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MONEY DIARIES: Achieving Her Goals with Borderline Personality Disorder · She's On The Money

0:00
Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud your
0:04
Speaker 1: the Order Kerni Whoalbury 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,
0:18
Speaker 1: acknowledging the elders, the ancestors and the next generation coming
0:22
Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
0:27
Speaker 1: and the storytelling of you to make a difference for
0:30
Speaker 1: today and lasting impact for tomorrow.
0:33
Speaker 2: Let's get into it. She's on the Money, She's on
0:37
Speaker 2: the Money.
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Speaker 3: Hello, and welcome to She's on the Money the podcast
1:00
Speaker 3: Millennials who want financial freedom. Welcome back to another shop
1:04
Speaker 3: back Money Diary Monday, where we get to chat to
1:06
Speaker 3: a beautiful community member to learn about them, their story,
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Speaker 3: their money, their life all of the fun things in between.
1:13
Speaker 4: Have you got a good one this week, jessic.
1:15
Speaker 3: Ricci, I have an excellent one, However, it is a
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Speaker 3: little heavy, so I did just want to pop a
1:20
Speaker 3: content warning right here up the front. We're going to
1:22
Speaker 3: be talking about a whole range of things, including mental health,
1:25
Speaker 3: specifically BPD. There are themes of self harm and drug
1:30
Speaker 3: use as well, so just keep that in mind. It
1:32
Speaker 3: is a really great diary. But if any of those
1:34
Speaker 3: themes might be a little bit off putting for you,
1:36
Speaker 3: give this week a skip. We've got a whole back
1:38
Speaker 3: catalog that you can listen to and check out.
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Speaker 4: We absolutely do so without further ado. Jessica Ricci, what
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Speaker 4: was this week's money dires female?
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Speaker 3: So Our diret says, I came to Australia as an
1:49
Speaker 3: international student from the Philippines. In my five years living here,
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Speaker 3: I was diagnosed with borderline personality disorder. One of the
1:56
Speaker 3: main symptoms is impulsivity. I used to save, safe, save
1:59
Speaker 3: and was smart with my spending, but if I have
2:01
Speaker 3: a relatively bad day emotional roller coaster, I just spend
2:04
Speaker 3: it all.
2:05
Speaker 4: That seems very relatable to some other people in our
2:08
Speaker 4: community that I've heard something similar from, but I think
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Speaker 4: so as well. Money Darist, welcome to the show, and
2:13
Speaker 4: thank you for wanting to share your story with us.
2:15
Speaker 2: Ah, thanks for having me.
2:17
Speaker 4: Oh my gosh, of course, it sounds like you've been here, there,
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Speaker 4: and everywhere, from the Philippines all the way to Australia
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Speaker 4: and going through all of that and still thriving. But
2:25
Speaker 4: also impulsivity is something that not just people with borderline
2:29
Speaker 4: personality disorder stuffer with, but you would get it at
2:32
Speaker 4: a more extreme level, right.
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Speaker 2: Yes, very much. So, like it's sometimes really unpredictable and
2:40
Speaker 2: just yeah, a lot of stupid decisions have been made because.
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Speaker 4: Though they're not stupid, they're not stupid, they're decisions that
2:48
Speaker 4: we just made along the journey and they are what
2:50
Speaker 4: they are, and we're just going to deal with it.
2:52
Speaker 4: Let's get into the questions, because I have about a
2:54
Speaker 4: million questions for you, but as Jess always eggs, us on,
2:58
Speaker 4: got to wait to the second half of the show
3:00
Speaker 4: to ask the non structured questions. Isn't that right? Absolutely?
3:03
Speaker 4: So let's begin money, Daris, Could you tell us a
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Speaker 4: little bit about your money story.
3:08
Speaker 2: Growing up, I was really privileged, So in the Philippines
3:13
Speaker 2: we were kind of in the upper middle class bracket,
3:17
Speaker 2: so private school education from primary to high school to university. Yeah.
3:24
Speaker 2: So my dad has always been the one to say, hey,
3:28
Speaker 2: treat yourself, basically, like, if you have some money, you
3:31
Speaker 2: can afford it, treat yourself. Meanwhile, my mother on the
3:34
Speaker 2: other hand, she was kind of like, you need to
3:37
Speaker 2: save more. So growing up, I've had periods where I'm
3:44
Speaker 2: saving a lot and then another flip side. The thing
3:50
Speaker 2: that my dad would always say would be to treat myself.
