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She Turned a Hobby Into a Serious Side Hustle—And Paid Off $25k! · She's On The Money

• 0:00
  Speaker 1: Hello, my name's Sanatasha Nabananga Bamblet. I'm a proud or
• 0:04
  Speaker 1: the Order Kerni Whaltbury 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
• 0:14
  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 through.
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  Speaker 1: As this podcast is about connecting, empowering, knowledge sharing and
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  Speaker 1: the storytelling of you to make a difference for today
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  Speaker 1: 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 on the Money podcast that
• 1:00
  Speaker 4: lets you be pervy about other people's money habits for
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  Speaker 4: educational purposes of course. Welcome back to Money Diaries, where
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  Speaker 4: we get to talk with one of our incredible She's
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  Speaker 4: on the Money community members all about their journey. So
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  Speaker 4: let's jump straight in because this week I got a
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  Speaker 4: message and it sounded like this, Dear, She's on the Money.
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  Speaker 4: After finishing my degree and landing my first proper job,
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  Speaker 4: life took an unexpected turn when the COVID lockdowns hit
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  Speaker 4: in what felt like no time. I lost my job,
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  Speaker 4: went through a breakup, and moved back in with my parents,
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  Speaker 4: relying on job seeker to get by. Determined to make
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  Speaker 4: the most of my situation, I turned my love of
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  Speaker 4: op shopping into a side hustle. What started as a
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  Speaker 4: small project has grown into a legitimate business. I even
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  Speaker 4: pay tax on it. This hustle allowed me to pay
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  Speaker 4: off my twenty five thousand dollars hec STET in one
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  Speaker 4: lump sum, and I'm now on track to buying my
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  Speaker 4: first home. I hope my story can inspire other side
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  Speaker 4: hush us money diarist. What the hell you just go? Oh,
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  Speaker 4: no worries. I think I'm just gonna turn my little
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  Speaker 4: side hustle of you know, just going off shopping into
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  Speaker 4: a legit business. How does that even happen?
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  Speaker 5: Oh well, it happens over a period of time. Definitely
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  Speaker 5: started during COVID lockdown, as I said in my submission,
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  Speaker 5: and kind of just went from there.
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  Speaker 4: I love that. So let's start the way we always start.
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  Speaker 4: Money direst do I asked you to grade your money
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  Speaker 4: habits from A through to F. What money grade would
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  Speaker 4: you give them?
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  Speaker 5: I would say, At the moment I'm probably sitting pretty
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  Speaker 5: firmly at a b like, I'm pretty happy with how
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  Speaker 5: I manage my money, but there's always room for improvement.
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  Speaker 4: I guess I love that. Alright, let's get into it.
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  Speaker 4: Can you tell me a little bit more about your
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  Speaker 4: money story.
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  Speaker 5: So I grew up very middle class, so my parents
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  Speaker 5: had money, but we didn't have excessive money, and with
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  Speaker 5: that they were able to give my sister and I
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  Speaker 5: a really good childhood. So as a family, we prioritize
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  Speaker 5: spending on things like lifestyle and experiences, so we'd go
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  Speaker 5: on interstate or overseas holidays, spend money on extracurricular activities,
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  Speaker 5: that kind of thing. But we didn't have a lot
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  Speaker 5: of money for things like buying new clothes from the store.
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  Speaker 5: So it was very much like we'd kind of prioritize
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  Speaker 5: what was important to us, which is a really good
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  Speaker 5: lesson to learn as a kid. Definitely, I've taken that
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  Speaker 5: into adulthood. Learned a lot, I guess from my parents
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  Speaker 5: in terms of money and how to prioritize our spending.
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  Speaker 5: And as I said before, I had a really good childhood.
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  Speaker 5: My sister and I got to do a lot of things,
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  Speaker 5: and yeah, we used to do our clothes shopping at Savers.
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  Speaker 4: Which I love Savers. Yeah, I know it's very povl.
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  Speaker 5: Yeah, So when I was younger, I didn't love it.
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  Speaker 5: I kind of was a bit like I'm not sure
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  Speaker 5: if I'm allowed to say brands, but I'm like, why
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  Speaker 5: can't we go to Target, you know, like everyone else does.
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  Speaker 5: And then I think, just as I grew up a
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  Speaker 5: bit more, I started to appreciate it a lot more
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  Speaker 5: and appreciate the treasure hunt of it and find you.
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  Speaker 4: Oh my gosh, exactly. I feel like I went through
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  Speaker 4: that as well, because my mom still Savers Stan, like
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  Speaker 4: the biggest Savers near us recently shut down, and she
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  Speaker 4: was not a happy camper. She was like, what am
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  Speaker 4: I gonna do? Like this is not fair? And I
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  Speaker 4: remember going through a period of time and being like, oh,
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  Speaker 4: why do we have to do this? And then it
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  Speaker 4: was like Mom had reframed it into like we can
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  Speaker 4: like go hunting for like some really cool stuff that
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  Speaker 4: other people won't have, and like we used to I
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  Speaker 4: don't know if you did this, but we used to
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  Speaker 4: look up after like the average price of like what
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  Speaker 4: we'd purchased when we got home and make Dad do
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  Speaker 4: a guessing game and be like, guess how much, Dad,
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  Speaker 4: guess how much and he'd be like, oh, fifteen dollars
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  Speaker 4: and we'd be like nah, nah LEAs least less, Like
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  Speaker 4: it was the best.
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  Speaker 5: I literally do that still with my partner now, so
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  Speaker 5: oh my gosh, me too.
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  Speaker 4: If I get something, I'm like Steve, how much was this?
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  Speaker 4: And You'll be like fifty dollars And I'm like, nah,
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  Speaker 4: you're an idiot, Like you're an idiot. Of course I
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  Speaker 4: didn't spend fifty dollars on that, Like it's actually a
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  Speaker 4: game and if you've never done it, oh the joy,
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  Speaker 4: the joy it brings.
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  Speaker 2: I know.
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  Speaker 5: So yeah, that was pretty much my childhood, I will
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  Speaker 5: say as well for my parents we had in terms
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  Speaker 5: of speaking about money in my household, my parents were
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  Speaker 5: very encouraging with me, so whenever I kind of exhibited
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  Speaker 5: good behaviors with money, like not spending it as soon
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  Speaker 5: as I got it and saving up for something that
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  Speaker 5: I really wanted. I remember when I was like seven
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  Speaker 5: or eight, I really wanted a violin. I don't know
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  Speaker 5: why I did it for like a few months, Oh.
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  Speaker 4: You did play. I was like, this is rigue.
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  Speaker 5: I wanted to play a violin, Like I don't know why.
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  Speaker 5: I don't ask me now, like I have no idea why.
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  Speaker 2: But back then I was like I.
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  Speaker 4: Went through the flute stage. It's okay, exactly.
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  Speaker 5: We all, you know, we all have those kind of stages.
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  Speaker 5: So my parents, you know, were very much like encouraging
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  Speaker 5: me to save and reinforcing that kind of identity of like, well,
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  Speaker 5: you work hard for what you want, you're saving. So yeah,
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  Speaker 5: I ended up buying that violin and it was like
• 6:01
  Speaker 5: one hundred and something dollars, which is a lot to
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  Speaker 5: say when you're that age.
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  Speaker 4: Oh one hundred percent. Did your parents end up helping
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  Speaker 4: you out in any way or did they go, nah,
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  Speaker 4: you've got to do the whole thing yourself.
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  Speaker 5: I'm sure they did, but like it wasn't like I
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  Speaker 5: said I wanted it and then they bought it for me.
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  Speaker 5: It was very much like I think I started saving
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  Speaker 5: pocket money or birthday money or something and like accruing
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  Speaker 5: that and then they probably helped me with the last bit.
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  Speaker 5: So it was very much like reinforcing this identity when
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  Speaker 5: I was young, that like I'm good with money, and
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  Speaker 5: that's carried on into adulthood. I think for me, which
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  Speaker 5: I guess like I don't have kids myself, but for
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  Speaker 5: people with kids, I think that's very important to start young,
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  Speaker 5: like reinforcing those good behaviors.
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  Speaker 4: Was that your first big purchase.
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  Speaker 5: I would say, so, I can't remember anything else being
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  Speaker 5: that expensive at that age.
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  Speaker 2: Probably yeah, for.
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  Speaker 4: Myself, and like memorable, right, membya exactly.
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  Speaker 5: And the funny thing is, like I said before, once
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  Speaker 5: I got it, probably like went to lessons for a
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  Speaker 5: term or something, and then that was it.
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  Speaker 4: You were done. You're like, this is actually really hard.
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  Speaker 5: This isn't for me, Like it's very noisy and it's
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  Speaker 5: kind of difficult to play it well. But yeah, I
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  Speaker 5: think from that point onwards at least a kind of
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  Speaker 5: rather than me getting a violin and getting to do,
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  Speaker 5: you know, all the cool stuff that I wanted to do,
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  Speaker 5: like learn how to play on it, it was more
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  Speaker 5: a lesson in terms of, like, well, if I want
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  Speaker 5: something that's you know, a bit pricey, I can save
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  Speaker 5: up and be patient and get it.
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  Speaker 4: That's so cool though. I also really love that your
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  Speaker 4: parents were so supportive given listening to kids practice violin
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  Speaker 4: sounds awful, Like I'm one hundred percent you know, unless
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  Speaker 4: you are a child prodigy, which most of us are not. Like,
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  Speaker 4: I can't imagine that being an enjoyable experience for anybody.
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  Speaker 4: Like your parents really did one for the team there.
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  Speaker 5: I rate it very supportive. Yeah, they were both great.
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  Speaker 5: They are both great, sorry I should say, and yeah,
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  Speaker 5: they're boths. So my mom, for example, she moved to
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  Speaker 5: Australia with her first husband and he unfortunately passed away.
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  Speaker 5: Oh yeah, when I think they were both around twenty
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  Speaker 5: eight years old. So my mom had my half brother
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  Speaker 5: and from that point on she basically was able to
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  Speaker 5: you know, get a house by yourself here, get a mortgage,
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  Speaker 5: working by yourself in a like foreign country. So she's
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  Speaker 5: set a very good example of being able to work
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  Speaker 5: for the things that you want.
