Latest / She's On The Money / MONEY DIARIES: She's a Nurse In a Jail With Big Goals!
Transcript
- 0:00Speaker 1: Hello.
- 0:01Speaker 2: My name's Santasha Nabananga Bamblet. I'm a proud Yr the Order,
- 0:05Speaker 2: Kernie Whoalbury and a waddery woman. And before we get
- 0:08Speaker 2: started on She's on the Money podcast, I would like
- 0:11Speaker 2: to acknowledge the traditional custodians of the land of which
- 0:14Speaker 2: this podcast is recorded on a wondery country, acknowledging the elders,
- 0:19Speaker 2: the ancestors and the next generation coming through. As this
- 0:23Speaker 2: podcast is about connecting, empowering, knowledge sharing and the storytelling
- 0:28Speaker 2: of you to make a difference for today and lasting
- 0:31Speaker 2: impact for tomorrow.
- 0:33Speaker 1: Let's get into it.
- 0:34Speaker 3: She's on the Money, She's on the Money.
- 0:57Speaker 1: Hello, and welcome to She's on the Money, the podcast
- 1:01Speaker 1: for millennials who want financial freedom. My name is Victoria
- 1:05Speaker 1: Devine and we are back with another Shopback Money Diary,
- 1:09Speaker 1: which I am so excited for. As always, we are
- 1:13Speaker 1: bringing to the table a very exciting story and this
- 1:17Speaker 1: week our Money Diarist has written in and said I
- 1:20Speaker 1: moved out of home and interstate at seventeen with just
- 1:23Speaker 1: one suitcase. I am now twenty five years old working
- 1:27Speaker 1: as a registered nurse in a jail. It is now
- 1:30Speaker 1: my third year out of UNI and I made ninety
- 1:33Speaker 1: eight thousand dollars this past financial year. I live with
- 1:37Speaker 1: my partner and we have two dogs. This financial year,
- 1:41Speaker 1: we've decided to get on board with the first Home
- 1:44Speaker 1: super Saver scheme and contribute an additional six hundred dollars
- 1:47Speaker 1: each to our super each fortnighte. We have a three
- 1:51Speaker 1: year goal of buying our first home. Money Diarist, What
- 1:55Speaker 1: a story. Oh my gosh, welcome to the show.
- 1:59Speaker 3: Thank you.
- 2:00Speaker 2: Hello.
- 2:02Speaker 1: I am so excited to talk to you. I have
- 2:04Speaker 1: so many questions, from talking about you moving out at
- 2:08Speaker 1: seventeen to how you're going to make use of the
- 2:10Speaker 1: first time Super Savor scheme. Are you ready to do
- 2:12Speaker 1: a money diary?
- 2:13Speaker 3: Yeah, yeah, I'm ready.
- 2:15Speaker 1: Oh my gosh. All right, well let's just jump into
- 2:17Speaker 1: it with the first stock standard question. Can you tell
- 2:21Speaker 1: me a little bit more about your money story?
- 2:23Speaker 2: Yeah?
- 2:24Speaker 3: Okay. So I think the first two money values that
- 2:28Speaker 3: I had were instilled on me when I was a child,
- 2:31Speaker 3: which is, don't spend more than you earn, so if
- 2:35Speaker 3: you can't afford to buy something, just don't buy it.
- 2:38Speaker 3: And then the other thing was differentiate between what you
- 2:41Speaker 3: want and what you need.
- 2:43Speaker 1: Oh I love that.
- 2:45Speaker 3: So growing up. I came from a dual income family.
- 2:49Speaker 3: I did gymnastics, piano lessons, my brother's got to do
- 2:53Speaker 3: tennis lessons, guitar lessons, saxophone lessons. We got to go
- 2:57Speaker 3: on and your family holidays. We went on all the
- 2:59Speaker 3: school camps, all the school excursions. We got to do
- 3:02Speaker 3: all of those things. But my parents always provided everything
- 3:06Speaker 3: that we needed and also that all the extra curriculars.
- 3:10Speaker 3: But if it came to like things that we wanted,
- 3:14Speaker 3: they didn't just go out and splurge on things that
- 3:16Speaker 3: we wanted. Like Mum would never just go out and
- 3:18Speaker 3: take me shopping and be like okay, go and choose
- 3:21Speaker 3: like whatever you want and we'll buy it. It was
- 3:23Speaker 3: always like, if you want something, save it up for
- 3:27Speaker 3: your birthdays or Christmas time, and then if you still
- 3:30Speaker 3: want it at that time, like a month or two
- 3:33Speaker 3: weeks out from that time, let me know and then
- 3:35Speaker 3: you can have that for your birthday or Christmas. So
- 3:38Speaker 3: it was always taught to like wait for the things
- 3:40Speaker 3: that I wanted for special occasions and get them as
- 3:43Speaker 3: presents rather than just like getting everything that I wanted.
