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FRIDAY DRINKS: Valentine wants to buy a jetski · She's On The Money

• 0:01
  Speaker 1: She's on the Money.
• 0:03
  Speaker 2: She's on the Money.
• 0:14
  Speaker 1: Hello, and welcome to She's on the Money, the podcast
• 0:17
  Speaker 1: for Millennials who want financial freedom. My name is Victoria Devine.
• 0:22
  Speaker 1: I am a millennial, I am a financial advisor, and
• 0:24
  Speaker 1: I am wildly passionate about financial literacy. And today on
• 0:28
  Speaker 1: the show, I'm joined again this week by Ryan John
• 0:30
  Speaker 1: and Jessica, our fellow She's on the Money team members.
• 0:33
  Speaker 1: And this week we are talking money wins, we are
• 0:36
  Speaker 1: talking the community, and we are talking about goals, which
• 0:39
  Speaker 1: we spoke about on our podcast this week.
• 0:41
  Speaker 2: Yep.
• 0:41
  Speaker 3: And I think within what half an hour of posting that,
• 0:44
  Speaker 3: how many comments do we get with people sharing the goal?
• 0:47
  Speaker 1: Drud of people being like, this is my goal, and
• 0:49
  Speaker 1: I'm so proud of you all, but my gosh, you
• 0:51
  Speaker 1: overwhelm me with your generosity when it comes to sharing
• 0:54
  Speaker 1: in this group. It is actually crazy. Jess and Ryan
• 0:58
  Speaker 1: of that thread, did you do you have a favorite
• 1:01
  Speaker 1: goal that someone had? Shit? I sure do.
• 1:04
  Speaker 2: My favorite goal was from Valentine, and Valentine said, in
• 1:07
  Speaker 2: addition to wanting to save, she wanted to buy a
• 1:09
  Speaker 2: jet ski and I am all on board that train.
• 1:11
  Speaker 3: I think that's.
• 1:11
  Speaker 1: Amazing I'm glad you've picked and really like momentous money
• 1:14
  Speaker 1: win there or a goal, you know what, it's in
• 1:17
  Speaker 1: line with your values. Friends, get your jet ski.
• 1:19
  Speaker 3: Love. Imagine saving up for a jet ski and the
• 1:21
  Speaker 3: satisfaction you would feel the first time you put it
• 1:24
  Speaker 3: into the water and you're like, yeah, I save.
• 1:25
  Speaker 1: For this, Oh my gosh. But if you put it
• 1:27
  Speaker 1: into the water anywhere near the beach that my parents
• 1:29
  Speaker 1: go to, you, they'll yell at you from the beach
• 1:31
  Speaker 1: being too close to the foreshore. And that's definitely not
• 1:34
  Speaker 1: so many yards out.
• 1:35
  Speaker 3: Does your dad Wavey's fist.
• 1:37
  Speaker 1: Oh, he probably does. Like he's always like, oh, they're
• 1:40
  Speaker 1: so territorial, Like they shouldn't be anywhere near the water.
• 1:43
  Speaker 3: They're a jet ski. Where should they be?
• 1:45
  Speaker 1: They should be in the water. But I think there's
• 1:47
  Speaker 1: a bit of a stereotype going round about jet ski
• 1:50
  Speaker 1: as being hoon's.
• 1:51
  Speaker 3: You could say, what was her name again, Valentine's Valentine?
• 1:54
  Speaker 1: Valentine sounds too classy to be a hoon.
• 1:56
  Speaker 3: Can you just let us know, Valentine if a you're
• 1:58
  Speaker 3: a hoon who's been yelled at by Victoria's dad, And
• 2:01
  Speaker 3: also just keep us updated throughout the year, because I'd
• 2:03
  Speaker 3: love nothing more than towards the back end of the year.
• 2:05
  Speaker 1: Will you come to the beach with us, we have
• 2:07
  Speaker 1: a beach party and go.
• 2:09
  Speaker 3: Let's Keith, what an absolute legend.
• 2:11
  Speaker 1: I love that, Ryan, What have you got?
• 2:13
  Speaker 3: Ruby Rose says, this is the first year that my
• 2:16
  Speaker 3: husband and I have both had an income, So we've
• 2:19
  Speaker 3: got two full incomes for the first time ever, and
• 2:21
  Speaker 3: our goal is to continue living off just one of
• 2:24
  Speaker 3: them and completely save the entire second income.
• 2:28
  Speaker 1: Okay, so that'spic and I love that goal, and that
• 2:31
  Speaker 1: is so about living within your means and making sure
• 2:34
  Speaker 1: that you don't experience lifestyle creep. That is awesome.
• 2:37
  Speaker 3: Well, I think the fact that they've proved to themselves
• 2:39
  Speaker 3: that they've already done it. We've lived off one wage.
• 2:41
  Speaker 3: We know we can live off one wage. We can
• 2:42
  Speaker 3: do it. It seems realistic. But I was actually going to
• 2:44
  Speaker 3: ask V how many people do you think when they
• 2:47
  Speaker 3: have more money coming in going Yep, that extra twenty
• 2:50
  Speaker 3: grand or this extra whole wage is going here. But
• 2:52
  Speaker 3: then it doesn't happen.
