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MONEY DIARIES: Hustlin' Mums · She's On The Money

0:00
Speaker 1: She's on the Money.
0:02
Speaker 2: She's on the Money.
0:13
Speaker 3: Hello, and welcome to She's on the Money, the podcast
0:17
Speaker 3: for millennials who want financial freedom. Welcome back to another
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Speaker 3: one of our Money Diary episodes, where this week we
0:25
Speaker 3: speak to an epic money diarist who has three kids,
0:29
Speaker 3: having started having children at the age of seventeen and
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Speaker 3: she's only twenty six now. She is beyond impressive. She
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Speaker 3: has her own small business. But one of the most
0:38
Speaker 3: exciting things about this Money Diary is not actually the
0:41
Speaker 3: Money Diary, is it Tony Lodge. Recently we've had Tony
0:45
Speaker 3: Lodge join the team, and in joining the team as
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Speaker 3: our executive producer, she's one going to be putting our
0:52
Speaker 3: podcast together, but me too. She's going to be joining
0:55
Speaker 3: us every Monday moving forward to help bring to life
0:58
Speaker 3: our money Diaries.
1:00
Speaker 2: Hey, thank you for having me.
1:01
Speaker 1: It's so exciting.
1:02
Speaker 3: I am genuinely so excited about this because you are
1:05
Speaker 3: a vision. You are a glowy human that everybody loves.
1:08
Speaker 3: And she's also really funny, guys, like really really funny.
1:11
Speaker 1: I mean, hease, don't put pressure on no, but like
1:13
Speaker 1: not on TikTok. She's not funny on TikTok.
1:15
Speaker 2: Funny on TikTok.
1:16
Speaker 3: She tries, but she's not funny on TikTok. But that
1:18
Speaker 3: is okay, and you know what she is. She's also
1:20
Speaker 3: incredibly intelligent, so we are so grateful to have her
1:23
Speaker 3: join the team.
1:25
Speaker 1: But this is Money.
1:26
Speaker 3: Diaries episode, so let's stop stroking your ego and get
1:29
Speaker 3: into it.
1:30
Speaker 1: Tony.
1:30
Speaker 3: We got sent an email this week. Do you want
1:32
Speaker 3: to read it out?
1:33
Speaker 1: Okay?
1:34
Speaker 2: Hi, she's on the Money Team.
1:36
Speaker 4: I'm twenty six years old, married and a mum of
1:39
Speaker 4: three boys. I met my now husband at fourteen years old,
1:43
Speaker 4: oh Cue, and ended up falling pregnant and giving birth
1:46
Speaker 4: at seventeen years old. We never had savings and used
1:49
Speaker 4: every last cent of our income each week. Three years later,
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Speaker 4: I had my second child, and that's when I started
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Speaker 4: my own business, something I could do from home around
1:57
Speaker 4: my kids' schedules, and made that my full time employer.
2:00
Speaker 2: Within a few weeks.
2:01
Speaker 1: How good.
2:02
Speaker 4: I went on to have my third child and continue
2:04
Speaker 4: to grow my small business, but desperately wanted to buy
2:07
Speaker 4: a home, no matter how long it took. Now we
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Speaker 4: have an over the top an incredibly detailed budget which
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Speaker 4: we love to hear. Money Divided into thirteen bank accounts
2:15
Speaker 4: your tea, including an emergency account, something I never thought
2:19
Speaker 4: I could achieve, and are well on our way to
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Speaker 4: our savings goal to build our first home later this year.
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Speaker 4: Crazy to think three years ago we would end our
2:26
Speaker 4: pay weeks with zero dollars to our name, and now
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Speaker 4: we have numerous accounts with savings for everything under the sun.
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Speaker 1: Oh my gosh, how good is that? Amazing? Have you
2:36
Speaker 1: finished the email? Can we chat to her now? Now?
2:38
Speaker 2: Let's chat.
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Speaker 3: Obviously we can't use your name, and I can't think
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Speaker 3: of a good hustler name yet, but I'm so impressed
2:44
Speaker 3: with your money, Darian.
2:45
Speaker 1: Welcome to the She's on the Money Diaries.
2:48
Speaker 5: Thank you for having me.
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Speaker 1: Oh my gosh, I'm so proud of you and I
2:51
Speaker 1: don't even know you. How good is that? All right?
