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She Skipped Uni, Travelled for 4 Years… and Still Built Her Dream Life · She's On The Money

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  Speaker 1: My name's Aatasha Bamblet. I'm a proud First Nations woman
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  Speaker 1: and I'm here to acknowledge country t Glenn Young Ganya Niana,
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  Speaker 1: kaka ya Ya bin Ahaka Nian our gay In Nimbina
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  Speaker 1: yakarum jar Dominyama, domaga Itawakaman, damon Imlan bomber bang Gadabomba
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  Speaker 1: in and now in wakah Ghana yak raum jar Watnadaa. Hello,
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  Speaker 1: beautiful friends, we gather on the lands of the Aboriginal people.
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  Speaker 1: We thank acknowledge and respect the Abigin people's land that
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  Speaker 1: we're gathering on today. Take pleasure in all the land
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  Speaker 1: and respect all that you see. She's on the Money
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  Speaker 1: podcast acknowledges culture, country, community and connections, bringing you the tools,
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  Speaker 1: knowledge and resources for you to thrive.
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  Speaker 2: She's on the Money. She's on the Money.
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  Speaker 3: Hello, and welcome to She's on the Money, the podcast
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  Speaker 3: that lets you be pervy about other people's money stories
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  Speaker 3: for educational purposes of course. Welcome back to another one
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  Speaker 3: of our money daries, where I get the absolute pleasure
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  Speaker 3: of sitting down with one of our Shees on the
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  Speaker 3: Money community members and talking to them about all the
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  Speaker 3: nitty gritty details of their money story. Let's jump straight
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  Speaker 3: into it, because this week I got an email and
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  Speaker 3: it sounded identical to this dear she's on the money.
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  Speaker 3: I started working at fourteen, and then I met my
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  Speaker 3: husband at sixteen. We skipped uni, went straight into full
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  Speaker 3: time work and saved hard. We were living at home
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  Speaker 3: and desperately wanted our own space, So at twenty two
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  Speaker 3: years old, we bought our first home. Then we rented
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  Speaker 3: it out while we spent four years overseas on the
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  Speaker 3: ultimate working honeymoon. We came back, sold that house and
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  Speaker 3: eventually settled into our dream home, and now we have
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  Speaker 3: two babies. We never thought we were quote good with money,
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  Speaker 3: but maybe we've done all right after all, money diarist, Yeah,
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  Speaker 3: you have done all right after all, haven't you.
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  Speaker 2: Yeah, looking back over it, yes we've done pretty good.
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  Speaker 3: I am so excited for this money story, like it
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  Speaker 3: just feels oh. I also just love love, Like I've
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  Speaker 3: just got so many. When people are like, oh I
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  Speaker 3: met my partner or my husband or my wife or whatever,
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  Speaker 3: I'm like, oh, tell me, Like I want the pervy details.
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  Speaker 3: This isn't like you know, money questions, but like I
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  Speaker 3: need the dirt. So let's jump into it. Before I
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  Speaker 3: ask any more pervy questions. I want to know if
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  Speaker 3: I asked you to give yourself a money grade from
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  Speaker 3: A three to F, what would you grade yourself?
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  Speaker 2: I would say a B minus at the moment, B minus.
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  Speaker 3: All right, let's go with that, And now can you
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  Speaker 3: tell me a little bit more about the nitty gritty
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  Speaker 3: of your money story.
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  Speaker 4: Yeah, so, I guess the first kind of memories of
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  Speaker 4: money I have is probably as a kid.
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  Speaker 2: We came from a well, I have two sisters, and
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  Speaker 2: my dad worked.
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  Speaker 4: Mom was a stay at home mom, and from stories
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  Speaker 4: that they've told us, they worked and saved really hard.
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  Speaker 2: But as kids we wouldn't have known that.
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  Speaker 4: They instilled that if you want want certain things, you
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  Speaker 4: work for it, save up and then you can purchase
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  Speaker 4: it with your own money. So we had chores and
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  Speaker 4: pocket money and stuff. But it wasn't until I really
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  Speaker 4: wanted a mobile phone that I guess they put their
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  Speaker 4: foot down and the only way to get a phone
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  Speaker 4: at that point was to be able to pay for
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  Speaker 4: it myself. And so I was actually sixteen when I
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  Speaker 4: started work, but started working at the glamorous McDonald's.
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  Speaker 3: No sorry, that's a great first job.
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  Speaker 2: It is a great person job. And yeah worked therefore
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  Speaker 2: would be nearly eight years or something like that, but
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  Speaker 2: mainly to be able to pay for a teeny tiny
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  Speaker 2: Samsung flip phone.
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  Speaker 3: I was about to ask, what phone did you want?
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  Speaker 3: Because you're thirty five and I'm thirty four, so I
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  Speaker 3: feel like we're on the same page about what phones
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  Speaker 3: we wanted. So Samsung flip phone. Was that the one
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  Speaker 3: with the little screen on the front that had the time? Yes, yep, yep, sexy,
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  Speaker 3: I love it.
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  Speaker 4: Yes, So yeah, I bought the phone had the prepaid
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  Speaker 4: credit on it. One of those friends where you freaked
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  Speaker 4: out if you accidentally hit the internet.
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  Speaker 2: Because it would suck it all up.
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  Speaker 3: Oh yeah, don't do that. That's expensive. Yep, yep, yep.
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  Speaker 3: And also only text your friends after eight pm because like,
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  Speaker 3: we're not spending fifty five cents on a text, eh, exactly.
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  Speaker 2: And then I was always a saber. I've always put
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  Speaker 2: money aside into savings.
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  Speaker 4: When I finished school, it was the goal was by
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  Speaker 4: a car, and I did that. We went and got
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  Speaker 4: a personal loan. It was like a we maybe did
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  Speaker 4: it as like a ten year personal loan or something,
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  Speaker 4: and it wasn't a huge amount, probably like eight thousand.
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  Speaker 4: I mean not a huge amount.
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  Speaker 2: At eighteen, it's a huge amount, eight thousand dollars.
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  Speaker 4: But I paid it off within like two or three
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  Speaker 4: years because everything went to that and I was living
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  Speaker 4: at home still with mum and.
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  Speaker 2: Dad at that point.
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  Speaker 4: Had started dating my now husband at eighteen, and yeah,
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  Speaker 4: so everything went towards saving and paying off the car loan,
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  Speaker 4: which we did really quickly, and then it was working
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  Speaker 4: with my husband to save up for a house. We
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  Speaker 4: both school was not our thing, so we both deferred
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  Speaker 4: UNI and then got the taste of full time work
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  Speaker 4: and full time income and both decided.
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  Speaker 2: We weren't willing to give that up ever, So we.
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  Speaker 4: Lived between our parents' houses for two or three years. Well,
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  Speaker 4: we saved up for a house. We actually never lived together,
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  Speaker 4: I guess officially lived together until we bought our house,
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  Speaker 4: but we did do some house sitting to test the
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  Speaker 4: waters see if we could live together.
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  Speaker 3: Yeah, that's a good thing to do. So did you
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  Speaker 3: meet your husband at school or at your job?
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  Speaker 4: So we met at McDonald's at the age of sixteen,
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  Speaker 4: working together Maca's Love Stories it is.
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  Speaker 2: And then started dating when we were eighteen.
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  Speaker 3: Oh my god, so you knew each other for two
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  Speaker 3: years before that happened. I need to know, like who
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  Speaker 3: had a crush on who first? Like did you have
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  Speaker 3: a crush on each other the whole time? Or like
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  Speaker 3: how did it become We knew each other for two
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  Speaker 3: years and then we started dating.
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  Speaker 4: Yeah, so I think we were just in like the
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  Speaker 4: same kind of friendship group at McDonald's and then it
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  Speaker 4: just blossomed from there at some point.
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  Speaker 2: I can't really remember who had a crush on who first,
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  Speaker 2: but that's cute.
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  Speaker 3: And then tell me a little bit more about that.
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  Speaker 3: So you like bought your first house, Like when did
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  Speaker 3: you get married, because you said that, you know, you
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  Speaker 3: went on the ultimate working honeymoon. How old were you
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  Speaker 3: when you guys were like, okay, let's get married.
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  Speaker 4: Yeah, So we bought our house at twenty two back
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  Speaker 4: in twenty eleven, just before he turned twenty one, and
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  Speaker 4: then we decided to get married in twenty fourteen. Because
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  Speaker 4: the plan was always to travel, the timing of it
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  Speaker 4: was never certain until we decided it was better to
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  Speaker 4: get into.
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  Speaker 2: The property market first. So we actually actually got that
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  Speaker 2: advice from another McDonald's manager when I was out on
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  Speaker 2: a course and he was like, no, get into the
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  Speaker 2: property market first, then rented out and travel And so
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  Speaker 2: I took the advice of a random maca's manager.
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  Speaker 3: You know what, sometimes it works sometimes.
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  Speaker 2: And it worked out beautifully.
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  Speaker 4: So we rented the house out from twenty fourteen to
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  Speaker 4: twenty and eighteen, and in that time we spent two
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  Speaker 4: years living in London jumping about Europe. The rent covered
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  Speaker 4: the mortgage plus a little bit.
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  Speaker 3: Oh my god, how good.
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  Speaker 4: Like I say, we feel really lucky, but we obviously
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  Speaker 4: worked hard. I don't like to say we feel lucky
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  Speaker 4: that the timing all just worked out really well, but
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  Speaker 4: we worked hard to get to that point and then
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  Speaker 4: it all just kind of fell into place, which was lovely.