• 2:53
  Speaker 1: Oh, it hardly ever happens. And it's because we all
• 2:56
  Speaker 1: have the best intentions, but we don't have a plan
• 2:59
  Speaker 1: in place to actually get that done. And the way
• 3:02
  Speaker 1: to do that would be to make sure that whatever
• 3:04
  Speaker 1: money is coming in goes straight to a savings account
• 3:07
  Speaker 1: and you automate that, because if you don't, you're setup
• 3:09
  Speaker 1: for failure.
• 3:09
  Speaker 3: All right, that's good advice. V your favorite one.
• 3:12
  Speaker 1: Okay, mine's definitely not as impactful as yours. Is probably
• 3:15
  Speaker 1: more on the same page as a jest, but because
• 3:17
  Speaker 1: it's dog related, I would argue it's better. Lily says
• 3:21
  Speaker 1: she has the goal of buying a house. Fantastic, but
• 3:23
  Speaker 1: she also wants to buy a kovoodle.
• 3:25
  Speaker 2: So one of my friends one of those, and they
• 3:27
  Speaker 2: are the cutest, sweetest little dogs.
• 3:28
  Speaker 1: They look like little teddy bears.
• 3:30
  Speaker 3: Which dog is your dog? Again? Is that a kovoodle?
• 3:32
  Speaker 1: No? Not a kvoodle? It sounds so lame. I always
• 3:34
  Speaker 1: say she's an old English sheep dog crosspoodle because it
• 3:38
  Speaker 1: sounds much less lame than saying my dog, Lucy's a sheeperdoodle.
• 3:43
  Speaker 3: That's terrible, are you? And like, obviously anyone that's been
• 3:47
  Speaker 3: anywhere near Instagram over the last month has seen this.
• 3:50
  Speaker 1: Dog dog dog dog cat cat dog dog dog. Yeah,
• 3:53
  Speaker 1: that's pretty much my Instagram at the moment, I'm sorry,
• 3:56
  Speaker 1: guys her instagram as well. She has one at Lucy
• 3:58
  Speaker 1: the Golden Sheep do she does? Jess now manages our
• 4:03
  Speaker 1: socials and Lucy's hay on.
• 4:06
  Speaker 3: So Jess, who is on the books that she's on
• 4:07
  Speaker 3: the money, is spending her paid time to manage your
• 4:10
  Speaker 3: dog's Instagram.
• 4:11
  Speaker 1: I didn't say that I was a good manager. I
• 4:15
  Speaker 1: absolutely would say you, I love so I'm glad. But like,
• 4:20
  Speaker 1: that's cause she manages my dog's social account.
• 4:22
  Speaker 3: So does is she saving up for the dog? Because
• 4:24
  Speaker 3: dogs can actually be expensive.
• 4:26
  Speaker 1: Right, Yeah? And that sounds like, yeah, kvoodles can be
• 4:30
  Speaker 1: so several thousand dollars exactly. Like I've got friends and
• 4:33
  Speaker 1: I think family who've spent more than five thousand dollars
• 4:36
  Speaker 1: on these dogs insane.
• 4:38
  Speaker 3: So I judge them with my dog BJ, because I
• 4:40
  Speaker 3: think we paid eighty bucks for him to some farmer
• 4:42
  Speaker 3: that found him at the back.
• 4:44
  Speaker 1: But BJ's a legend.
• 4:46
  Speaker 3: I was like, I was like, look at these guys, BJ,
• 4:47
  Speaker 3: they're kidding themselves. You're a real man.
• 4:50
  Speaker 1: Hold on, hold on your rescue. Sleeps on the bed
• 4:53
  Speaker 1: on the couch is a silk when it goes outside. Please.
• 4:56
  Speaker 3: He's a former farm dog. He's now profetic in a
• 4:59
  Speaker 3: sm fum dog. Yeah, we do joke when Bridget my
• 5:04
  Speaker 3: wife and I.
• 5:05
  Speaker 1: I like, how you keep dropping my wife Bridget all
• 5:07
  Speaker 1: this everything that we've done. Yeah, she absolutely is. But
• 5:11
  Speaker 1: everyone knows who Bridget is. We love Bridget. We all
• 5:14
  Speaker 1: know you got married last week.
• 5:16
  Speaker 3: There's three people in our house, Bridget, myself, and the dog.
• 5:19
  Speaker 3: BJ and I often team up on Bridget, so it's
• 5:22
  Speaker 3: like two verses. One and I always say where team rescue?
• 5:26
  Speaker 1: I don't say that you can. You can't say that
• 5:32
  Speaker 1: for those of you playing along at home, Ryan, Why
• 5:34
  Speaker 1: would you both be team rescue?
• 5:37
  Speaker 3: Well? I was also, like BJ, adopted when I was
• 5:39
  Speaker 3: quite young. And so anytime if.
• 5:41
  Speaker 1: Anyone doesn't know that, that's why that's funny. It was
• 5:43
  Speaker 1: like morbidly funny.