2:55
Speaker 3: So the way this is going to work, let's jump
2:58
Speaker 3: straight into all those questions that we've got and then.
3:00
Speaker 1: We can have a chat about all of it straight after.
3:03
Speaker 1: Is that alright with you?
3:04
Speaker 5: Yes? That sounds great?
3:05
Speaker 1: All right?
3:06
Speaker 3: As always, the first question is what is your attitude
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Speaker 3: towards money?
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Speaker 5: So I'm very con sit in with I want to
3:14
Speaker 5: make sure every loss sent counts in our budget. I
3:17
Speaker 5: don't like wasting anything, but it definitely has not always
3:20
Speaker 5: been that way. For so long, we just like deliver
3:23
Speaker 5: each week, and we did not have any sort of
3:26
Speaker 5: goal or idea what we wanted to do with our money.
3:29
Speaker 5: You just floated through on our bills are paid. We
3:32
Speaker 5: were happy, but definitely very different. Now.
3:35
Speaker 3: How good is that? I love when people know what
3:38
Speaker 3: their journey has been like.
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Speaker 2: So satisfying looking back as well.
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Speaker 3: Totally all right, And what do you do for work now?
3:45
Speaker 3: And how much do you currently earn?
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Speaker 5: So? I own a cleaning service, cleaning baby equipment. I
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Speaker 5: earn about on track about thirty thousand this year.
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Speaker 3: Oh, how good is that? And it's all just like
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Speaker 3: on your terms.
4:00
Speaker 5: So I just work from home. Sometimes I can work
4:02
Speaker 5: an hour a day or seven or several hours a
4:04
Speaker 5: day and get more work if I need to. So
4:06
Speaker 5: it works really well for me around my kids.
4:08
Speaker 1: All right, all right, onto the questions.
4:09
Speaker 3: I've got so many questions, but onto the actual scheduled questions.
4:13
Speaker 3: What is currently your big money goal?
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Speaker 5: Definitely to start building a home later this year. Hopefully
4:20
Speaker 5: we can get to that goal. We're on track right now.
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Speaker 1: Exciting do you currently invest.
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Speaker 5: I do, but not the typical way everyone applies to
4:30
Speaker 5: this question. So I was possing up between micro investing
4:35
Speaker 5: or other investing, and I kind of had a lightful
4:39
Speaker 5: moments that the whole reason I want to invest was
4:42
Speaker 5: to set myself up in retirement. So being self employed
4:45
Speaker 5: and only my sense and I put my money into
4:47
Speaker 5: my super. I said to invest genius.
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Speaker 2: You've got a plan, girls, a plan.
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Speaker 1: Love that.
4:52
Speaker 3: And you know what, so many small business owners just
4:55
Speaker 3: forget to pay themselves super and they just don't consider it.
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Speaker 3: They're like, oh, I will when I can afford it,
5:00
Speaker 3: and it's like, Oh, you're going to need to do
5:02
Speaker 3: it now because otherwise it's going to be so much
5:04
Speaker 3: more expensive to think.
5:05
Speaker 1: About it later.
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Speaker 2: One hundred percent.
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Speaker 1: Yeah, so smart. I love that.
5:10
Speaker 3: So do you currently have any debts?
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Speaker 5: Zero debt. We're paid off everything we have ever had.
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Speaker 1: Really, Oh my gosh.
5:16
Speaker 3: And you're on track to buying your first property, started
5:19
Speaker 3: having babies in your teenage years and you're killing it.
5:22
Speaker 1: Oh I love this.
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Speaker 3: Hold on, Hold on all right, next question, what is
5:25
Speaker 3: your best money habit?
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Speaker 5: I'm very cruel. I like to make sure I get
5:30
Speaker 5: the best price for anything we purchase, that's seeing food
5:34
Speaker 5: or clothes or furniture, I will find the best price
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Speaker 5: that is guarantee it.
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Speaker 1: That is good. Have you got any tips for us?
5:41
Speaker 3: How do we implement finding the best price guarantee Just.
5:45
Speaker 5: Take your time, don't buy very fast, makes you do
5:48
Speaker 5: lots and lots of research because you're guaranteeing and buy
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Speaker 5: something better at a bitter price.