- 3:47Speaker 3: So you know, all the needs were provided for, but
- 3:49Speaker 3: the ones were always I was taught to wait and yeah.
- 3:53Speaker 1: Hey, that's a pretty good money value to be taught.
- 3:56Speaker 1: Do you feel like you've upheld those as an adult? Yeah?
- 4:00Speaker 3: Like, I feel like as an adult, I'm actually very indecisive,
- 4:04Speaker 3: and I always have to think about, oh do I
- 4:09Speaker 3: really want this? Like think about all the pros and
- 4:12Speaker 3: cons and way up all the risks. So I think, yeah,
- 4:15Speaker 3: definitely I've brought that up into my adulthood as well.
- 4:19Speaker 1: Oh I love this all right, I want to know
- 4:21Speaker 1: more next. I know you said in your message what
- 4:23Speaker 1: you do and what you earn, but I want to know.
- 4:26Speaker 1: Let's answer the question properly. What do you do for
- 4:28Speaker 1: work and how much money do you earn?
- 4:31Speaker 3: Okay, so I'm a registered nurse. I work in a
- 4:35Speaker 3: metropolitan correctional center. The past financial year, I earned ninety
- 4:39Speaker 3: eight thousand dollars, but that includes overtime and penalty rates
- 4:44Speaker 3: as well, so my base is around seventy five thousand,
- 4:48Speaker 3: but I got to own a bit extra due to
- 4:50Speaker 3: doing overtime and weekends.
- 4:52Speaker 1: What does working in a correctional facility as a nurse
- 4:56Speaker 1: actually entail, because I'm assuming that's quite different to being
- 4:59Speaker 1: a nurse in a maternity ward.
- 5:02Speaker 3: Yeah, it is different. It's kind of like working in
- 5:06Speaker 3: comparatively to like working as a nurse in like a
- 5:09Speaker 3: doctor's clinic. It's called like community style nursing. We work
- 5:14Speaker 3: inside a clinic that's situated inside our section of the jail.
- 5:19Speaker 3: So we deal sort of deal with chronic diseases.
- 5:23Speaker 1: We're in care.
- 5:24Speaker 3: We do like pathology. We do a lot of triarging
- 5:28Speaker 3: where first responders if there's an emergency, we deal with
- 5:31Speaker 3: a lot of self harm, a lot of mental health issues.
- 5:34Speaker 3: That kind of thing.
- 5:35Speaker 1: Wow, and with that, how do I'm just being really pervy, now,
- 5:40Speaker 1: how do the people in the correctional facility reach out
- 5:43Speaker 1: to I guess someone in your position. Do they just
- 5:46Speaker 1: get to come into the clinic whenever they want? Do
- 5:48Speaker 1: they have to book an appointment?
- 5:49Speaker 2: Like?
- 5:49Speaker 1: How does this work?
- 5:50Speaker 3: We have a system it's called a self referral system.
- 5:55Speaker 3: So if it's like a non urgent issue or matter,
- 5:58Speaker 3: like for example, someone's like I've got some rush on
- 6:02Speaker 3: my skin, we have like letterbox at the front of
- 6:04Speaker 3: the clinic and they can write on this professional sort
- 6:08Speaker 3: of referral that we have and pop it in the
- 6:11Speaker 3: letterbox and then every evening we collect the all the
- 6:16Speaker 3: I guess our letters from the letterbox and then we
- 6:18Speaker 3: triarge them onto the appropriate wait list depending on what
- 6:21Speaker 3: they're requesting. But if it's an emergency, they'll usually be
- 6:25Speaker 3: an emergency response called and then we will go out
- 6:28Speaker 3: to the wing. Or if it's like someone collapsed or
- 6:31Speaker 3: someone having chest pains or a self harm, we will
- 6:34Speaker 3: take our emergency bag and go directly to them.
- 6:37Speaker 1: Yeah. Wow, I had no idea it would be a
- 6:39Speaker 1: letterbox system. That's so like, it's just so interesting learning
- 6:43Speaker 1: about how other people's jobs work. I'm going to come
- 6:46Speaker 1: back to that. I want to know next though, money Darist,
- 6:50Speaker 1: what is your big money goal? What are you currently
- 6:53Speaker 1: working towards.
- 6:54Speaker 3: We're currently working towards buying our first.
- 6:56Speaker 1: House, which is very exciting. What's that going to cost?
- 7:00Speaker 1: Twen's that going to happen?
