and what to do with it. On all of that,
• 4:11
  Speaker 5: but I think, you know, for about the last ten years,
• 4:14
  Speaker 5: it's been tight. As I said, I was living at
• 4:16
  Speaker 5: home with my mom and my brothers, and I pretty
• 4:17
  Speaker 5: much had to pay for everything because she was a
• 4:19
  Speaker 5: single mum, and that's just the way it was. Living
• 4:22
  Speaker 5: paycheck to paycheck was really tough as well. I've spent
• 4:25
  Speaker 5: most of what I owned and never really saved, or
• 4:28
  Speaker 5: I'd have a little bit of savings and then splurge
• 4:30
  Speaker 5: it on the next best thing. I think I'm more
• 4:33
  Speaker 5: determined now to have that financial freedom at some stage
• 4:37
  Speaker 5: be able to have no debt, so I think I'm
• 4:40
  Speaker 5: really working towards that.
• 4:41
  Speaker 4: But it's a lot better now than it has been.
• 4:43
  Speaker 3: Oh good. I feel like you've got clarity on where
• 4:46
  Speaker 3: you're going and what you want to get up to,
• 4:48
  Speaker 3: so that is a very good thing. Money Diarist, The
• 4:51
  Speaker 3: next question I have for you is what do you
• 4:55
  Speaker 3: currently do for work? Which I think we already know,
• 4:57
  Speaker 3: but what do you do for work? And how much
• 4:59
  Speaker 3: money do you earn?
• 5:01
  Speaker 5: Okay, so I'm a primary school teacher and I earn
• 5:04
  Speaker 5: about seventy six thousand a year.
• 5:06
  Speaker 3: And what does your partner do, if that's not too pervy,
• 5:09
  Speaker 3: and how much do they earn?
• 5:11
  Speaker 4: That's fine. He's in construction and he's on about eighty
• 5:15
  Speaker 4: thousand a year.
• 5:16
  Speaker 3: Ah, so pretty good wicket between the two of you. Ye,
• 5:19
  Speaker 3: that's not bad at all, especially given you said we've
• 5:22
  Speaker 3: been through so much and it was a bit crazy
• 5:25
  Speaker 3: and now you're pretty comfortable again. Pervy questions how old
• 5:28
  Speaker 3: are you and your partner?
• 5:30
  Speaker 4: I'm twenty eight and he's twenty six.
• 5:32
  Speaker 3: Oh so you're like actual babies and you've already got
• 5:34
  Speaker 3: a mortgage and you got everything sorted and you're complete professionals. Okay,
• 5:38
  Speaker 3: all right, I'll stop asking questions. Then, money Diarist, what
• 5:44
  Speaker 3: is your big money goal at the moment?
• 5:47
  Speaker 5: Well, it was to hit my emergency fund and I
• 5:49
  Speaker 5: did that last week, so that's super exciting. So there's
• 5:52
  Speaker 5: two thousand dollars in there now that we're just sitting there.
• 5:55
  Speaker 4: Thank you for.
• 5:56
  Speaker 3: Whenever ready to make you feel comfortable.
• 5:59
  Speaker 5: Amazing even just having that and that was my goal
• 6:02
  Speaker 5: and ticking it off to go, oh like everything just
• 6:05
  Speaker 5: feels lighter.
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  Speaker 4: So that was awesome.
• 6:07
  Speaker 5: That was one of my goals and that was awesome
• 6:09
  Speaker 5: to hear as a few things at the moment. So
• 6:12
  Speaker 5: because we have the mortgage, as I said in the bio,
• 6:15
  Speaker 5: like we've made extra payments towards paying it off quicker,
• 6:18
  Speaker 5: so that was part of our goals. I want to
• 6:20
  Speaker 5: start building up my savings now as well to have
• 6:22
  Speaker 5: that as our next thing.
• 6:26
  Speaker 4: And just making extra contributions to super would be my.
• 6:29
  Speaker 5: Goal as well, just because I feel like that's the
• 6:32
  Speaker 5: next step, that's the next thing to do.
• 6:35
  Speaker 3: Yeah, awesome, I feel like you're on the right track.
• 6:38
  Speaker 3: Like this just feels like such a positive story of
• 6:41
  Speaker 3: we've cut our teeth, ourselves and we're on the right track,
• 6:44
  Speaker 3: and you know, five years from now, we're going to
• 6:46
  Speaker 3: be super successful.
