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MONEY DIARIES: Dream Job, Dream Salary · She's On The Money

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Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud your
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Speaker 1: the Order Kerni Whalbury and a waddery woman. And before
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Speaker 1: we get started on She's on the Money podcast, I
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Speaker 1: would like to acknowledge the traditional custodians of the land
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Speaker 1: of which this podcast is recorded on a wondery country,
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Speaker 1: acknowledging the elders, the ancestors and the next generation coming
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Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
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Speaker 1: and the storytelling of you to make a difference for
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Speaker 1: today and lasting impact for tomorrow.
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Speaker 2: Let's get into it.
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Speaker 3: She's on the Money, She's on the Money.
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Speaker 4: Hello, and welcome to She's I'm the Money the Podcast
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Speaker 4: Millennials who want financial freedom. Welcome back to another shot
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Speaker 4: back Money Diary Monday, where we get to chat to
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Speaker 4: one of our beautiful community members to learn all about
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Speaker 4: them and their money and their story and all of
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Speaker 4: the other fun bits and pieces in between. Victoria, I
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Speaker 4: have a little bit of an international one feature.
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Speaker 2: So when International Money diarest, I love this.
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Speaker 4: Well, now she's here, but let me tell you all
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Speaker 4: about it. Let's go, she said, I migrated to Australia
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Speaker 4: for the first time in twenty twelve from Spain. My
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Speaker 4: family did not believe in me. I learned English and
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Speaker 4: I took on a fifty thousand dollar loan to do
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Speaker 4: the master's degree of my dreams in psychology. I finally
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Speaker 4: got the English score needed to get in, having failed
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Speaker 4: that English test seven times.
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Speaker 2: Oh my gosh, what a hustler.
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Speaker 4: I set about paying for the loan, working night shifts
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Speaker 4: in disability care while studying. I am about to become
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Speaker 4: a clinical psychologist and a brand new Australian citizen and
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Speaker 4: have the goal salary of my dreams.
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Speaker 2: Oh my gosh, what a queen. Imagine doing something seven times.
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Speaker 2: If that's not the definition of lockdown and just getting
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Speaker 2: back up and trying again, I don't know what it is.
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Speaker 1: I know.
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Speaker 4: I'm so excited to hear all from our money diarist today.
2:07
Speaker 4: Thank you so much for joining us, Thank.
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Speaker 5: You for having me.
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Speaker 2: Welcome to the show. I am so excited that you
2:13
Speaker 2: are here. Can we just dive straight in? I want
2:16
Speaker 2: to know talk to us. Can you tell us a
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Speaker 2: little bit about your money story.
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Speaker 1: Yeah.
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Speaker 5: I grew up in a family of five in Barcelona,
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Speaker 5: so I have two sisters and my parents came from
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Speaker 5: quite humble backgrounds, so money was tight in the family
2:32
Speaker 5: growing up, but we always had food and a place
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Speaker 5: to live at I feel like my parents were really
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Speaker 5: good budgeting, so I didn't really see that much struggles
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Speaker 5: with their finances, but I felt a bit restricted, like
2:46
Speaker 5: doing extra things like extra curricular activities or buying things
2:51
Speaker 5: when it wasn't my birthday. But I feel very grateful
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Speaker 5: that they were able to budget and provide all the
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Speaker 5: basics and necessaries that I needed.
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Speaker 2: Love or I want to know what do you do
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Speaker 2: for work now? And how much money do you earn
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Speaker 2: at the moment.
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Speaker 5: I'm a general psychologist and I aarn between eighty and
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Speaker 5: ninety thousand.
3:10
Speaker 2: Very cool, And how long have you been earning that?
3:13
Speaker 2: Not long?
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Speaker 5: I believe it has been over a year now.
3:17
Speaker 4: That's so exciting. And you said in your email that
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Speaker 4: that's a goal or your dream salary. That must have
3:22
Speaker 4: been so exciting for you to have worked so hard
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Speaker 4: and taken that test so many times and done all
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Speaker 4: of your study to finally hit that. What was that
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Speaker 4: moment like when you got the job offer or the
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Speaker 4: notice that you were going to hit the salary that
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Speaker 4: you had been dreaming of Yeah, well.