• 5:45
  Speaker 3: Well, and the anytime Bridget acts like she would act
• 5:48
  Speaker 3: like that, BJ, she doesn't understand our lives.
• 5:54
  Speaker 1: I don't know if I could deal with you. Well,
• 5:56
  Speaker 1: I'm glad glad Bridget puts up with it.
• 5:58
  Speaker 3: Yeah, excellent, so am I. She's married to me for life.
• 6:02
  Speaker 3: Let's move along to we've gone through some of our favors,
• 6:04
  Speaker 3: and please continue to leave your goals for twenty twenty
• 6:07
  Speaker 3: one because I think it might be fun til later
• 6:10
  Speaker 3: in the year go back find this post and we
• 6:13
  Speaker 3: can go through all the goals and see if we
• 6:15
  Speaker 3: achieved ours and if everyone in the group achieved theirs
• 6:17
  Speaker 3: as well, because it'd be good to come back to.
• 6:19
  Speaker 3: But our three goals, Let's start with you, Victoria Devine,
• 6:22
  Speaker 3: what are your money goals for twenty twenty one?
• 6:25
  Speaker 1: In an earlier episode this week, I announced finally that
• 6:29
  Speaker 1: I have achieved my biggest financial goal to date, and
• 6:33
  Speaker 1: that is purchasing my first home with my partner Steve. Congratulations,
• 6:36
  Speaker 1: thank you, And we are honestly, so so so excited,
• 6:41
  Speaker 1: and we've had a number of we're really good at
• 6:42
  Speaker 1: TALKI about finance, which I don't think is going to
• 6:44
  Speaker 1: surprise any listening. But our financial goal is to be
• 6:49
  Speaker 1: able to save enough to you know, change the bathrooms
• 6:52
  Speaker 1: and change the kitchen, because when we bought the house,
• 6:55
  Speaker 1: it definitely isn't what we wanted it to be. But
• 6:57
  Speaker 1: we want to do all of that debt free and
• 6:59
  Speaker 1: not going to any debt because obviously we didn't buy
• 7:01
  Speaker 1: a house outright, we do now have a mortgage, which
• 7:04
  Speaker 1: is terrifying seeing how much debt you're in. But I
• 7:07
  Speaker 1: know that it's a good investment, so it's okay. But
• 7:10
  Speaker 1: we want to be able to add a kitchen, add bathrooms,
• 7:13
  Speaker 1: and you know, do up the house because it is
• 7:15
  Speaker 1: a nineteen forties house with an extension on the back
• 7:17
  Speaker 1: that has a lot left to be fixed up and changed,
• 7:21
  Speaker 1: and like it's going to be really fun. It might
• 7:23
  Speaker 1: be a really slow process, but I think it'll be
• 7:25
  Speaker 1: really nice knowing that we're not in any more debt
• 7:28
  Speaker 1: for it. So that's the plan this year.
• 7:30
  Speaker 3: So if people actually want to see the house, they can.
• 7:32
  Speaker 3: There's a house tour on Victoria Devine's YouTube channel.
• 7:35
  Speaker 1: Yes, we did that together.
• 7:37
  Speaker 3: Funnel three of us.
• 7:38
  Speaker 1: All three of us were at my house the day
• 7:41
  Speaker 1: after I got the keys and had started moving in.
• 7:44
  Speaker 2: First thing we put in there. Take a guess, anybody
• 7:46
  Speaker 2: the Christmas tree?
• 7:47
  Speaker 1: Yeah, of course the Christmas tree is up, even though
• 7:49
  Speaker 1: nothing else is. And I had my shoes and my plants.
• 7:52
  Speaker 1: I didn't need anything else.
• 7:53
  Speaker 3: Now we talk about this as we're doing the house tour,
• 7:55
  Speaker 3: but for people that haven't seen it, I'll just ask
• 7:57
  Speaker 3: you again now for our podcast listeners. Your and your
• 8:01
  Speaker 3: partner Steve's balance between getting a house in the area
• 8:04
  Speaker 3: you wanted versus getting a you know, inverted commas completed
• 8:07
  Speaker 3: finished how you would like it to be house. So
• 8:09
  Speaker 3: how did you juggle that balance?
• 8:11
  Speaker 1: Yeah, that was a hard one because obviously, when you
• 8:13
  Speaker 1: have a budget, everything over and above your budget is
• 8:17
  Speaker 1: really attractive. Like you see it and you're like, oh,
• 8:19
  Speaker 1: that was three hundred thousand dollars less, that'd be perfect.