• 6:47
  Speaker 4: I love this, he's hoping.
• 6:50
  Speaker 3: I'm totally on board with that. So tell me about
• 6:53
  Speaker 3: your investments.
• 6:55
  Speaker 5: So if you yes, including Sofa super, but no otherwise.
• 6:59
  Speaker 5: So I really wanted to pay down my car loan debt,
• 7:02
  Speaker 5: which has just gotten to two thousand dollars dollars ohing.
• 7:06
  Speaker 5: So I started that loan at thirty six K three
• 7:11
  Speaker 5: years ago. So I just wanted to smash that out. Whoa.
• 7:15
  Speaker 5: And that's why I haven't really invested yet because I
• 7:16
  Speaker 5: wanted to pay down my debts straight away. And it
• 7:19
  Speaker 5: was funny because the car dealership tried to sell me
• 7:22
  Speaker 5: a five or a seven year loan.
• 7:25
  Speaker 4: Oh it's only a little bit each month.
• 7:27
  Speaker 5: Blah blah blah, and I thought, no, that's more interest.
• 7:31
  Speaker 5: That means I'm paying it off longer. Yes, I went
• 7:33
  Speaker 5: with a three year loan and I'm almost done. So
• 7:36
  Speaker 5: that's another goal that's almost been here and the next
• 7:39
  Speaker 5: year will be out like investing focus.
• 7:42
  Speaker 3: Oh congrats, so you haven't got much left on there.
• 7:45
  Speaker 3: I feel like that was such a savvy decision by you,
• 7:47
  Speaker 3: because you're right. They would have just been making more
• 7:49
  Speaker 3: money in interest and delaying the inevitable of having to
• 7:53
  Speaker 3: pay it back anyway. The next question, obviously you mentioned
• 7:57
  Speaker 3: your car loan, but do you have any other the debts.
• 8:01
  Speaker 5: Yeah, I've got my hex debt which is just which
• 8:04
  Speaker 5: is good debt, so you know he'll classify that as debt,
• 8:06
  Speaker 5: but it's good and just the mortgage.
• 8:08
  Speaker 3: Yes, awesome. And do you do shot back when you're
• 8:13
  Speaker 3: shopping online money dost?
• 8:15
  Speaker 4: Of course I do. Shot back is awesome.
• 8:19
  Speaker 3: I was like, what do you mean You're looking at
• 8:21
  Speaker 3: me like that, like if I asked a silly question
• 8:23
  Speaker 3: and you're like, of course, she's a true she's on
• 8:27
  Speaker 3: the money, Tony.
• 8:28
  Speaker 5: If I can buy something online, I'm always like quickly
• 8:31
  Speaker 5: looking for the shot back, just to see if it's
• 8:33
  Speaker 5: gonna help, because it's amazing the amount that you get
• 8:35
  Speaker 5: back nice in your account, Like it's like a little
• 8:38
  Speaker 5: future win.
• 8:40
  Speaker 3: Literally, And the idea that you can just pull the
• 8:42
  Speaker 3: money out like and have it as real money like that,
• 8:46
  Speaker 3: just to me is an epic win. I feel like
• 8:48
  Speaker 3: I used to be super skeptical of it, but now
• 8:51
  Speaker 3: I've been using it consistently since Tony told me all
• 8:54
  Speaker 3: about how you could do the extension on your Chrome,
• 8:57
  Speaker 3: and I was like, what, Yeah, Tony, I just clicked
• 9:00
  Speaker 3: on it. I have seventy six dollars in my shop
• 9:03
  Speaker 3: back account right now. I think I'm doing pretty well.
• 9:06
  Speaker 4: That's awesome.
• 9:07
  Speaker 5: The extension actually uninstalled for me a couple of weeks ago,
• 9:11
  Speaker 5: and I purchased something and I was like, I.
• 9:14
  Speaker 4: Didn't get the email notification. What happened? So I had
• 9:18
  Speaker 4: to go back and make sure it was very installed.
• 9:21
  Speaker 4: Slight delay, but it's okay, we worked it out.
• 9:24
  Speaker 3: Rude, Well, I'm glad that you went and got that
• 9:27
  Speaker 3: back because that's very important. It is. Next next question
• 9:31
  Speaker 3: I've got for you. Maybe it's shot back. I don't
• 9:33
  Speaker 3: know what's your best money have it.
• 9:36
  Speaker 4: I think there's a few.