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  Speaker 4: So we had two years in London jumping about Europe
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  Speaker 4: and then weren't ready to come home. So then we
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  Speaker 4: spent two years in Vancouver, jumping about Canada and enjoying
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  Speaker 4: life over there. The house was rented out. We did
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  Speaker 4: get burned by a few tenants, but it all ended
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  Speaker 4: up working out.
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  Speaker 2: It was just the lidists of dealing with real estate
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  Speaker 2: agents in a different time zone.
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  Speaker 3: Yeah, so talk to me when you were living in
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  Speaker 3: London and then in Vancouver. What kind of work did
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  Speaker 3: you do?
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  Speaker 2: So I was doing admin work. I'd actually done a
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  Speaker 2: diploma of HR management because I thought that was the
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  Speaker 2: career I wanted. Spoiler, it's not.
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  Speaker 3: That's okay.
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  Speaker 4: You were a baby, Yeah, I was a baby and
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  Speaker 4: my husband was working for an Australian tour company which
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  Speaker 4: very conveniently provided some discounted tours for us.
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  Speaker 3: Oh, how good you guys? Had it worked out?
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  Speaker 2: We did?
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  Speaker 4: Yes, we were very very lucky with the timing of
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  Speaker 4: everything as well, because after living in Vancouver for the
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  Speaker 4: two years, we came back to Australia in October of
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  Speaker 4: twenty eighteen, just before the world descended into mayhem.
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  Speaker 3: I was about to say, what good timing to then
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  Speaker 3: get to go into lockdown, But I feel like it
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  Speaker 3: would have been more stressful to go into lockdown overseas.
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  Speaker 2: Oh one hundred percent.
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  Speaker 4: I look at it now and go, Thank heavens we
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  Speaker 4: got the travel in that we did, especially for how
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  Speaker 4: cheap it was to travel around Europe. Were used to
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  Speaker 4: have a look at Skyscanner and go, oh, look there's
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  Speaker 4: a ten pound flight to Switzerland.
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  Speaker 2: Then you look around at work and go does anyone
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  Speaker 2: want to go to Switzerland for the weekend?
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  Speaker 3: Stop it? But that's so cool. Like my best friend
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  Speaker 3: or one of my best friends, Rosie lives in London
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  Speaker 3: at the moment, and she does like she's just come
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  Speaker 3: back from Sardinia. Like I look at her. We have
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  Speaker 3: such different lives, but I watch her on with so
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  Speaker 3: much envy because she's like, yeah, like, my friend and
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  Speaker 3: I are just going to go to Sardinia for the weekend.
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  Speaker 3: I've taken an extra two days off work. And I'm like,
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  Speaker 3: imagine if that was my reality, Like you can just
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  Speaker 3: do that? And she's like yeah, yeah, yeah. We got
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  Speaker 3: some cheap flights and we found a cute resort. I'm like, what,
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  Speaker 3: like that would be my annual holiday.
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  Speaker 4: It was something we had to learn really quickly in
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  Speaker 4: terms of money, because we went from being paid weekly
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  Speaker 4: here in Australia two monthly in London. And the first
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  Speaker 4: few months we would go, oh, we are rich, and
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  Speaker 4: we'd book all these trips and then the trip would
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  Speaker 4: come around and.
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  Speaker 2: We'd be like, oh, we're poor. We got nothing. We
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  Speaker 2: got nothing to spend here in the country.
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  Speaker 4: So we would stay in youth hostels and first time
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  Speaker 4: it was we'd make a ham and cheese sandwich and
• 11:36
  Speaker 4: wrap it in a napkin. After a couple of months
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  Speaker 4: of doing that, I just took a SnapLock bag in
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  Speaker 4: my handbag and we'd put the.
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  Speaker 2: Ham and cheese sandwiches in the snaplot bag, so lunch
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  Speaker 2: was done for the day.
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  Speaker 3: I don't know if you're following me on social media,
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  Speaker 3: but yes, I still do that. My son, my husband
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  Speaker 3: and I went on holiday to Bali recently and I
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  Speaker 3: took his whole damn lunch box.
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  Speaker 2: Perfect.
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  Speaker 3: But I just feel like, you do what you got
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  Speaker 3: to do to save some money. And don't get me wrong,
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  Speaker 3: could I afford lunch like now? Yes, But old habits
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  Speaker 3: die hard.
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  Speaker 2: If you're not making the most of it.
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  Speaker 4: So we came back and I found a job where
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  Speaker 4: I am now as an executive assistant, and researched a
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  Speaker 4: company that had good maternity leave because the plan was
• 12:23
  Speaker 4: always to start a family. Once we arrived back in
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  Speaker 4: Australia and got settled back into the house that was
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  Speaker 4: rented out, so October twenty eighteen to January twenty nineteen
• 12:35
  Speaker 4: we were living at my parents' place, which was a
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  Speaker 4: shock to the system and we were ready to get
• 12:42
  Speaker 4: back into our own space by January and then so
• 12:48
  Speaker 4: worked for a year. The company I worked for had
• 12:52
  Speaker 4: I think it's a pretty good maternity leaf policy.
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  Speaker 2: So I was able to do that and then and
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  Speaker 2: we had our baby girl in May of twenty twenty. Congrats,
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  Speaker 2: right in the middle of lockdown.
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  Speaker 3: Oh my gosh, that would have been a fun time.
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  Speaker 2: Yeap. I came in and out of the hospital. I
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  Speaker 2: had to visit it while I was in labor. Three times.
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  Speaker 4: I went in and out from home and they like
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  Speaker 4: checked my temperature and I'm like, I'm in act, like
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  Speaker 4: I'm proper having contractions.
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  Speaker 2: I've not been anywhere but home.
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  Speaker 3: Oh my god. I don't know what I would have done,
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  Speaker 3: like having now gone through labor and like the whole process,
• 13:32
  Speaker 3: like the idea that women had to go through that
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  Speaker 3: and what girl, you are stronger than me. I think
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  Speaker 3: I would have had a mental breakdown.
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  Speaker 2: Oh I thank heavens. The hospital we were in didn't
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  Speaker 2: restrict partners, so my husband was there. I don't think
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  Speaker 2: I could have done it without him. And we were
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  Speaker 2: really lucky in that for the majority of the pregnancy
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  Speaker 2: there was no restriction on him coming to ultrasounds or
• 13:55
  Speaker 2: ob checkups or anything.
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  Speaker 4: So he didn't really except for maybe the last like
• 14:01
  Speaker 4: four weeks. He didn't miss out on that experience, which
• 14:06
  Speaker 4: was good.
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  Speaker 3: Oh, I'm glad because it's like not the case for
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  Speaker 3: so many women, and like, I feel like so many
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  Speaker 3: people in our community are still holding trauma over that,
• 14:14
  Speaker 3: and like that's just it's just rough, And whenever I
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  Speaker 3: hear it, I'm like, I don't know how you got
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  Speaker 3: through that, but I'm proud of you. So May twenty twenty,
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  Speaker 3: you had a daughter. Did you go back to work
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  Speaker 3: after that?
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  Speaker 2: So? I took twelve months maternity leave.
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  Speaker 4: I ended up going back slightly early for strategic reasons.
• 14:34
  Speaker 4: We were coming up to Easter an Zach Day, public holidays,
• 14:38
  Speaker 4: so I returned like two or three weeks early so
• 14:41
  Speaker 4: that I could ease into it with the public holidays
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  Speaker 4: and get paid for those.
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  Speaker 3: Smart girl. Yeah you a strategy, queen, Yes.
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  Speaker 4: And then so I returned to work on a flexible
• 14:55
  Speaker 4: work arrangement three days a week. I was doing thirty hours,
• 15:00
  Speaker 4: and because we were still in pretty much in and
• 15:03
  Speaker 4: out of lockdowns, the office wasn't fully opened, I was
• 15:08
  Speaker 4: able to work a couple of hours while my daughter
• 15:13
  Speaker 4: was napping on my off days to make up the
• 15:16
  Speaker 4: thirty hours rather than doing three ten hour days.
• 15:19
  Speaker 3: Good girl, I love that. And you said you have
• 15:22
  Speaker 3: two babies. When did number two come along?
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  Speaker 2: Number two came along in July twenty twenty two.
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  Speaker 3: Exciting. What age gap is that? That's like twenty two
• 15:31
  Speaker 3: years two months, two years two. I'm like twenty months
• 15:34
  Speaker 3: or twenty six months? Yeah, good job, how exciting? What's
• 15:38
  Speaker 3: that age gap?
• 15:39
  Speaker 2: Like? It was really hard to begin with. I think
• 15:44
  Speaker 2: my algorithm told me that going from zero to one
• 15:49
  Speaker 2: was harder than going from one to two. I don't agree.
• 15:53
  Speaker 4: Going from one to two was much much more of
• 15:56
  Speaker 4: a shock wake up call than it was zero to one.
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  Speaker 2: But I did have a unicorn baby first, so she
• 16:05
  Speaker 2: slept well. She was very chill.
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  Speaker 3: If you don't know that at the time, do you
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  Speaker 3: just think that's parenting?
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  Speaker 4: And I was like, oh, like I was able to
• 16:14
  Speaker 4: bake and exercise and have my rest and keep the
• 16:18
  Speaker 4: house in order.