3:54
Speaker 2: So I'd have savings for like a few months, then
3:58
Speaker 2: I'm maybe, you know, something happens or like I'm having
4:03
Speaker 2: a bad day. There's always this thing, this like I
4:05
Speaker 2: spend it all. So it's always been the struggle for
4:09
Speaker 2: me of saving and then spending it all in one go.
4:12
Speaker 4: And just finding balance and what actually works for you.
4:15
Speaker 4: Sounds like a bit of a struggle, wouldn't that be
4:17
Speaker 4: along the right lines?
4:18
Speaker 2: Yeah, very Yeah, it's really it's a big struggle because
4:23
Speaker 2: if I don't sometimes I save so much that I
4:27
Speaker 2: don't treat myself, or I treat myself too much that
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Speaker 2: I don't save.
4:32
Speaker 4: So yeah, okay, all right, money dires. Next question, what
4:37
Speaker 4: do you do for work and how much money do
4:39
Speaker 4: you earn.
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Speaker 2: I've actually just signed on a whole month contract as
4:43
Speaker 2: an EA or congratulations for a company in Darwin. But yeah,
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Speaker 2: I earned fifty four okay thereabouts.
4:55
Speaker 4: Cool?
4:56
Speaker 2: That includes like a five cable and it's after the
4:59
Speaker 2: contract but it's also a part time role, so it's
5:04
Speaker 2: all cool.
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Speaker 4: So it's fifty five is it pro rata or is
5:07
Speaker 4: that how much you'll make?
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Speaker 2: Part that's so much i'll make.
5:09
Speaker 4: Oh my gosh, how cool for a part time role.
5:12
Speaker 2: And I don't do much too.
5:14
Speaker 4: I won't tell you abouts. This is an anonymous good work.
5:18
Speaker 4: How exciting? All right, tell me about what your big
5:21
Speaker 4: money goal is.
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Speaker 2: At the moment. I'm paying off my wedding. I'm getting
5:26
Speaker 2: married next month.
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Speaker 4: Oh congratulations, that's so exciting.
5:31
Speaker 2: It is so paying off the wedding. And I'm trying
5:36
Speaker 2: to set up an emergency fund just so well, saying
5:40
Speaker 2: it fall back if things get worse again. But yeah,
5:46
Speaker 2: at the moment, it's just cashing up on the emergency fund.
5:50
Speaker 4: But its smart. So tell me what an emergency fund
5:53
Speaker 4: means to you and your partner, Like how much is that?
5:56
Speaker 4: And how did you work out what you wanted in
5:57
Speaker 4: your emergency fund.
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Speaker 2: At the moment, I have maybe five hundred dollars in
6:03
Speaker 2: my emergency fund, but it's for just for my own comfort,
6:09
Speaker 2: I guess. Yeah, of course, because with BPD, I kind
6:13
Speaker 2: of get the oh, he's gonna leave me, or things
6:17
Speaker 2: like that. So it's just a few, I mean money
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Speaker 2: for me to use if things go south in my relationship,
6:27
Speaker 2: which it will, but you know, just that backup.
6:30
Speaker 4: It's always good to have a backup, regardless of what
6:33
Speaker 4: is going on in our lives. I think every single
6:36
Speaker 4: person should have an emergency fund, always, always, always, always,
6:39
Speaker 4: my friend, that's for.
6:41
Speaker 2: My personal one, but for our shared one. It's for
6:46
Speaker 2: the pets.
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Speaker 4: Mostly for the pets mostly. I love it as a
6:49
Speaker 4: pet mom, I get it. How many pets do you have?
6:51
Speaker 2: I have two cats and a dog just like you.
6:53
Speaker 4: Oh my gosh, a coin we love it. Or next question,
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Speaker 4: my friend, do you currently have any investments? I have like,
7:02
Speaker 4: oh my gosh, So, guys, we've had a brief intermission
7:04
Speaker 4: our money diarist. Dog has gotten up to try and
7:06
Speaker 4: leak the microphone and enjoy money diaries. She's very excited though,
7:11
Speaker 4: very sweet. Yeah she is.
7:13
Speaker 2: She's still a puffy.