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  Speaker 4: Can you imagine how stressful that would have been, like
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  Speaker 4: coming to a foreign country as an immigrant and then
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  Speaker 4: your husband passes away? Like I need her money story
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  Speaker 4: as well.
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  Speaker 5: Yeah I know, I know so, but yeah, it's like,
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  Speaker 5: just set a very good example for me at being
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  Speaker 5: pragmatic I guess with my money and taking a careful approach,
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  Speaker 5: but trusting yourself.
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  Speaker 4: I love that. So tell me how that impacts you
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  Speaker 4: now as an adult, like what does money look like today?
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  Speaker 5: So for me at the moment, I think secure is
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  Speaker 5: the keyword. Like I definitely agree with the term like
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  Speaker 5: money doesn't buy happiness, but I think it buys you security. Yeah,
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  Speaker 5: So for me, I think my relationship with money as
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  Speaker 5: an adult is very much like tied to feeling secure
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  Speaker 5: with it. And I like to have a good buffer
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  Speaker 5: for myself for you know, anything, because I always think
• 9:25
  Speaker 5: like what could happen? Like you don't want to be dramatic,
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  Speaker 5: but you also think worst case scenario, like especially after
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  Speaker 5: we've been through COVID and everything, like what if I
• 9:34
  Speaker 5: lose my job? What if I can't pay my bills?
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  Speaker 5: I like to be organized just in case any of
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  Speaker 5: that happens. So I've got a very big emergency fund.
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  Speaker 4: I need to know. I need to know what does
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  Speaker 4: a very big emergency fund look like? Because you are
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  Speaker 4: twenty nine years old, and I feel like it's always different,
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  Speaker 4: Like people ask me this question all the time, like Vie,
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  Speaker 4: how much do I need in an emergency fund? And
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  Speaker 4: like there's no answer. I always like fall back to
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  Speaker 4: the default, like Okay, have you calculated like three months
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  Speaker 4: worth of expenses? I'd work towards that tell me how
• 10:05
  Speaker 4: you worked out what you're comfy within your emergency fund.
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  Speaker 5: I did look at the three months of expenses, which
• 10:12
  Speaker 5: I guess yourself and other podcasts talk about, but I
• 10:16
  Speaker 5: guess from there because I kind of when I hit that,
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  Speaker 5: I just kind of kept on letting it keep a
• 10:21
  Speaker 5: cruing rather than transferring it out of that account. So
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  Speaker 5: I think I'm somewhere. I'd say a bit over fifteen
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  Speaker 5: thousand at the moment.
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  Speaker 4: And how far would that get you? Like if tomorrow
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  Speaker 4: you unfortunately lost your role, would that get you through
• 10:37
  Speaker 4: three months? Six months? Like what do you think? That
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  Speaker 4: looks like?
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  Speaker 5: Oh, definitely several months, I think as well. The other
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  Speaker 5: thing is like if I really had to, like I've
• 10:45
  Speaker 5: talked to my parents before just for like you know,
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  Speaker 5: peace of mind, Like I can move back in with
• 10:50
  Speaker 5: my parents if that ever had to happen.
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  Speaker 2: But like, obviously I would prefer not to have to
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  Speaker 2: do that.
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  Speaker 4: Of course, of course, I feel like we all do that,
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  Speaker 4: and like it's an absolute right, like I do not
• 11:01
  Speaker 4: for a second take for granted that you know, I
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  Speaker 4: have a relationship with my parents where I would be
• 11:06
  Speaker 4: welcome home, right, But I'm thirty three, I have a baby,
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  Speaker 4: I have a husband, I have my own mortgages, and
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  Speaker 4: I'm still like, so if I wanted to move home,
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  Speaker 4: could I move home? Mom and dad are like, yeah, okay, cool.
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  Speaker 4: I just want to know. Thanks, And Mom's like, wait,
• 11:18
  Speaker 4: would you ever move home? I'm like, nah, never, never.
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  Speaker 4: I just want to know that that option is there,
• 11:23
  Speaker 4: and like it's totally a privilege, right, And a lot
• 11:26
  Speaker 4: of people will be like, oh, well, at least you
• 11:28
  Speaker 4: could move home. You're right, at least I could. Like,
• 11:30
  Speaker 4: I am so privileged to be in that position, and
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  Speaker 4: I think that that has like sat with me and
• 11:36
  Speaker 4: let me make and I don't know if you're like this,
• 11:38
  Speaker 4: but let me make some riskier decisions knowing that I
• 11:40
  Speaker 4: do have that to fall back on. Whereas I have
• 11:44
  Speaker 4: some friends who are not in that situation, and I've
• 11:46
  Speaker 4: always said to them like, hey, I know you're not
• 11:49
  Speaker 4: in the same situation, like you let me know if
• 11:52
  Speaker 4: you need anything. I've got a spare room, like I
• 11:54
  Speaker 4: can always be that landing place. And I think that
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  Speaker 4: I've just become that friend. My husband says that Victoria
• 12:00
  Speaker 4: is always collecting strays, and I kind of love it
• 12:04
  Speaker 4: so like, I understand the privilege of being able to
• 12:07
  Speaker 4: quote go home, but I also want to be able
• 12:09
  Speaker 4: to extend that so that, like, none of my friends
• 12:12
  Speaker 4: feel like they don't have a safe landing place. I've
• 12:16
  Speaker 4: just been thinking about this a lot recently. Do you
• 12:18
  Speaker 4: find that has infiltrated the way that you interact with
• 12:21
  Speaker 4: your friends and your family members and like partners and
• 12:24
  Speaker 4: stuff like that where you've got a safe landing pad
• 12:27
  Speaker 4: to kind of extend that out or is it something
• 12:29
  Speaker 4: you've never thought about or like, I don't know, I
• 12:31
  Speaker 4: just feel like it's so common.
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  Speaker 5: Yeah. No, I think that's really important, and it is
• 12:38
  Speaker 5: something that I'm very lucky, I guess to know that
• 12:40
  Speaker 5: I have there as an option if.
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  Speaker 2: Anything like that happens.
• 12:44
  Speaker 5: I think I would like to also be that in
• 12:47
  Speaker 5: the future for other people. So I guess, yeah, that's
• 12:50
  Speaker 5: something I can, you know, work towards when I get
• 12:52
  Speaker 5: my own house, hopefully sometime soon you will.
• 12:56
  Speaker 4: You will let's learn more about it, all right. I
• 12:58
  Speaker 4: want to know. Tell me what you do for work
• 13:00
  Speaker 4: and how much money you earn.
• 13:01
  Speaker 5: I currently have a government job. I've been working for
• 13:04
  Speaker 5: a government for I think roughly four years. Now and
• 13:08
  Speaker 5: I'm earning about ninety five K years.
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  Speaker 4: Ooh, that's pretty good at twenty nine Yeah. Tell me,
• 13:16
  Speaker 4: is that including super.
• 13:17
  Speaker 2: No, that's not including super Souper's on top of that.
• 13:19
  Speaker 4: Oh okay, so like your total package is over one
• 13:21
  Speaker 4: hundred and grand. Yeah, yeah, that's very sexy. I like it.
• 13:25
  Speaker 4: She's earning six figures. Tell me a little bit more.
• 13:28
  Speaker 4: I want to know what are your big money goals.
• 13:30
  Speaker 4: You've mentioned a couple of times, like you want to
• 13:32
  Speaker 4: buy your first home, so I'm assuming that might be
• 13:34
  Speaker 4: on the list, but like, what are your big money goals?
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  Speaker 4: What are we working towards?
• 13:38
  Speaker 5: For me, I would really like to get a bit
• 13:40
  Speaker 5: more into investments. So I do have a raise account
• 13:43
  Speaker 5: at the moment, but I'd like to start investing a
• 13:46
  Speaker 5: bit more into the share market. Like the raise was
• 13:48
  Speaker 5: definitely it's been really good to do so far and
• 13:51
  Speaker 5: to watch how it grows, and I think that was
• 13:54
  Speaker 5: me getting comfortable with investing a bit more. But I've
• 13:57
  Speaker 5: kind of hit this point now with Rays where I'd
• 14:00
  Speaker 5: like to move into the next step. But I feel
• 14:02
  Speaker 5: like I've been getting a little bit of analysis paralysis
• 14:05
  Speaker 5: with it. So I start looking at different. I guess
• 14:08
  Speaker 5: platforms to invest and start listening to podcast episodes, and
• 14:13
  Speaker 5: then I get a little bit maybe overwhelmed at the moment, so.
• 14:17
  Speaker 4: Oh, I get it. Analysis paralysis is truly the worst.
• 14:20
  Speaker 4: And why is it?
• 14:22
  Speaker 2: Us?
• 14:22
  Speaker 4: As women? We are always like, oh, that looks really good,
• 14:25
  Speaker 4: but I might go to bed now and I'll have
• 14:27
  Speaker 4: another look tomorrow. And then for some reason, you wake
• 14:29
  Speaker 4: up tomorrow and you've lost all your confidence and it
• 14:31
  Speaker 4: feels like you have to start your research again. And
• 14:32
  Speaker 4: so you start your research again and you come to
• 14:34
  Speaker 4: a similar conclusion. But then you're like, surely there are
• 14:37
  Speaker 4: other options out there, and like I don't want to
• 14:39
  Speaker 4: make the wrong decision, and so you just keep putting
• 14:41
  Speaker 4: it off and off. I often refer to the micro
• 14:44
  Speaker 4: investing platforms as like the gateway drug of the investing world,
• 14:48
  Speaker 4: because like it's easy to get you on them, it's
• 14:51
  Speaker 4: really easy to get you comfy with it, and then
• 14:53
  Speaker 4: you look for more, and like that's kind of what
• 14:55
  Speaker 4: I want to do to you in the investing world.
• 14:58
  Speaker 4: I want you to go, oh, that's actually not so bad.