• 9:38
  Speaker 5: So with the emergency fund, like the more I was saving,
• 9:40
  Speaker 5: the more I wanted to save, Like seeing that money
• 9:43
  Speaker 5: go up was so it was just like it was.
• 9:45
  Speaker 3: A really good feeling.
• 9:47
  Speaker 5: Yeah, for sure, So I think I'm good when I've
• 9:49
  Speaker 5: got a goal. I kind of see like two versions
• 9:52
  Speaker 5: of myself. I either see myself like really on track,
• 9:55
  Speaker 5: which is like selling things. I don't you know, I
• 9:57
  Speaker 5: no longer need you know, being really conscious about buying
• 10:00
  Speaker 5: coffees and spending out and sticking to a budget and
• 10:03
  Speaker 5: not using enough to pay in all of those things.
• 10:06
  Speaker 4: So when I'm in that mindset, that's awesome.
• 10:08
  Speaker 5: So I'm just like ticking off things I need to
• 10:11
  Speaker 5: do and just making sure that you know, I'm living
• 10:13
  Speaker 5: within my means. And one thing I've always said to
• 10:16
  Speaker 5: my friends was if I'm ever indecisive about something, like
• 10:20
  Speaker 5: I'm not one hundred percent sure about a purchase, that
• 10:22
  Speaker 5: is my decision to say no.
• 10:24
  Speaker 4: Like, if I'm not one hundred percent all in, it's
• 10:26
  Speaker 4: a no. And that has worked so well.
• 10:29
  Speaker 3: Oh my gosh, we're so on the same page.
• 10:32
  Speaker 4: Yeah, totally.
• 10:33
  Speaker 5: It just makes me makes my decisions so much easier.
• 10:36
  Speaker 5: If I'm not all in, it's a no. So that's
• 10:38
  Speaker 5: really helped my good money happen.
• 10:40
  Speaker 3: Oh my gosh. My partner and I say that. Actually,
• 10:42
  Speaker 3: we always say if it's not a hell yes, it's
• 10:44
  Speaker 3: a hell no. And that really helps us make decisions
• 10:48
  Speaker 3: around whether do you want to go out for dinner?
• 10:50
  Speaker 3: I'm like, oh, yeah, maybe no. Is it a hell
• 10:53
  Speaker 3: yes no? Okay, well we're not going? Like I feel
• 10:56
  Speaker 3: like it really helps, like if we're not excited about it,
• 10:59
  Speaker 3: like why are we put money towards it? It doesn't
• 11:01
  Speaker 3: make sense for sure for sure money darist to ask
• 11:05
  Speaker 3: the exact opposite question, what is your worst money habit?
• 11:09
  Speaker 4: Oh, I have a treat yourself mentality which is really
• 11:15
  Speaker 4: hard to kick.
• 11:16
  Speaker 5: So, you know, I can sometimes be quite impulsive in
• 11:19
  Speaker 5: my purchases, like I'll see something pop up my Instagram,
• 11:23
  Speaker 5: but oh, awesome, straight away purchase, they're here, you know,
• 11:27
  Speaker 5: get to live it or whatever. So that's something I'm
• 11:30
  Speaker 5: trying to rain in. And you know, that treat yourself
• 11:33
  Speaker 5: mentality of like oh I deserve it, I've had a
• 11:35
  Speaker 5: big week at work, or I've hit two K my
• 11:38
  Speaker 5: emergency fund or you know whatever it is. That sometimes
• 11:43
  Speaker 5: is my worst enemy because.
• 11:46
  Speaker 4: I just can't run that in. So that's what I'm
• 11:47
  Speaker 4: working on at the moment.
• 11:48
  Speaker 5: But that would be probably my worst money habit is
• 11:51
  Speaker 5: that just the no filter, just go for it, deal
• 11:55
  Speaker 5: with the consequences.
• 11:56
  Speaker 3: Yeah, have you made any naughty decisions? I know you
• 12:00
  Speaker 3: said that you just hit your two thousand dollars goal
• 12:03
  Speaker 3: in your emergency fund, and then you also said when
• 12:05
  Speaker 3: I hit a goal like that, I treat myself. Has
• 12:07
  Speaker 3: there been any cheeky purchases over the last week Money Diarist.
• 12:11
  Speaker 5: Well, no, because we've just come out of lockdown in
• 12:13
  Speaker 5: Melbourne and I want to wait till the shops open
• 12:17
  Speaker 5: because I have ordered things online over the last few weeks.