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Speaker 5: My goal salary is a hundred thousand, so at the
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Speaker 5: end of this year I will become a clinical psychologist
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Speaker 5: and then they'll put me between aundred and one hundred
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Speaker 5: and ten. And yes, that's going to be a very
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Speaker 5: special moment.
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Speaker 4: Oh, I'm so excited for you. Congratulation, that's so exciting.
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Speaker 2: Oh my gosh. All right, I want to know. Obviously
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Speaker 2: that was a big money goal, but what is currently
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Speaker 2: your big money goal?
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Speaker 5: I have a few, So when I think of money goals,
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Speaker 5: I imagine myself having both the property in Barcelona and
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Speaker 5: also a house an investment house in Brisbane before the Olympics,
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Speaker 5: and being able to have the means to spend ten
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Speaker 5: months in Australia, working in two months in Spain every
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Speaker 5: year and living comfortably.
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Speaker 2: Love or I want to know next, do you have
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Speaker 2: any investments? If so, what are they At the moment?
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Speaker 5: I think my biggest investment is the master's I did,
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Speaker 5: which was my education that got me to where I
4:35
Speaker 5: am and I'm still paying for it a bit. And
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Speaker 5: another investments that I have I have a long term
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Speaker 5: deposits account, savings account and the superannuation as well.
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Speaker 4: Superanuation is a big one. Yeah, filling people. It's their
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Speaker 4: first investment.
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Speaker 2: It is their first investment. How has your super been going?
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Speaker 2: Have you been tracking along nicely or is that brand
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Speaker 2: new with your brain a new job.
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Speaker 5: Well, I know I haven't been tracking on it much
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Speaker 5: until I became more educated listening to the podcast, and
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Speaker 5: then I have been keeping an eye making sure I
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Speaker 5: get paid on the superanoation on time and seeing how
5:13
Speaker 5: that grows.
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Speaker 4: Oh good, keeping an eye on it is so important
5:17
Speaker 4: because as much as it's meant to be always looked after,
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Speaker 4: as we know from the show, sometimes that's not always
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Speaker 4: the case. Good that you're keeping an eye on it.
5:24
Speaker 2: Next question I've got for you is do you have
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Speaker 2: any debts?
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Speaker 5: I do? I have some money that I had. I
5:31
Speaker 5: have to still pay for my master's loan. So I
5:34
Speaker 5: took on a fifty thousand dollars loan and at the moment,
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Speaker 5: I believe it's under sixteen thousand dollars.
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Speaker 4: How did that work you? Were you a citizen when
5:43
Speaker 4: you started your master's or were you doing it as
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Speaker 4: an international student.
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Speaker 5: That's a good question. So I had to ask for
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Speaker 5: a loan in Spain because they want to give it
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Speaker 5: to me, so money had to co sign.
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Speaker 2: Oh my goodness, Oh my gosh, how stressful.
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Speaker 5: Yes, and she thought because in the Spain and masters
6:02
Speaker 5: can be like five thousand euros.
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Speaker 4: So she really.
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Speaker 5: Yes, she thought I was completely crazy taking on that
6:09
Speaker 5: much money.
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Speaker 4: Yes, I want fifty thousand dollars. And she's like, what
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Speaker 4: for it?
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Speaker 2: Would you want that? Especially, as she said before, she
6:16
Speaker 2: was really good at budgeting and saving and you know,
6:18
Speaker 2: being good with her money. She would have been like,
6:20
Speaker 2: oh my gosh.
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Speaker 5: Yeah, she didn't believe that after you do that course
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Speaker 5: you get a good salary, because in the Spain it's
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Speaker 5: hard to find jobs even though you are very well trained.
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Speaker 5: And so she made me take the loan in two
6:33
Speaker 5: different parts, one for the first year and the seconde
6:36
Speaker 5: for the second year, being very cautious and it took
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Speaker 5: a lot of effort to get her to call sign.
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Speaker 2: Oh, but you did it, and I'm sure she's very
6:45
Speaker 2: proud of you.
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Speaker 5: Now. Yes, yeah, I have proved her that it was useful.