• 15:00
  Speaker 4: Are you saying that I could have like a proper
• 15:02
  Speaker 4: investing platform, Because sometimes it's a little bit too hard
• 15:06
  Speaker 4: to like go straight in boots and all. So tell
• 15:09
  Speaker 4: me when did you go, Oh, this isn't too bad.
• 15:13
  Speaker 4: I want to move from microinvesting to like bigger investing.
• 15:17
  Speaker 5: I think a couple of months ago, so I've been saving. Obviously,
• 15:20
  Speaker 5: I mentioned before about buying a house. I'm looking at
• 15:24
  Speaker 5: buying one with my partner, and that would be my
• 15:26
  Speaker 5: other big money goal at the moment. But I think
• 15:29
  Speaker 5: when I got to a certain point where we've got
• 15:32
  Speaker 5: our twenty percent, you know, and a little bit extra,
• 15:35
  Speaker 5: and we're just more at the moment looking for the
• 15:37
  Speaker 5: right house rather than getting that deposit saved up. I
• 15:41
  Speaker 5: think now I'm looking at, hopefully in the next couple
• 15:44
  Speaker 5: of months, like starting that I guess more big girl investing.
• 15:48
  Speaker 4: Oh I love that. All right, let's go to a
• 15:50
  Speaker 4: really quick break, because I was about to ask you
• 15:53
  Speaker 4: a whole heap of questions about like your home buying journey,
• 15:55
  Speaker 4: but I think I'm going to save them for after this,
• 15:57
  Speaker 4: so guys, stick around, Money Divester. We are back, and
• 16:05
  Speaker 4: I had to put a little break in there because
• 16:07
  Speaker 4: I was like, we need to get a little coffee,
• 16:09
  Speaker 4: We need to have a break. But Also, I want
• 16:11
  Speaker 4: to know tell me about this home buying journey you
• 16:13
  Speaker 4: mentioned in your diary in like, hey they when COVID
• 16:16
  Speaker 4: Lockdown's hit, like lost my job, went through a breakup,
• 16:18
  Speaker 4: did all of this stuff. But in this episode you've
• 16:21
  Speaker 4: mentioned that you have a partner, So tell me about
• 16:23
  Speaker 4: that situation. How did you meet first? Because I love
• 16:27
  Speaker 4: a love story and what does that look like because
• 16:29
  Speaker 4: you're now trying to purchase property together.
• 16:31
  Speaker 5: I've actually known my partner since we were probably thirteen
• 16:35
  Speaker 5: or so years old.
• 16:36
  Speaker 4: I'm so glad I asked I love love.
• 16:38
  Speaker 5: We used to get the train together to school, and
• 16:42
  Speaker 5: I've been friends with them for a very long time.
• 16:45
  Speaker 5: During COVID Lockdown, we started hanging out a little bit
• 16:49
  Speaker 5: more and one of my friends and I moved out
• 16:52
  Speaker 5: out of home during COVID, so rented a place and
• 16:56
  Speaker 5: he helped us move house because he's friends with both
• 16:59
  Speaker 5: of us. And we said, hey, there's a third room.
• 17:02
  Speaker 5: Would you like to move into that room? So he did,
• 17:04
  Speaker 5: and Yeah, from that point onwards, we kind of started dating.
• 17:08
  Speaker 4: That's actually so funny. You were like, ah, I've moved
• 17:12
  Speaker 4: a potential boyfriend in That could have ended so badly.
• 17:15
  Speaker 4: Like you've probably thought about this, but that could have
• 17:17
  Speaker 4: ended not so great.
• 17:19
  Speaker 5: Yeah, it was like it was definitely a bit of
• 17:21
  Speaker 5: a slow process from going from being friends to in
• 17:24
  Speaker 5: a relationship. It was over a period of time. But
• 17:28
  Speaker 5: we've gotten to this point now, which is great. Like
• 17:31
  Speaker 5: we're looking for a house. We're both very I think
• 17:34
  Speaker 5: we're very on the same page with money, which is
• 17:36
  Speaker 5: really important something that I've learned, I guess over the years.
• 17:39
  Speaker 5: So we're both saving probably a very similar amount. We're
• 17:42
  Speaker 5: on a very similar amount both looking and kind of
• 17:45
  Speaker 5: refining what kind of houses we want to buy.
• 17:48
  Speaker 4: Yeah, that's really fun. I need to know more about
• 17:49
  Speaker 4: this love story though. Tell me about the housemate. When
• 17:52
  Speaker 4: did they work out that his housemates were dating, because
• 17:54
  Speaker 4: that could have been.
• 17:55
  Speaker 5: Weird her housemates were dating her housemates. I think a
• 17:59
  Speaker 5: couple of months maybe. Yeah, we kept things a bit quiet,
• 18:05
  Speaker 5: but it's kind of hard when we're in lockdown and
• 18:08
  Speaker 5: you all live together. So yeah, happened relatively quickly at that.
• 18:13
  Speaker 4: That wint actually so funny. So is this something obviously
• 18:17
  Speaker 4: you've known each other since you were thirteen? Is this
• 18:19
  Speaker 4: something that when you started to tell like friends and family,
• 18:22
  Speaker 4: they were like, of course or was this something that
• 18:26
  Speaker 4: you were like, you know, I'm telling you now, And
• 18:28
  Speaker 4: they were completely shocked, because I feel like these like
• 18:31
  Speaker 4: romances where you were thirteen and you like hung out together,
• 18:35
  Speaker 4: caught the train, a feeling like you might have been
• 18:37
  Speaker 4: really oblivious to the fact that he was in love
• 18:39
  Speaker 4: with you the whole time.
• 18:40
  Speaker 5: Oh, he definitely wasn't, And I didn't feel that way
• 18:43
  Speaker 5: for him at all. We were very different. So growing up,
• 18:47
  Speaker 5: like if you stole photos of us in year seven,
• 18:50
  Speaker 5: I would have been like, because you know, girls obviously
• 18:53
  Speaker 5: grow quicker, I would have been like my height in
• 18:55
  Speaker 5: year seven, like five foot eight, he was very fine.
• 18:59
  Speaker 4: Eight seven, Oh my gosh, I was so teeny timey.
• 19:03
  Speaker 5: And he is definitely a late developer. And yeah, we
• 19:07
  Speaker 5: were just like friends, Like we weren't even that great
• 19:10
  Speaker 5: friends in school. I would say like, oh, just knew
• 19:13
  Speaker 5: each other from getting the train and like, you know,
• 19:15
  Speaker 5: you kind of sit in the same.
• 19:16
  Speaker 2: Group because we were all going to the same station.
• 19:19
  Speaker 5: And then as we got older, like just you know,
• 19:22
  Speaker 5: in the same friendship group. So we were friends, but
• 19:25
  Speaker 5: it wasn't really until COVID lockdown. We lived in the
• 19:28
  Speaker 5: same suburbs, so we were within our five k radius
• 19:31
  Speaker 5: to like go for walks and stuff.
• 19:33
  Speaker 4: Yeah, okay, it kind of like forced you together exactly. Yeah, okay,
• 19:37
  Speaker 4: I like it.
• 19:37
  Speaker 5: Yeah, that was at a point where we were probably
• 19:40
  Speaker 5: we'd kind of grown up and developed a little bit more,
• 19:43
  Speaker 5: and our personalities were more like how they're going to be,
• 19:47
  Speaker 5: if that makes sense.
• 19:48
  Speaker 4: That makes so much sense. So I met my husband
• 19:51
  Speaker 4: in like my mid twenties, right, And I remember a
• 19:54
  Speaker 4: couple of years ago saying to my husband like, oh
• 19:57
  Speaker 4: my god, like, would we have dated if we went
• 19:59
  Speaker 4: to the same school, And then we saw photos of
• 20:03
  Speaker 4: each other and we're both like absolutely not. Like I
• 20:07
  Speaker 4: looked in grade seven like everyone I don't now, sadly,
• 20:10
  Speaker 4: I wish people still said this about me, but I
• 20:12
  Speaker 4: just looked so young, So like in grade seven you
• 20:14
  Speaker 4: would have been like not sure if she's in grade
• 20:16
  Speaker 4: four or grade seven, And in grade ten, I was
• 20:18
  Speaker 4: like trying to be really cool, but I looked like
• 20:20
  Speaker 4: her grade seven. Like I just looked so young throughout
• 20:24
  Speaker 4: the whole process. And then there was my husband who
• 20:26
  Speaker 4: thought he was like a skater boy, Like, oh, just
• 20:30
  Speaker 4: way back then, it wasn't gonna happen. We needed to
• 20:32
  Speaker 4: mature and become ourselves and now obviously inseparable, but like, nah,
• 20:36
  Speaker 4: we wouldn't have dated like those people that are like, yeah,
• 20:39
  Speaker 4: we've been together since we were like twelve. I'm like,
• 20:42
  Speaker 4: how you would have been completely different people.
• 20:46
  Speaker 2: I know.
• 20:47
  Speaker 5: Yeah, So it worked out so great. It was definitely
• 20:50
  Speaker 5: not the plan when we invited him to move in
• 20:52
  Speaker 5: with us. It was like a short term thing.
• 20:54
  Speaker 4: We were like, we need a housemate, cheaper rent money.
• 20:57
  Speaker 2: Win exactly.
• 20:58
  Speaker 4: Yeah, we've got a spare room and you're a nice dude,
• 21:01
  Speaker 4: yeah exactly, And Sadie was a really nice dude. All right,
• 21:05
  Speaker 4: tell me a bit more. So I want to know
• 21:07
  Speaker 4: more about this home buying journey because so many people
• 21:09
  Speaker 4: in our community are on this. You earn ninety five
• 21:12
  Speaker 4: thousand plus super, which is a really nice amount of money.
• 21:14
  Speaker 4: Can I be pervy? What on average is your partner earning?
• 21:17
  Speaker 2: I think he's a little bit more than me, so
• 21:20
  Speaker 2: I think he's probably probably just entering the six figures.