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Speaker 1: I love that.
5:53
Speaker 3: And in contrast, what's your worst money habit?
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Speaker 5: Ah? Probably take out just far too easy to drive
6:01
Speaker 5: down a macas for dinner when you've had a long
6:03
Speaker 5: day's work and you've got three hendry kIPS in the car.
6:06
Speaker 5: So I definitely need to break that habit.
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Speaker 3: I feel like when I become a parent, that will
6:10
Speaker 3: absolutely be me.
6:12
Speaker 2: I think there's a lot of people that would relate
6:13
Speaker 2: to that. Yeah, yeah, it's or not. Yeah.
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Speaker 3: I feel like there's so many people that always like,
6:17
Speaker 3: oh my gosh, yeah, when I have kids, I'm never
6:19
Speaker 3: going to feed them non organic anything and they're only
6:22
Speaker 3: ever going.
6:22
Speaker 1: To drink water. And I already know that's not going
6:25
Speaker 1: to be me. Like I already know have to be realistic.
6:28
Speaker 1: Macis chips off, the kids can have them all the time.
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Speaker 5: I'm already not worth the fight. At night time. You
6:35
Speaker 5: just have to give a macis instead of veggies exactly five.
6:40
Speaker 3: Yeah, No, I'm totally for that because I know what
6:42
Speaker 3: I'm like when I'm hungry, so therefore I know what
6:45
Speaker 3: future children are going to be like, and I guarantee
6:48
Speaker 3: you it'll be ten times worse than me. So give
6:50
Speaker 3: them the macas chips. And they probably won't get the
6:53
Speaker 3: diet Cocai order because it won't allow.
6:54
Speaker 4: That I don't know, water obviously, unless it's a Friday,
6:58
Speaker 4: they get a fantas.
6:59
Speaker 1: Yeah, they can have had on Friday, all right.
7:02
Speaker 3: And if I asked you to give yourself a grade,
7:05
Speaker 3: what would you grade your money habits?
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Speaker 5: Probably ab because I definitely have room to improve. But
7:13
Speaker 5: I've definitely improved from where we were only.
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Speaker 1: A b.
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Speaker 5: I just feel like I had so much more to learn,
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Speaker 5: especially when we do eventually buy a home. There's only
7:22
Speaker 5: a whole new ballpark of bills. I don't even know
7:26
Speaker 5: anything about.
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Speaker 2: Oh you're such a grown up.
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Speaker 1: I love you. I love you. Oh my gosh.
7:31
Speaker 3: All right, we have so many more questions for you,
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Speaker 3: and we'll just to a quick break and then I'm
7:35
Speaker 3: going to dive straight into them. All right, we are back,
7:42
Speaker 3: and I am so excited to ask you some questions.
7:45
Speaker 3: I hope it's not too pervy. But you mentioned before
7:48
Speaker 3: you had your first child at seventeen, got into a
7:51
Speaker 3: relationship at fourteen. How old are you now with three children.
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Speaker 5: I'm twenty six right now.
7:57
Speaker 3: And so you've now got three kids and one of
7:59
Speaker 3: them ages because I'm really bad at that quick match.
8:03
Speaker 5: So they are nine or almost nine, almost six, and
8:07
Speaker 5: almost three.
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Speaker 1: Wow, oh my gosh.
8:09
Speaker 3: And how does that make you feel when it comes
8:11
Speaker 3: to money, because obviously having a kid at seventeen, I
8:14
Speaker 3: really doubt is a lot of people's plans. It's kind
8:17
Speaker 3: of just something that you go, all right, well this
8:19
Speaker 3: is happening, We're going to deal with it. But how
8:21
Speaker 3: has that impacted your money story?
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Speaker 5: So it's definitely made it more difficult or you didn't
8:29
Speaker 5: move out. It's hard for anyone financially to move out,
8:31
Speaker 5: but then have to throw on the extenses of kids
8:35
Speaker 5: and have to make sure responsible right from the starts
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Speaker 5: you don't fall behind. It's hard and that sense, but
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Speaker 5: it also gives you kick up the bombs to do
8:44
Speaker 5: the right things. From the start, So I didn't like,
8:47
Speaker 5: we know, fell into a big set or anything in
8:49
Speaker 5: those first years, which you know a lot of people do,
8:51
Speaker 5: so that kind of helps.