• 12:20
  Speaker 4: And they still haven't come, which is probably like a
• 12:23
  Speaker 4: bit of calm I coming back. It me like you
• 12:25
  Speaker 4: didn't need those things.
• 12:27
  Speaker 3: But it was meant to be a hell no exactly.
• 12:30
  Speaker 4: So nothing yet, but I'll keep you posted on that one.
• 12:34
  Speaker 3: I feel like I've been holding out. We're also in
• 12:36
  Speaker 3: Melbourne and we haven't got retail back at the point
• 12:40
  Speaker 3: of recording, and I'm definitely holding out for that. It
• 12:43
  Speaker 3: actually feels so strange to think that we're going back
• 12:47
  Speaker 3: to quote COVID normal or whatever that is. But I'm like,
• 12:50
  Speaker 3: i haven't worn real office outfits for like two years.
• 12:54
  Speaker 3: So I'm going through my wardrobe and I'm like, I
• 12:56
  Speaker 3: don't love anything in here, and I mean that's quite dramatic.
• 13:00
  Speaker 3: I have some very beautiful clothes, but I'm like, really
• 13:03
  Speaker 3: just want like a new work dress or a new
• 13:05
  Speaker 3: pair of pants, or just something fresh. So I feel
• 13:07
  Speaker 3: like I'm excited to go back to the office. But
• 13:09
  Speaker 3: I'm also like Victoria, you have an entire wardrobe that
• 13:12
  Speaker 3: hasn't been worn, so you have no excuse to go
• 13:15
  Speaker 3: buy new stuff. So I've been quite naughty as in
• 13:19
  Speaker 3: mindset wise, I haven't bought anything yet. But Tony, you
• 13:23
  Speaker 3: just wait a couple of weeks from now, I'll be
• 13:25
  Speaker 3: on the Friday drinks being like, look how this massive
• 13:28
  Speaker 3: money was. I went to Chadston all right, money diarist.
• 13:34
  Speaker 3: The last question in this little segment is if I
• 13:37
  Speaker 3: forced you to give yourself a money grade, what would
• 13:39
  Speaker 3: you give yourself?
• 13:40
  Speaker 4: I thought about this for the last week.
• 13:43
  Speaker 5: I think, and I think I would say a bee.
• 13:48
  Speaker 4: I think I'd go a bee.
• 13:49
  Speaker 3: A bee? Why would you say a bee?
• 13:51
  Speaker 5: Because I've never seen like, I've never seen myself go
• 13:54
  Speaker 5: with money. I've never seen myself be able to achieve anything.
• 13:57
  Speaker 5: I'll get on a roll, So I feel like a
• 13:59
  Speaker 5: bee is a good spot to be. And I've still
• 14:02
  Speaker 5: got to invest. I've still got to build up some savings.
• 14:04
  Speaker 5: I've still got it rain in that treat yourself mentality.
• 14:07
  Speaker 5: So I'm going to go a bee.
• 14:09
  Speaker 2: All right, I'll agree to be Yeah, but you've also
• 14:13
  Speaker 2: come a long way from you know, like the life
• 14:16
  Speaker 2: that you had when you're growing up too, I think
• 14:18
  Speaker 2: you definitely deserve something a little bit higher so you
• 14:21
  Speaker 2: can show yourself like, wow, I've really taught myself good
• 14:24
  Speaker 2: money habits, but wanting to get better is never a bad.
• 14:27
  Speaker 3: Thing, Absolutely not. And I really want to talk to
• 14:30
  Speaker 3: you about how you grew up and how that impacted you.
• 14:33
  Speaker 3: After this really quick break, All right, money Diarist, let's
• 14:37
  Speaker 3: dive straight back in. At the start of this episode,
• 14:41
  Speaker 3: Tony read out your money diary that you wrote into us,
• 14:44
  Speaker 3: and I found it really inspirational that you've gone through.
• 14:47
  Speaker 3: You know, I don't want to be too dramatic and
• 14:49
  Speaker 3: be like, oh, such adversity, but you know, you clearly
• 14:52
  Speaker 3: have been through a fair bit when it comes to
• 14:54
  Speaker 3: finances that could have significantly impacted the way that you
• 14:58
  Speaker 3: interacted with money as an adult or in your relationships.