• 21:24
  Speaker 4: Let's say, yeah, okay, so let's just say semi equal,
• 21:28
  Speaker 4: semi equal, like give or take. How did you decide
• 21:31
  Speaker 4: what type of budget the two of you had for
• 21:34
  Speaker 4: property because I feel like, you know, it's an interesting
• 21:37
  Speaker 4: conversation to go, oh, well, we should just buy a
• 21:39
  Speaker 4: three hundred thousand dollar house because it's well within our means.
• 21:43
  Speaker 4: Or are you maxing out like what you can borrow? Like,
• 21:46
  Speaker 4: tell me a bit more about that decision making process.
• 21:49
  Speaker 5: We definitely don't want to max out what we can borrow.
• 21:51
  Speaker 5: We're both, I think a little bit more on the
• 21:53
  Speaker 5: conservative side. So we've been looking because you know, looking
• 21:58
  Speaker 5: at house prices at the moment. I know, so they're
• 22:00
  Speaker 5: technically they're going down, but they're still quite high. So
• 22:04
  Speaker 5: we've been looking around. I think we're looking at about
• 22:06
  Speaker 5: that eight to eight point fifty mark, seeing what there
• 22:09
  Speaker 5: is out there.
• 22:10
  Speaker 4: Hey, eight fifty is going to get you a nice place, though.
• 22:13
  Speaker 5: I know, fingers crossed, and we have gone to a
• 22:16
  Speaker 5: couple of options. We bid at one so far we
• 22:19
  Speaker 5: didn't get that one, but I think it's all a
• 22:20
  Speaker 5: good experience.
• 22:21
  Speaker 4: How did that feel, not winning at an auction you're
• 22:24
  Speaker 4: bidding at, because like just even putting your little paddle
• 22:26
  Speaker 4: up and bidding, Oh, I felt sick the first time
• 22:29
  Speaker 4: I did it.
• 22:29
  Speaker 5: I know, it was quite stressful. I was actually really
• 22:32
  Speaker 5: proud of myself for doing it because I was like
• 22:34
  Speaker 5: talking to the like we had the real estate agent,
• 22:36
  Speaker 5: one of them come and stand with us, and he
• 22:38
  Speaker 5: had like his little clipboard and was like showing me
• 22:41
  Speaker 5: the prices and stuff, and like, I was really proud
• 22:44
  Speaker 5: of myself for like kind of taking that on and
• 22:46
  Speaker 5: being like yep, okay, we're going to do this and
• 22:49
  Speaker 5: oh no, we're going to hold back and stand back there.
• 22:51
  Speaker 5: My partner and I were very much on the same
• 22:53
  Speaker 5: page going into that.
• 22:54
  Speaker 4: So and you had like a max out like if
• 22:56
  Speaker 4: it goes over this, we're just not playing ball anymore.
• 22:59
  Speaker 5: Exactly, and like you know, we were kind of like
• 23:01
  Speaker 5: he was doing like little gestures to me to like,
• 23:03
  Speaker 5: you know.
• 23:03
  Speaker 2: Slow down, like hold it there, wait there.
• 23:06
  Speaker 4: Aha, I love this a little negotiating.
• 23:08
  Speaker 5: Yeah, So the auction process is definitely quite stressful, but
• 23:13
  Speaker 5: at the same time, I think it was a good experience,
• 23:15
  Speaker 5: and we did go into it knowing. I think you
• 23:18
  Speaker 5: got to go into it knowing that there's a good
• 23:20
  Speaker 5: chance that you know, you might be out bid.
• 23:22
  Speaker 2: Yeah.
• 23:23
  Speaker 4: See, I have a very similar experience. I was bidding
• 23:26
  Speaker 4: out an auction a couple of years ago for a
• 23:29
  Speaker 4: property that we obviously really wanted to own. But I'm
• 23:32
  Speaker 4: a bit de lulu, which you probably already know, so
• 23:34
  Speaker 4: like I'd already taken a photo of myself with the
• 23:37
  Speaker 4: like for sale sign out the front of the house
• 23:39
  Speaker 4: a couple of weeks before it went to auction, and
• 23:42
  Speaker 4: I had superimposed a sold sticker on it, like I
• 23:45
  Speaker 4: was manifesting so hard. It is so different going to
• 23:49
  Speaker 4: an option and bidding for yourselves, because as a financial advisor,
• 23:53
  Speaker 4: I used to have clients who were like, oh, I'm
• 23:55
  Speaker 4: not confident, Like I'm really worried, and I'd be like, mate,
• 23:57
  Speaker 4: I'll go bid for you at this auction. That's fine.
• 23:59
  Speaker 4: I'm so confident because I know my numbers and I
• 24:01
  Speaker 4: know how to speak well, and like, you know, I'm
• 24:03
  Speaker 4: quite assertive. That all went out the window the second
• 24:07
  Speaker 4: I was bidding in an auction for myself, I was
• 24:09
  Speaker 4: like shaky and scared and like it was actually insane.
• 24:12
  Speaker 4: My husband took over and like, sorry, have you met me?
• 24:16
  Speaker 4: Like my husband to take over talking for me. Anyway,
• 24:19
  Speaker 4: we didn't win that, which ultimately i'm very glad for.
• 24:22
  Speaker 4: I thought my heart was set on it, but I'm
• 24:24
  Speaker 4: genuinely a believer that when you lose it an option,
• 24:26
  Speaker 4: it's because something better is coming, like something more aligned
• 24:30
  Speaker 4: is coming your way. Because that's exactly what happened for us.
• 24:33
  Speaker 4: I remember just being so heartbroken and being like, we're
• 24:36
  Speaker 4: never going to get the house of our dreams, and
• 24:38
  Speaker 4: then all of a sudden it turns up and I'm like, oh, well,
• 24:40
  Speaker 4: that's what I was waiting for. Isn't it so easy?
• 24:42
  Speaker 4: In hindsight though, hey.
• 24:44
  Speaker 5: Yeah, And you have those thoughts definitely at the end
• 24:46
  Speaker 5: of an auction, like, oh, this isn't going to happen
• 24:48
  Speaker 5: for us, This is too hard, the prices are too high.
• 24:51
  Speaker 5: But I think I've been looking at what's sold recently
• 24:55
  Speaker 5: in the areas that we're looking, and you know, I'm realistic.
• 24:58
  Speaker 5: I'm like, it is possible to get in. It might
• 25:01
  Speaker 5: not be the perfect place, but it might be the
• 25:03
  Speaker 5: perfect place for us.
• 25:05
  Speaker 1: No.
• 25:05
  Speaker 4: I love that. So tell me a bit more. You
• 25:07
  Speaker 4: mentioned that you're micro investing right now. Do you have
• 25:10
  Speaker 4: any other investments?
• 25:11
  Speaker 5: So in my race, I've got about five thousand in
• 25:14
  Speaker 5: there at the moment, and I'm putting fifty dollars a
• 25:17
  Speaker 5: fortnight in there. Definitely, when I start doing my Big
• 25:20
  Speaker 5: Girl Investing, want to do a little bit more than that.
• 25:23
  Speaker 5: And then my Super I just checked it the other day.
• 25:25
  Speaker 5: I don't know why I always get locked out of
• 25:27
  Speaker 5: my Super account.
• 25:28
  Speaker 4: Because you forget your password or something.
• 25:30
  Speaker 2: Every time, because like you don't need it that often.
• 25:33
  Speaker 5: So when you do, like I always forget it, always
• 25:36
  Speaker 5: have to go through the whole like resetting everything.
• 25:38
  Speaker 4: That's me logging into my GUV every time. They're like,
• 25:42
  Speaker 4: what's you use the name? And I'm like, I don't
• 25:43
  Speaker 4: know my user name. Why can't it just be my
• 25:46
  Speaker 4: email address?
• 25:48
  Speaker 5: So I'm super from when I last checked it had
• 25:52
  Speaker 5: just clocked over fifty thousand dollars, which.
• 25:54
  Speaker 4: I was really happy with.
• 25:55
  Speaker 5: Yeah, especially I think in the last few years working
• 25:59
  Speaker 5: for government, it's gone up heaps. Before that, I felt
• 26:02
  Speaker 5: like I was quite behind in Super. So yeah, that
• 26:05
  Speaker 5: was very nice to see. And I think I have
• 26:08
  Speaker 5: like one hundred dollars in crypto. I don't know my
• 26:12
  Speaker 5: login for that because that was years ago. I put
• 26:14
  Speaker 5: that in there, Like it definitely wasn't anything cool like bitcoin.
• 26:18
  Speaker 5: It was like, I don't know, someone told me to
• 26:20
  Speaker 5: buy something, or rather I can't remember even what I bought.
• 26:23
  Speaker 2: I've just kind of given up on that.
• 26:26
  Speaker 4: We all know that crypto is really risky and whatnot.
• 26:29
  Speaker 4: But back in the day, I had a boyfriend who
• 26:32
  Speaker 4: bought crypto, and I just remember being like, your loser.
• 26:35
  Speaker 4: Obviously it didn't work out. I didn't marry him. It
• 26:37
  Speaker 4: wasn't my current husband, unfortunately, because he's made like nearly
• 26:42
  Speaker 4: a million bucks. Like last I heard like he'd cashed
• 26:45
  Speaker 4: his bitcoin out or whatever it was a couple of
• 26:47
  Speaker 4: years ago at like eight hundred grand, and I remember
• 26:49
  Speaker 4: being like, well, that serves me right.
• 26:52
  Speaker 2: I know.
• 26:53
  Speaker 5: It's yeah, it's definitely a little bit of the wild
• 26:56
  Speaker 5: West for me. Like I don't really understand it. Like
• 26:58
  Speaker 5: I've tried watching VID and I just can't really get
• 27:02
  Speaker 5: into it. So I'm happy just using I guess mainstream investing.