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Speaker 5: So yes, she's very happy.
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Speaker 2: Oh I love it all right. Next question I've got
6:54
Speaker 2: for you is do you use Shop Back? If so,
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Speaker 2: what are you buying.
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Speaker 5: I've only used it one and I bought the tickets
7:01
Speaker 5: to see you guys.
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Speaker 2: No, did you actually up?
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Speaker 4: I love the EU shot back for she's on the
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Speaker 4: money event like that is that is artest way to
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Speaker 4: do it. That is, she's on the money through and through.
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Speaker 2: Absolutely it is all right. My next question, my friend,
7:17
Speaker 2: is what's your best money habit? Do you think? I
7:20
Speaker 2: think the.
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Speaker 5: Best money habit is the long term the posit I have.
7:25
Speaker 5: The savings I have is when I pen my student
7:28
Speaker 5: loan the first of each month, I also pay for
7:31
Speaker 5: those savings, so it's like a bill. It's a car
7:34
Speaker 5: direct transfer. So I need to make sure I have
7:37
Speaker 5: the money every month and I take it as a bill,
7:40
Speaker 5: so I always have that money ready and it just
7:43
Speaker 5: accumulates on the savings.
7:45
Speaker 2: Love. I feel like that's really smart. Next question I
7:48
Speaker 2: have though, what's your worst money habit?
7:51
Speaker 5: I mean, I have money, but my partner says that
7:55
Speaker 5: I buy tickets for the Price Home Lottery, So I
8:01
Speaker 5: have a membership.
8:02
Speaker 2: You have a membership with it?
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Speaker 5: Yeah, I have the VP membership. So every month I
8:07
Speaker 5: pad like sixty dollars I think for you, and I
8:10
Speaker 5: get tickets.
8:12
Speaker 4: And charity thing, isn't it?
8:14
Speaker 2: Yeah?
8:14
Speaker 4: Yeah, consider it a charitable contribution, which I think is
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Speaker 4: not the West.
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Speaker 5: Yeah, that's what I say to him.
8:21
Speaker 2: Oh my gosh. I love so hard when they say
8:23
Speaker 2: that their money habit is that, because obviously it's like
8:25
Speaker 2: not that detrimental, but it's also just like so in
8:28
Speaker 2: opposite to what we do. But who are way to
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Speaker 2: judge your money values. If you know what you're doing
8:33
Speaker 2: and you're excited about it, I want you to spend
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Speaker 2: your money on that, as long as it's in an
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Speaker 2: educated way, right. Yeah.
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Speaker 5: I think this comes from my partents when they were
8:42
Speaker 5: working at the same company and the company went bankrupt.
8:45
Speaker 5: So then they want a little bit of a local
8:48
Speaker 5: lottery and they could start their own news agency business.
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Speaker 2: Did they really?
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Speaker 5: You always have the hole?
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Speaker 4: Yes, what are the chances that they won, like a local?
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Speaker 4: How much did they win? Was it a I mean
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Speaker 4: for them to be at a stuf business, I would
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Speaker 4: assume they want a little bit, right.
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Speaker 5: Yeah, what my mom never told me. She really Yeah,
9:06
Speaker 5: she doesn't give exact numbers, but yeah, this gives me
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Speaker 5: hope that people win this.
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Speaker 4: Yeah.
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Speaker 2: I can't believe you know someone who's done that. I
9:14
Speaker 2: was about to say to you, Oh my gosh, if
9:16
Speaker 2: you win, please call us, because we've never met someone
9:18
Speaker 2: who's won the Home Lottery. So what we're calling out
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Speaker 2: now is, if you want the Home Lottery, call me.
9:23
Speaker 2: I want your money to die. Yeah. Okay, Oh my gosh,
9:27
Speaker 2: how good? All right? So really quick question before we
9:31
Speaker 2: go to a quick break is what grade would you
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Speaker 2: give yourself if we forced you to give yourself a
9:35
Speaker 2: money grade?
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Speaker 5: I feel maybe B minus, B minus you reckon? I
9:40
Speaker 5: think I could be investing more. I feel like I
9:43
Speaker 5: make the most of the morney I get, but I
9:45
Speaker 5: could be a bit better.