• 15:02
  Speaker 3: And I'd be really interested to understand from your point
• 15:05
  Speaker 3: of view, how did that impact you growing up and
• 15:09
  Speaker 3: how does that impact your money story today.
• 15:11
  Speaker 5: I think at the time I didn't really know that
• 15:14
  Speaker 5: was all I knew back then, so I think I
• 15:17
  Speaker 5: didn't know any different and I didn't really realize I
• 15:20
  Speaker 5: think probably one thing that made me realize was, you know,
• 15:24
  Speaker 5: as I said, I went to a private school, but
• 15:26
  Speaker 5: all of my friends had all these different things that
• 15:28
  Speaker 5: I didn't have or and I kind of went.
• 15:31
  Speaker 4: Oh, okay, no, that's that must be normal, you know.
• 15:33
  Speaker 5: And it wasn't until yeah, about eighteen nineteen that I realized, oh,
• 15:37
  Speaker 5: like that was that, or I didn't do that, or
• 15:40
  Speaker 5: I didn't have access to that, or whatever it was.
• 15:43
  Speaker 5: So I think I was just in the mentality that
• 15:45
  Speaker 5: you made money, you spent it on things. You made money,
• 15:48
  Speaker 5: you spent it on things. You know, if something comes up,
• 15:50
  Speaker 5: you'll work it out. That was kind of that was
• 15:52
  Speaker 5: just what I had known my whole life pretty much,
• 15:55
  Speaker 5: so living paycheck to paycheck though, you know, having all,
• 15:59
  Speaker 5: you know, as I said, so many jobs and there's
• 16:01
  Speaker 5: nothing really to show for it up until you know,
• 16:03
  Speaker 5: the last few years. That was a real eye opener,
• 16:05
  Speaker 5: I think, being you know, not having that savings behind you,
• 16:08
  Speaker 5: or having nothing behind you.
• 16:09
  Speaker 4: But that was what my normal was.
• 16:13
  Speaker 5: So I think that probably affected me up until a
• 16:16
  Speaker 5: few years ago where my partner and I were looking at, Okay,
• 16:19
  Speaker 5: we want to buy a place, we want to do this, this,
• 16:21
  Speaker 5: and this and you know, things had to change.
• 16:25
  Speaker 3: And that makes absolute sense. But money Diarist, you mentioned
• 16:29
  Speaker 3: before that you live with your partner, and that's really exciting,
• 16:32
  Speaker 3: but obviously what your mum went through was arguably pretty
• 16:36
  Speaker 3: financially traumatic. How does that make you approach money in
• 16:40
  Speaker 3: a relationship.
• 16:41
  Speaker 4: So at the.
• 16:42
  Speaker 5: Start, it was really interesting because my partner had a
• 16:45
  Speaker 5: very different upbringing to me, and early on, I was
• 16:47
  Speaker 5: very guarded, like I'd never talk about money. I'd always
• 16:50
  Speaker 5: be like, yeah, that's fine, let's do that, even if
• 16:52
  Speaker 5: I couldn't, because I didn't want him to think that,
• 16:55
  Speaker 5: you know, I didn't. I didn't have any backup or
• 16:58
  Speaker 5: you know, couldn't just live and do things. But since
• 17:03
  Speaker 5: we decided we wanted to buy a place and you know,
• 17:05
  Speaker 5: really move our lives forward, I think that we're really
• 17:08
  Speaker 5: open now. So we sit down and we plan our budget,
• 17:11
  Speaker 5: our joint spending, and that has really helped because I
• 17:15
  Speaker 5: feel like we both have the same approach to money,
• 17:18
  Speaker 5: Whereas I've never really had that even with myself, like
• 17:20
  Speaker 5: I've never I've always been really torn, Whereas with him,
• 17:23
  Speaker 5: I feel like we both you know, want the same things,
• 17:26
  Speaker 5: and we both worked toward the same goals. So yeah,
• 17:29
  Speaker 5: it's a pretty good position to be in.
• 17:32
  Speaker 4: Now, I think, wow, I really like that.