• 27:06
  Speaker 4: Yeah, let's go with something favanilla. I feel like the
• 27:09
  Speaker 4: risk of it it outweighs the benefit. Like this is
• 27:12
  Speaker 4: way back in like I don't know if you know
• 27:14
  Speaker 4: I've read it, but like way back in the day,
• 27:17
  Speaker 4: he would like trill Reddit and this was like before
• 27:19
  Speaker 4: it was even in the media being talked about, and
• 27:21
  Speaker 4: I was just like your de Lulu. But Okay, turns
• 27:25
  Speaker 4: out he was definitely onto something and I should have
• 27:28
  Speaker 4: just copied him because I think he turned like maybe
• 27:30
  Speaker 4: five hundred dollars into eight hundred thousand dollars like wild,
• 27:33
  Speaker 4: and you can't do that anymore, Like that's not replicable.
• 27:36
  Speaker 4: So anyone who's listening, like, don't think, oh, I can
• 27:38
  Speaker 4: go buy bitcoin because it's insane. I think a bitcoin
• 27:40
  Speaker 4: nowadays is worth more than one hundred thousand dollars, Like
• 27:43
  Speaker 4: you can't just buy one. But yolo, anyway, tell me
• 27:46
  Speaker 4: a bit more about debt. Do you have any debt?
• 27:49
  Speaker 4: Have you ever been in debt?
• 27:51
  Speaker 5: So the only debt that I've ever had is my
• 27:54
  Speaker 5: hex debt. I'm just like thinking back to make sure
• 27:56
  Speaker 5: that I'm not missing anything, but no, I think it's
• 27:58
  Speaker 5: just literally been my hectead that got up to like
• 28:02
  Speaker 5: twenty five K, and it was probably a little bit
• 28:05
  Speaker 5: higher than it should have been for my degree because
• 28:08
  Speaker 5: I did jump around degrees a couple of times.
• 28:11
  Speaker 4: I mean, twenty five grand is not that bad had
• 28:13
  Speaker 4: given you jumped around degrees a little bit.
• 28:15
  Speaker 5: Yeah, especially in the start, like I think I did
• 28:17
  Speaker 5: one where I pulled out before the census date, so
• 28:21
  Speaker 5: I didn't get charged for those classes, which is good.
• 28:23
  Speaker 5: And then I did like a couple of because I
• 28:26
  Speaker 5: was like, oh, I want to be a lawyer, you know,
• 28:29
  Speaker 5: did law for six months and then was like, ah,
• 28:31
  Speaker 5: not for me, that's fair. And those classes were expensive,
• 28:35
  Speaker 5: so like, yeah, I can just imagine how much a
• 28:37
  Speaker 5: whole law degree would be. But so it was about
• 28:40
  Speaker 5: twenty five K. And this is where during lockdown when
• 28:43
  Speaker 5: I started doing my side hustle.
• 28:45
  Speaker 4: I was about to say, but we don't have that
• 28:47
  Speaker 4: date anymore, tell me why, but you've segued into it yourself.
• 28:50
  Speaker 2: Yeah.
• 28:51
  Speaker 5: So basically started doing my like op shopping side hustle
• 28:56
  Speaker 5: during COVID, And it started very organically. It wasn't like
• 28:59
  Speaker 5: a conscious decision of like I'm going to do this,
• 29:01
  Speaker 5: I'm going to make money, I'm going to pay off
• 29:03
  Speaker 5: my hex step. It just started like I don't know
• 29:06
  Speaker 5: if you remember, during one of the lockdowns, you were
• 29:08
  Speaker 5: allowed to go into stores, like you could go into
• 29:10
  Speaker 5: clothing stores and you could go into op shops and stuff,
• 29:13
  Speaker 5: but you couldn't try things on Oh yeah, yeah, so
• 29:16
  Speaker 5: that's how it started for me.
• 29:18
  Speaker 4: Honestly, I've just blocked out so much of this.
• 29:21
  Speaker 2: I've just I know just like trauma.
• 29:23
  Speaker 4: Like when people remind me of things, I'm like, no, sorry,
• 29:25
  Speaker 4: I don't want to talk about it.
• 29:26
  Speaker 5: I don't want to think about it exactly. It's funny
• 29:29
  Speaker 5: doing this, Like I was writing down notes for myself
• 29:31
  Speaker 5: and like that's how I got started. I forgot about
• 29:33
  Speaker 5: that part of it. I think, Yeah, during lockdown, go
• 29:37
  Speaker 5: into the change room. So I bought a few things,
• 29:39
  Speaker 5: took them home. I got a pair of Camilla and
• 29:42
  Speaker 5: Mark pants from Savers.
• 29:45
  Speaker 4: Oh very nice, Yeah, very nice, very pretty.
• 29:47
  Speaker 5: Loved them, took them home, tried them on, and I'm like,
• 29:50
  Speaker 5: oh damn, Like they're a little bit too big for me,
• 29:52
  Speaker 5: but they're so pretty. I can either like wait till
• 29:55
  Speaker 5: I go back to the store and like see if
• 29:57
  Speaker 5: I can exchange them, or I can and popped them
• 30:00
  Speaker 5: up for sale.
• 30:01
  Speaker 2: So that's what I did.
• 30:02
  Speaker 4: That's so smart because so many people want Camilla and
• 30:05
  Speaker 4: Mark but they don't want to like trawl through Savers
• 30:08
  Speaker 4: on the off chance that they might go across it.
• 30:10
  Speaker 4: But for people like you and I, it's a game.
• 30:12
  Speaker 4: It's a fun game.
• 30:13
  Speaker 5: Exactly one hundred percent. So pop them up online and
• 30:16
  Speaker 5: I reckon. They sold that night, like they sold really quick.
• 30:19
  Speaker 5: What because everyone was like at home, there wasn't anything
• 30:22
  Speaker 5: to do. So I think everyone was either.
• 30:23
  Speaker 4: Like, yeah, that's true.
• 30:25
  Speaker 5: Online shopping or there wasn't much to do. So they
• 30:29
  Speaker 5: sold that night. And I don't think I sold them
• 30:31
  Speaker 5: for like a super high price or anything.
• 30:33
  Speaker 4: I think I, like, you just like whacked them up
• 30:35
  Speaker 4: for something reasonable and then realized maybe once they sold
• 30:38
  Speaker 4: so quickly, you were like I could probably have asked
• 30:39
  Speaker 4: for twenty bucks more.
• 30:40
  Speaker 2: Yeah, exactly.
• 30:41
  Speaker 5: I think I bought them for like ten and sold
• 30:44
  Speaker 5: them for about thirty five dollars, And I'm like, oh,
• 30:46
  Speaker 5: that was really easy. And there wasn't much else going
• 30:49
  Speaker 5: on for me at the time, Like I think all
• 30:50
  Speaker 5: my plans had been put on hold, so I've been
• 30:53
  Speaker 5: technically I was stood down from my job.
• 30:55
  Speaker 4: What were you doing? Like, what was the type of
• 30:57
  Speaker 4: role you were stood down from?
• 30:59
  Speaker 5: So I got my first entry level job after UNI,
• 31:03
  Speaker 5: and that was doing background checks, so like when people
• 31:06
  Speaker 5: get a new job, they do their background check, so
• 31:09
  Speaker 5: it was processing that and I was only earning, like
• 31:12
  Speaker 5: I say, only sorry. I was like it was okay
• 31:14
  Speaker 5: for like someone who's just finished UNI. I think I
• 31:17
  Speaker 5: was on about forty five thousand dollars a year, but
• 31:20
  Speaker 5: I was casual, so.
• 31:21
  Speaker 4: Oh, you were one of the first to go.
• 31:23
  Speaker 5: Yeah, I was a week off being there for twelve
• 31:26
  Speaker 5: months or something like that.
• 31:27
  Speaker 4: Yeah, okay, And they were like see y'all.
• 31:29
  Speaker 5: Yeah, and they stood down. I think something like seventy
• 31:32
  Speaker 5: percent of you know, the workforce, which at the time, like,
• 31:36
  Speaker 5: I can completely understand why they had to do it, but.
• 31:38
  Speaker 4: It's so stressful at the time as well. And I
• 31:41
  Speaker 4: think that, you know, being stood down from any job sucks,
• 31:44
  Speaker 4: but being stood down from your first job in the
• 31:46
  Speaker 4: first twelve months at that pay level, you probably were
• 31:51
  Speaker 4: in a switch where you were like, is this me?
• 31:54
  Speaker 4: Did they get rid of me? Because I'm not good enough?
• 31:55
  Speaker 4: Even if I had put the facts on the table
• 31:57
  Speaker 4: for you and been like, seventy percent of people are
• 31:59
  Speaker 4: just losing their job because of the economic conditions. This
• 32:01
  Speaker 4: has got nothing to do with you, but you extrapolated
• 32:04
  Speaker 4: out you think it's you. But then also on a
• 32:07
  Speaker 4: forty five thousand dollars salary, you were probably like not
• 32:11
  Speaker 4: making ends meet that tightly, like it was probably a
• 32:14
  Speaker 4: massive stretch to do budgeting and you know, pay your
• 32:17
  Speaker 4: rent and do everything else. So you were like, well,
• 32:19
  Speaker 4: what am I going to do financially because I don't
• 32:22
  Speaker 4: have that much in savings. Because to expect someone who's
• 32:25
  Speaker 4: earning forty five grand to be able to save and
• 32:27
  Speaker 4: invest and have like a really healthy emergency fund, like
• 32:30
  Speaker 4: it's almost impossible, and so like, I think that would
• 32:34
  Speaker 4: have been additionally super stressful. Did your employer help you
• 32:37
  Speaker 4: by suggesting like job seeker or did you have to
• 32:40
  Speaker 4: do that yourself for like what type of support was
• 32:43
  Speaker 4: there for you when you got stood down?
• 32:45
  Speaker 5: I believe that we did get suggested to go onto
• 32:48
  Speaker 5: job seeker. Everyone that had been there for more than
• 32:50
  Speaker 5: twelve months went onto job keeper. We went onto job Seeker.