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  Speaker 2: And then two of them. I was like, yeah, no, this,
• 16:24
  Speaker 2: you need to lower your expectations. I love that.
• 16:27
  Speaker 3: I was talking to one of my girlfriends the other
• 16:29
  Speaker 3: day who has three, and she's always just been this
• 16:32
  Speaker 3: like superhero mum right like, and she's had relatively good kids,
• 16:36
  Speaker 3: and like she'd always say things like, oh my god,
• 16:38
  Speaker 3: like you know, I'm just really trying so hard to
• 16:40
  Speaker 3: be a good parent. It's really paying off forever. Her
• 16:43
  Speaker 3: third kid is now what eleven months old, and has
• 16:47
  Speaker 3: humbled her Like She's like, no, none of that was me.
• 16:51
  Speaker 3: None of that was me. We just had two really
• 16:53
  Speaker 3: good kids, and I was deluded into having a third,
• 16:55
  Speaker 3: and I love them to the edge of the earth.
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  Speaker 3: But also, what the hell is this?
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  Speaker 2: Yes, I can empathize with that.
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  Speaker 3: I feel like that that sounds reasonable. Maybe I should
• 17:05
  Speaker 3: introduce the two of you to share some trauma. And
• 17:07
  Speaker 3: now take us up to today. Did you go back
• 17:09
  Speaker 3: to work after your second baby?
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  Speaker 2: Yeah, so I went back to work.
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  Speaker 4: So I'm back at work now full time, but I
• 17:17
  Speaker 4: have still on a flexible work arrangement where I work
• 17:21
  Speaker 4: full time hours in four days.
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  Speaker 3: Oh nice.
• 17:24
  Speaker 2: Yeah, so we've kind of said it.
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  Speaker 4: I had my set of values for how I pictured
• 17:32
  Speaker 4: mothering and parenting, and my limit for daycare was three days,
• 17:37
  Speaker 4: so I only wanted them in some sort of care
• 17:41
  Speaker 4: for three days at most. And we my husband and
• 17:45
  Speaker 4: I have worked together to make it that I have
• 17:50
  Speaker 4: one day off a week, he has one day off
• 17:52
  Speaker 4: with them a week.
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  Speaker 2: Then my eldest is kindy age, so she is in
• 17:57
  Speaker 2: a kindy three days a week, and then my youngest
• 18:00
  Speaker 2: is at daycare two days.
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  Speaker 4: And then we're very lucky to have the support of
• 18:05
  Speaker 4: our grandparents or their grandparents.
• 18:08
  Speaker 1: My parents.
• 18:09
  Speaker 2: The grandparents are around.
• 18:11
  Speaker 4: To look after them during school holidays and on the
• 18:16
  Speaker 4: one day that my youngest isn't at daycare, and my
• 18:19
  Speaker 4: eldest got that because everything was shut.
• 18:22
  Speaker 2: Down when she started daycare.
• 18:24
  Speaker 4: She actually had alternating days with the grandparents when I
• 18:28
  Speaker 4: first went back to work with her.
• 18:30
  Speaker 3: I feel like you've got your village sorted. That is
• 18:32
  Speaker 3: a good position to be in.
• 18:33
  Speaker 4: We have a really beautiful village of people who are
• 18:36
  Speaker 4: happy to jump in and help, not just family, but
• 18:39
  Speaker 4: friends as well. A little side story is so I
• 18:44
  Speaker 4: had a beautiful home birth with my second of really yeah, beautiful.
• 18:50
  Speaker 4: Loved it, everything went smooth, loved not having to get
• 18:54
  Speaker 4: in the car, was having contractions, and then six weeks postpartum,
• 18:59
  Speaker 4: my opinion.
• 19:00
  Speaker 3: Gave up or getting the bin.
• 19:03
  Speaker 2: It didn't go in the bin.
• 19:06
  Speaker 4: So it gave up and I had to rally the
• 19:11
  Speaker 4: troops basically to help because so she is six weeks old.
• 19:17
  Speaker 2: Luckily I had like a freezer supply of breast milk.
• 19:20
  Speaker 3: I was gonna say, were you breastfeeding as well, because
• 19:22
  Speaker 3: that would have thrown your breastfeeding into a spin, especially
• 19:25
  Speaker 3: with like all the medications and sedation, and like, oh
• 19:27
  Speaker 3: my god, no, like that's all my head went to.
• 19:31
  Speaker 2: Yeah, first thing I packed breast fun The nurses were like.
• 19:35
  Speaker 3: You're mad, I am, but also this is important to me.
• 19:38
  Speaker 3: And it's funny because before you said something that resonated
• 19:41
  Speaker 3: with me. You said I had this idea of what
• 19:44
  Speaker 3: I wanted my parenting journey to be like. And that's
• 19:46
  Speaker 3: exactly like me, Like there's no right, there's no wrong,
• 19:49
  Speaker 3: but like I'm the same as you and my husband,
• 19:52
  Speaker 3: and I've worked out how we both have a full
• 19:54
  Speaker 3: day off a week so that we can both have
• 19:56
  Speaker 3: Harvey that day. And like at the moment, he's still
• 19:58
  Speaker 3: only what like nineteen months old, so then he goes
• 20:01
  Speaker 3: to one of his grandparents on another day and then
• 20:04
  Speaker 3: he just does two days daycare And is that right
• 20:07
  Speaker 3: or wrong?
• 20:07
  Speaker 2: No?
• 20:08
  Speaker 3: But that's in my head what I liked the idea
• 20:11
  Speaker 3: of and you said, I liked the idea of three
• 20:13
  Speaker 3: days and pop off queen. But I love that we
• 20:15
  Speaker 3: can have these conversations because it's not like you know
• 20:18
  Speaker 3: the right thing to do is ex because there's no
• 20:20
  Speaker 3: right or wrong, but like, that's what makes me feel
• 20:22
  Speaker 3: comfortable as a parent.
• 20:24
  Speaker 2: Exactly, it's what's right for you.
• 20:25
  Speaker 3: And if breastfeeding while you're pumping while you're in the
• 20:29
  Speaker 3: hospital for your appendix is what you want to do,
• 20:31
  Speaker 3: pop off queen.
• 20:33
  Speaker 4: And so we rally the village had someone dropping off
• 20:38
  Speaker 4: newborn bottles.
• 20:40
  Speaker 2: Had lucky.
• 20:41
  Speaker 4: I have a friend who's a paramedic nurse, so she
• 20:44
  Speaker 4: taught me how to hospital because I didn't know. I
• 20:46
  Speaker 4: rocked up at the hospital and I was like with
• 20:48
  Speaker 4: my mom, I'm like, I don't know how to hospital.
• 20:50
  Speaker 2: Where do I go? What do I do?
• 20:52
  Speaker 3: I wouldn't know either, And also I don't like it either.
• 20:56
  Speaker 4: No, and so, and we had friends come over to
• 20:59
  Speaker 4: keep my eldest company, had people to come relieve my husband.
• 21:05
  Speaker 2: Like it was just it showed me how important it
• 21:09
  Speaker 2: is to have a village.
• 21:11
  Speaker 3: Good job. A good job. All right, So you've got
• 21:14
  Speaker 3: two babies. Currently you do four days per week, but
• 21:17
  Speaker 3: full time hours three days daycare village around you. Tell
• 21:21
  Speaker 3: me what do your husband and you do for work?
• 21:23
  Speaker 3: But you've got this great flexibility.
• 21:25
  Speaker 2: Yeah. So I'm an executive assistant.
• 21:28
  Speaker 4: I mainly work from home at the moment, although I
• 21:32
  Speaker 4: think that will change at some point and I won't
• 21:35
  Speaker 4: be stoked about it because I love working from home.
• 21:38
  Speaker 2: But I get the job done and I do it well.
• 21:41
  Speaker 2: And my husband is a senior relationship manager.
• 21:46
  Speaker 4: Now he's just been promoted, which is awesome for a
• 21:51
  Speaker 4: finance company.
• 21:52
  Speaker 2: So hey, that's cool.
• 21:53
  Speaker 3: And neither of you wanted to go to UNI.
• 21:55
  Speaker 2: No, no, none of us.
• 21:57
  Speaker 3: What kind of incomes are you earning?
• 21:59
  Speaker 2: What like?
• 22:00
  Speaker 3: As an EA, what do you earn? And then what
• 22:01
  Speaker 3: does your husband earn?
• 22:02
  Speaker 2: Yeah?
• 22:03
  Speaker 4: So I am on ninety eight thousand a year and
• 22:08
  Speaker 4: that's with twelve percent superincluded, I believe.
• 22:13
  Speaker 2: And then my husband, I think he's on about one hundred.
• 22:17
  Speaker 4: And fifteen full time, but he only works four days
• 22:22
  Speaker 4: a week, so minus twenty percent of that.
• 22:24
  Speaker 3: Yeah cool, Oh my god, I love this. So tell
• 22:28
  Speaker 3: me a bit more. Like you obviously have a good income,
• 22:31
  Speaker 3: You've got your two babies. You've had a very good,
• 22:34
  Speaker 3: like I would say, trajectory of like being able to
• 22:36
  Speaker 3: travel and come back and own your house. Like what
• 22:38
  Speaker 3: a little dream? How good? What are your next big
• 22:41
  Speaker 3: money goals? Cause, like, you're not planning for a wedding?
• 22:44
  Speaker 3: Are you two and done? Are we planning for more babies?