• 17:34
  Speaker 3: That's you know, that's your mentality, but also you really
• 17:38
  Speaker 3: know what that means, Whereas I think a lot of
• 17:41
  Speaker 3: people and I mean, I probably got this expectation because
• 17:45
  Speaker 3: you know, you're a money diarist. It's a pretty common
• 17:48
  Speaker 3: theme that nobody writes in and says I want to
• 17:50
  Speaker 3: be a money diarist without having had a bit of
• 17:53
  Speaker 3: experience with the shees on the money community. You might
• 17:55
  Speaker 3: be in the Facebook group, or you might be an
• 17:57
  Speaker 3: avid listener, like you've heard it all, so you're probably
• 18:00
  Speaker 3: a little bit more financially literate that I would say
• 18:04
  Speaker 3: the average Australian. So it kind of makes sense. But
• 18:07
  Speaker 3: so many people don't have any any conception of that.
• 18:12
  Speaker 3: They don't have any thought pattern around that. They move
• 18:14
  Speaker 3: in and they're like, oh my gosh. At some point
• 18:16
  Speaker 3: it hits them and they go, I haven't protected myself
• 18:19
  Speaker 3: in any way, shape or form. I haven't thought about this.
• 18:21
  Speaker 3: You know, I really loved my boyfriend, but now I'm
• 18:24
  Speaker 3: stressed out because I don't want to go through what
• 18:26
  Speaker 3: my parents went through. Are there any fail safes that
• 18:29
  Speaker 3: you're like, Nope, that's a hard no for me. I'll
• 18:31
  Speaker 3: never share XYZ or I'll never let them do this
• 18:35
  Speaker 3: for me, or is that something they're like, you know what,
• 18:37
  Speaker 3: I really haven't had to think about that.
• 18:39
  Speaker 5: I haven't really had to think about that, to be honest.
• 18:42
  Speaker 5: But I think growing up the way I did, and
• 18:45
  Speaker 5: like now being where I am, I don't really have
• 18:48
  Speaker 5: any of that.
• 18:48
  Speaker 4: I feel very like open and free about money.
• 18:51
  Speaker 5: Like as I said, at the start, we never talked
• 18:53
  Speaker 5: about it, and now we talk freely, and I think
• 18:55
  Speaker 5: I've learned to, you know, be able to say, oh,
• 18:58
  Speaker 5: actually that's not going to work this week, or can
• 19:00
  Speaker 5: we wait till next week, or whereas as I said,
• 19:04
  Speaker 5: I'd usually just make it work. So I think having
• 19:07
  Speaker 5: you know, I'm a lot more open with those conversations.
• 19:09
  Speaker 5: And Victoria, I've thrown you under the bus a few
• 19:12
  Speaker 5: times where I've been like I listened to this podcast
• 19:15
  Speaker 5: and Victoria was saying that we should do this, or
• 19:18
  Speaker 5: this is a really good idea, or we should look
• 19:21
  Speaker 5: into this, and he's like, oh, okay, yep, And he's
• 19:23
  Speaker 5: probably like, who who is this woman on a podcast
• 19:25
  Speaker 5: that you're getting there? Your information from this woman.
• 19:28
  Speaker 3: I'm so sick of her. But I tell you guys
• 19:31
  Speaker 3: to do that all the time. And for all your
• 19:34
  Speaker 3: partners to not like me, that's all right as long
• 19:36
  Speaker 3: as you're in a better financial position because of what
• 19:39
  Speaker 3: we're talking about. And if it instigates a conversation, did
• 19:43
  Speaker 3: you find that was an easier way to approach it
• 19:45
  Speaker 3: instead of being like, oh, so this is this thing
• 19:47
  Speaker 3: I want.
• 19:48
  Speaker 4: One hundred percent.
• 19:49
  Speaker 5: It's so much easier and I feel like I'm learning
• 19:51
  Speaker 5: a lot more now, so then I can bring that
• 19:53
  Speaker 5: back to the relationship and.
• 19:54
  Speaker 4: Go, oh, did you know about this? And do we
• 19:57
  Speaker 4: have this?
• 19:57
  Speaker 5: And you know all those questions that pop up that
• 19:59
  Speaker 5: you listening to the podcast and you go, oh, hang on,
• 20:02
  Speaker 5: like that's me or you know, you can relate to thinks.
• 20:05
  Speaker 5: So it's definitely helping in that sense. But I think
• 20:07
  Speaker 5: the open communication has helped a lot in just being
• 20:10
  Speaker 5: comfortable with money.