• 32:54
  Speaker 5: So and I had a few other coworkers obviously in
• 32:57
  Speaker 5: the same position as me, so we all kind of
• 33:00
  Speaker 5: kept in touch and we all did the same thing,
• 33:02
  Speaker 5: jumped onto that scheme. It was really great at the time, Like,
• 33:06
  Speaker 5: I'm very thankful that we had that. That was such
• 33:08
  Speaker 5: a great safety net for people like me who were
• 33:11
  Speaker 5: stood down. But also you have this kind of guilt,
• 33:14
  Speaker 5: and I felt bad about having this guilt because it
• 33:17
  Speaker 5: was unprecedented times.
• 33:18
  Speaker 4: As we always say, it's like the most triggering phrase.
• 33:21
  Speaker 4: I think that exists, right, I know it was unprecedented,
• 33:25
  Speaker 4: you're like covid run.
• 33:26
  Speaker 5: I know exactly, But yeah, there was a bit of
• 33:28
  Speaker 5: guilt for me because I felt like I've just finished UNI,
• 33:32
  Speaker 5: like it had been only like a year and a
• 33:34
  Speaker 5: little bit since I'd finished UNI. I had been working.
• 33:38
  Speaker 5: I was at the very start of my career, and
• 33:41
  Speaker 5: I just had to put everything on hold and felt
• 33:43
  Speaker 5: guilty for like taking taxpayer money at the time because
• 33:46
  Speaker 5: I'm like, I just felt, I don't know, like I
• 33:49
  Speaker 5: was a little bit lost. So yeah, that was really difficult.
• 33:53
  Speaker 4: I totally get it, though I had a heap of
• 33:55
  Speaker 4: friends going through that at the same time. I feel
• 33:57
  Speaker 4: like we were all stressed, like I was a business
• 33:59
  Speaker 4: owner and or still am. But I remember being like, hey, guys, like,
• 34:04
  Speaker 4: if you want, like you can take home your screens
• 34:06
  Speaker 4: because it'll probably be like two weeks and I don't
• 34:08
  Speaker 4: want you working at like your laptop for two weeks.
• 34:11
  Speaker 4: This is crazy, like see you. Then we all go
• 34:14
  Speaker 4: home and it was literally twelve months. Like during that
• 34:16
  Speaker 4: period of time, I canceled, like my office lease like
• 34:19
  Speaker 4: everything happened, and you're right, unprecedented, but you just never
• 34:23
  Speaker 4: knew what was coming next. And I think when you
• 34:26
  Speaker 4: look back, you're like, oh, that period of time that
• 34:29
  Speaker 4: really sucked. But for me, I think the thing that
• 34:31
  Speaker 4: sucked was not knowing when it was going to start
• 34:34
  Speaker 4: or end. So like you got sent home, you probably
• 34:37
  Speaker 4: lost your job, but you're like, am I going to
• 34:39
  Speaker 4: be able to go out and get a job next
• 34:40
  Speaker 4: week or next month or in a year, Like we
• 34:42
  Speaker 4: don't know what that looks like. And it's just like
• 34:44
  Speaker 4: living in limbo was probably the hardest thing. It wasn't
• 34:48
  Speaker 4: like being cooped up at home. We're both from Melbourne,
• 34:51
  Speaker 4: so that's really hard. Like I get it, but going
• 34:54
  Speaker 4: is this a year worth of you know, one hour
• 34:57
  Speaker 4: walks or is it like the next week can You'd
• 35:00
  Speaker 4: always watch like the Telly and see the updates and
• 35:03
  Speaker 4: be like, oh the numbers have gone down. Oh that's good,
• 35:05
  Speaker 4: that's good. And then I remember seeing them go back
• 35:07
  Speaker 4: up and being like I'm never watching TV again, Like
• 35:09
  Speaker 4: I'm just going to live in my office like insane.
• 35:12
  Speaker 5: I just had so much free time and I was
• 35:14
  Speaker 5: looking for jobs at that point, but because of the lockdowns,
• 35:18
  Speaker 5: like the job market was very oh it was crazy,
• 35:21
  Speaker 5: I guess sporadic with its hiring. It was, yeah, and
• 35:25
  Speaker 5: there wasn't a lot of opportunities out there. And I
• 35:28
  Speaker 5: also was a bit worried about going into an office
• 35:31
  Speaker 5: because some of the jobs that were hiring you had
• 35:33
  Speaker 5: to go into an office because they were they were
• 35:36
  Speaker 5: like essential worker jobs. And I didn't really also want
• 35:40
  Speaker 5: to be because I was with my parents then and
• 35:42
  Speaker 5: I didn't want to be exposing them in case I
• 35:45
  Speaker 5: brought because this is when we didn't know what it
• 35:47
  Speaker 5: was like getting COVID, Like you would barely know anyone
• 35:50
  Speaker 5: that had had it. Now obviously we've you know, most
• 35:53
  Speaker 5: of us have had it, so we know what it's like.
• 35:55
  Speaker 4: It's gross. Yeah, one out of ten cannot recommend.
• 35:58
  Speaker 2: Yeah, exactly.
• 35:59
  Speaker 1: Yeah.
• 36:00
  Speaker 2: So during that time, yeah, just feeling a little bit
• 36:02
  Speaker 2: lost and it.
• 36:03
  Speaker 4: Was just a lot, wasn't it all right? I want
• 36:05
  Speaker 4: to go back on track and talk about your little
• 36:07
  Speaker 4: side hustle. So you sold a pair of Camilla and
• 36:10
  Speaker 4: Mark pants and someone bought them, and you were like, damn,
• 36:13
  Speaker 4: that worked quite well. Was that then like the floodgates
• 36:16
  Speaker 4: of you going off shopping all the time or was
• 36:19
  Speaker 4: it like what was next? How did this scale? How
• 36:21
  Speaker 4: did you end up being able to pay twenty five
• 36:23
  Speaker 4: thousand dollars off in a lump sum, like there's a
• 36:25
  Speaker 4: few things missing from the Camilla and Mark pants to
• 36:28
  Speaker 4: Then I.
• 36:28
  Speaker 5: Guess I wouldn't say that I go all the time,
• 36:31
  Speaker 5: but I started probably going a little bit more than
• 36:33
  Speaker 5: I had been at the time. So obviously in between lockdowns,
• 36:37
  Speaker 5: I would go because it was something to do, and
• 36:39
  Speaker 5: I would go for myself anyway. So I'd be going
• 36:43
  Speaker 5: kind of going through the racks and everything, and if
• 36:46
  Speaker 5: I found something where it wasn't for me, but it
• 36:49
  Speaker 5: was a nice item or good quality or a good
• 36:52
  Speaker 5: brand or hopefully like a combination of all those three criteria,
• 36:56
  Speaker 5: then I would pick that up take it home.
• 36:59
  Speaker 2: Often like they need a little.
• 37:00
  Speaker 4: Bit of a hush, a little steam exactly.
• 37:03
  Speaker 5: Oh, they need like a wash, or they need like
• 37:05
  Speaker 5: they've got a tiny mark on them and they just
• 37:07
  Speaker 5: need a stain removed and then they're like perfect, like
• 37:10
  Speaker 5: basically look brand new. So I would just kind of
• 37:13
  Speaker 5: do that and that was a good way to fill
• 37:15
  Speaker 5: in my time then as well.
• 37:16
  Speaker 4: Yeah, one hundred percent, I would have been like this
• 37:18
  Speaker 4: is a great side hustle. It's also kind of fun.
• 37:20
  Speaker 5: It was so much fun for me, like it still is,
• 37:23
  Speaker 5: like it's honestly just treasure hunting, like so good.
• 37:26
  Speaker 4: And you're making money from it. And if you know,
• 37:28
  Speaker 4: like if you've got a good eye for fashion, which
• 37:31
  Speaker 4: I sometimes don't have, I feel like you'd be able
• 37:34
  Speaker 4: to go, you know what, I wouldn't wear that, but
• 37:35
  Speaker 4: that would sell well, Like you would start to get
• 37:37
  Speaker 4: to know what does well and what doesn't do well.
• 37:40
  Speaker 5: Like yeah, and there's definitely like sleeper items that people
• 37:43
  Speaker 5: like go past and then you'll suddenly see them and
• 37:46
  Speaker 5: you're like, oh my god, how has no one picked
• 37:48
  Speaker 5: us up yet today?
• 37:49
  Speaker 2: Like you're there at the end of the.
• 37:50
  Speaker 5: Day, like you know, they're probably an hour away from closing,
• 37:53
  Speaker 5: and you're just like, is anyone else seeing this?
• 37:55
  Speaker 4: Like and you just like snap it up, runway.
• 37:58
  Speaker 5: One hundred percent, like, oh, tell anyone, don't tell anyone
• 38:01
  Speaker 5: how much does is worth?
• 38:02
  Speaker 4: You're like, has someone put this down and not meant to?
• 38:05
  Speaker 4: Like run?
• 38:06
  Speaker 2: I don't?
• 38:06
  Speaker 4: I know? I love it? So then you just scaled it.
• 38:09
  Speaker 4: How have you managed to make obviously more than twenty
• 38:12
  Speaker 4: five grand and having to pay tax on it? Like
• 38:14
  Speaker 4: do you go every weekend? Do you do this every day? Like,
• 38:17
  Speaker 4: how much of your time does this take up?
• 38:19
  Speaker 2: For me?
• 38:19
  Speaker 5: It's usually like probably I'd say I go two days
• 38:22
  Speaker 5: a week, So usually I do like one day after work,
• 38:25
  Speaker 5: I'll go for like a couple of hours, and then
• 38:27
  Speaker 5: usually maybe on the weekend as well. And it depends
• 38:30
  Speaker 5: so much on the week, Like you know, some weeks
• 38:33
  Speaker 5: I might buy one or two things. Other weeks I
• 38:35
  Speaker 5: might buy like fifteen things. Definitely, it depends. And I
• 38:40
  Speaker 5: guess obviously when I wasn't working, like, I had a
• 38:43
  Speaker 5: lot of flexibility, so I was able to like, you know,
• 38:45
  Speaker 5: get out of bed, go do this, you know, in
• 38:47
  Speaker 5: the morning, and then spend the afternoon like taking photos,
• 38:51
  Speaker 5: putting them up online working on my listings because I
• 38:54
  Speaker 5: use predominantly eBay for it.