- 7:01Speaker 3: And how well, look, we're hoping three years time. Look,
- 7:06Speaker 3: we kind of are hoping to get something around like
- 7:10Speaker 3: between seven hundred thousand and nine hundred thousand. So yeah,
- 7:16Speaker 3: we're looking to save up about one hundred thousand for
- 7:19Speaker 3: a deposit.
- 7:20Speaker 1: And let's be super pervy. I want to know what's
- 7:23Speaker 1: your partner do how much do they earn? And what
- 7:26Speaker 1: does this goal look like when you're budgeting it out? Like,
- 7:29Speaker 1: is that one hundred dollars a week? You're saving six
- 7:32Speaker 1: hundred dollars a week? What does it look like?
- 7:34Speaker 3: Yeah? Okay, So my partner, he is a carpenter and
- 7:40Speaker 3: he works for a company at the moment and he's
- 7:42Speaker 3: on about seventy five thousand, although next year he is
- 7:48Speaker 3: going out on his own and starting his own business.
- 7:50Speaker 1: Oh fun.
- 7:51Speaker 3: Yeah, both of us contribute six hundred dollars per fortnite
- 7:56Speaker 3: into our super accounts. That's salary sacrificed. So I think
- 8:04Speaker 3: that works out to be around fifteen thousand, six hundred
- 8:08Speaker 3: each per year or something like that.
- 8:11Speaker 1: Does that is perfect maths? And if your times up
- 8:14Speaker 1: by two, that's thirty one thousand, two hundred dollars, which
- 8:18Speaker 1: means that you are very on track to meet your goal.
- 8:21Speaker 2: Yeah.
- 8:21Speaker 3: So yeah, that's our goal.
- 8:23Speaker 1: That's so exciting.
- 8:25Speaker 3: Yeah yeah, hopefully all right.
- 8:28Speaker 1: Next question I've got for you, do you currently have
- 8:30Speaker 1: any investments? If so, what are they?
- 8:32Speaker 3: No, I don't have any investments apart from my super account.
- 8:37Speaker 1: Not a bad place to be, especially if you've got
- 8:39Speaker 1: a big money goal of saving for a house. I
- 8:41Speaker 1: feel like sometimes it can actually be helpful to turbocharge
- 8:44Speaker 1: a goal, achieve that, then you know, get some other
- 8:47Speaker 1: structures in place, and look at investing later. As much
- 8:49Speaker 1: as I talk about it all the time, there's just
- 8:52Speaker 1: not enough money to do absolutely everything all the time. Yeah.
- 8:56Speaker 3: Yeah, No, I've just started reading your investing book, and
- 9:00Speaker 3: I am really interested in starting. I never even really
- 9:03Speaker 3: thought about, like, it didn't even cross my mind about
- 9:05Speaker 3: investing before I joined the Shees on the Money group
- 9:08Speaker 3: or started listening to your podcast last year.
- 9:10Speaker 1: So it makes my heart so happy when people say that,
- 9:12Speaker 1: because I'm like, oh my gosh, you're going to end
- 9:15Speaker 1: up with investments that you might not have had and
- 9:17Speaker 1: be hopefully in a better financial position because you got
- 9:20Speaker 1: to hang out with us. Like how cool is that?
- 9:23Speaker 3: Yeah, that's so exciting. I'm so grateful too.
- 9:28Speaker 1: Oh my gosh. No, let's not stroke my ego. Let's
- 9:30Speaker 1: go back to the questions. I want to know, do
- 9:33Speaker 1: you currently have any debt? If so, what is it?
- 9:36Speaker 3: Yes, I do, So I have a car loan. So
- 9:41Speaker 3: I got that at the start of last year, so
- 9:43Speaker 3: about eighteen months ago. It's a five year loan. So
- 9:48Speaker 3: the loan was forty four thousand plus interest. So the
- 9:52Speaker 3: total debt is around fifty two thousand for five years,
- 9:56Speaker 3: and I have about thirty four thousand, five hundred remaining of.
- 10:00Speaker 1: Can you tell me whether, and I think this is
- 10:02Speaker 1: going to confuse a few people, is there a balloon
- 10:05Speaker 1: on that debt?
- 10:06Speaker 3: No, there's no balloon on that debt.