• 22:47
  Speaker 2: Like?
• 22:47
  Speaker 3: I feel rude asking, but then I'm also like, low,
• 22:49
  Speaker 3: it's anonymous. I can ask these questions without it being
• 22:52
  Speaker 3: rude because it's actually a finance one. Tell me about
• 22:55
  Speaker 3: what does the future money goal thing look like?
• 22:58
  Speaker 2: Yeah, so two we are done because we have purchased
• 23:03
  Speaker 2: a caravan with two bunk beds.
• 23:05
  Speaker 3: Okay, we're done. Yeah, we don't actually have any more
• 23:07
  Speaker 3: space on top and tailing there'd be too much fighting.
• 23:09
  Speaker 2: Yeah. So that was the.
• 23:11
  Speaker 4: That was aciding pact. And though we were always planning
• 23:14
  Speaker 4: to and done. So big money goal at the moment
• 23:17
  Speaker 4: is to save up for a new car.
• 23:22
  Speaker 2: That can toe the caravan a little bit easier than
• 23:27
  Speaker 2: the current car.
• 23:28
  Speaker 3: I was about to say, do you have a car
• 23:29
  Speaker 3: that can't toe the caravan you book, because that's kind
• 23:31
  Speaker 3: of low key funny.
• 23:32
  Speaker 4: No, it can toe, it works hard. We want a
• 23:36
  Speaker 4: car that can toe heavier so it doesn't.
• 23:39
  Speaker 2: Have to work as hard.
• 23:40
  Speaker 3: Yeah, maybe you can take luggage with you, that would
• 23:42
  Speaker 3: be good. Yeah yeah, the kids can come, yeah yeah yeah,
• 23:46
  Speaker 3: but until then sorry child free holidays only. What else
• 23:50
  Speaker 3: are you currently working towards?
• 23:51
  Speaker 4: So that and then I guess the bigger money goal
• 23:56
  Speaker 4: is I mean all the life stuff saving up for
• 24:00
  Speaker 4: just to give the.
• 24:01
  Speaker 2: Girls the choice of education, whether we go public schools
• 24:06
  Speaker 2: or private schools.
• 24:07
  Speaker 4: And the biggest part I guess of our money goal
• 24:11
  Speaker 4: is to save up to be able to do longer
• 24:15
  Speaker 4: trips in the caravan and explore Australia, because neither of
• 24:19
  Speaker 4: us have done Like we've traveled Europe, we've traveled Canada,
• 24:24
  Speaker 4: but we haven't traveled around Australia. And that's what we
• 24:28
  Speaker 4: want to do with the girls while they're on the
• 24:32
  Speaker 4: younger side of things, so that we can get those
• 24:36
  Speaker 4: core memories and just enjoy that simple family time.
• 24:39
  Speaker 3: And Australia is beautiful, like just there's so much to
• 24:43
  Speaker 3: explore in the fact that you can kind of pack
• 24:45
  Speaker 3: up a caravan and go, like what a dream. I
• 24:47
  Speaker 3: love this for you, so I.
• 24:49
  Speaker 2: Want to share just I guess how we were able
• 24:52
  Speaker 2: to purchase the caravan. Yes, please, because it's a bit unique.
• 24:57
  Speaker 3: I was about to say, like that we can talk
• 24:58
  Speaker 3: about debt, but also so tell me how did you
• 25:01
  Speaker 3: purchase the caravan?
• 25:03
  Speaker 4: So we purchased the caravan because we were given early
• 25:07
  Speaker 4: access to some inheritance.
• 25:09
  Speaker 3: Oh very cool. How did that eventuate? Is that something
• 25:11
  Speaker 3: you were like, hey, can we get it? Or were
• 25:13
  Speaker 3: they suggesting it? Or they so they suggested it. They've
• 25:17
  Speaker 3: helped two siblings as well. They wanted us to have it,
• 25:21
  Speaker 3: and I actually struggled with it for a while after
• 25:26
  Speaker 3: they'd given us the money, and I was like, oh,
• 25:28
  Speaker 3: what do we do?
• 25:30
  Speaker 4: Like should we be more responsible and put it all
• 25:33
  Speaker 4: in the mortgage or should we be investing it?
• 25:37
  Speaker 2: What should we be doing? And it was actually something
• 25:40
  Speaker 2: my dad said that made it feel like it was
• 25:42
  Speaker 2: okay to spend on the caravan. And that was he was.
• 25:47
  Speaker 2: He said two things.
• 25:48
  Speaker 4: Actually, one he said, I wish we had done more
• 25:51
  Speaker 4: big things as a family when we were kids, and
• 25:55
  Speaker 4: my mom and I looked at each other and we
• 25:57
  Speaker 4: were like, you're crazy.
• 25:58
  Speaker 2: We did lots as a family, so no, you didn't
• 26:02
  Speaker 2: need to do more.
• 26:03
  Speaker 4: But he also said, your kids won't remember you paying
• 26:06
  Speaker 4: off the mortgage early, but they will remember the holidays
• 26:11
  Speaker 4: and the trips that you do.
• 26:12
  Speaker 2: And he said, you know what, if you get into
• 26:15
  Speaker 2: a bind, you can sell it.
• 26:16
  Speaker 3: I mean he's not wrong, you see, he's not. And
• 26:19
  Speaker 3: I feel like caravans, like I'm probably not looking at
• 26:22
  Speaker 3: them as investment opportunities, but they do definitely hold their value,
• 26:27
  Speaker 3: like they're not the worst thing in the world. Like
• 26:29
  Speaker 3: I've I've had a lot of clients buy a lot
• 26:31
  Speaker 3: of caravans, and I've always been super shocked at how
• 26:35
  Speaker 3: much they can still sell them for. And like I
• 26:37
  Speaker 3: even had one client, actually two clients who have you know,
• 26:41
  Speaker 3: just added modifications like updated the like you know, backsplashes
• 26:45
  Speaker 3: in their kitchens and stuff in their caravans and sold
• 26:47
  Speaker 3: them for more like a couple of years later after
• 26:49
  Speaker 3: they're like, oh my god, like you know, we're over this.
• 26:51
  Speaker 3: The kids don't want to go anymore because I feel
• 26:53
  Speaker 3: like there's a period of time and like I don't
• 26:55
  Speaker 3: know about this because of my experience, but just from
• 26:58
  Speaker 3: other people's. Your kids when they're young love the caravaning life,
• 27:02
  Speaker 3: but like once they become like mid teenagers, they have
• 27:05
  Speaker 3: no interest in sharing a space with the parents. So
• 27:08
  Speaker 3: that seemed to be when parents started to go, look,
• 27:11
  Speaker 3: we're just going to get rid of the caravan. It's
• 27:12
  Speaker 3: more hassle than it's worth. But that's when they were
• 27:15
  Speaker 3: selling it for more, and I was like, what the heck,
• 27:16
  Speaker 3: this is not where I thought that you would get
• 27:18
  Speaker 3: extra cash from.
• 27:19
  Speaker 2: Yeah, very cool though.
• 27:21
  Speaker 3: And I'm glad that you're doing it while they're young.
• 27:22
  Speaker 3: How exciting.
• 27:24
  Speaker 2: Yes, it's very exciting.
• 27:25
  Speaker 3: All right, let's go to a really quick break because
• 27:27
  Speaker 3: on the flip side, I just have a lot of questions,
• 27:29
  Speaker 3: like I feel like you've got some good and bad
• 27:31
  Speaker 3: money habits, but I also want to know more about
• 27:33
  Speaker 3: this house, your debt on the house, any other debts,
• 27:36
  Speaker 3: and I want to talk about investments. So guys, don't
• 27:39
  Speaker 3: go anywhere. All right, money drives. We are back, and
• 27:45
  Speaker 3: I have been adoring your money story. I've like probably
• 27:48
  Speaker 3: been looking down to you the whole time. It's because
• 27:50
  Speaker 3: I'm taking obsessive notes and just making sure I'm keeping
• 27:53
  Speaker 3: up because I'm like, oh, this is a journey, okay,
• 27:54
  Speaker 3: And in twenty eighteen you did what all right? And
• 27:56
  Speaker 3: then from jan twenty nineteen, I'm like, Okay, cool, like,
• 27:59
  Speaker 3: I'm just key be in track, but talk to me
• 28:02
  Speaker 3: about investing. Like, I feel like you guys, for the
• 28:05
  Speaker 3: first half of your lives probably weren't that interested in it.
• 28:08
  Speaker 3: But like, girl, you listen to She's on the Money,
• 28:10
  Speaker 3: so like, tell me about any investments you hold or
• 28:13
  Speaker 3: your thoughts around investing for the future.
• 28:15
  Speaker 2: Yeap, you are correct.
• 28:16
  Speaker 4: We weren't interested in investing earlier, but now we do
• 28:21
  Speaker 4: have a few investments. So since listening to She's on
• 28:25
  Speaker 4: the Money, I have opened a comsept Pocket account and
• 28:31
  Speaker 4: a Chasie's account and I've got some funds split across those.
• 28:38
  Speaker 4: The Sharese's is quite a range of things. I kind
• 28:42
  Speaker 4: of didn't really have a strategy. It was well, I
• 28:46
  Speaker 4: got a list from my dud's financial advisor of who
• 28:50
  Speaker 4: he has shares with and I just went, okay.
• 28:53
  Speaker 3: I'm just going to copy cool, no worries.