• 38:56
  Speaker 4: Why eBay tell us about that? Because I feel like
• 38:59
  Speaker 4: there's the rise of das pop right and everybody is
• 39:01
  Speaker 4: like get on deepop, and like I've buy stuff on Deepop,
• 39:04
  Speaker 4: but like eBay's better, you reckon.
• 39:06
  Speaker 2: I guess it just depends.
• 39:07
  Speaker 5: Like there's obviously different platforms to sell on, and some
• 39:09
  Speaker 5: people are very into their Facebook marketplace, some people are
• 39:13
  Speaker 5: very into Deepop.
• 39:14
  Speaker 2: I've tried both of those.
• 39:15
  Speaker 5: I think eBay are just like because I find I
• 39:19
  Speaker 5: haven't had this issue so much with Deepop, but with
• 39:21
  Speaker 5: Facebook Marketplace, I find it's a real pain sometimes, Like, oh.
• 39:26
  Speaker 4: I can't deal with Facebook Marketplace. If you follow me
• 39:28
  Speaker 4: on Instagram, I've been on many a Facebook Marketplace rant
• 39:32
  Speaker 4: like the people on their I swear they're crazy, Like
• 39:36
  Speaker 4: people are unhinged on Facebook Marketplace.
• 39:38
  Speaker 5: Like it's the scams sometimes, like you'll get that and
• 39:41
  Speaker 5: straight away pretty much I can pick up.
• 39:43
  Speaker 2: I'm like, that's scam, Like.
• 39:44
  Speaker 4: I'm not an idiot.
• 39:46
  Speaker 2: But it's more the.
• 39:46
  Speaker 5: Ghosting is the thing that I find, like with Marketplace,
• 39:50
  Speaker 5: because the thing is, I think people find something, they're
• 39:53
  Speaker 5: all keen to buy it. You get like organized with
• 39:55
  Speaker 5: the transaction details and everything, and then they just ghost you.
• 39:58
  Speaker 2: No I know.
• 40:00
  Speaker 5: And then on eBay I think it's a little bit
• 40:01
  Speaker 5: different where eBay is more like they're kind of locked
• 40:05
  Speaker 5: in to buy, you know, and it's very rare that
• 40:07
  Speaker 5: you won't get someone who's you know, committed to buy
• 40:10
  Speaker 5: something and then they go back on that like it
• 40:12
  Speaker 5: does happen, but nowhere near like it does on Marketplace.
• 40:16
  Speaker 2: Yeah.
• 40:16
  Speaker 4: No, I feel like eBay's just really transactional people like
• 40:19
  Speaker 4: understand it's an online like sales platform. I feel like
• 40:23
  Speaker 4: deepop feels a bit more DIY even though it's not.
• 40:27
  Speaker 4: And then Facebook Marketplace feels like the wild West.
• 40:29
  Speaker 5: One hundred percent, and I think with Marketplace as well,
• 40:31
  Speaker 5: like I just find like people be like, oh, can
• 40:34
  Speaker 5: you come to this suburb on a Tuesday at twelve
• 40:38
  Speaker 5: and drop this off?
• 40:39
  Speaker 2: And I'm just like, oh my god.
• 40:41
  Speaker 4: Like absolutely, I can't. I gave away so much free
• 40:43
  Speaker 4: stuff recently because I was having like a big clean out,
• 40:46
  Speaker 4: and you know when you're like I just wanted to
• 40:47
  Speaker 4: go to a good home, Like, I just don't want
• 40:50
  Speaker 4: to spend like weeks negotiating with people to make money
• 40:53
  Speaker 4: from this. I would actually just prefer some lucky person
• 40:56
  Speaker 4: to see it for free and then come and get it.
• 40:58
  Speaker 4: I wish I never did that because the amount of
• 41:01
  Speaker 4: people that were like, oh, can you deliver, and I'm
• 41:03
  Speaker 4: like no, the listing literally says don't deliver, and They're like,
• 41:06
  Speaker 4: I have three kids, are you really gonna take this
• 41:08
  Speaker 4: away from my children?
• 41:10
  Speaker 2: Yeah?
• 41:11
  Speaker 4: I think I might actually like what, like it's free
• 41:16
  Speaker 4: and you should be paying for this normally, Like come
• 41:19
  Speaker 4: and get it yourself.
• 41:21
  Speaker 2: I know it's Yeah, it is exhausting.
• 41:23
  Speaker 5: So that's why I've been sticking with eBay for quite
• 41:25
  Speaker 5: a while. Yeah, and at the moment, I think I
• 41:28
  Speaker 5: try to do like every probably second day, I'll try
• 41:31
  Speaker 5: and do at least one listing. I'll do a couple usually,
• 41:35
  Speaker 5: but I'll try to get at least one just so
• 41:37
  Speaker 5: it keeps triggering the algorithm to pick up my items.
• 41:40
  Speaker 4: Yes, smart, Smart, she's on top of it. And is
• 41:42
  Speaker 4: that a thing that you've had to do a bit
• 41:44
  Speaker 4: of research into, so not just like popping things up
• 41:46
  Speaker 4: for sale, but like you said, algorithm before, I'd never
• 41:49
  Speaker 4: even thought about that.
• 41:50
  Speaker 5: On eBay, there's a lot of YouTube videos, so like,
• 41:52
  Speaker 5: I highly recommend checking out if this is something you're
• 41:55
  Speaker 5: interested in or even just selling your own stuff like
• 41:58
  Speaker 5: this is also I guess how I started back in
• 42:00
  Speaker 5: the day just selling my own things. So yeah, I
• 42:03
  Speaker 5: did a bit of research on YouTube and there's a
• 42:06
  Speaker 5: few things I guess that triggers your items to be
• 42:09
  Speaker 5: shown up higher. And it definitely works, I think, because
• 42:12
  Speaker 5: if I don't do anything on eBay for like a
• 42:14
  Speaker 5: few days, I definitely am not selling things where even
• 42:18
  Speaker 5: if I do things like I'll jump on there and
• 42:20
  Speaker 5: I'll leave some feedback or I'll you know, make sure
• 42:23
  Speaker 5: that I shap my items quickly.
• 42:24
  Speaker 4: You just do something just like interact on your account
• 42:27
  Speaker 4: every day.
• 42:28
  Speaker 5: Exactly one hundred percent. So that's what kind of keeps
• 42:31
  Speaker 5: things like ticking over for me.
• 42:33
  Speaker 4: I love that.
• 42:34
  Speaker 2: Yeah, and it's been great.
• 42:35
  Speaker 5: So since I started working full time again, like and
• 42:39
  Speaker 5: this is a couple of years obviously ago now, so
• 42:42
  Speaker 5: it's been a while, I've been just fitting this around
• 42:44
  Speaker 5: my work and that's been like actually a lot easier
• 42:48
  Speaker 5: than I kind of expected it to be. I think
• 42:50
  Speaker 5: it's just because it's something that I find really interesting
• 42:53
  Speaker 5: and I enjoy doing.
• 42:54
  Speaker 4: It's a literal hobby, Like it's something that you can
• 42:56
  Speaker 4: do on the weekend that you enjoy. And I mean,
• 42:58
  Speaker 4: you're making money from your hobby. I'm not making any
• 43:01
  Speaker 4: money from my hobbies. All they do is pour money
• 43:03
  Speaker 4: into them, and then I don't actually have the time
• 43:06
  Speaker 4: to do the things, so I get quite literally nothing
• 43:08
  Speaker 4: out of them. So kudos to you for actually doing it.
• 43:11
  Speaker 5: Yeah, And I think it's like, I don't know, I
• 43:14
  Speaker 5: just recommend if anyone wants to take on a side hustle.
• 43:17
  Speaker 5: I would be looking at your area of interest because
• 43:18
  Speaker 5: that's when you invest the time and you don't feel
• 43:21
  Speaker 5: like you're investing it. So like if you love driving,
• 43:24
  Speaker 5: for example, like if that's I don't know, something you enjoy,
• 43:27
  Speaker 5: then I guess you could look into like UBE It's
• 43:29
  Speaker 5: driving or that kind of thing, because like you're actually
• 43:32
  Speaker 5: gonna enjoy what you're doing with I guess your downtime
• 43:35
  Speaker 5: outside of work.
• 43:36
  Speaker 4: Yeah, no, I think that's so important. I always get
• 43:39
  Speaker 4: asked like, oh, what's a good side hustle, and it's
• 43:41
  Speaker 4: like one that you're interested in, like one that you
• 43:44
  Speaker 4: know doesn't take all your mental energy. Like if you
• 43:47
  Speaker 4: get carsick, uberits driving is probably not for you. I
• 43:51
  Speaker 4: think it's making sure that you're into it. Or if
• 43:53
  Speaker 4: you have the worst fashion sense in the entire world
• 43:56
  Speaker 4: and you hate op shops, probably not flipping clothes on eBay,
• 44:00
  Speaker 4: Like I feel like you've got to look into it.
• 44:02
  Speaker 4: But there are so many ways to make additional cash
• 44:04
  Speaker 4: these days that it's so accessible, like and even stuff
• 44:08
  Speaker 4: like what you're doing if you can't work full time
• 44:11
  Speaker 4: or there's a reason like that you can't do, you know,
• 44:14
  Speaker 4: a manual job like something like this could be like
• 44:17
  Speaker 4: fit into what you are already doing to make some
• 44:20
  Speaker 4: extra cash, or like even getting on air Tasker. I
• 44:23
  Speaker 4: find I've got a couple of friends who do that
• 44:25
  Speaker 4: and they just take up random jobs and it works
• 44:28
  Speaker 4: so well and they actually make so much money from
• 44:31
  Speaker 4: it because often people on air Tasker they want stuff now,
• 44:35
  Speaker 4: so they're happy to pay a bit of a premium
• 44:37
  Speaker 4: for it. And you're like, well why not, yeah exactly,
• 44:41
  Speaker 4: So tell me do you think that's your best money habit?