7:15
Speaker 4: She knew you were talking about her. She's like that
7:17
Speaker 4: emergency fund for me. Mom. Yes, all right, so talk
7:21
Speaker 4: to me. Do you have any investments?
7:23
Speaker 2: I have a few, like three hundred bucks in comceck
7:29
Speaker 2: for you ifs so it's just the pocket one and
7:32
Speaker 2: then I have Race.
7:34
Speaker 4: Very cool and what led you to pick those platforms?
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Speaker 2: Comceck was just easy and with Combat it's like an
7:41
Speaker 2: easy way for me to get into the ETF market yep,
7:45
Speaker 2: because they have this like the sustainable one and then
7:48
Speaker 2: they have emerging markets and stuff like that, and I
7:51
Speaker 2: just found it a bit easier as a first step
7:54
Speaker 2: into investing. So yeah, went with that one.
7:58
Speaker 4: Yeah, and then you have.
8:00
Speaker 2: Yes Race just for the roundups. So just trying to
8:06
Speaker 2: get into get a feel of the market that way
8:10
Speaker 2: as well, because with ets you don't really see it.
8:13
Speaker 2: With the race, it's kind of there you have the
8:15
Speaker 2: graph and everything.
8:17
Speaker 4: Yeah, yeah, airpic all right, next question, my friend, do
8:20
Speaker 4: you currently have any debts?
8:23
Speaker 2: No? Personally, I don't have any debts. I'm helping my
8:27
Speaker 2: partner pay off his one, but I don't have any.
8:29
Speaker 4: Oh what is that? And how does that work? You
8:32
Speaker 4: helping him pay it off?
8:33
Speaker 2: It's more of because our finances are shared, so every
8:39
Speaker 2: like every time I get paid, and we have this
8:42
Speaker 2: account where we just put everything in and then we
8:45
Speaker 2: pay ourselves basically an allowance every fortnight. So that money
8:51
Speaker 2: that we put in our joint account pays all our bills.
8:54
Speaker 2: And everything, So it just yeah, you just share everything
9:00
Speaker 2: being so I don't know to explain it better.
9:03
Speaker 4: No, no, no, that makes absolute sense. I'm asking just
9:06
Speaker 4: because sometimes when you come into a relationship and one
9:08
Speaker 4: person has debt and the other doesn't like it can
9:11
Speaker 4: be a sticking point or it can be something that's
9:13
Speaker 4: really tricky to have a conversation about. How have you
9:16
Speaker 4: had that conversation with your partner, Like, did he have
9:18
Speaker 4: the debt when you met him?
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Speaker 2: Yes, he had part of the debt when we met,
9:23
Speaker 2: but it kind of grew in the last two years
9:27
Speaker 2: because I didn't have a job, Yeah, and he needed
9:32
Speaker 2: to like finance both of us, and yeah, I wasn't
9:37
Speaker 2: doing very well during twenty twenty twenty one.
9:41
Speaker 4: How good is it that you had such a supportive partner?
9:44
Speaker 2: Yeah, how good?
9:45
Speaker 4: Very lucky to marry him next month?
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Speaker 2: Like what, Yeah, I'm very lucky. He's he's been really good,
9:52
Speaker 2: really supported.
9:53
Speaker 4: I love that for you, all right, Next question, my friend,
9:56
Speaker 4: do you use shop back when you are shopping online?
10:00
Speaker 2: Yes? I just signed up like a couple of weeks ago.
10:03
Speaker 4: Oh. What was your first purchase, my friend?
10:05
Speaker 2: Two pairs of jeans from cotton On it's good.
10:08
Speaker 4: We love a good staple. And not only do we
10:11
Speaker 4: love a good staple, we love a money win on
10:12
Speaker 4: a good staple.
10:13
Speaker 2: Yeah. I had a discount on it as well, so.
10:15
Speaker 4: It was really good. That is an epic win. That's
10:19
Speaker 4: like a double money win. We love those extra all right.
10:22
Speaker 4: Next question is money dos. What is your best money habit?
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Speaker 2: My best money habit would be saving as much as
10:32
Speaker 2: I can with my allowance, so apart from our joint savings,
10:38
Speaker 2: I save some money from my allowance to go towards
10:43
Speaker 2: other stuff like gifts. Like I have a sinking fund
10:48
Speaker 2: for gifts so that I don't really feel put out
10:51
Speaker 2: when Christmas time comes around.