• 8:22
  Speaker 1: It's that you're absolutely dreaming, Victoria. So to be honest,
• 8:25
  Speaker 1: we got really really lucky, and we didn't think that
• 8:28
  Speaker 1: we'd be able to afford to buy the house that
• 8:30
  Speaker 1: we did end up buying. I say house. We've literally
• 8:33
  Speaker 1: bought a house when we didn't even think that that
• 8:35
  Speaker 1: was going to be a reality for us. And I'm
• 8:37
  Speaker 1: really open with our goals, but we thought we could
• 8:40
  Speaker 1: maybe buy, you know, two bedroom unit or a three
• 8:42
  Speaker 1: bedroom unit if we could afford it. And I think
• 8:44
  Speaker 1: we got really lucky during COVID when we're in super
• 8:47
  Speaker 1: lockdown and literally purchased the week after lockdown came back,
• 8:51
  Speaker 1: and I was working with one of my girlfriends and
• 8:53
  Speaker 1: also an incredibly good buyers advocate Amy Lenardi, who found
• 8:58
  Speaker 1: this house for us off market, and it's actually the
• 9:00
  Speaker 1: family who owned it had already left the country and
• 9:02
  Speaker 1: needed to get rid of it asap, so we had
• 9:04
  Speaker 1: to move super quickly. It was definitely a do as
• 9:07
  Speaker 1: I say, not as I do kind of moment, because
• 9:09
  Speaker 1: it is not a process or the process we went through.
• 9:11
  Speaker 1: It's not something I would recommend to others, just because
• 9:13
  Speaker 1: there was a fair bit of risk involved given how
• 9:16
  Speaker 1: quick we needed to move on it. But we did
• 9:19
  Speaker 1: end up getting what I would say is definitely my
• 9:21
  Speaker 1: dream house at this point in my life. You know,
• 9:24
  Speaker 1: we've bought a three bedroom house with heaps of space.
• 9:27
  Speaker 1: I've got a backyard, I was able to get a dog,
• 9:30
  Speaker 1: which you guys probably would have seen.
• 9:31
  Speaker 3: A really nice area as well.
• 9:33
  Speaker 1: Really beautiful area, and we just feel very very grateful
• 9:36
  Speaker 1: being in that position.
• 9:37
  Speaker 3: Yeah, but you are, as we were saying, it's probably not finished.
• 9:40
  Speaker 3: You're going to spend a bit.
• 9:41
  Speaker 1: Of act not finished.
• 9:43
  Speaker 3: Gess what would you how would you describe the splashback
• 9:45
  Speaker 3: in the kitchen Red's red.
• 9:52
  Speaker 1: I don't know, that's not even the highlight of the house.
• 9:54
  Speaker 1: I would argue the false ceilings in the bathroom.
• 9:58
  Speaker 2: Made of tin. They're all like, not even tiles, just tin.
• 10:02
  Speaker 1: That was a really dodgy DOROI effort. Yeah, Like, we've
• 10:05
  Speaker 1: got these big, beautiful old nineteen forty ceilings and they
• 10:09
  Speaker 1: decided to cut them down to about seven.
• 10:12
  Speaker 3: Foot so and just have this weird gap.
• 10:14
  Speaker 1: Weird gap in between and like remove all of the
• 10:16
  Speaker 1: lighting and oh my gosh, it's horrendous. But if you
• 10:19
  Speaker 1: watch the video, you know exactly what we're talking about.
• 10:21
  Speaker 3: Check out the video. It is great fun, and I
• 10:24
  Speaker 3: think that's a great goal. To renovate a house without
• 10:27
  Speaker 3: going into more debt is a big goal. But I'm
• 10:30
  Speaker 3: actually excited to watch it happen and everyone else will do.
• 10:32
  Speaker 1: It's so fun, and I think, yeah, we're going to
• 10:34
  Speaker 1: document the entire thing via YouTube, because once we've saved
• 10:37
  Speaker 1: up enough for a bathroom, we'll do the renolds of
• 10:39
  Speaker 1: that bathroom and we'll share the journey with you. I
• 10:41
  Speaker 1: really want to be able to share like the budgets
• 10:43
  Speaker 1: associated with that, because at the moment I'm saying I
• 10:46
  Speaker 1: have the goal of this, but I actually can't tell
• 10:48
  Speaker 1: you what that goal is financially right now, because I
• 10:51
  Speaker 1: don't know what a bathroom costs. So the next month
• 10:53
  Speaker 1: or so, my partner and I are getting quotes to
• 10:55
  Speaker 1: bathrooms and kitchens, and you know, we'd love some new flooring,
• 10:59
  Speaker 1: and just we're going through all of that process at
• 11:01
  Speaker 1: the moment to work out, right, what's reasonable to pay
• 11:04
  Speaker 1: for a bathroom? How does that work. I didn't actually
• 11:07
  Speaker 1: realize how expensive it was to move plumbing around the house.
• 11:12
  Speaker 3: You're sing, put the bathroom over there.
• 11:13
  Speaker 1: I was like, Okay, no, I'm not, so we're gonna
• 11:18
  Speaker 1: have to maybe realign my expectations. But I think it'll
• 11:22
  Speaker 1: be really interesting just to get these quotes and understand
• 11:25
  Speaker 1: how much these things are and then prioritize what parts
• 11:28
  Speaker 1: of the house we're going to do first, and then Jess,
• 11:30
  Speaker 1: Ryan and I and some videographers that are going to
• 11:33
  Speaker 1: work with us, we're going to document the entire process.