• 44:43
  Speaker 4: If not, what do you think is your best money habit.
• 44:45
  Speaker 5: I think my best money habit is that I'm very
• 44:48
  Speaker 5: like when I have a budget, I stick to it.
• 44:51
  Speaker 5: All my money when it comes in, like whether it's
• 44:54
  Speaker 5: from my eBay or my job or you know, my
• 44:59
  Speaker 5: interest from my back accounts, it all has a place
• 45:02
  Speaker 5: to go. So it's working for me. And I never
• 45:05
  Speaker 5: want to see my savings account go down, which obviously
• 45:08
  Speaker 5: it's going to have to when I buy a house,
• 45:10
  Speaker 5: but until that point.
• 45:11
  Speaker 4: But that feels like a value exchange right, Like that
• 45:14
  Speaker 4: feels like, well I got a house, Like I don't
• 45:16
  Speaker 4: want to see my savings account go down and I
• 45:18
  Speaker 4: got nothing in exchange.
• 45:19
  Speaker 2: Yeah, exactly.
• 45:20
  Speaker 5: So I think for me, just sticking to a budget
• 45:23
  Speaker 5: and making sure that I don't see my money, like
• 45:27
  Speaker 5: all of my money that's there is something that I
• 45:29
  Speaker 5: can use whenever I want.
• 45:31
  Speaker 4: Tell me about a budget, though, because I feel like
• 45:33
  Speaker 4: so many times we say, oh, I stick to a budget.
• 45:36
  Speaker 4: Does that mean that you are, you know, getting cash
• 45:38
  Speaker 4: out of the bank every week and putting money in envelopes?
• 45:41
  Speaker 4: Or does it mean that you have a spreadsheet or
• 45:43
  Speaker 4: do you have an app? Like how do you budget?
• 45:45
  Speaker 4: How does it work for you?
• 45:46
  Speaker 5: For me, I've got a couple of different bank accounts,
• 45:49
  Speaker 5: so I've got like a holiday fund, I've got like
• 45:52
  Speaker 5: a treat yourself fund, got obviously like my house deposit
• 45:55
  Speaker 5: savings account. Every time I get paid from my job.
• 45:59
  Speaker 5: I've got automated transfers, so they all go to their
• 46:04
  Speaker 5: set accounts so they can all increase by you know,
• 46:07
  Speaker 5: whatever I deem to be appropriate at the time. So
• 46:09
  Speaker 5: like I've kind of put my travel account on the
• 46:12
  Speaker 5: back burner a little bit, Like I'm not putting in
• 46:14
  Speaker 5: as much money at the moment, but I'm putting a
• 46:16
  Speaker 5: little bit more into things like my emergency fund now,
• 46:20
  Speaker 5: just to build that up before buying a house. So yeah,
• 46:24
  Speaker 5: that's all automated, and then my eBay income is I
• 46:27
  Speaker 5: don't even look at it. I don't treat it as
• 46:30
  Speaker 5: like my money, if that makes sense, Like, oh I
• 46:32
  Speaker 5: love that. Yeah, it's just kind of like a little
• 46:35
  Speaker 5: extra addition. Like at the moment, now it goes onto
• 46:38
  Speaker 5: my house deposit, and previously I just chucked it basically
• 46:42
  Speaker 5: into a separate savings account and that's.
• 46:44
  Speaker 2: Where I kind of it wasn't intended to be to
• 46:47
  Speaker 2: pay off my hex debt, but it worked. Yeah.
• 46:49
  Speaker 5: I know, we got to this point midyear last year.
• 46:53
  Speaker 5: I believe it was where I think the indexation rate
• 46:56
  Speaker 5: was going up by like seven percent or something.
• 46:58
  Speaker 4: Yeah, yeah, yeah, you'd be pretty frustrated now having seen
• 47:01
  Speaker 4: the discounts that are being replied, though, Hey, but you
• 47:04
  Speaker 4: have no debts, so you're the real winner here.
• 47:06
  Speaker 2: Yeah.
• 47:07
  Speaker 5: I saw that, and I was just like, it feels
• 47:09
  Speaker 5: a bit like pointless, Like I just you know, all
• 47:11
  Speaker 5: this money was taken out of my paychecks for the
• 47:13
  Speaker 5: last year, and like it's about to suddenly.
• 47:16
  Speaker 2: Go up by like two thousand dollars. Well, I can't
• 47:18
  Speaker 2: remember what it was.
• 47:19
  Speaker 5: It was a bit and I just was looking at
• 47:22
  Speaker 5: the money that I'd set aside from doing my side hustle,
• 47:25
  Speaker 5: and I was like, oh, hold on, yeah, I might
• 47:28
  Speaker 5: as well just chuck that in there.
• 47:30
  Speaker 4: Oh I love that. That makes me so happy that
• 47:33
  Speaker 4: you were able to do that. What do you think
• 47:35
  Speaker 4: is your worst money?
• 47:36
  Speaker 2: Have it?
• 47:36
  Speaker 4: Though? I feel like you're so good at money and
• 47:39
  Speaker 4: is there a bad one?
• 47:40
  Speaker 2: Oh?
• 47:40
  Speaker 5: I feel like I definitely have a couple. And that's
• 47:42
  Speaker 5: why i'd say, like I'm in the B range. I
• 47:45
  Speaker 5: would say probably for me. The worst thing that I
• 47:47
  Speaker 5: do is like, I'm not great with checking my subscriptions.
• 47:51
  Speaker 4: Oh wait, none of us are. None of us are.
• 47:53
  Speaker 4: I always see the notification pop up and it's like
• 47:55
  Speaker 4: Apple charge, and then all of a sudden, I forget
• 47:59
  Speaker 4: that I was meant to check something and it's four
• 48:00
  Speaker 4: months down the road.
• 48:01
  Speaker 2: To hundred percent.
• 48:02
  Speaker 4: Yeah.
• 48:02
  Speaker 5: So that's something I've started putting down a list of
• 48:06
  Speaker 5: I guess it's like my procrastination list of things that
• 48:09
  Speaker 5: like I need to do but I really don't want
• 48:11
  Speaker 5: to do. Like it's just things that I'm not looking
• 48:13
  Speaker 5: forward to. But I love like a list and I
• 48:16
  Speaker 5: love ticking things off a list.
• 48:17
  Speaker 4: She's type a exactly.
• 48:19
  Speaker 5: So I'm like, I'll put together this little list and
• 48:22
  Speaker 5: then I'm just going to work through it, like even
• 48:24
  Speaker 5: if it's like one thing a week, and things like insurances,
• 48:27
  Speaker 5: like checking and making sure I've got the best deal
• 48:30
  Speaker 5: for all of those, because that's definitely been on the
• 48:32
  Speaker 5: backburn of the last few months. I haven't been thinking
• 48:34
  Speaker 5: about it. So it'd be good just to kind of
• 48:37
  Speaker 5: know that I'm in the best situation prior to actually
• 48:40
  Speaker 5: buying the house.
• 48:41
  Speaker 2: Yeah.
• 48:41
  Speaker 4: Smart, Smart. That reminds me I do need to get
• 48:44
  Speaker 4: my insurances updated again now that Harvey has arrived, Like
• 48:47
  Speaker 4: I did it while I was pregnant. Now things have
• 48:49
  Speaker 4: changed together, Like, there's just a lot to do right
• 48:52
  Speaker 4: money diarist, what would it take to get you from
• 48:55
  Speaker 4: a B to an A plus? What does that actually
• 48:57
  Speaker 4: look like in your life?
• 48:59
  Speaker 2: I think for me it's education.
• 49:00
  Speaker 4: I can help. I can help there. Yeah, I've got you.
• 49:03
  Speaker 4: I've got you. I feel like that is one thing
• 49:06
  Speaker 4: that I do well. So you're on the right track,
• 49:08
  Speaker 4: You're in the right place. But what about education, Because
• 49:11
  Speaker 4: at the start of this episode, you said, I feel
• 49:14
  Speaker 4: like I've done so much research when it comes to
• 49:16
  Speaker 4: investing platforms, but I have analysis paralysis. So is education
• 49:20
  Speaker 4: and confidence or is it like a particular part of educating,
• 49:24
  Speaker 4: Like what do we need?
• 49:25
  Speaker 5: I think definitely the education and the confidence, like you mentioned,
• 49:29
  Speaker 5: I think that would be really important for me to
• 49:31
  Speaker 5: be able to make that step into you know, proper investing.
• 49:35
  Speaker 5: I just feel like I understand investing, but it's just
• 49:39
  Speaker 5: all the different platforms and the different ways people go
• 49:43
  Speaker 5: about like setting it aside and you know, putting it
• 49:46
  Speaker 5: into investments.
• 49:47
  Speaker 2: I just get a little bit overwhelmed with that.
• 49:48
  Speaker 4: So, yeah, that's so fair. That is so fair money, Dirist.
• 49:52
  Speaker 4: I feel like that's been a really relatable but also
• 49:54
  Speaker 4: inspirational story. Like I love that you're like, yep, I
• 49:57
  Speaker 4: get to go op shopping and like I just started
• 50:00
  Speaker 4: by flipping some Camilla and Mark pants and then all
• 50:02
  Speaker 4: of a sudden it was a gateway to paying off
• 50:04
  Speaker 4: my entire hex step Like that is so exciting. And
• 50:08
  Speaker 4: I just know that the community has loved hearing this money, Dorry,
• 50:11
  Speaker 4: so I really appreciate it. But unfortunately we've run out
• 50:14
  Speaker 4: of time. So thank you for joining me and doing
• 50:18
  Speaker 4: your money, Dorry. You've been so generous with your time
• 50:20
  Speaker 4: and your story. I just I love it. This is
• 50:22
  Speaker 4: my favorite.
• 50:23
  Speaker 2: Thank you for having me.
• 50:30
  Speaker 4: The advice shed on She's on the Money is general
• 50:32
  Speaker 4: in nature and does not consider your individual circumstances. She's
• 50:36
  Speaker 4: on the Money exists purely for educational purposes and should
• 50:40
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• 50:45
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