10:53
Speaker 4: Hey, that's smart. I feel like not enough of us
10:56
Speaker 4: planned well enough for Christmas, even though Christmas literally just
10:59
Speaker 4: keeps coming up on the same date every single year. Jess, Yeah,
11:02
Speaker 4: I'm always under prepared. It is wild. And to flip
11:05
Speaker 4: that on its head, money DRIs, what is your worst
11:07
Speaker 4: money habit?
11:09
Speaker 2: Spending too much when I'm not feeling great?
11:12
Speaker 4: Talk to us about that. How does that happen, how
11:15
Speaker 4: is it facilitated? And what does not feeling great mean?
11:19
Speaker 2: It's mostly when I'm really stressed that I can't regulate
11:25
Speaker 2: my emotions as well. So I've managed my BPD thankfully,
11:30
Speaker 2: and there are times when I just have days when
11:33
Speaker 2: it just goes from just up and down, up and down,
11:38
Speaker 2: and at the end of the day, I'm always like, oh,
11:40
Speaker 2: I need something to make myself just feel that little
11:43
Speaker 2: bit better. So usually spend a lot of money on food.
11:49
Speaker 4: On food, I don't feel like food's the worst thing
11:51
Speaker 4: that can absolutely pick up my mood. What is your
11:54
Speaker 4: go to.
11:55
Speaker 2: Ten nuggets up? Megis ten nugget meals.
11:57
Speaker 3: Our same queen.
12:00
Speaker 4: That's the Jessica Rickey special. I know kid LAROI got
12:03
Speaker 4: the kid LAROI meal like I'm waiting for the Jessica
12:05
Speaker 4: Rickey meal. And what is in it is it's a
12:08
Speaker 4: medium chips, It's a full fat, proper Maca's coke because
12:12
Speaker 4: apparently that's the only good type of coke. And then
12:15
Speaker 4: it is a six pack of nuggets. It has sweetened
12:17
Speaker 4: sour sauce. But the different thing here, guys, it comes
12:21
Speaker 4: with a source holder to put in your car so
12:24
Speaker 4: that the sauce can be help because jess has one.
12:26
Speaker 3: That's how much I like nuggets sheholders, especially in my car.
12:30
Speaker 4: That's who she's person. Guys. All right, last question before
12:34
Speaker 4: we go to a quick break, Money Diarist, if we
12:36
Speaker 4: forced you to give your money habits a grade, what
12:38
Speaker 4: would you grade yourself?
12:39
Speaker 2: I would grade myself for C plus and why because
12:47
Speaker 2: I just have a lot of things to catch up on,
12:49
Speaker 2: just the finance side, just having those foundations I don't
12:54
Speaker 2: have yet, because I basically had to start over again
12:57
Speaker 2: this year.
12:58
Speaker 4: It sounds like you're well on your way though, with
13:00
Speaker 4: a new contract, You're getting married in a month. There's
13:03
Speaker 4: a lot of right things in your future, and I
13:05
Speaker 4: want to ask you a lot about them right after
13:07
Speaker 4: this quick break. All right, money Diarist, let's get into
13:14
Speaker 4: the nitty gritty of it. In your story, you wrote
13:17
Speaker 4: into us and you said, I'm struggling with borderline personality
13:20
Speaker 4: disorder and this really impacts the way that I manage
13:23
Speaker 4: money and spend. And this is obviously really significant for you,
13:27
Speaker 4: but I also think there are a lot of people
13:28
Speaker 4: in our community who go through this. Can you explain
13:31
Speaker 4: to us just briefly, how does borderline personality disorder affect you?
13:36
Speaker 2: So I Usually it's also called emotional dysregulation disorder. It's
13:42
Speaker 2: different from bipolar disorder, which you have manic episodes and
13:46
Speaker 2: depressive episodes. With BPD, you have both in a span
13:51
Speaker 2: of a few hours instead of periods of time, so
13:57
Speaker 2: it's really like a roller coaster. So that's one part
14:01
Speaker 2: of it. But there's also that intense fear of abandonment, impulsivity,
14:09
Speaker 2: self harming behaviors. But yeah, those are the symptoms I've
14:14
Speaker 2: personally been through.