• 11:35
  Speaker 1: And I just think it'll be really fun.
• 11:36
  Speaker 3: Yeah, I agree. I'm very much looking forward to it
• 11:38
  Speaker 3: seeing how actually.
• 11:40
  Speaker 1: She's on the money, but it's she's on the block. Guys.
• 11:44
  Speaker 3: Jess, welcome to the team. First of all, thank you.
• 11:47
  Speaker 3: What are your money goals for twenty twenty one besides
• 11:49
  Speaker 3: landing this new sweet job?
• 11:50
  Speaker 2: Well, kind of in line with that, and a little
• 11:52
  Speaker 2: bit embarrassingly, having formerly been a community member and now
• 11:55
  Speaker 2: obviously being an employee, I don't have an actual budget,
• 12:01
  Speaker 2: so I have been using up bank love it and say.
• 12:04
  Speaker 1: This's a proper sheets on the money. I am one of.
• 12:08
  Speaker 2: You, So I have been using up bankers kind of
• 12:10
  Speaker 2: like I designate what I have, like my groceries for
• 12:14
  Speaker 2: the Fortnite or whatever that might be. However, I've never
• 12:17
  Speaker 2: actually looked at my cashlong okay, like this is what's
• 12:19
  Speaker 2: coming in, this is what's going out, this is what
• 12:21
  Speaker 2: plausibly I could put towards my bigger financial goal, which
• 12:24
  Speaker 2: is a house deposit.
• 12:26
  Speaker 1: Boss was a financial advice who knew your salary. You
• 12:30
  Speaker 1: talk openly about that.
• 12:31
  Speaker 3: How good, weird one? Do you have the budgeting and
• 12:34
  Speaker 3: cash Flow master class?
• 12:35
  Speaker 2: Victoria kindly gifted me access.
• 12:37
  Speaker 3: I was going to say, we'll take it out of
• 12:38
  Speaker 3: your page.
• 12:41
  Speaker 1: Not a chance, but that's actually one of our employee
• 12:44
  Speaker 1: benefits here and sheet on the money, don't we don't
• 12:47
  Speaker 1: have many. We do have an office dog and free
• 12:49
  Speaker 1: access to the budget cashflow masterclass.
• 12:51
  Speaker 2: All about it though, Like you showed me that spreadsheet,
• 12:53
  Speaker 2: and firstly you can do things with an Excel spreadsheet
• 12:55
  Speaker 2: that I know were possible.
• 12:56
  Speaker 3: So story divine great in the sheets. That's what I've.
• 12:59
  Speaker 2: Always heard that Rossia First, Okay, moving, what were you saying?
• 13:06
  Speaker 2: Yess No, I just basically want to get my life
• 13:08
  Speaker 2: together and now that I have access to like this
• 13:10
  Speaker 2: next level with bang sheet, put everything in see what
• 13:13
  Speaker 2: I actually can save and hopefully smash my house deposit.
• 13:17
  Speaker 1: I'm very excited for you to set that up.
• 13:18
  Speaker 2: I can't wait for you to keep me accountable every week.
• 13:21
  Speaker 3: Is that.
• 13:24
  Speaker 1: I'm sorry? I'm pretty sure I pay for you.
• 13:28
  Speaker 3: All right?
• 13:29
  Speaker 1: Moving on, Ryan John, what are your financial goals this year?
• 13:32
  Speaker 3: Well, Bridget and I own a house together.
• 13:36
  Speaker 1: But we've real commitment.
• 13:38
  Speaker 3: Yeah, but we move for work. So we live in
• 13:40
  Speaker 3: Melbourne in the Grampian, so we're in Victoria now, but
• 13:43
  Speaker 3: we our house is and in Victoria, so we've got
• 13:45
  Speaker 3: rentes in there at moment, which is great, but we
• 13:47
  Speaker 3: want to get that I don't know if you like
• 13:49
  Speaker 3: the term forever home, but you know that really like
• 13:51
  Speaker 3: we want to sit down and have kids here and
• 13:54
  Speaker 3: really not have to move again for a really long time.
• 13:57
  Speaker 3: So we're starting to look at where like suburbs or
• 14:00
  Speaker 3: what area that might be and so and obviously saving
• 14:03
  Speaker 3: for that. So I think that might be considering the
• 14:06
  Speaker 3: price of property in Melbourne at the moment, probably how
• 14:10
  Speaker 3: far out of Melbourne Adelaide it'll probably be.
• 14:14
  Speaker 1: It is really expensive now, I've heard, Yeah, I think so,
• 14:17
  Speaker 1: because it's like left a little bit bougie now like
• 14:19
  Speaker 1: Adelaide's the place to be.
• 14:20
  Speaker 3: I've heard everywhere goes up in price except for where
• 14:24
  Speaker 3: I own the houses. But yeah, we're probably in two
• 14:28
  Speaker 3: years want to have that family forever home. So, as
• 14:31
  Speaker 3: we were discussing on the episode on Wednesday and earlier,
• 14:33
  Speaker 3: maybe us just breaking that down to a month by
• 14:35
  Speaker 3: month to kind of go how much do we need
• 14:37
  Speaker 3: to save per month so that in two years time
• 14:39
  Speaker 3: we'll have enough for a big, juicy deposit. So I
• 14:41
  Speaker 3: think that's sort of where we're at.