• 20:11
  Speaker 3: Oh I'm so glad. But it's also note, anybody listening
• 20:16
  Speaker 3: to this throw me straight under a bus, be like
• 20:18
  Speaker 3: Victoria said, this was a not negotiable, Like, honey, what
• 20:21
  Speaker 3: do you think of that? Like, definitely have those conversations though,
• 20:26
  Speaker 3: because the more empowered we are. The more likely we
• 20:29
  Speaker 3: are to be financially free earlier, the more likely we
• 20:33
  Speaker 3: are to put ourselves in positions that we can get
• 20:36
  Speaker 3: out of if we want to get out of a
• 20:37
  Speaker 3: relationship or place, a space, a job, even just like
• 20:41
  Speaker 3: a country you want to fly home early from a holiday, Like,
• 20:44
  Speaker 3: I want you to be in those positions where you
• 20:46
  Speaker 3: don't have to second guess can I afford to make
• 20:49
  Speaker 3: that decision that would put me in a safer, better,
• 20:51
  Speaker 3: nicer position, Like we shouldn't have to second guess ourselves
• 20:54
  Speaker 3: because we're like, oh, that position to put me in,
• 20:57
  Speaker 3: that's safer, I can't afford it, so I'm not going
• 20:59
  Speaker 3: to do it. Like it makes me so upset to
• 21:02
  Speaker 3: think that that's, you know, what guides most people's decision
• 21:05
  Speaker 3: making process. And it makes me so happy to know
• 21:08
  Speaker 3: that you're not in that position and you've grown and
• 21:10
  Speaker 3: learned and you're you know, embracing it and throwing me
• 21:13
  Speaker 3: under a bus. It's really good.
• 21:14
  Speaker 4: Thank you.
• 21:16
  Speaker 3: You're welcome, Money Diarist. Completely pivoting away from that, you
• 21:21
  Speaker 3: can throw me under a bus however you like. But
• 21:24
  Speaker 3: you mentioned something at the very start of your Money
• 21:26
  Speaker 3: Diary that I was like no way, And that was
• 21:30
  Speaker 3: that you've had more than thirty casual different jobs. How
• 21:35
  Speaker 3: when where before you told me you were twenty eight?
• 21:38
  Speaker 3: How have you fit all of this in? And were
• 21:40
  Speaker 3: you doing all of those at the same time? Like
• 21:42
  Speaker 3: what is this?
• 21:43
  Speaker 5: So from fourteen and nine months, I walked myself into
• 21:46
  Speaker 5: Woollies and got a job as a checkout chick.
• 21:49
  Speaker 3: Yes good, which was awesome as a first job.
• 21:52
  Speaker 5: But then I saw another job I liked, and I thought,
• 21:56
  Speaker 5: I'll apply for it and I'll see, and I started
• 21:58
  Speaker 5: to think I can probably make both work anyway.
• 22:01
  Speaker 4: Years and years on, I just kind of have.
• 22:04
  Speaker 5: I just had lots of jobs at once, like I
• 22:06
  Speaker 5: think at once, I had four jobs, and it was
• 22:09
  Speaker 5: really interesting because I was studying to be a primary
• 22:12
  Speaker 5: school teacher. I could work school holiday program over the holidays.
• 22:16
  Speaker 5: I could work in before and after school care, which
• 22:18
  Speaker 5: was only like little bits of time throughout the day,
• 22:21
  Speaker 5: so I had the middle of the day free. I
• 22:22
  Speaker 5: had nights and weekends, so I kind of had the
• 22:25
  Speaker 5: lifestyle where I could make multiple jobs work at once
• 22:28
  Speaker 5: as long as they didn't clash with their times and
• 22:31
  Speaker 5: what they were requiring. Yeah.
• 22:33
  Speaker 4: But yeah, over about thirty.
• 22:35
  Speaker 5: I got actually wrote a list, must have been a
• 22:38
  Speaker 5: few years ago now, and I got to thirty and
• 22:40
  Speaker 5: I went, I'm sure there's more, but I can't remember
• 22:43
  Speaker 5: because some of them were for a month, some of
• 22:45
  Speaker 5: them were for a few years. Like I had a
• 22:47
  Speaker 5: lot of long term jobs as well over that time,
• 22:49
  Speaker 5: so I guess I got used to juggling a lot
• 22:52
  Speaker 5: of things and crazy.
• 22:54
  Speaker 3: Your time management must be second to none. Tell us
• 22:57
  Speaker 3: about the craziest job you've had.