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Speaker 2: I guess, yeah.
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Speaker 1: Absolutely.
8:55
Speaker 4: We talk a bit about how FOMO affects our finances
8:58
Speaker 4: and our financial story on She's on the Money. Do
9:01
Speaker 4: you feel like, because you were younger and having kids,
9:04
Speaker 4: like your friends would have been going out and partying
9:06
Speaker 4: and like spending a summer in Europe and things like,
9:08
Speaker 4: did you feel like you had to service your family
9:12
Speaker 4: but then also meet the standards of what your friends
9:15
Speaker 4: were up to while you were young as well.
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Speaker 2: Do you feel like that affected you.
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Speaker 5: When I was younger, No, actually, because my husband and
9:23
Speaker 5: I are quite quiet people. We don't party or anything.
9:26
Speaker 5: But as you got older, we saw all our friends
9:29
Speaker 5: at cheer, buying homes, just having these grand weddings. But
9:33
Speaker 5: that's something that was never would never we'd be good
9:35
Speaker 5: at tea as much as you as like to. So
9:38
Speaker 5: I guess it's no when you were younger, but definitely
9:40
Speaker 5: has you get older and realize you're falling behind where
9:43
Speaker 5: everyone else is sitting in their life.
9:45
Speaker 3: See, I feel like you've got it right, Like I
9:49
Speaker 3: feel like maybe this is a very backwards opinion, but
9:52
Speaker 3: when I'm because I'm turning thirty in the next couple
9:55
Speaker 3: of months and I don't have kids on them, probably
9:57
Speaker 3: a couple of years off kids, Yet I feel like,
9:59
Speaker 3: when I have kids, you're going to have already gone
10:02
Speaker 3: through that. So you're going to be like laughing at
10:04
Speaker 3: me being older not having as much energy for these children.
10:07
Speaker 3: You're like, mate, I'm done with that.
10:09
Speaker 2: I have sleeper, it's already gone, get all gone.
10:12
Speaker 3: So you can actually live your best life in the
10:14
Speaker 3: period of time where you can generate great income and
10:17
Speaker 3: like have a work life balance that works, instead of
10:19
Speaker 3: also trying to make it in a career while having
10:22
Speaker 3: a toddler that needs.
10:22
Speaker 1: To be dropped off at daycare.
10:24
Speaker 3: Like, your kids are going to be pretty self sufficient
10:26
Speaker 3: at that point, So I feel like you might feel
10:28
Speaker 3: a little bit behind, But I guarantee everything's going to
10:31
Speaker 3: come to a griddening holt for a lot of those friends,
10:34
Speaker 3: and you'll end up being the ones that are like, yeah,
10:36
Speaker 3: see cool, we're just popping off for the weekend. We're
10:39
Speaker 3: having a great time, have fun picking up your four
10:42
Speaker 3: year old from.
10:42
Speaker 1: Daycare at forty Victoria. Yeah, that's what's going to happen.
10:45
Speaker 5: I definitely, I definitely talk a husband a lot of that,
10:48
Speaker 5: all the things, all places we're going to go to
10:50
Speaker 5: when the kids are grown up, all the travel we're
10:51
Speaker 5: going to do. You feel all more financially stable when
10:54
Speaker 5: we go travel. Don't have to get credit cards to
10:56
Speaker 5: travel or anything like that.
10:58
Speaker 3: Oh my gosh, that is so true, though, Like I
11:00
Speaker 3: hate that you said you felt behind. I was like, no,
11:02
Speaker 3: I feel like, yeah, exactly on track. Like you sound
11:05
Speaker 3: like a really level headed person. How do you talk
11:08
Speaker 3: to your kids about money?
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Speaker 5: So we're quite open, so they know our budget. We
11:15
Speaker 5: talk with them when I'm working it out. They sit
11:17
Speaker 5: with me and they look at it. They obviously don't understand,
11:20
Speaker 5: but they are understanding that we need a budget so
11:23
Speaker 5: we can pay our bills. And they're watching us grow
11:26
Speaker 5: our savings to buy a home, and they're italy waiting
11:29
Speaker 5: for us to get to that goal just as much
11:30
Speaker 5: as we are.