14:17
Speaker 3: When were you diagnosed and what was that process like
14:20
Speaker 3: for you? Because I'm assuming that you experienced all of
14:23
Speaker 3: these emotions and it can be really hard when you're
14:27
Speaker 3: going through that to take a step back and realize
14:30
Speaker 3: that that's not how everybody lives their life. What was
14:33
Speaker 3: that process like and how long ago was it that
14:35
Speaker 3: you went through it?
14:36
Speaker 2: So I got diagnosed in early twenty twenty one, but
14:41
Speaker 2: it was my partner actually who pushed me. Was a
14:45
Speaker 2: few months after we met. He pushed me to see
14:48
Speaker 2: the school counselor because we have like free unique counseling
14:53
Speaker 2: in kindible and then I went from that and then
14:57
Speaker 2: going to the GP, getting diagnosed with anxiety and depression
15:02
Speaker 2: at first, and then I had a few episodes where
15:06
Speaker 2: I overdosed. So I think it was after two instances
15:13
Speaker 2: of overdosing that I was referred to a psychiatrist and
15:18
Speaker 2: was told that I may have BPD traits at first,
15:23
Speaker 2: and then saw a psychologist. They tested for it, and
15:27
Speaker 2: that's when they diagnosed me with BPD.
15:30
Speaker 4: Wow, So an official diagnosis is not exactly the start
15:34
Speaker 4: of when it happens. Right, how long has this been
15:37
Speaker 4: affecting you prior? Obviously a diagnosis is just putting a
15:40
Speaker 4: name to something that you've already been struggling with, Right.
15:43
Speaker 2: Yeah, I think it was in high school. If I'm
15:47
Speaker 2: thinking back, I think it was in high school. When
15:50
Speaker 2: looking back, I could see the little signs of it,
15:54
Speaker 2: but at the time I was none the wiser.
15:56
Speaker 3: Yeah, it's very much that thing of I guess that's
15:58
Speaker 3: your normal if you've been living that way, And sometimes
16:01
Speaker 3: it takes someone like your partner or your fiancee to say, hey, like,
16:04
Speaker 3: I think maybe it's worth looking into if that is
16:07
Speaker 3: something bigger and broader. Since you have been diagnosed and
16:11
Speaker 3: it was quite recent, how has that knowledge changed things
16:15
Speaker 3: for you? So have you been able to kind of
16:16
Speaker 3: implement processes and has it become a bit more manageable
16:20
Speaker 3: Where you're feeling like you're on a track now where
16:23
Speaker 3: you're feeling healthier and more confident and working towards the
16:26
Speaker 3: future you deserve.
16:27
Speaker 2: Yes, I feel like I've been able to manage it lately,
16:31
Speaker 2: but it was I think late last year where I've
16:35
Speaker 2: started to feel like I'm on the path to recovery. Yeah,
16:41
Speaker 2: it was just really hard. Twenty twenty twenty, early twenty
16:45
Speaker 2: twenty one was really hard for me, and at first
16:49
Speaker 2: I felt like I was crazy because I didn't know
16:51
Speaker 2: why I was feeling what I was feeling like. There
16:54
Speaker 2: were times when I feel like I wanted to cry,
16:57
Speaker 2: but I didn't know why.
16:58
Speaker 3: I just want to jump through this screen and give
17:00
Speaker 3: you a hug because I can just see how that
17:03
Speaker 3: impacts you in your face now and how challenging that
17:06
Speaker 3: must be. And I think congratulations on pulling through that,
17:10
Speaker 3: and congratulations probably isn't the right word, but I'm really
17:13
Speaker 3: happy that you are able to get to a place
17:16
Speaker 3: now where you can reflect on it and say that
17:19
Speaker 3: was really hard, but I am feeling like I'm on
17:21
Speaker 3: the way to recovery.
17:22
Speaker 4: That's incredible.
17:23
Speaker 2: Thank you. It's been hard work, Honestly, it's been really
17:27
Speaker 2: hard work.
17:28
Speaker 4: And it's not easy work, and so many people just
17:31
Speaker 4: again it's like money, right, you just bury your head
17:34
Speaker 4: in the sand about mental health and don't ask for help.