• 28:55
  Speaker 2: So did that. And then the comset Pocket you kind
• 29:00
  Speaker 2: of just pick.
• 29:01
  Speaker 3: One of their six ETFs that.
• 29:03
  Speaker 2: They are one of their few yeah, and I just
• 29:06
  Speaker 2: did that.
• 29:06
  Speaker 4: I was like, I think we've got some Australian ones,
• 29:09
  Speaker 4: some environmental ones.
• 29:11
  Speaker 3: Yeah, for those playing along at home who are like
• 29:13
  Speaker 3: maybe not in the investing market. Yet. Concept Pocket, I
• 29:17
  Speaker 3: would say, is more of a micro investing platform where
• 29:20
  Speaker 3: Comsec has chosen to create this like refined platform where
• 29:26
  Speaker 3: when you log in, I might be wrong with six,
• 29:28
  Speaker 3: but it's like between six and twelve ETFs that their
• 29:31
  Speaker 3: brokers have specifically picked that you can choose from, so
• 29:34
  Speaker 3: you have really limited options. It doesn't mean it's worse
• 29:36
  Speaker 3: or better. It just means you have limited options. And
• 29:39
  Speaker 3: a lot of people like that because they're like, I've
• 29:41
  Speaker 3: got analysis paralysis, but I want to invest, and I
• 29:43
  Speaker 3: also don't want to like pick from the entire share market.
• 29:47
  Speaker 3: And then shares Is, which we talk about on the
• 29:49
  Speaker 3: show all the time, is a full service platform, so
• 29:52
  Speaker 3: you have access to every single thing on the Australian market,
• 29:56
  Speaker 3: every single thing on the US market, the same for
• 29:58
  Speaker 3: New Zealand. Like an, I feel like that can then
• 30:01
  Speaker 3: be a little bit overwhelming. Is that why you're like, oh,
• 30:04
  Speaker 3: I've got a range, like because there's just so many
• 30:07
  Speaker 3: options or is that just because you're like I copied
• 30:10
  Speaker 3: my dad's financial plan or like what's that looking like
• 30:14
  Speaker 3: moving into the future.
• 30:15
  Speaker 4: Yeah, so some of them I was just say, oh,
• 30:17
  Speaker 4: I know this company, I'm going to buy a share
• 30:20
  Speaker 4: in it. So I've got things like Coke down a
• 30:26
  Speaker 4: EDI like NAB. There's a big range of shares.
• 30:32
  Speaker 2: It's not that much money.
• 30:34
  Speaker 4: Like we've only got two and a half grand in there,
• 30:36
  Speaker 4: and I don't put into it regularly. But I've just
• 30:40
  Speaker 4: realized that I want to now a bit more regularly.
• 30:45
  Speaker 4: With some of the money that I make from my side,
• 30:49
  Speaker 4: hustle will start. I think I'm going to start putting
• 30:52
  Speaker 4: like twenty percent of each job in there just to invest.
• 30:58
  Speaker 3: Yeah, no, love, love. And this is why asking questions
• 31:00
  Speaker 3: because I'm like, well, what does that actually look like
• 31:02
  Speaker 3: for you? How does that work? Because it's just different
• 31:05
  Speaker 3: for everybody, And like that's the frustrating thing because I
• 31:08
  Speaker 3: think once you start investing, right, like I feel like
• 31:10
  Speaker 3: all of us we go, I want to start investing,
• 31:13
  Speaker 3: and then you're just looking for the answer, and you're
• 31:16
  Speaker 3: hoping that the answer is like you'll somehow stumble on
• 31:19
  Speaker 3: someone that says you need to download Chaisias and then
• 31:22
  Speaker 3: you need to buy these two ETFs and then everything
• 31:25
  Speaker 3: will become clear. And that's just not how it works
• 31:27
  Speaker 3: because everyone has a different situation. And even if right
• 31:32
  Speaker 3: I said, do that one, I would be in breach
• 31:34
  Speaker 3: of my financial services license, so we won't be doing that.
• 31:37
  Speaker 3: But true, I know enough about the investing world that
• 31:40
  Speaker 3: that would be wildly irresponsible because what works for you
• 31:44
  Speaker 3: is not going to work for the next person and
• 31:46
  Speaker 3: the person after that. Like, it's just crazy how different
• 31:49
  Speaker 3: everyone needs to invest, and that's why you have to
• 31:51
  Speaker 3: invest time and energy in working out what you're going
• 31:54
  Speaker 3: to do. So what's the plan for your bigger investments
• 31:57
  Speaker 3: for the future? Like, talk to me about Superannua. How's
• 32:00
  Speaker 3: that tracking? You've been working since you were very young,
• 32:03
  Speaker 3: so I'm assuming it's looking all right.
• 32:05
  Speaker 4: Yeah, I don't know what is normal for someone my age,
• 32:09
  Speaker 4: but I did spend six years out of the workforce
• 32:13
  Speaker 4: as well. So my super is sitting at eighty two
• 32:16
  Speaker 4: thousand and my husband's is at ninety one thousand.
• 32:21
  Speaker 3: How old is your husband?
• 32:22
  Speaker 2: Thirty four?
• 32:23
  Speaker 3: So, like, the average balance for someone in their mid
• 32:26
  Speaker 3: to late thirties falls between seventy to ninety thousand dollars,
• 32:30
  Speaker 3: and you are just smack bang in the middle, even
• 32:32
  Speaker 3: though you took some time off. That might not be
• 32:34
  Speaker 3: how much you want to have in there for future planning.
• 32:37
  Speaker 3: But like, you're not far behind. And then men is
• 32:40
  Speaker 3: slightly higher than that, but we don't care so much
• 32:43
  Speaker 3: about their superannuation balances. I just care about bumping the women's.
• 32:46
  Speaker 3: So anyway, that's a good thing. Yeah, I love that,
• 32:50
  Speaker 3: and I love that you know your numbers as well,
• 32:52
  Speaker 3: because that's really really important. Talk to me about debt.
• 32:55
  Speaker 3: So you bought your house I believe you purchased that
• 32:58
  Speaker 3: in twenty eleven, rented it out, organized the income from
• 33:03
  Speaker 3: the rental was paying the mortgage and a little bit more.
• 33:07
  Speaker 3: What does that look like today? Like, give me the
• 33:09
  Speaker 3: nitty gritty. How much did you purchase a house for
• 33:11
  Speaker 3: in twenty eleven.
• 33:13
  Speaker 4: And twenty eleven, we purchased a house for four hundred
• 33:15
  Speaker 4: and thirty five. I can't remember how much the mortgage
• 33:19
  Speaker 4: was at that point, but we just scraped through not
• 33:22
  Speaker 4: paying lender's mortgage insurance.
• 33:25
  Speaker 2: And that was because we worked for a bank.
• 33:28
  Speaker 3: Does that mean that you got a ten percent deposit
• 33:30
  Speaker 3: and no l am I as well, because most banks
• 33:32
  Speaker 3: back then I think did that deal.
• 33:34
  Speaker 2: Yeah. I think we may have even been like a
• 33:37
  Speaker 2: nine percent deposit and no l am I. Yeah.
• 33:39
  Speaker 3: Money win, money win. It's just gotten harder from there. Yes, yes,
• 33:43
  Speaker 3: So this.
• 33:43
  Speaker 4: House I couldn't see past the color of it. We
• 33:46
  Speaker 4: nearly didn't buy it. We had to go back to
• 33:48
  Speaker 4: it three or four times, and in that time it dropped.
• 33:51
  Speaker 3: Girl the color. The color, Yeah, well the price dropped
• 33:54
  Speaker 3: because clearly it was a really bad color.
• 33:56
  Speaker 2: Yeah, the price dropped. And having looked at the history
• 34:00
  Speaker 2: of the house, I'm pretty sure they made a loss,
• 34:03
  Speaker 2: which makes me feel sad for them, But when for me?
• 34:05
  Speaker 3: So we're not mad. We're not mad. So hold on,
• 34:08
  Speaker 3: what do you do about the color? Is your house
• 34:09
  Speaker 3: still really ugly?
• 34:10
  Speaker 2: It got painted?
• 34:11
  Speaker 3: Yeah, see there go you can fix those things. We
• 34:13
  Speaker 3: need to look beyond the cosmetics.
• 34:15
  Speaker 4: Exactly the first time we walked in, though I could
• 34:18
  Speaker 4: not see past it, I said to my husand I
• 34:21
  Speaker 4: was like, nah, we we can't buy this space.
• 34:23
  Speaker 2: It's ugly.
• 34:24
  Speaker 3: Oh my god, that is quite funny. But also I
• 34:26
  Speaker 3: want to be like, look past it, look at the
• 34:28
  Speaker 3: bones of the house. I can buy you some damn paint.
• 34:31
  Speaker 3: You don't like the carpet, I can rip it up.
• 34:34
  Speaker 4: So that house we actually sold in twenty twenty one, Okay,
• 34:39
  Speaker 4: and how much did you sell that for? So we
• 34:41
  Speaker 4: sold it for seven hundred and forty two thousand, five
• 34:47
  Speaker 4: hundred stop it.
• 34:49
  Speaker 3: How good is that? And what did you then do?
• 34:51
  Speaker 3: So you had a nice amount of equity to play
• 34:53
  Speaker 3: with to maybe purchase another house, is that right?
• 34:55
  Speaker 4: We did, so we sold that house in we'd have
• 35:00
  Speaker 4: been around mid twenty twenty one.