11:32
Speaker 3: And when they get older, it's like having a fan
11:35
Speaker 3: club of people who are cheering you on to my
11:37
Speaker 3: first home. I feel like we'd all achieve a goal
11:40
Speaker 3: much quicker if we all had a little fan club.
11:43
Speaker 5: Yeah, I have like a visual thing on our whiteboard
11:46
Speaker 5: of where we're got like half away. Jeeves and the
11:50
Speaker 5: boys like, definitely make sure we don't fall behind or
11:53
Speaker 5: skip a week of savings because they can see that.
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Speaker 2: So you want, so sweet?
11:58
Speaker 1: I love that?
12:00
Speaker 3: And to b Pervy again, what does your partner do?
12:03
Speaker 3: And how much does your partner earn?
12:05
Speaker 5: So he works in customer service and he earns about
12:08
Speaker 5: fifty five thousand dollars a year.
12:10
Speaker 3: That's pretty good. That's pretty good. And is he the
12:13
Speaker 3: same age as you? You met at fourteen?
12:14
Speaker 2: Yet?
12:15
Speaker 5: Yes, yes, he is the same age as me.
12:17
Speaker 1: That is so sweet.
12:18
Speaker 2: Are you guys are killing it?
12:19
Speaker 3: I know.
12:19
Speaker 1: I love love stories as well.
12:21
Speaker 3: I love when people are like, oh, yeah, we met
12:22
Speaker 3: at school and now three kids, Like it's so sweet.
12:26
Speaker 3: So how do between you you guys meet your joint
12:30
Speaker 3: money goals?
12:30
Speaker 1: Like?
12:30
Speaker 3: Have you always been on the same page about money goals?
12:33
Speaker 3: Obviously you said that a home is something that you're
12:35
Speaker 3: working towards. Do you have the same money values or
12:38
Speaker 3: is that something that you come up against or you know,
12:40
Speaker 3: talk to me about that.
12:43
Speaker 5: My husband and I are definitely on the same track.
12:45
Speaker 5: How the same goals of mine? So I sit down
12:48
Speaker 5: and write the budget, and my husband's definitely with me,
12:51
Speaker 5: agrees that the goals we want to achieve, and agrees
12:53
Speaker 5: with them that we put into each account and we
12:56
Speaker 5: have its joint account, so or am I just grossed
12:59
Speaker 5: to one and just automative transferred to each account? So
13:03
Speaker 5: we're all pretty happy and find it very easy to handle.
13:07
Speaker 2: I guess so you said.
13:08
Speaker 4: That you've got thirteen bank accounts, Like how do you
13:11
Speaker 4: prioritize what goes where? And is that kind of how
13:15
Speaker 4: you manage exactly what's where, or like what's your thinking
13:19
Speaker 4: behind that?
13:20
Speaker 5: So we have a very detailed budget. We actually download
13:23
Speaker 5: one from money smart and it is amazing to get
13:27
Speaker 5: all the details I need, and we supposit all our
13:31
Speaker 5: income into one joint account. From there, we have automatic
13:35
Speaker 5: transfers into thirteen different accounts for all the different bills.
13:39
Speaker 5: So we have accounts for savings and blurred and growthries
13:45
Speaker 5: and school and daycare and utilities and kidsidentals and you
13:48
Speaker 5: name it, we have an account for it. So then
13:51
Speaker 5: we know, like when money comes out of the account,
13:53
Speaker 5: we're not going to take money from another account. It's
13:55
Speaker 5: all evenly spread out.
13:57
Speaker 3: Yeah, that's so good, And do you feel like that
13:59
Speaker 3: actually just keeps you more on track, because there's not
14:02
Speaker 3: just one big pot of money that you can be
14:04
Speaker 3: tempted to dip into.
14:06
Speaker 5: Yes, yes, absolutely. Previously we had a bank account where
14:10
Speaker 5: all our money would go into one bill's account. We
14:13
Speaker 5: we'd call it. But it's so easy to actent spend
14:16
Speaker 5: more on like a celebration than we expected, like a
14:20
Speaker 5: kid's birthday, and then that takes from our regro for instance,
14:24
Speaker 5: and then we'll get to the day regro is to
14:26
Speaker 5: you and you're like, oh my god, there's not enough
14:28
Speaker 5: money in here. Now.