9:47
Speaker 2: What would it take to be better in your world?
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Speaker 5: Maybe reducing my lottery membership and sometimes I like to
9:57
Speaker 5: buy things for people, budgeting on that well, or when
10:01
Speaker 5: I see something that I like sometimes I also by it.
10:04
Speaker 5: So cutting down on those things.
10:06
Speaker 2: A bit smart? Smart? All right, We have a few questions,
10:10
Speaker 2: but we'll hold off on them until we're back from
10:12
Speaker 2: this really quick break.
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Speaker 4: All right, money, direst, I want to ask you about
10:21
Speaker 4: English being your second language, which you can't even really tell,
10:24
Speaker 4: like your English is incredibly good, but to fail in
10:27
Speaker 4: English tests seven times, and obviously you needed to pass
10:30
Speaker 4: that test to be able to complete your degree, which
10:32
Speaker 4: was really important to you. I being honest, if I
10:36
Speaker 4: failed something seven times, I don't know that I could
10:40
Speaker 4: have the will power to try it again. How did
10:44
Speaker 4: you motivate yourself? Because I think languages are so hard,
10:48
Speaker 4: and English particularly is a language that just makes no sense,
10:52
Speaker 4: Like there are so many little nuances and things that
10:54
Speaker 4: I think for people, even for people who do grow
10:56
Speaker 4: up speaking as their first language, it's really freaking hard.
10:59
Speaker 4: And then someone coming in and learning it as an adult,
11:02
Speaker 4: I can imagine that would be so challenging. How did
11:05
Speaker 4: you manage to go, oh, my gosh, I failed again,
11:09
Speaker 4: Like you would have studied really hard and thought you'd
11:11
Speaker 4: done the best that you could, and then to find
11:13
Speaker 4: out you failed and go, Okay, well guess I'm just
11:17
Speaker 4: going to try again. Especially when your mom was like, oh,
11:19
Speaker 4: maybe it's not worth it. How did you manage to
11:23
Speaker 4: do that?
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Speaker 5: I feel like my mom saying this, it gave me
11:26
Speaker 5: more motivation to try again. So I look for when
11:30
Speaker 5: I fell six times, I look for a really good
11:33
Speaker 5: English school, and I did a preparation again for the exam.
11:37
Speaker 5: And I remember having a child with my mom and
11:40
Speaker 5: my mom said, open your eyes and you might not
11:43
Speaker 5: be able to go on Australian University. You're from Spain,
11:46
Speaker 5: and that gave me the strength to say, yes, I
11:49
Speaker 5: can do this. And I said to myself, I tried
11:52
Speaker 5: just one more time, and that time I got it.
11:55
Speaker 4: Oh my gosh, Oh yes.
11:56
Speaker 2: Queen, try I try and try again. It obviously pays off.
12:01
Speaker 2: I love that so much. I just I agree with you, Jess.
12:05
Speaker 2: I don't think I would have the tenacity to keep
12:07
Speaker 2: going on. I would love to think I would, right,
12:09
Speaker 2: like in a perfect world that's what we all do,
12:12
Speaker 2: but that would wear me down like three times, and
12:14
Speaker 2: I think I'd be like, you know what, this maybe
12:17
Speaker 2: isn't for me. But I'm so proud of you, even
12:19
Speaker 2: though I do not have the deservingness to be proud
12:22
Speaker 2: of you. I just feel like I want to hug
12:24
Speaker 2: you and be like, yes, we did it. We're so
12:26
Speaker 2: lucky to have you.
12:27
Speaker 4: So did you have to pass that test before you
12:30
Speaker 4: started your masters or was it like at a midway
12:33
Speaker 4: point before.
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Speaker 5: So it's a test that you need to get certain
12:37
Speaker 5: scored in breathing, listening, speaking, and I wasn't getting that
12:42
Speaker 5: score in writing over and over.