• 35:02
  Speaker 2: We actually were homeless for about three months.
• 35:06
  Speaker 3: But flush with cash, so that's all good.
• 35:09
  Speaker 4: Yeah, So we had no backup, no property that we
• 35:11
  Speaker 4: had to offer on or anything, because at that time
• 35:14
  Speaker 4: properties were going like so quickly that we couldn't have
• 35:20
  Speaker 4: the condition of to sell that place to buy a place.
• 35:26
  Speaker 4: So we went through, sold it, lived with the in
• 35:28
  Speaker 4: laws for about three months with just a one year
• 35:32
  Speaker 4: just turned.
• 35:33
  Speaker 2: One chaos, yes, and all our stuff went into.
• 35:36
  Speaker 4: A storage container and split between the two grandparents' housand
• 35:42
  Speaker 4: and then we actually the house that we're in now
• 35:45
  Speaker 4: we bought privately off market, no real estate agents or anything.
• 35:51
  Speaker 3: Oh, how did you work that out?
• 35:53
  Speaker 2: So we did get shown through the property, and they
• 35:57
  Speaker 2: hadn't signed with the real estate agent.
• 36:00
  Speaker 3: Or cheeky, they shouldn't have shown you through the property.
• 36:02
  Speaker 2: They were trying to decide whether they were going to
• 36:05
  Speaker 2: sell the property. The owners of this one. We're trying
• 36:08
  Speaker 2: to decide whether they were going to sell the property
• 36:10
  Speaker 2: off market or put it on market because they thought
• 36:14
  Speaker 2: they could get more for it, but they were empty masters,
• 36:18
  Speaker 2: there was too much maintenance. They were ready to move on.
• 36:22
  Speaker 2: So they were still deciding, and we'd had a look through.
• 36:27
  Speaker 4: It was pretty much perfect for everything we wanted, except
• 36:31
  Speaker 4: it didn't have a pool.
• 36:32
  Speaker 2: But for what they had been asking for it, we
• 36:36
  Speaker 2: had enough aside that we could put a pool in.
• 36:39
  Speaker 4: And I rate them a letter and dropped it in
• 36:43
  Speaker 4: their letterbox and said, thank you so much for inviting
• 36:47
  Speaker 4: us into the house to have a look. Totally understand
• 36:51
  Speaker 4: that you've got to do what's best for you if
• 36:53
  Speaker 4: you do need to take it to market, but we
• 36:55
  Speaker 4: can definitely see ourselves growing our family and growing our
• 36:59
  Speaker 4: kids old here like a bit of a tuget the heartstrings.
• 37:03
  Speaker 2: And then the owner called my husband and we went
• 37:08
  Speaker 2: from there like it just it worked. It happened.
• 37:11
  Speaker 4: We ran into them again at a local park and
• 37:16
  Speaker 4: the conversation continued and they sold.
• 37:19
  Speaker 2: Us the house.
• 37:20
  Speaker 3: Oh that's so good. So what did you purchase for?
• 37:23
  Speaker 4: So we purchased this place for nine hundred and forty
• 37:28
  Speaker 4: one thousand and five hundred and the mortgage that we've
• 37:33
  Speaker 4: got at the moment is five hundred and seventy one thousand.
• 37:38
  Speaker 3: Oh my god, how good. And what year did you
• 37:40
  Speaker 3: purchase that in because you sold in twenty twenty one
• 37:42
  Speaker 3: and that was mid twenty twenty one, so like early
• 37:44
  Speaker 3: twenty twenty two, is.
• 37:45
  Speaker 2: That no, say September twenty twenty one we purchased Yeah.
• 37:49
  Speaker 3: How exciting. And then do you know what the house
• 37:51
  Speaker 3: is worth now? Because like, sorry, I know you're in Queensland.
• 37:54
  Speaker 3: I won't be more specific than that. And property in
• 37:57
  Speaker 3: Queensland since then has done relatively well.
• 37:59
  Speaker 2: Yes, so the high kind of value of the house
• 38:04
  Speaker 2: is one point five.
• 38:06
  Speaker 3: Look at you guys, go you got some nice equity.
• 38:09
  Speaker 3: I have to ask you said, oh, it doesn't have
• 38:11
  Speaker 3: a pool. So as a Melbournian, I interviewed a money
• 38:14
  Speaker 3: DRIs a couple of weeks ago and she was like,
• 38:16
  Speaker 3: oh my god, we have a pool. And I was like,
• 38:17
  Speaker 3: oh bougie. But I feel like most houses in Queensland
• 38:20
  Speaker 3: actually have a pool, so like that's fine, And that
• 38:23
  Speaker 3: also makes sense because you were like the empty nesters.
• 38:25
  Speaker 3: There was a lot of costs and I was about
• 38:27
  Speaker 3: to be like, is it because there's pool maintenance? Did
• 38:29
  Speaker 3: you put in a pool? Is that something you don't have?
• 38:32
  Speaker 3: Like it seems like the way you said it, there
• 38:34
  Speaker 3: was a value there that you were like, I want
• 38:36
  Speaker 3: a pool.
• 38:37
  Speaker 2: Yeah, we put a pool in.
• 38:38
  Speaker 3: Ah, how much does it cost to put in a pool?
• 38:41
  Speaker 4: So that was I feel like it was about sixty thousand.
• 38:47
  Speaker 4: But we got landscaping done as well, so we got
• 38:51
  Speaker 4: proper drainage under the grass and everything. And yeah, so
• 38:55
  Speaker 4: it's about sixty thousand for the pool, fence and landscape.
• 39:00
  Speaker 3: That feels more reasonable than I thought it would be.
• 39:03
  Speaker 4: Yeah, so that was back in twenty twenty one. I
• 39:06
  Speaker 4: think it's more well, No, it was early twenty twenty
• 39:08
  Speaker 4: two that it got finished. It got finished just in
• 39:12
  Speaker 4: time for Australia Day.
• 39:13
  Speaker 3: I think, oh, how good, so you could enjoy the
• 39:16
  Speaker 3: rest of summer.
• 39:17
  Speaker 2: Yeah, and then the landscaping got finished just before giving birth.
• 39:21
  Speaker 3: To my second So yeah, you don't need that type
• 39:24
  Speaker 3: of stress. So you purchased for nine hundred and forty
• 39:27
  Speaker 3: one thousand. Current mortgage is five hundred and seventy one thousand.
• 39:31
  Speaker 3: It's worth about one point five mil. Tell me, do
• 39:34
  Speaker 3: you have any other debts.
• 39:36
  Speaker 2: So we do have a solar loan that we got
• 39:41
  Speaker 2: purely we had the cash. We got it because the
• 39:45
  Speaker 2: interest rate was zero point nine nine percent and we
• 39:49
  Speaker 2: were like, well, we'll just keep that cash offsetting the mortgage.
• 39:53
  Speaker 3: And smart see strategy, queen.
• 39:57
  Speaker 2: Yeah, it does pay to know people in a bank
• 40:02
  Speaker 2: and remaining friends with them. But yeah, so we got
• 40:06
  Speaker 2: the solar.
• 40:07
  Speaker 4: There's about nine thousand dollars owing on that from what
• 40:11
  Speaker 4: was and it was like twelve or thirteen thousand, three
• 40:15
  Speaker 4: years ago, which we're not paying extra off on that
• 40:18
  Speaker 4: at the moment.
• 40:19
  Speaker 3: If the interest rate's good and it's popping along, your
• 40:21
  Speaker 3: money's working harder on your mortgage anyway, exactly.
• 40:24
  Speaker 4: And then we also have a credit card which gets
• 40:27
  Speaker 4: paid off each month like the total amount owing, so
• 40:31
  Speaker 4: there's no interest paid on that. It is just a
• 40:35
  Speaker 4: tool to pay for everything, get points, and have the
• 40:40
  Speaker 4: money sit against our mortgage for the extra thirty days
• 40:43
  Speaker 4: that it can.
• 40:44
  Speaker 3: Smart girl, tell me a bit more, because I feel
• 40:47
  Speaker 3: like all of this, like, you know, I met my
• 40:51
  Speaker 3: husband when I was like sixteen, started dating at eighteen,
• 40:54
  Speaker 3: Like we didn't go to UNI, like a money story
• 40:57
  Speaker 3: could have looked very very different, like it could have
• 40:59
  Speaker 3: just been not the way that it has worked out
• 41:02
  Speaker 3: for you guys, And you know you are clearly very intelligent.
• 41:05
  Speaker 3: You clearly have your heads like screwed on properly. So
• 41:08
  Speaker 3: you've made it not just work, but like you are
• 41:11
  Speaker 3: I would say, thriving in this situation. How have you
• 41:15
  Speaker 3: done that? What is your best money habit? What can
• 41:17
  Speaker 3: we learn from you? Because I think that there is
• 41:19
  Speaker 3: this narrative out there that to be successful you have
• 41:22
  Speaker 3: to go to university, and that's just not the damn case,
• 41:24
  Speaker 3: Like most of my team have not gone to university.
• 41:27
  Speaker 3: Like from my perspective now as an adult, it doesn't matter.
• 41:31
  Speaker 3: But the pressure is put on you when you're like
• 41:33
  Speaker 3: at school, what are you going to do? You need
• 41:35
  Speaker 3: a job that starts with an a, like you need
• 41:37
  Speaker 3: to be a doctor, a lawyer, a engineer or something,
• 41:40
  Speaker 3: and then all of a sudden, that's just not how
• 41:42
  Speaker 3: the world works. What's your best money habit? How have
• 41:46
  Speaker 3: you done so well?