14:29
Speaker 3: Oh, that's so stressful, especially with three kids, that's a
14:33
Speaker 3: lot to deal with.
14:35
Speaker 1: How do kids? I obviously don't have children.
14:38
Speaker 3: We've recently done an episode on having children and the
14:42
Speaker 3: costs associated with giving birth, not actually bringing up children. Yeah,
14:46
Speaker 3: but like what does that look like on a weekly
14:48
Speaker 3: or monthly basis? Like what are kids on average? I
14:51
Speaker 3: guess cost especially three of them.
14:54
Speaker 5: Oh, they're expensive.
14:56
Speaker 1: I can't imagine.
14:57
Speaker 2: Yeah, that's a lot of tiny teddies.
14:59
Speaker 5: Yeah. I think the biggest expense is daycare because our kids,
15:05
Speaker 5: so our water kids for a public school, and just
15:08
Speaker 5: the amounts on daycare for the month is enough to
15:11
Speaker 5: cover their tie expenses for the public school for the.
15:13
Speaker 3: Year much daycare per month, so.
15:20
Speaker 5: Each days one hundred and fifteen dollars and they go
15:23
Speaker 5: three days a.
15:23
Speaker 3: Week one hundred and fifteen dollars a day to go
15:26
Speaker 3: to daycare.
15:27
Speaker 5: And we're not even like get a capital city or
15:29
Speaker 5: anything like that, which is even more expensive.
15:32
Speaker 1: Oh my gosh.
15:32
Speaker 3: I always end up really shocked about the cost of daycare,
15:36
Speaker 3: which at the same time is going, you know what,
15:38
Speaker 3: that's ridiculous, Like, that's so much money. You can also
15:41
Speaker 3: see on the flip side, you're like, you know what,
15:42
Speaker 3: it's my child and they're being looked after. But the
15:45
Speaker 3: amount of daycare workers do not get paid is not
15:48
Speaker 3: reflective of the amount of money that parents are paying
15:51
Speaker 3: for them to go to daycare. And you what else
15:54
Speaker 3: baffles me about this is that is a cost.
15:57
Speaker 1: This is all personal opinions, so please don't take it
15:59
Speaker 1: this advice, my friends. What it costs for a child to.
16:02
Speaker 3: Go to daycare to me, in my opinion, is directly
16:06
Speaker 3: related to your ability to produce an income as a parent.
16:10
Speaker 3: So given it is a work related cost, why is
16:13
Speaker 3: it not tax deductible? Ooh, interesting? Imagine if you could
16:18
Speaker 3: claim daycare on tax how much easier life would be. Like,
16:22
Speaker 3: I'm not even asking for daycare to be brought down,
16:24
Speaker 3: just let me claim it on tax.
16:26
Speaker 4: I think as well, because being able to send your
16:29
Speaker 4: kids to daycare and correct me if I'm wrong gives
16:33
Speaker 4: you a sense of independence and your own identity to
16:35
Speaker 4: be able to work or whether that's time that you
16:38
Speaker 4: spend being able to go to the gym or do
16:41
Speaker 4: your own stuff, whatever, it is like all that life
16:44
Speaker 4: admin that kind of pops up that you've got to do,
16:46
Speaker 4: and you need that spare time just to be your
16:48
Speaker 4: own person. It would be really like liberating to be
16:52
Speaker 4: able to do your own thing. But I mean absolutely
16:54
Speaker 4: it's very expensive to be able to do it.
16:57
Speaker 3: But one hundred and fifteen dollars a day, that's like
16:59
Speaker 3: more than three hundred dollars a week. That's what some
17:02
Speaker 3: people are making in a week, which makes it completely
17:05
Speaker 3: unequitable to be sending kids to daycare. Sometimes, no wonder
17:09
Speaker 3: women are put in a position where they have to
17:11
Speaker 3: choose between well do I just stay home.
17:13
Speaker 2: Because then I don't have to outlay that exact money.
17:16
Speaker 3: Once you have three kids under four and none of
17:18
Speaker 3: them are at school. Yeah, that would be so expensive
17:22
Speaker 3: and it feels so harsh to be having to make
17:26
Speaker 3: decisions like that.
17:27
Speaker 1: Yeah, I respect you.
17:30
Speaker 2: Yeah, No, that's no easy feat for sure.