• 23:00
  Speaker 5: I worked at a fish and chip shop in our
• 23:03
  Speaker 5: local area and I went to grab fish like out
• 23:08
  Speaker 5: the back once and I had gloves on, and the
• 23:11
  Speaker 5: arena was like, no, no, no, no, gloves. You don't
• 23:13
  Speaker 5: use gloves. That's too expensive. And I was like what yeah,
• 23:18
  Speaker 5: And I literally walked out that night. I was like,
• 23:21
  Speaker 5: I took my twelve dollars for my shift that I earned,
• 23:24
  Speaker 5: and I never went back.
• 23:26
  Speaker 3: Your twelve bucks, Like that's that's what the cost of
• 23:30
  Speaker 3: a box of gloves costs. So I can see where
• 23:33
  Speaker 3: he's coming from. There. That makes complete sense. Yeah, way
• 23:36
  Speaker 3: too expensive.
• 23:37
  Speaker 5: I loved all of my jobs I've had, Like I've
• 23:39
  Speaker 5: worked in retail, hospitality, I worked in like my best
• 23:43
  Speaker 5: friend's family's restaurant and you know, it feels like a
• 23:45
  Speaker 5: family which was which is probably one of the best
• 23:48
  Speaker 5: jobs I had. But even like all the Christmas casual jobs,
• 23:50
  Speaker 5: like you get to try different places see what you like.
• 23:54
  Speaker 5: So I guess I really liked that element of it
• 23:56
  Speaker 5: as well. And if I could make it work and
• 23:58
  Speaker 5: it meant that I could earn morem, that was a
• 24:01
  Speaker 5: win as well.
• 24:02
  Speaker 3: You were all over it. Oh my gosh, how cool.
• 24:05
  Speaker 3: And I'm sure that that's something that has really shaped
• 24:08
  Speaker 3: you as a person as well. Now as a teacher,
• 24:12
  Speaker 3: I feel like teachers have to be super time conscious
• 24:15
  Speaker 3: and very good at time management because there's so much
• 24:17
  Speaker 3: to go on. Do you think you've learned a lot
• 24:19
  Speaker 3: during that process that has helped you today?
• 24:22
  Speaker 4: Definitely.
• 24:23
  Speaker 5: I think I can manage all of the outside of
• 24:25
  Speaker 5: work activities a lot better just because I've had to manage,
• 24:30
  Speaker 5: you know, multiple jobs at once. So it's nice having
• 24:33
  Speaker 5: one boss that you answer to rather than a few.
• 24:37
  Speaker 5: But yeah, it's definitely helped.
• 24:38
  Speaker 3: Oh my gosh. And if you ever decide to not
• 24:41
  Speaker 3: be a primary school teacher, you can probably be a
• 24:44
  Speaker 3: very adept careers advisor, Like just whatever they're asking you've
• 24:49
  Speaker 3: probably done it. I mean, you arguably couldn't have done
• 24:52
  Speaker 3: brain surgery, but I'm sure you've worked in some kind
• 24:54
  Speaker 3: of medical field at some point at some time. It's
• 24:58
  Speaker 3: always like I do think that that is all we
• 25:00
  Speaker 3: have time for today, though, thank you so much for
• 25:04
  Speaker 3: joining us. Oh my gosh, thank you so Just before
• 25:08
  Speaker 3: we head off, we'd like to acknowledge and pay respect
• 25:11
  Speaker 3: to Australia's Aboriginal and Torres Strait island of peoples. They're
• 25:15
  Speaker 3: the traditional custodians of the lands, the waterways and the
• 25:18
  Speaker 3: skies all across Australia. We thank you for sharing at
• 25:22
  Speaker 3: the caring for the land on which we are able
• 25:24
  Speaker 3: to learn. We pay our respects to elders past and present,
• 25:28
  Speaker 3: and we share our friendship and our kindness.
• 25:30
  Speaker 2: The advice shared on She's on the Money is generally
• 25:33
  Speaker 2: nature and does not consider your individual circumstances. She's on
• 25:37
  Speaker 2: the Money exists purely for educational purposes and should not
• 25:40
  Speaker 2: be relied upon to make an investment or any financial decision.
• 25:44
  Speaker 2: And we promise that Victoria Divine is an authorized representative
• 25:47
  Speaker 2: of Australia Pacific Funds Management for prior to Limited ABM
• 25:51
  Speaker 2: three four one three two four six three two five
• 25:54
  Speaker 2: seven ASL three three nine one five one.
• 25:57
  Speaker 3: See you next week, guys,