• 41:47
  Speaker 2: Well, that's money habit?
• 41:49
  Speaker 4: I think just I don't even know because it doesn't
• 41:52
  Speaker 4: feel like we have that many good have many good habits,
• 41:57
  Speaker 4: But I guess it's just one looking for the best
• 42:00
  Speaker 4: deal or the smartest way to make the money work
• 42:05
  Speaker 4: for us, and talking to people who know more than us,
• 42:08
  Speaker 4: and being not afraid to ask for help or ask
• 42:12
  Speaker 4: the questions that might seem silly at the time.
• 42:15
  Speaker 2: And yeah, like literally, it's always looking for the best deal.
• 42:18
  Speaker 4: Like my husband is very good at finding He's much
• 42:23
  Speaker 4: more patient than I am. I am like, well, I
• 42:27
  Speaker 4: want it, we need it, just get it wherever you
• 42:30
  Speaker 4: can get it fastest, but he will look into it.
• 42:33
  Speaker 4: We do utilize marketplace a lot for buying and selling,
• 42:38
  Speaker 4: so I think that's something as well. Like we literally
• 42:42
  Speaker 4: this morning sold our pram because we don't need it anymore.
• 42:46
  Speaker 2: And so that was a nice little cash infusion.
• 42:49
  Speaker 3: Nice. How much what pram did you have? I need
• 42:51
  Speaker 3: to know? Was this a good investment?
• 42:53
  Speaker 2: Yeah? So we had the Bugaboo Donkey Gorge.
• 42:56
  Speaker 3: How did we like it?
• 42:57
  Speaker 2: Yeah? I loved it. Went from an.
• 42:58
  Speaker 4: Upper baby Vista to the Bugaboo Donkey because I couldn't
• 43:02
  Speaker 4: picture having two kids on top of each other.
• 43:05
  Speaker 2: I needed them side by side.
• 43:07
  Speaker 3: That's absolutely fair.
• 43:08
  Speaker 2: And I loved by Vista. I loved it.
• 43:11
  Speaker 3: See I'm a Vista hater. I'm a Vista hater. I
• 43:13
  Speaker 3: think that they're so big and so clunky and so heavy,
• 43:17
  Speaker 3: and I'm very lucky that I've never had one. But
• 43:20
  Speaker 3: I have looked after my friends and families kids who
• 43:22
  Speaker 3: have Vistas, and I was like, I'm never getting this pram. Like,
• 43:26
  Speaker 3: but you know what, once you have a Vista, I
• 43:28
  Speaker 3: feel like you join a cult and then everybody is
• 43:31
  Speaker 3: a Vista mam, and you're talking about your adaptations and
• 43:33
  Speaker 3: stuff that you can put on there and how much
• 43:35
  Speaker 3: you can fit in your basket, and I just don't care.
• 43:37
  Speaker 3: I got the pram that was most compact and I
• 43:39
  Speaker 3: could pick up and put in my car with one hand,
• 43:42
  Speaker 3: like sligh, because you can't do that with your Vista.
• 43:44
  Speaker 2: Can you. You can't. You can't do that with the
• 43:46
  Speaker 2: Donkey either. No.
• 43:49
  Speaker 3: But I feel like once you have two kids, you
• 43:52
  Speaker 3: just don't have a choice. You're going to have to
• 43:53
  Speaker 3: go down like the heavy pram route. Like one, you're
• 43:56
  Speaker 3: living a life of luxury. Two you do what you
• 43:59
  Speaker 3: got to do.
• 44:00
  Speaker 4: Yeah, that's exactly it. And yes, so yes, it was
• 44:03
  Speaker 4: a good investment. We bought it from marketplace. I'm not
• 44:06
  Speaker 4: actually sure. I think we may have sold it for
• 44:09
  Speaker 4: more than what we bought it for because I can't
• 44:11
  Speaker 4: remember what we bought it for.
• 44:12
  Speaker 3: Well, if you bought it secondhand, what did you sell
• 44:15
  Speaker 3: it for?
• 44:15
  Speaker 2: I put it up for five thirty five.
• 44:18
  Speaker 3: That's a good deal. And did they like bargain you
• 44:19
  Speaker 3: down or to just say it's great, I'll take it
• 44:21
  Speaker 3: for five thirty five.
• 44:22
  Speaker 2: No, they just took it.
• 44:24
  Speaker 4: And I mean we did have additions to it, so
• 44:27
  Speaker 4: probably overall we came out even.
• 44:30
  Speaker 3: Yeah, and I mean those things for those playing along
• 44:33
  Speaker 3: who maybe don't live in the pram world like us,
• 44:35
  Speaker 3: that's like a two and a half thousand dollars pram
• 44:37
  Speaker 3: after you add like the additional seats and like the
• 44:39
  Speaker 3: liners and whatever else you have to buy, Like she's Spinos,
• 44:42
  Speaker 3: So that's a good deal. I love this for you.
• 44:45
  Speaker 3: Are there any other ways that you've been injecting cash
• 44:47
  Speaker 3: into your house? I had a sneaky suspicion that there
• 44:50
  Speaker 3: might be one, because you know, I'm not going to
• 44:53
  Speaker 3: give her like identity away, but her email address has
• 44:56
  Speaker 3: UGC in it. So tell me about this journey.
• 45:00
  Speaker 2: Yes, so, oh, this is a journey.
• 45:03
  Speaker 4: So I started doing a side hustle of content creation
• 45:07
  Speaker 4: for brands in last year and it started because I
• 45:14
  Speaker 4: didn't really want.
• 45:16
  Speaker 2: To go back to work full time but couldn't afford not.
• 45:20
  Speaker 4: To, and started looking at ways to make money from home.
• 45:26
  Speaker 4: Fell for a few not scams, but scams, But there
• 45:32
  Speaker 4: was a light at the end of the tunnel because
• 45:35
  Speaker 4: going down and learning about this kind of icky side
• 45:39
  Speaker 4: of content creation brought me to the user generated content
• 45:43
  Speaker 4: side of content creation, which is working with brands to
• 45:48
  Speaker 4: create ads but as a user of their product, more authentic,
• 45:53
  Speaker 4: less polished. And so I've been doing that for a
• 45:57
  Speaker 4: year and a bit and love it.
• 46:01
  Speaker 3: It's fun, isn't it.
• 46:02
  Speaker 4: It's fun, and it's given me so much confidence, Like
• 46:05
  Speaker 4: for me to be here doing this would never have happened,
• 46:10
  Speaker 4: like a year or two ago when the first brand
• 46:13
  Speaker 4: deal came through. It was just like the silly, little
• 46:18
  Speaker 4: happy dance that I did when I got that email
• 46:21
  Speaker 4: and realized it wasn't a scam.
• 46:23
  Speaker 2: And from there it's just kind of keeps ticking along
• 46:27
  Speaker 2: and I really enjoy it and I've made like a
• 46:30
  Speaker 2: lovely community of people online.
• 46:33
  Speaker 3: Now, So what type of income do you make from
• 46:36
  Speaker 3: creating user generated content? Because it's a different space for
• 46:40
  Speaker 3: those of you who maybe are listening here going what
• 46:41
  Speaker 3: is that? So we all know influencers make content and
• 46:45
  Speaker 3: they post about let's just pretend it's like a skincare
• 46:47
  Speaker 3: brand and they post their skincare review. Now, influencers are
• 46:52
  Speaker 3: losing popularity because obviously we prefer much more authentic content
• 46:56
  Speaker 3: that's a little bit more organic, that's from mums and
• 47:00
  Speaker 3: people that you know, actually use the product give you
• 47:03
  Speaker 3: a genuine review, but maybe don't have a million followers,
• 47:06
  Speaker 3: maybe don't even have any followers. So the brands reach
• 47:09
  Speaker 3: out say to money diarst and say, hey, could you
• 47:11
  Speaker 3: just like trial our products and give us an honest
• 47:13
  Speaker 3: review and they pay you for it. But what type
• 47:15
  Speaker 3: of income are we being given?
• 47:17
  Speaker 4: Yeah, so it can definitely vary depending on your negotiation skills.
• 47:22
  Speaker 4: But so last financial year I made six five hundred
• 47:26
  Speaker 4: dollars because we've just done our tax So on average,
• 47:32
  Speaker 4: I would say like per job making between like my
• 47:37
  Speaker 4: minimum is two hundred.
• 47:38
  Speaker 2: And fifty dollars up to I think the highest I've
• 47:42
  Speaker 2: been paid is like five or six hundred dollars for
• 47:46
  Speaker 2: a job.
• 47:47
  Speaker 4: And that's maybe like when you add in all the
• 47:50
  Speaker 4: admin hours and like creating a concept and stuff, maybe.
• 47:55
  Speaker 2: Like two or three hours of work per job, So
• 47:59
  Speaker 2: it feels pretty good.
• 48:00
  Speaker 3: I love that. I love that for you, And like,
• 48:02
  Speaker 3: don't get me wrong, like you know, you could get
• 48:04
  Speaker 3: bored of it at some point, but like I kind
• 48:07
  Speaker 3: of love it. And as somebody who I get to
• 48:09
  Speaker 3: play in that space, obviously more as an influencer, but
• 48:13
  Speaker 3: I have this I would say privilege because I already
• 48:15
  Speaker 3: own my businesses, Like I've got Sheees on the money,
• 48:17
  Speaker 3: I've got Zella. I don't have to do skincare stuff.