17:32
Speaker 5: It was definitely it's sending me proper for a long
17:35
Speaker 5: time because of how expensive it is. But last year
17:38
Speaker 5: during COVID, they made free childcare, so that definitely got
17:42
Speaker 5: us to put our youngest into daycare because I relish that,
17:45
Speaker 5: and then I realized how much I needed that because
17:49
Speaker 5: I was so much more productive at work having our
17:51
Speaker 5: children home. Yeah, abso lately couldn't call them out after that.
17:56
Speaker 4: I know that you mentioned a little bit about like
17:58
Speaker 4: what your business is before, but could you talk a
18:00
Speaker 4: bit more about what your small business is and how.
18:03
Speaker 1: Many start that. There's a mom of three, Yeah, that's huge.
18:08
Speaker 5: So I own a business cleaning all things baby equipment.
18:12
Speaker 5: It's a nice, easy job to do from home. I
18:16
Speaker 5: started it. I previously work in a pharmacy and then
18:19
Speaker 5: I was having a really hard time working there. I
18:22
Speaker 5: had much about anxiety to think about even going to work.
18:25
Speaker 5: And then my eldest son got really sick and was
18:29
Speaker 5: in hospital and I had to call in, say calling
18:32
Speaker 5: sick and I was to come in for a couple
18:33
Speaker 5: of weeks, and the moment I hung up, I just
18:36
Speaker 5: was such a relief from my constant anxiety that I
18:39
Speaker 5: knew that was it. I had to find Yes. I
18:42
Speaker 5: wrote my resonation email within thirty minutes.
18:46
Speaker 3: Oh my gosh, you were like, actually, you know how
18:49
Speaker 3: I said a couple of weeks I kind of meant, ever, yeah, I'm.
18:52
Speaker 2: Not coming back.
18:54
Speaker 5: Yeah. So that was kind of push up the brew
18:56
Speaker 5: up the bum to get a small business going, and
19:00
Speaker 5: I had been thinking out the stages, so I just thought,
19:03
Speaker 5: what the hell, I'll do it now, and it ended
19:06
Speaker 5: up working out really well because there's no one in
19:07
Speaker 5: our area that services me.
19:09
Speaker 3: But that would be booming, right because surely like stuff
19:12
Speaker 3: like prams and high chairs get absolutely filthy.
19:15
Speaker 5: Yeah, yes, absolutely, and there's so many of them all
19:18
Speaker 5: around Australia now ever since I found my business, so
19:21
Speaker 5: it's definitely something that is very needed everywhere.
19:25
Speaker 1: Absolutely, what a good idea. Yeah, that's so niche.
19:30
Speaker 3: But also I love that she can just do it
19:31
Speaker 3: from home. You don't even have to go to other
19:33
Speaker 3: people's places to do it.
19:34
Speaker 2: Yeah, and also you could do it at your own pace.
19:36
Speaker 4: As long as people had things when they needed it,
19:38
Speaker 4: you could kind of sit at home and go like, oh,
19:40
Speaker 4: I don't have time for that right now, I'll do
19:41
Speaker 4: it in a second, you know, no deadline of Yeah amazing,
19:45
Speaker 4: I love that.
19:46
Speaker 1: I could do that.
19:46
Speaker 5: But I'm too over the top of like, oh, how
19:48
Speaker 5: did you get this done?
19:51
Speaker 2: We're the same so I don't know why I even
19:53
Speaker 2: said that.
19:53
Speaker 1: Do no worry, Like, I totally get it.
19:55
Speaker 3: It's good in theory, but then you yeah, no, it's
19:58
Speaker 3: not how it works. But that's okay. That's a conversation
20:01
Speaker 3: to have over on the Business Bible. Yeah, well, money diarist,
20:06
Speaker 3: It has been so so lovely to have a chat
20:08
Speaker 3: with you today. Thank you so much for sharing your story.
20:11
Speaker 3: I'm so excited that we get to have these conversations
20:14
Speaker 3: each and every single week with members of our community
20:16
Speaker 3: where they get to share their story and we get
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20:21
Speaker 3: their money lives.
20:22
Speaker 5: Thank you for having me. Nice the chat.
20:24
Speaker 3: Okay, but just before we head off, we'd like to
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