- 10:08Speaker 1: So when I asked the question for those of you
- 10:10Speaker 1: listening along who might have been like, why are you
- 10:12Speaker 1: talking about balloons when we're talking about debt. A balloon
- 10:16Speaker 1: is where you sign up to a you know, car
- 10:19Speaker 1: loan for example, and our money dirist just said, got
- 10:22Speaker 1: a car loan, had it for about eighteen months. It's
- 10:24Speaker 1: forty four thousand dollar car I'm going to pay off
- 10:26Speaker 1: this fifty two thousand dollars debt, which if you divide
- 10:28Speaker 1: that by the five years that you said you were
- 10:30Speaker 1: going to paid off in that means that you're probably
- 10:32Speaker 1: paying around ten four hundred dollars each and every single year. However,
- 10:37Speaker 1: often loan companies will say, oh my gosh, money Darist,
- 10:41Speaker 1: would you prefer lower repayments and a balloon at the end,
- 10:44Speaker 1: And you're like, oh, yeah, that sounds good. I'd much
- 10:46Speaker 1: prefer to pay five thousand dollars off instead of ten
- 10:50Speaker 1: thousand dollars off a year, which means there's a really
- 10:52Speaker 1: big payout amount at the end of that five years.
- 10:55Speaker 1: So you might have paid off your loan, but you
- 10:58Speaker 1: still have maybe twenty dollars at the end to paid off.
- 11:02Speaker 1: And I always find that to be a relatively sticky
- 11:05Speaker 1: position to be in because you haven't paid off the
- 11:07Speaker 1: asset and you only have a few options. You can
- 11:09Speaker 1: either refinance that debt, which you know, who knows what
- 11:13Speaker 1: your cash flow looks like at that point in time,
- 11:16Speaker 1: or you can trade in your vehicle and get a
- 11:18Speaker 1: new debt, which is what people in the finance industry
- 11:22Speaker 1: want you to do because it means that you are
- 11:24Speaker 1: staying in the debt ecosystem, benefiting them. And you think
- 11:28Speaker 1: that you're in the right position because you never had
- 11:30Speaker 1: to pay off the full debt, when in reality that
- 11:32Speaker 1: doesn't put you ahead. So I'm glad to hear that
- 11:35Speaker 1: you don't have a balloon, because sometimes they can prove
- 11:37Speaker 1: to be a little bit prickly. Yeah, anyway, that is
- 11:41Speaker 1: a side note. Did they offer you a balloon?
- 11:44Speaker 3: No? So I specifically chose a car and chose a
- 11:48Speaker 3: company that didn't have a balloon, because when I went shopping,
- 11:52Speaker 3: I decided that after looking at a few cars and
- 11:56Speaker 3: looking at my options, I decided that I did not
- 11:59Speaker 3: want to have a balloon. I just wanted to have
- 12:01Speaker 3: the full thing paid in five years.
- 12:03Speaker 1: Fair, all right, I do have to be really pervy
- 12:05Speaker 1: now though. You can't tell me that you spent fifty
- 12:07Speaker 1: two thousand dollars on a car and not tell me
- 12:09Speaker 1: what kind of car it is. What did you buy?
- 12:12Speaker 3: I feel like you might be disappointed.
- 12:17Speaker 1: Oh I'm not ever disappointed. I'm just real pervy. I
- 12:19Speaker 1: wouldn't know. I couldn't care less. It's all about your
- 12:23Speaker 1: money values and what you spend your money on, and
- 12:25Speaker 1: it sounds like you've made a decision that's in line
- 12:27Speaker 1: with those values. So ten out of ten, what have
- 12:29Speaker 1: you bought?
- 12:30Speaker 3: So I got a Honda crb Oh?
- 12:33Speaker 1: I thought you were gonna tell me it's like something
- 12:35Speaker 1: really disappointing, Like, oh, Victoria, I spent fifty two thousand
- 12:38Speaker 1: dollars on a Toyota Yaris and I would have been like, babe,
- 12:41Speaker 1: like that's not a good deal.
- 12:44Speaker 3: Yeah. No, I specifically chose this car because I do
- 12:47Speaker 3: want to have it for the next like fifteen years,
- 12:50Speaker 3: and I know that it'll be a good car when
- 12:51Speaker 3: I eventually have kids, and it'll sort of see me
- 12:54Speaker 3: out for the you know, a good chunk of my future.
- 12:58Speaker 1: She's a thinker. We'd love to see it all right.
- 13:00Speaker 1: Next question I have is talk to me. Do you
- 13:03Speaker 1: use shop back? Yes?
- 13:04Speaker 3: I do use shot back, So I think so far
- 13:09Speaker 3: i've made one hundred and forty four dollars.
- 13:12Speaker 1: I love this. What are you buying when you're purchasing
- 13:15Speaker 1: things on shop backs?
- 13:16Speaker 3: So we went overseas back in August. Most of that
- 13:20Speaker 3: comes from booking dot com actually from all our accommodation
- 13:24Speaker 3: and flights and clok and stuff activities.