• 14:43
  Speaker 1: That's actually really exciting and I can't wait for you
• 14:45
  Speaker 1: guys to do that.
• 14:46
  Speaker 3: Yeah, And I'm really jealous because people don't know this
• 14:48
  Speaker 3: about us, but a lot of the time we spent
• 14:51
  Speaker 3: this year keeping each other sane, was looking on real
• 14:53
  Speaker 3: estate dot com dot au at houses for each other.
• 14:55
  Speaker 3: And now that you've bought one, it's sort of like, oh, well,
• 14:57
  Speaker 3: we can't really look now, it's not as fun. Yeah.
• 15:00
  Speaker 1: I think that was actually so fun because we'd send
• 15:02
  Speaker 1: each other like ridiculous houses. I think you found me
• 15:05
  Speaker 1: one like way out in Balarat.
• 15:07
  Speaker 3: It was in Balerie a three point eight million. I
• 15:09
  Speaker 3: was like, what about this just for a weekend.
• 15:12
  Speaker 1: Yeah, of course I can't afford a third of that,
• 15:17
  Speaker 1: but no, it was really fun, and I think we
• 15:19
  Speaker 1: need to take shares in real estate dot com dot are.
• 15:21
  Speaker 3: You absolutely now we are going to do things a
• 15:25
  Speaker 3: little bit differently. We're still if people want to post
• 15:27
  Speaker 3: their money wins in the group, they're more than welcome.
• 15:29
  Speaker 3: But jess what are we doing every week? Because we
• 15:31
  Speaker 3: kind of want to clump them together, right.
• 15:33
  Speaker 1: We want more clarity in the Facebook group.
• 15:35
  Speaker 3: We do.
• 15:35
  Speaker 1: We've been hard.
• 15:36
  Speaker 2: Yeah, we've been listening. We love when you give us feedback,
• 15:39
  Speaker 2: and we know that some people will finding it really
• 15:41
  Speaker 2: hard to find the specific things that they were looking
• 15:43
  Speaker 2: for and the really great discussions we have going on.
• 15:46
  Speaker 2: So from now on, every Monday, I will be posting
• 15:48
  Speaker 2: up a money win Monday thread, which doesn't just have
• 15:52
  Speaker 2: to be for Monday. Of course, you can share them
• 15:54
  Speaker 2: with us all week long, but you get a new
• 15:56
  Speaker 2: thread every Monday, correct, So I will make sure that
• 15:58
  Speaker 2: they're pinned either in the announcements or the pinned posts
• 16:01
  Speaker 2: at the top of the page every week, so they're
• 16:03
  Speaker 2: super easy for you to find, and then you can
• 16:05
  Speaker 2: go through the comments like and interact exactly the same
• 16:08
  Speaker 2: as we normally do. It's just going to be a
• 16:09
  Speaker 2: little sleeker in the feed.
• 16:11
  Speaker 1: I love that. Speaking of our Facebook group, let's head
• 16:15
  Speaker 1: back to the community for a minute. We all have
• 16:18
  Speaker 1: found our favorite post of the week or of the month.
• 16:21
  Speaker 3: Yep, because we've had a cho from over here.
• 16:23
  Speaker 1: Yeah, we've had a fair feuder choose from over cosy.
• 16:26
  Speaker 1: So before we wrap this episode up, which arguably is
• 16:30
  Speaker 1: a lot fluffier than our normal She's on the Money episodes,
• 16:33
  Speaker 1: you would have noticed that we've been breaking it up
• 16:35
  Speaker 1: a little bit more because one, we love to be
• 16:37
  Speaker 1: in your ears more often, so now you're going to
• 16:39
  Speaker 1: get three episodes of Shees on the Money each in
• 16:41
  Speaker 1: every single week. But two, we feel like this Friday
• 16:45
  Speaker 1: wrap is kind of like Friday afternoon drinks or Friday
• 16:47
  Speaker 1: morning drinks with your friends and checking in out a
• 16:50
  Speaker 1: community and checking in with our friends and just seeing
• 16:52
  Speaker 1: how you're doing and wishing you a good weekend before
• 16:54
  Speaker 1: you get to hear your money day on Monday.
• 16:56
  Speaker 3: There definitely is Friday vibes because we have all lost
• 16:58
  Speaker 3: the plot.
• 16:59
  Speaker 1: Yeah, we have been in the studio for so long.
• 17:02
  Speaker 3: Yep. So, Jess, what was your favorite post?