12:44
Speaker 4: Writing is hard. Yeah, the grammar and stuff, and I've yeah,
12:48
Speaker 4: I totally yet why that is really challenging. How did
12:51
Speaker 4: you find studying a full master's degree in a language
12:56
Speaker 4: that's not your own, because that's crazy again, Like I
13:00
Speaker 4: I couldn't even imagine doing a master's degree, let alone.
13:02
Speaker 4: If you said to me, can you take it in Spanish,
13:04
Speaker 4: I'd be like, poor quere Like, I mean that was
13:09
Speaker 4: good Spanish though, good work for one word. I know.
13:13
Speaker 5: It was definitely challenging and quite draining putting all the
13:17
Speaker 5: mental effort. But at the same time, being in psychology
13:21
Speaker 5: and having a lot of placement, I always thought that
13:24
Speaker 5: emotions are universal, so there was all of this part
13:28
Speaker 5: that had nothing to do with the language, and it
13:30
Speaker 5: was more about connecting with a person. And with all
13:33
Speaker 5: the assessments, I had teachers who could help me as
13:37
Speaker 5: well review my assessments and give me advice, so they
13:41
Speaker 5: were very welcoming. There were a couple of more international
13:44
Speaker 5: students as well.
13:46
Speaker 4: Yeah, Australia has a really high level of international student
13:50
Speaker 4: studying here, which is awesome. Did your university have provisions
13:54
Speaker 4: in place to assist you, like, did you have resources
13:58
Speaker 4: that were available to help with like translation or to
14:01
Speaker 4: help with like any of those little things that might
14:04
Speaker 4: come up that you wouldn't be prepared for while you
14:06
Speaker 4: were studying.
14:07
Speaker 5: Yeah, I believe they had services to help with the
14:10
Speaker 5: writing and taking the assessments. At that time, I had
14:15
Speaker 5: been in Australia for a few years, so I didn't
14:18
Speaker 5: use them that much, but they did have a lot
14:21
Speaker 5: of help.
14:21
Speaker 4: You said before, the goal or your end goal was
14:24
Speaker 4: to spend you know, ten months here and two months
14:27
Speaker 4: back home, which would be amazing. That sounds like an
14:29
Speaker 4: absolute dream if you did that. Would you take those
14:31
Speaker 4: two months as a holiday or would you want to
14:34
Speaker 4: be working over there as a psychologist at the same time.
14:37
Speaker 5: Yeah, that's a good question. I haven't figured out yet,
14:40
Speaker 5: but I think being able to work there it would
14:44
Speaker 5: be great. It's always an open door if I want
14:47
Speaker 5: to stay any longer, or if I want to see
14:50
Speaker 5: clients for a month and then take a month off.
14:53
Speaker 4: Yeah, incredible. How does your mom feel now now that
14:57
Speaker 4: you've completed your degree? She was a little bit dubious
15:00
Speaker 4: at the start, and then obviously you've done it, You've
15:02
Speaker 4: now got a job. Is she I mean, I have
15:05
Speaker 4: no doubt that she would be really proud of you.
15:06
Speaker 4: But does she now kind of go, oh my gosh,
15:09
Speaker 4: you were right.
15:11
Speaker 5: Yes, I think she's very proud, and I don't think
15:14
Speaker 5: her comments before were coming from a bad place. She
15:18
Speaker 5: was more like trying to protect me and.
15:21
Speaker 2: She doesn't want me to struggle.
15:23
Speaker 5: Yeah, so I feel like now she yeah, I have
15:27
Speaker 5: proven her that I could do it, and she feels
15:29
Speaker 5: quite quite proud and talks about me with the friends
15:32
Speaker 5: and everything. So yeah, I think she, Oh, I happy
15:36
Speaker 5: so much.
15:38
Speaker 4: How about your siblings, any of your siblings over here
15:41
Speaker 4: as well or they all still back home.
15:42
Speaker 5: They are back home. They are my older sister, so
15:45
Speaker 5: I'm also like the baby of the family who moved here.
15:49
Speaker 5: But yeah, I like them to visit me more. But
15:53
Speaker 5: a ticket to Australia, just a flying ticket, is like
15:56
Speaker 5: a whole month, the salary of a month in Spain,
16:00
Speaker 5: so it's harsh.
16:01
Speaker 1: Yeah.