- 13:28Speaker 1: Yeah, one hundred and forty four bucks is a fancy
- 13:31Speaker 1: dinner out that is definitely worth using it for. Yeah,
- 13:35Speaker 1: ten out of ten. L Right onto other good money habits.
- 13:37Speaker 1: I want to know, what do you think your best
- 13:39Speaker 1: money habit is?
- 13:41Speaker 3: So I've actually got a couple of good ones. So,
- 13:47Speaker 3: because I work in a jail, it is actually quite
- 13:51Speaker 3: a lot of effort to go out and buy lunch
- 13:55Speaker 3: or go out and get lunch because we have to
- 13:57Speaker 3: like we have to sign in, we have to get
- 13:59Speaker 3: our keys out, to get our alarm out, we have
- 14:01Speaker 3: to get our bags checked, get our body scanned. So
- 14:05Speaker 3: a good habit because of that is I always bring
- 14:08Speaker 3: my lunch to work.
- 14:09Speaker 1: Oh I love this, but not the reasons why I
- 14:12Speaker 1: feel like I hate going through airport security. Yeah, and
- 14:15Speaker 1: you've just explained that you have to do that every
- 14:18Speaker 1: day for a week.
- 14:19Speaker 3: Yeah. Yeah, So because of that, I'm saving money on
- 14:22Speaker 3: lunch because I'm always bringing lunch.
- 14:24Speaker 1: Yeah, that is very fair. All right, turning the table around,
- 14:28Speaker 1: I want to know what is your worst money habit,
- 14:30Speaker 1: my friend?
- 14:30Speaker 3: Okay, so it's actually something I used to do but
- 14:34Speaker 3: I am really working on. Before I read your first book,
- 14:40Speaker 3: I just had two bank accounts, which was I just
- 14:44Speaker 3: had my spendings and my savings account, and so each
- 14:46Speaker 3: fortnight I would just put like I don't know, like
- 14:49Speaker 3: six or seven hundred dollars just into my savings account.
- 14:53Speaker 3: But I never really had like a clear goal of
- 14:55Speaker 3: what I wanted to do with that. It was just
- 14:56Speaker 3: sort of sitting there. And so then towards the end
- 14:59Speaker 3: of each four at night, when like something would pop up,
- 15:02Speaker 3: like a friend would say, oh, do you want to
- 15:04Speaker 3: go out for dinner or go for brunch or something.
- 15:07Speaker 3: I'll look at my account and be like, oh, I
- 15:08Speaker 3: don't have much left in my spendings, or just transfer
- 15:11Speaker 3: from my savings. And so I went through like a
- 15:13Speaker 3: vicious cycle of transferring back and forth from spendings to savings.
- 15:18Speaker 1: Super common.
- 15:19Speaker 3: But since reading your first book, I actually have now
- 15:23Speaker 3: set up my bank accounts the way that you suggested,
- 15:28Speaker 3: and it's really working out for me.
- 15:30Speaker 1: Oh. I love to hear that. Obviously I'm a bit biased.
- 15:34Speaker 1: I do think that system works because not only did
- 15:37Speaker 1: I create it, but I use it all the time.
- 15:39Speaker 1: But it's honestly so fun to hear that other people
- 15:42Speaker 1: are using it. How long did it take you to
- 15:44Speaker 1: set all of that up and kind of get into
- 15:46Speaker 1: the swing of it.
- 15:47Speaker 3: Not long, Maybe like a couple of days.
- 15:49Speaker 1: Oh that's so quick. Yeah, and it's going well thus far.
- 15:53Speaker 1: I love to hear it.
- 15:54Speaker 3: Yeah, it's going really well. Yeah.
- 15:56Speaker 1: Oh my gosh. All right, Well, last question before we
- 15:59Speaker 1: go to really quick break, because I have a billion
- 16:02Speaker 1: questions for you. What grade would you give your money habits?
- 16:06Speaker 1: If we forced you to give yourself a grade.
- 16:08Speaker 3: I would say a B.
- 16:09Speaker 1: Why would you say a BEE and what would it
- 16:11Speaker 1: take to get you to an A plus?
- 16:13Speaker 3: I would say a B because I think I have
- 16:17Speaker 3: some good money habits and I think that, like, I
- 16:20Speaker 3: kind of have clear goals and I know what I want,
- 16:23Speaker 3: and I'm kind of good at organizing my money and
- 16:27Speaker 3: my choices. But I think to get it to an A,
- 16:30Speaker 3: I would probably need to start investing and just taking
- 16:34Speaker 3: it to the next level.
- 16:35Speaker 2: Oh.