• 17:05
  Speaker 2: My favorite post came from Donna, who left us a
• 17:07
  Speaker 2: beautiful long summary of her twenty twenty. Like many of us,
• 17:10
  Speaker 2: it was a bit of a garbage fire. Started off
• 17:13
  Speaker 2: so well. She got her dream job. She was a
• 17:15
  Speaker 2: flight attendant working internationally, and then, as you can imagine,
• 17:19
  Speaker 2: came crashing down around March. Because I would have had
• 17:23
  Speaker 2: it really hard, so tough, her and her partner both
• 17:26
  Speaker 2: lost their jobs. Of course, like all of us, she
• 17:29
  Speaker 2: went through that really tough period of feeling sorry for herself,
• 17:32
  Speaker 2: not being sure what to do, and then kind of
• 17:34
  Speaker 2: got it back together around April, started applying for jobs
• 17:37
  Speaker 2: like crazy, smashed it out of the top park and
• 17:40
  Speaker 2: got a job for herself full time in November. And
• 17:43
  Speaker 2: now they've paid off their debt, they're saving she's closed zippage,
• 17:47
  Speaker 2: she's closed after pay and she said she's so positive
• 17:49
  Speaker 2: and looking to the future now I love that.
• 17:53
  Speaker 1: Yeah, that makes my heart.
• 17:54
  Speaker 3: So, yeah, there are some great stories like that in
• 17:56
  Speaker 3: the group of It has been a tough year, but
• 17:58
  Speaker 3: even just that, you just say green shoots of positivity
• 18:02
  Speaker 3: coming into a new year with a new job and
• 18:04
  Speaker 3: stuff like that job's coming back.
• 18:05
  Speaker 1: Yeah, I'm so excited for them. How epic is bat Ryan?
• 18:09
  Speaker 1: Did you have a post that you really liked this week?
• 18:12
  Speaker 3: I've never seen someone Usually when you're like, I want
• 18:16
  Speaker 3: to save this amount of money, you kind of like
• 18:17
  Speaker 3: almost get there if you get close.
• 18:19
  Speaker 1: But it's like if you save ten thousand dollars, you're like, yeah,
• 18:22
  Speaker 1: eight thousand, one hundred, Yeah, yeah, I mean that's good.
• 18:26
  Speaker 3: So Mel said that this year, and this is from December.
• 18:29
  Speaker 3: She said it was a bit of a due or
• 18:30
  Speaker 3: die year for me. I was really determined to save
• 18:33
  Speaker 3: thirty five thousand by the end of the year.
• 18:35
  Speaker 1: That's a big goal. Yeah, that's a massive goal.
• 18:38
  Speaker 3: Of I know. And she thought that herself. When everything
• 18:41
  Speaker 3: started turning to crab you know, she goes, Okay, maybe
• 18:43
  Speaker 3: thirty five is pushing it. I'll just settle for thirty. Well,
• 18:46
  Speaker 3: by the end of the year, she hit forty thousand, dollars,
• 18:50
  Speaker 3: so she exceeded her original prediction by five thousand, and
• 18:53
  Speaker 3: then even after she brought it.
• 18:54
  Speaker 1: Down, I accidentally saved an extra five grand. I cannot
• 18:59
  Speaker 1: say that I've ever been in that position.
• 19:01
  Speaker 3: Yeah, and that happened. People may recognize this post because
• 19:04
  Speaker 3: so many people have commented and just been like, congratulations,
• 19:07
  Speaker 3: this is amazing, really impressive. And I agree, Melissa, well
• 19:12
  Speaker 3: done your legend. And how you kept saying I sort
• 19:14
  Speaker 3: of got to the point where like, oh, I can
• 19:15
  Speaker 3: celebrate now, but to keep going, well done to you.
• 19:20
  Speaker 3: What's your one?
• 19:21
  Speaker 1: All right? So my one is from Mikayla, and this
• 19:24
  Speaker 1: actually warmed my heart, and I know that it warmed
• 19:26
  Speaker 1: the heart of at least five and a half thousand
• 19:27
  Speaker 1: others of you, because that's how many people have liked
• 19:30
  Speaker 1: this post thus far. It needs only been recently posted.
• 19:35
  Speaker 1: So Michayla said, hello, ladies, first post I've ever shared,
• 19:38
  Speaker 1: and I wanted to share a story about my mum,
• 19:41
  Speaker 1: which I think is really special because mums are special people.
• 19:44
  Speaker 1: She said. About ten years ago, my mum had a
• 19:46
  Speaker 1: workplace accident that still sees her struggling today with medical issues.