16:02
Speaker 4: How is a flight from here to Spain? I feel
16:04
Speaker 4: like that's quite a big trip to make as well.
16:07
Speaker 5: Yeah, it's actually the Antipote. I think it's the name,
16:11
Speaker 5: like the opposite part of the war. Yes, yeah, so
16:15
Speaker 5: there's two flights from here to Barcelona. There's a fourteen
16:19
Speaker 5: hour flight and then a six or seven hour flight,
16:21
Speaker 5: so around like twenty twenty one hours.
16:24
Speaker 4: Yeah, that's a huge so much.
16:26
Speaker 2: That's massive because you don't just get to go direct right, Like,
16:29
Speaker 2: that's so stressful. How often do you get to go
16:32
Speaker 2: home at the moment.
16:33
Speaker 5: I've been quite lucky and prioritizing going there once a year,
16:37
Speaker 5: so I've been there a fair bit.
16:40
Speaker 4: Were you able to travel over COVID as well, or
16:43
Speaker 4: was it a couple of years during that period where
16:45
Speaker 4: you couldn't.
16:46
Speaker 5: No, I went luckily in February twenty twenty before everything started,
16:51
Speaker 5: and then as soon as they opened in Christmas last year.
16:55
Speaker 4: I went, yeah, how do you find I? Sorry, I
16:58
Speaker 4: have a lot of questions because it's something I've like.
17:01
Speaker 4: I love the idea of picking up my life and
17:04
Speaker 4: moving to another country, but I am very risk adverse
17:07
Speaker 4: just as an individual. It's something that I would find
17:10
Speaker 4: really hard. How did you go setting up a support
17:14
Speaker 4: network in some way that you had never been before?
17:17
Speaker 5: Yeah? Well, I just when I landed here in Brisbane,
17:22
Speaker 5: I moved into a shared house, so I made a
17:26
Speaker 5: lot of international friends there, and I also was very
17:29
Speaker 5: lucky got my first job when I could barely speak
17:32
Speaker 5: English in a retail store in my second week here,
17:36
Speaker 5: and I was working with these wonderful girls who were
17:39
Speaker 5: like very friendly, and they were my first friends here
17:43
Speaker 5: in Australia, and I felt really happy and supported to
17:47
Speaker 5: have a group of people here and a group of
17:49
Speaker 5: people in Spain as well.
17:51
Speaker 4: Yeah. Are you still friends with those girls that you
17:53
Speaker 4: lived with when you very first got.
17:55
Speaker 5: Yeah we talk sometimes so. Last year, for example, some
17:59
Speaker 5: of them came to my bad h and you know,
18:01
Speaker 5: we met a long time ago. But yeah, they always
18:04
Speaker 5: have a very special place in my heart.
18:06
Speaker 2: Oh my gosh, Oh my gosh, you are the sweetest
18:08
Speaker 2: human ever. But unfortunately, Jess, I think that's all we
18:11
Speaker 2: have time for today. We've got to let you go,
18:14
Speaker 2: but we'll chat more later. Yeah, yeah, okay, Oh my gosh.
18:17
Speaker 2: Thank you for being on the show. We are always
18:19
Speaker 2: so grateful for our money diarists. It has been a pleasure,
18:23
Speaker 2: my love.
18:23
Speaker 4: Thank you for having me, Jess.
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Speaker 2: Could you wrap the boring but important stuff?
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Speaker 4: Absolutely, don't forget guys. The advice shared on She's on
18:30
Speaker 4: the Money is general in nature and does not consider
18:32
Speaker 4: your individual circumstances. She's on the Money exist purely for
18:36
Speaker 4: educational purposes and should not be relied upon to make
18:38
Speaker 4: an investment or a financial decision. And we promise Victoria
18:42
Speaker 4: divine and She's on the money. Are authorized representatives of
18:45
Speaker 4: Infocused Securities Australia Proprietary Limited ABN four seven oh nine
18:49
Speaker 4: seven seven nine seven oh Fortnite AFSLF two three six
18:53
Speaker 4: five two
18:53
Speaker 2: Three See you're on Wednesday, guys Bye, could