- 16:36Speaker 1: I feel like that's really achievable though, So it's not
- 16:39Speaker 1: as though you need to overcome heaps of adversity to
- 16:41Speaker 1: get there. I love that, and it sounds like you're
- 16:44Speaker 1: on exactly the right path.
- 16:46Speaker 3: Thank you.
- 16:47Speaker 1: Oh my gosh. All right, let's go to a really
- 16:49Speaker 1: quick break because I want to know a little bit
- 16:51Speaker 1: more about your money story. You mentioned that you moved
- 16:54Speaker 1: out of home and interstate at seventeen with just one suitcase,
- 16:58Speaker 1: So don't go anywhere. We're going to dive into that
- 17:00Speaker 1: right after this quick break. All right, money diarist, I
- 17:07Speaker 1: want to jump back into it asap because I feel
- 17:10Speaker 1: like in our first set of questions we really didn't
- 17:13Speaker 1: cover this at all, but you wrote it as the
- 17:15Speaker 1: first sentence in your message to us. You said, I
- 17:18Speaker 1: moved out of home and interstate at seventeen with just
- 17:22Speaker 1: one suitcase. What happened? Why when we're how give us
- 17:27Speaker 1: some context because it sounds like now you're absolutely flourishing.
- 17:31Speaker 1: But that doesn't sound like a story where you would
- 17:34Speaker 1: expect to be in the position you were in today.
- 17:36Speaker 1: Am I right?
- 17:37Speaker 3: Yeah, that's right. Yeah, Look, it's actually not as gloomy
- 17:43Speaker 3: as like it kind of sounds.
- 17:46Speaker 1: Oh, you just tried to click bait me. I see you,
- 17:48Speaker 1: I see you trying to get on the show, trying
- 17:52Speaker 1: to get on the show by giving me a juicy
- 17:54Speaker 1: story and then tell me it's not so juicy. But
- 17:56Speaker 1: let us know what happened.
- 17:59Speaker 3: Yeah, So I finished high school when I was seventeen,
- 18:02Speaker 3: and then my parents sort of pushed me to move out.
- 18:05Speaker 3: They were like, you know, like it's time for you
- 18:07Speaker 3: to move on. It'd be really great for you to
- 18:09Speaker 3: go to this UNI. It's you know, across the state.
- 18:13Speaker 3: You know, we've kind of already enrolled you.
- 18:17Speaker 1: Oh my gosh, this is not the story I expected.
- 18:19Speaker 3: Yeah, so, yeah, this was like, so I finished high
- 18:23Speaker 3: school in like November, and then by February the following year,
- 18:29Speaker 3: I had moved into state, and I flew because I
- 18:32Speaker 3: was going to be living in Dawns at UNI, So
- 18:35Speaker 3: all I could take was one twenty kilo suitcase. And
- 18:39Speaker 3: that's kind of how I started, Yeah, living in a
- 18:42Speaker 3: different state from my parents, and I have not moved back.
- 18:47Speaker 1: Oh my gosh, that's such a big move. You're now
- 18:50Speaker 1: twenty five. You work in a jail. Did you ever
- 18:55Speaker 1: think that as a nurse, that's where you saw yourself? Like,
- 18:58Speaker 1: I feel like that's quite neat nursing if I'm honest.
- 19:01Speaker 3: Look, I didn't even know it was a thing.
- 19:03Speaker 1: Neither did I until you wrote into me.
- 19:06Speaker 3: Um Still in my final year of nursing, I had
- 19:10Speaker 3: I think it was like my second or third last
- 19:12Speaker 3: place when I had three weeks at a juvenile center,
- 19:16Speaker 3: and I absolutely loved it. I love the team, I
- 19:19Speaker 3: love the staff. I loved the sort of work that
- 19:22Speaker 3: they did. And the manager at the time wrote me
- 19:26Speaker 3: a letter of recommendation for my new grad to apply
- 19:30Speaker 3: with Justice Health. So that's yeah kind of what I did.
- 19:34Speaker 1: Oh my gosh, how exciting. I feel like that's such
- 19:37Speaker 1: a special area to be in as well, because not
- 19:40Speaker 1: only is it confronting and I would argue quite diverse
- 19:43Speaker 1: in the issues that you would see because it's not
- 19:45Speaker 1: just a GP clinic, right You akin to to like, oh,
- 19:49Speaker 1: it's like kind of being a nurse in a GP setting,
- 19:51Speaker 1: but it's not really because you've got emergency and then
- 19:53Speaker 1: you've got mental health on top of that. Like is
- 19:56Speaker 1: this something that you had to get extra training for
- 19:59Speaker 1: or like how many different areas of your nursing degree
- 20:02Speaker 1: are you using at the moment.