• 19:50
  Speaker 1: She slipped a disk in her back, which is terrible
• 19:53
  Speaker 1: and literally the worst. But then she's also been diagnosed
• 19:55
  Speaker 1: with type one diabetes, has high blood pressure, and a
• 19:58
  Speaker 1: whole heap of other stuff which honestly sucks and is
• 20:00
  Speaker 1: the worst. But about three years ago, her and her
• 20:04
  Speaker 1: three brothers decided to open and join bank account together
• 20:07
  Speaker 1: for their mum, and they've all been contributing ten dollars
• 20:10
  Speaker 1: a week each to this account to set aside for her,
• 20:13
  Speaker 1: hopefully like go on a cruise or something. But then
• 20:15
  Speaker 1: obviously after twenty twenty and no one wants to go
• 20:17
  Speaker 1: on a cruise, So on Christmas Day for her present,
• 20:21
  Speaker 1: they gave her a bank statement of six seven hundred
• 20:24
  Speaker 1: dollars and obviously she said, that's not a direct money win,
• 20:28
  Speaker 1: but I just thought it was a really nice story
• 20:30
  Speaker 1: to share, which it was, Mikayla, that is so beautiful
• 20:33
  Speaker 1: and from a picture it looks like her mum is
• 20:36
  Speaker 1: literally broken, like she looks so happy, but also you
• 20:39
  Speaker 1: can tell she's bawling her eyes out, So I like,
• 20:43
  Speaker 1: how beautiful, And then she said, once my mom found
• 20:46
  Speaker 1: her voice, she said that she wants to go on
• 20:48
  Speaker 1: a family holiday to New Zealand, one great location, but
• 20:51
  Speaker 1: Michayla said, well, I'm better start saving. So I really
• 20:56
  Speaker 1: liked that and I thought that was really beautiful and
• 20:58
  Speaker 1: I just think that that is a one of my
• 21:00
  Speaker 1: favorite quotes from Little Things, Big Things Grow and look
• 21:03
  Speaker 1: at the impact that they could have had. Don't you
• 21:05
  Speaker 1: dare play that song?
• 21:06
  Speaker 3: Ryan Jo? So what did you say?
• 21:07
  Speaker 1: No, I'm not gonna say it again. Please leave?
• 21:10
  Speaker 2: No?
• 21:11
  Speaker 3: Are we almost done? Anyway? Yeah, this is from Little Things,
• 21:15
  Speaker 3: Big Things Grow.
• 21:18
  Speaker 1: That's the radio hosting Ryan John. But anyway, I thought
• 21:21
  Speaker 1: that was a really great post. That just show us
• 21:23
  Speaker 1: that over the long term, that stuff does really add
• 21:25
  Speaker 1: up and that can really change someone's life. So I
• 21:28
  Speaker 1: think that that is just it's awesome. So given I'm
• 21:30
  Speaker 1: being played off with music, I think it's about time
• 21:33
  Speaker 1: to wrap the show. So just before we head off, though,
• 21:35
  Speaker 1: we'd like to acknowledge and pay respect to Australia's Aboriginal
• 21:38
  Speaker 1: and Torrestrate islander people's, the traditional custodians of the lands,
• 21:41
  Speaker 1: the waterways and the skies all across Australia. We thank
• 21:45
  Speaker 1: you for sharing and for caring on the land which
• 21:47
  Speaker 1: we are able to learn. We pay our respects to
• 21:49
  Speaker 1: elders past and present, and we share our friendship and
• 21:52
  Speaker 1: our kindness. Now, the advice shared on Cheese on the Money,
• 21:55
  Speaker 1: even on Friday episodes, is general in nature and does
• 21:58
  Speaker 1: not consider your personal self ccumstances. She's on the Money
• 22:01
  Speaker 1: exists purely for educational purposes and should not be relied
• 22:05
  Speaker 1: upon to make an investment or a financial decision. And
• 22:08
  Speaker 1: we promise I am actually an authorized representative of Australia
• 22:12
  Speaker 1: Pacific Funds Management Pty Ltd a by N three four
• 22:16
  Speaker 1: one three two four six three two five seven AFSL
• 22:21
  Speaker 1: three three nine one five one. And thank you to
• 22:24
  Speaker 1: Ryan and Digest for joining me today, who are our
• 22:27
  Speaker 1: producer and community management and content creating angels that help
• 22:32
  Speaker 1: us bring these pods together and you know run our community,
• 22:35
  Speaker 1: which I appreciate endlessly.
• 22:38
  Speaker 3: You welcome from little things, big things grow I've done.
• 22:44
  Speaker 3: I can't don't forget to keep sharing your stories in
• 22:49
  Speaker 3: the group. By the way, because we're going to do
• 22:51
  Speaker 3: an episode every Friday, sharing our favorite post, sharing our
• 22:53
  Speaker 3: favorite money wins, and sharing all the things that's happening
• 22:56
  Speaker 3: in the community. So please keep posting. If you've got
• 22:58
  Speaker 3: any friends, please recommend it. Victoria off the top of
• 23:00
  Speaker 3: your head, Do you know what we're up to? People
• 23:02
  Speaker 3: in the group.
• 23:02
  Speaker 1: We are up to I think one hundred and eighteen
• 23:05
  Speaker 1: thousand people in OW. She's on the Money community, which guys,
• 23:08
  Speaker 1: makes a lot of sense as to why we now
• 23:11
  Speaker 1: have Jessica on as our full time community and content
• 23:14
  Speaker 1: creating manager.
• 23:15
  Speaker 3: How how biggers agree when you started, Like.
• 23:20
  Speaker 1: Obviously, when I started a Facebook group, there.
• 23:22
  Speaker 3: Was no one in it, so I was quite little.
• 23:27
  Speaker 2: Little things speak, things grow.
• 23:31
  Speaker 1: I was trying not to say it. That's enough from
• 23:36
  Speaker 1: us this week.