• 48:20
  Speaker 3: But like I love a little skincare moment. I love
• 48:23
  Speaker 3: trialing products, and I love being like giving my organic response.
• 48:27
  Speaker 3: It just feels special, Like it feels nice. I love
• 48:30
  Speaker 3: sharing with a community, and like just even creating it
• 48:34
  Speaker 3: gives you more confidence. And you've just said before like
• 48:37
  Speaker 3: getting me on your show would never have happened without it.
• 48:40
  Speaker 3: I love what it's given you.
• 48:41
  Speaker 4: Yeah, and it was something outside of being a mum
• 48:46
  Speaker 4: and a traditional work setting that like, at the moment,
• 48:50
  Speaker 4: it's a fun hobby. But maybe some point it could
• 48:54
  Speaker 4: become a job thing. I don't know, Like I don't
• 48:57
  Speaker 4: know what that looks like in the future. At the moment,
• 49:01
  Speaker 4: it's fun, and I don't. It's bonus money, like that's
• 49:04
  Speaker 4: fun money to play with.
• 49:05
  Speaker 3: Yeah, yeah, yeah, absolutely. So let's flip with the narrative.
• 49:08
  Speaker 3: What's your worst money habit?
• 49:11
  Speaker 4: Sorry, I would say worst money habit is that we've
• 49:17
  Speaker 4: fallen off the track of like budgeting. I used to
• 49:21
  Speaker 4: go in and like go through the accounts every month
• 49:24
  Speaker 4: or even every week and go through life, what are
• 49:27
  Speaker 4: we spending here and there and make sure like we're
• 49:30
  Speaker 4: kind of putting money aside.
• 49:33
  Speaker 2: But life lives, and I don't make that a priority anymore.
• 49:37
  Speaker 3: So is it something you want to get back to? Yeah?
• 49:40
  Speaker 2: I think so.
• 49:40
  Speaker 4: We've tried like a few different ways of automating our
• 49:47
  Speaker 4: like transfers and stuff.
• 49:49
  Speaker 2: There's all of our money is our money. It's all
• 49:52
  Speaker 2: combined and.
• 49:53
  Speaker 4: Just gets shot out of the pay account on payday
• 49:57
  Speaker 4: and pays the mortgage and put money aside for like
• 50:02
  Speaker 4: the annual bills and the quarterly bills and stuff.
• 50:05
  Speaker 2: But I'm probably not as strict with it anymore.
• 50:09
  Speaker 4: Particularly grocery shopping is probably bad because I'm like, I'm
• 50:15
  Speaker 4: not setting a dollar amount to what we buy for groceries.
• 50:20
  Speaker 2: I want what I want, and that's what I'm going
• 50:22
  Speaker 2: to buy. I'm not compromising on that.
• 50:24
  Speaker 3: Yeah, yeah, And it's a slippery slope for right, I'm
• 50:27
  Speaker 3: going to fix it for you. I'm going to set
• 50:29
  Speaker 3: you up with my money masterclass so that you can
• 50:31
  Speaker 3: get back on track. And it's not necessarily about restricting,
• 50:34
  Speaker 3: Like I don't want you to have to set a
• 50:35
  Speaker 3: budget for your groceries, but I do want you to
• 50:37
  Speaker 3: go through your finances and be like, Okay, on average,
• 50:40
  Speaker 3: we spend X on groceries, and then you're really aware
• 50:43
  Speaker 3: of that and you're just across your finances and I'm
• 50:46
  Speaker 3: biased because I made it, but I think that the
• 50:48
  Speaker 3: spreadsheet in there is next level, So like all you
• 50:52
  Speaker 3: have to do is put in what things cost you
• 50:54
  Speaker 3: and what your income is, and then I split out
• 50:57
  Speaker 3: what bank accounts it should be in, how you would
• 50:59
  Speaker 3: divide that up, and what that would look like, so
• 51:02
  Speaker 3: that I do the hard work and you don't have
• 51:03
  Speaker 3: to do the planning because I feel like budgeting. Yes,
• 51:06
  Speaker 3: you can go into a spreadsheet and update it and
• 51:08
  Speaker 3: that's great and you've got visibility, but it's about that
• 51:10
  Speaker 3: next step of like, okay, but which bank account should
• 51:13
  Speaker 3: this be going into so that I don't dip into
• 51:15
  Speaker 3: my savings. If we've got this big savings goal, like
• 51:18
  Speaker 3: you're planning on another caravan holiday or something, we can
• 51:21
  Speaker 3: put that in and I know that we can work backwards.
• 51:23
  Speaker 3: So I go, well, when's the holiday happening and how
• 51:26
  Speaker 3: much do you need? And you go, yep, I need
• 51:28
  Speaker 3: two thousand dollars and it's happening in six months, And
• 51:30
  Speaker 3: I go, great, Well, this is how much you need
• 51:31
  Speaker 3: to put into that bank account each and every single
• 51:33
  Speaker 3: week or month or literally fortnite, depending on how you
• 51:36
  Speaker 3: set this up to make that happen. So I do
• 51:39
  Speaker 3: the hard bit, and then hopefully it will be like
• 51:42
  Speaker 3: maybe you have to do the work. I'm sorry, but
• 51:44
  Speaker 3: like it'll be like waving a magic wand and you'll
• 51:46
  Speaker 3: feel more on track. So I feel like I can
• 51:48
  Speaker 3: fix your bad money habit. That's a good deal.
• 51:49
  Speaker 2: That sounds perfect. Take the mental load part off.
• 51:52
  Speaker 3: I love it. Tell me a little bit more. At
• 51:55
  Speaker 3: the start of this episode, you said, I reckon I'm
• 51:57
  Speaker 3: a BS. Is it that budgeting piece that would take
• 52:00
  Speaker 3: you up to an A plus or what else do
• 52:01
  Speaker 3: you think you guys would need to do or change
• 52:04
  Speaker 3: to get there?
• 52:04
  Speaker 4: I think to become an A plus would be to yes,
• 52:09
  Speaker 4: have better oversight of the budget and more knowledge and
• 52:16
  Speaker 4: regular investing.
• 52:17
  Speaker 3: Yeah, fair, fair fear. Talk to me a little bit more.
• 52:20
  Speaker 3: Is there anything that you're doing at the moment to
• 52:23
  Speaker 3: work towards that or is that like, oh, like you
• 52:25
  Speaker 3: know we will at some point, or is that something
• 52:27
  Speaker 3: you're working on, because I feel like you're already working
• 52:29
  Speaker 3: on it, Like throughout your money story, you're talking about
• 52:32
  Speaker 3: your shares ease and your concept pocket up, and I
• 52:34
  Speaker 3: just feel like you're already doing these things. It's just
• 52:36
  Speaker 3: maybe time to get there.
• 52:38
  Speaker 2: Yeah.
• 52:38
  Speaker 4: I think time and just setting it up as a
• 52:42
  Speaker 4: habit to like habitually be putting money aside, whereas at
• 52:46
  Speaker 4: the moment, it's when there's a bit of extra cash,
• 52:51
  Speaker 4: we'll go, okay, well let's throw it in. So yeah,
• 52:54
  Speaker 4: making it more strategy, more strategy, and more like regular,
• 52:59
  Speaker 4: not so sporadic.
• 53:00
  Speaker 3: We need some direct deposits. We need to do our
• 53:02
  Speaker 3: budget and cash flow and understand that and know how
• 53:05
  Speaker 3: much free cash flow we might have, and then we
• 53:07
  Speaker 3: need a direct deposit that we set up every single
• 53:09
  Speaker 3: month or how often you get paid that just takes
• 53:11
  Speaker 3: it away from you and puts it in there so
• 53:12
  Speaker 3: you don't even have to think about it. That's what
• 53:14
  Speaker 3: we need to do exactly.
• 53:15
  Speaker 2: All right.
• 53:15
  Speaker 3: Well, I'm glad that we're on the same page because
• 53:17
  Speaker 3: that's what my money masterclass is going to do, thankfully,
• 53:20
  Speaker 3: But I'm really sad that we've run out of time.
• 53:22
  Speaker 3: I feel like you and I could keep chatting. I
• 53:24
  Speaker 3: just I want to talk more about just like everything,
• 53:27
  Speaker 3: but unfortunately that is not the reality of our situation.
• 53:30
  Speaker 3: Thank you so much for joining me, for having a
• 53:33
  Speaker 3: really good chat. I've taking six million notes because I'm like, oh,
• 53:35
  Speaker 3: this is cool, or she's any age, she does this like,
• 53:37
  Speaker 3: it's just so fun. I feel like it is such
• 53:39
  Speaker 3: a privilege to get to sit down with people like
• 53:41
  Speaker 3: you literally every week and be like, tell me about
• 53:44
  Speaker 3: your money story. How can my community learn from you?
• 53:47
  Speaker 3: So thank you so much, because I know the community
• 53:49
  Speaker 3: is going to eat this one up.
• 53:50
  Speaker 2: Thank you very much for having me Adore.
• 53:52
  Speaker 5: Adore did my share on She's on the Money is
• 54:01
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• 54:05
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• 54:08
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• 54:11
  Speaker 3: financial decision.
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