- 20:04Speaker 3: Yeah, So what I found is that, like I pretty
- 20:07Speaker 3: much learned most of what I know on the job. Like, yes,
- 20:12Speaker 3: at UNI, I learned like all the theory and that
- 20:15Speaker 3: kind of thing at UNI, But when I started the
- 20:18Speaker 3: job was when I've really learned sort of everything. Yeah.
- 20:22Speaker 3: So I've been given lots of opportunities through my work
- 20:24Speaker 3: as well. So I've become an authorized nurse immunizer, so
- 20:28Speaker 3: I've done the immunization course. I've done pathology so I
- 20:32Speaker 3: can tape gloves, and I've done like CPR assess the
- 20:36Speaker 3: course so I can assess people doing CPR. I've done
- 20:40Speaker 3: like preceptor course so where I can sort of nurture
- 20:44Speaker 3: and be that support person for new stuff coming on.
- 20:48Speaker 3: So I've been given lots of opportunities through my job
- 20:51Speaker 3: at the moment to sort of expand my skills as well.
- 20:55Speaker 1: Yeah. Wow, I feel like that's such a diverse space
- 20:59Speaker 1: to go into because obviously it's kind of like its
- 21:01Speaker 1: own ecosystem in a way. Yeah, it's not necessarily you going,
- 21:06Speaker 1: oh my gosh, this is a particular area of nursing.
- 21:08Speaker 1: I want like you would just get exposed to so much.
- 21:12Speaker 1: In saying that, I feel like that might weigh heavily
- 21:15Speaker 1: on your own mental health. How does that work? How
- 21:18Speaker 1: are you looking after yourself in what I would argue
- 21:21Speaker 1: as a relatively taxing mentally job.
- 21:23Speaker 3: Yeah. So, I think one of the good things about
- 21:26Speaker 3: where I work is that because I have to go
- 21:30Speaker 3: specifically into work, I can sort of differentiate home and
- 21:34Speaker 3: work because I'm actually going to work and work there
- 21:37Speaker 3: and then I'm leaving it there and then coming home.
- 21:40Speaker 1: Yeah.
- 21:40Speaker 3: And the other thing is because it's a jail, we're
- 21:43Speaker 3: not allowed to take our phones in with us, So
- 21:45Speaker 3: while I'm at work, I don't have any access to
- 21:48Speaker 3: the outside world. My phone's left in my car. And
- 21:50Speaker 3: then when I finish work, I go to my car,
- 21:53Speaker 3: and then that's when I sort of switch from you know,
- 21:56Speaker 3: home me to work me.
- 21:58Speaker 1: Yeah. I feel like that's on a so interesting because
- 22:01Speaker 1: it's not something that I've been confronted with before. This
- 22:05Speaker 1: is going to be a left field question, but if
- 22:08Speaker 1: I'm thinking it, I'm assuming a lot of other people
- 22:10Speaker 1: are thinking it as well. Does the idea that you know,
- 22:14Speaker 1: people in jail have potentially done some things that you
- 22:18Speaker 1: might not agree with ever impact your ability to look
- 22:22Speaker 1: after them?
- 22:23Speaker 3: Yeah? Yeah, I mean like sort of we try not
- 22:28Speaker 3: to know exactly what they've done, but of course you
- 22:30Speaker 3: get some high profile people in there, I mean, and
- 22:34Speaker 3: words spreads fast and you kind of find out. Yeah,
- 22:36Speaker 3: of course what they've done. But I just sort of
- 22:39Speaker 3: see it as I'm just there to look after their healthcare,
- 22:43Speaker 3: and you know it, actually it doesn't affect me or
- 22:47Speaker 3: matter what they've done, because at that moment, I'm just
- 22:50Speaker 3: there to look at them as you know, a patient
- 22:53Speaker 3: and how I can help them with their health care.
- 22:57Speaker 1: At that time. Yeah. And I think that that's a
- 23:00Speaker 1: really important delineation to make because I think I would
- 23:03Speaker 1: really struggle in that circumstance to be like, oh, I
- 23:06Speaker 1: need to help you, but I don't really want to
- 23:09Speaker 1: because you don't sound like the kindest human on the
- 23:12Speaker 1: other side of this money diarist, I feel like the
- 23:15Speaker 1: other concern I have, because we're basically best friends now,
- 23:18Speaker 1: is you're going to work every day in a jail.
- 23:20Speaker 1: How are you keeping safe? Like, is this something that
- 23:23Speaker 1: your job is a little bit more risky because of
- 23:26Speaker 1: its location or is there extra security or how does
- 23:29Speaker 1: that work for you?
- 23:30Speaker 3: Yes, So with our job, we will never be just
- 23:33Speaker 3: alone one on one with a patient, So we have
- 23:37Speaker 3: officers around us at all times, so it'll never just
- 23:40Speaker 3: be a nurse and a patient. It will be a nurse,
- 23:42Speaker 3: an officer, and a patient at all times. So whenever
- 23:46Speaker 3: we go, even if we go to an emergency, we
- 23:48Speaker 3: can't get to the patient even if they're you know,
- 23:53Speaker 3: needing CPR on the ground, until an officer is present.
- 23:56Speaker 3: So it's always safety first, right, And we also carry
- 24:00Speaker 3: a juress alarm on us, so that's attached to a
- 24:03Speaker 3: belt on us, and that's a tilt alarm as well,
- 24:05Speaker 3: so if you bend over, that alarm will go off,
- 24:09Speaker 3: so if you're in a sticky situation you can sort
- 24:12Speaker 3: of discreetly use that as well.
- 24:15Speaker 1: Oh my god, what how does that work? So what
- 24:18Speaker 1: happens if you just, you know, bend over to pick
- 24:20Speaker 1: up the pen you dropped. I would do that three
- 24:22Speaker 1: million times a day.
- 24:24Speaker 3: Yeah, so we kind of learn to bend with our
- 24:27Speaker 3: knees when you first start there. It's often set off
- 24:31Speaker 3: a false alarm quite a lot, which is quite annoying
- 24:35Speaker 3: for them. But yeah, it happens quite a lot, and
- 24:37Speaker 3: especially going to the toilet as well.
- 24:39Speaker 1: You know, yeah, so we do.
- 24:41Speaker 3: Like the way I wear mine is I don't have
- 24:44Speaker 3: my belt looped around through my pants. I just have
- 24:47Speaker 3: it sitting on top of my pants and then so
- 24:50Speaker 3: like this sounds weird, but when I go to the toilet,
- 24:52Speaker 3: I just sort of lift up and hold my belt.
- 24:56Speaker 1: Yeah, okay, that makes sense, so it doesn't yell. So
- 24:59Speaker 1: what you're saying is if this tilts, you will literally
- 25:02Speaker 1: have an alarm goal elf that I'm assuming it is
- 25:04Speaker 1: a silent alarm that then says you're in trouble and
- 25:07Speaker 1: need a hand.
- 25:08Speaker 3: That's right, And then you'll have like a team of
- 25:10Speaker 3: officers running to the toilet or running to wherever you
- 25:13Speaker 3: are to see what's going on.
- 25:15Speaker 1: Oh my gosh, one I would be in trouble all
- 25:19Speaker 1: the time. But true. That's kind of intelligent that you
- 25:22Speaker 1: can just set it off by tipping over. Yeah.
- 25:25Speaker 3: Yeah, you can also set it off by pressing the
- 25:28Speaker 3: big red button.
- 25:28Speaker 1: That would help you. But I just have this idea
- 25:31Speaker 1: in my head that if ever you were in a pickle,
- 25:32Speaker 1: you would just play dad and it would work for you. Like,
- 25:35Speaker 1: that's that's great, all right. I'm going to take these
- 25:38Speaker 1: places that it shouldn't go for a money diary, so
- 25:40Speaker 1: I think we might leave it their money diarist. Thank
- 25:43Speaker 1: you so much for your story. Not only have I
- 25:46Speaker 1: learned a lot about the correctional facility that you work in,
- 25:49Speaker 1: I feel like I've learned a lot about you and
- 25:51Speaker 1: your goals and what you're working towards. And I just
- 25:54Speaker 1: feel like this has been a really interesting money diary.
- 25:56Speaker 1: So thank you so much for joining us.
- 25:59Speaker 3: Thanks for having me.
- 26:00Speaker 1: Oh my gosh. Well, unfortunately, guys, that is all we
- 26:03Speaker 1: have time for today. We will see you guys on Wednesday.
- 26:12Speaker 1: The advice shared on She's on the Money is general
- 26:14Speaker 1: in nature and does not consider your individual circumstances. She's
- 26:18Speaker 1: on the Money exists purely for educational purposes and should
- 26:22Speaker 1: not be relied upon to make an investment or financial decision.
- 26:25Speaker 1: If you do choose to buy a financial product, read
- 26:28Speaker 1: the PDS TMD and obtain appropriate financial advice tailored towards
- 26:32Speaker 1: your needs. Victoria Divine and She's on the Money are
- 26:35Speaker 1: authorized representatives of Money. Sheper Pty Ltd ABN three two
- 26:40Speaker 1: one six four nine two seven seven zero eight AFSL
- 26:44Speaker 1: four five one two eight nine