17:37
Speaker 4: And the longer you don't ask for help, the longer
17:39
Speaker 4: you end up struggling with it. And you are literal
17:41
Speaker 4: proof that you can kind of come out the other
17:43
Speaker 4: side and it's still a struggle, but you know the
17:46
Speaker 4: tools and resources that you need to rely on that
17:49
Speaker 4: are going to help you throughout the day, right.
17:51
Speaker 2: Yes, definitely. I come from a country that really has
17:56
Speaker 2: stigmatized still mental health issues. So even my parents don't
18:02
Speaker 2: know that I've been having these problems because they just
18:06
Speaker 2: brush it aside and they're all, you're making it up.
18:09
Speaker 2: So that didn't help with the diagnosis. It was when
18:13
Speaker 2: I accepted that are I'm not well that I started
18:19
Speaker 2: to heal.
18:20
Speaker 4: Wow, that must be so challenging, feeling like not everyone
18:23
Speaker 4: in your sphere is on your team. Can you tell
18:25
Speaker 4: us a little bit about the tools and resources that
18:28
Speaker 4: you use that are really helpful, because I know that
18:31
Speaker 4: there's probably a lot of things that you've worked out
18:33
Speaker 4: that a lot of people could benefit from.
18:36
Speaker 2: Yeah. One of the resources my psychiatrist told me to
18:40
Speaker 2: look into was Project Air.
18:42
Speaker 4: Oh, I haven't heard of that.
18:44
Speaker 2: I think it's from University of New South Wales. I'm
18:48
Speaker 2: not quite sure, but they have a segment where they
18:53
Speaker 2: have this lived experience as videos and like articles, and
18:58
Speaker 2: that really helped me see that with what I've been through,
19:02
Speaker 2: it's normal. People have been through it and people have
19:05
Speaker 2: come up the other side. So yeah, that was really
19:09
Speaker 2: helpful for me.
19:10
Speaker 4: That's quite cool. So we'll make sure I'll do some
19:12
Speaker 4: research straight after this and make sure that the link
19:15
Speaker 4: to that is in the show notes if anyone wants
19:17
Speaker 4: to check it out. Talk to me about money management.
19:20
Speaker 4: So you mentioned before that you are quite impulsive. How
19:24
Speaker 4: are you managing impulsiveness every day when it comes to
19:28
Speaker 4: your banking and finances At.
19:30
Speaker 2: The moment, I have different bank accounts, so I have
19:32
Speaker 2: this one account with up where I put all my allowance,
19:36
Speaker 2: so that's the amount that I have to spend. But
19:40
Speaker 2: the one thing that really helped me was putting time
19:43
Speaker 2: between me and my purchases.
19:45
Speaker 3: We love to say it.
19:47
Speaker 2: Yes, yes, I've been very good with it lately and
19:51
Speaker 2: listening to the podcast has also helped a lot.
19:53
Speaker 4: Oh yeah, we get to be helpful.
19:56
Speaker 2: Yes, it's us yes, it's you. It just it makes
20:00
Speaker 2: me feel motivated because I hear it every time I
20:03
Speaker 2: listen to you guys on my drive to work and
20:06
Speaker 2: while I'm at work. So it's like, oh, reminding me that, oh,
20:09
Speaker 2: I have goals, I have money goals, So I have
20:11
Speaker 2: to you do. I have to like be not really disciplined,
20:15
Speaker 2: but to keep my eye on the price.
20:17
Speaker 4: Basically, yeah, oh my gosh, I love that we get
20:20
Speaker 4: to be part of this journey in really a positive way.
20:23
Speaker 4: Like to me, it is so special that you get
20:26
Speaker 4: to hang out with us in the car on the
20:27
Speaker 4: way to work.
20:28
Speaker 3: I was just gonna say, I'm really glad we get
20:30
Speaker 3: to hang out with you in the mornings, even though
20:31
Speaker 3: we're not actually there. It's so silly that that makes
20:33
Speaker 3: me happy, But it makes me really happy to think
20:35
Speaker 3: of you driving in the car and us just chatting
20:38
Speaker 3: away like we're friends.
20:39
Speaker 4: Sometimes it literally crosses my mind, like while I'm driving
20:42
Speaker 4: to work, and it crossed my mind the other day.
20:45
Speaker 4: So the other day I was quite unwell. I had
20:46
Speaker 4: laryngitis and I couldn't speak, so I wasn't on the
20:49
Speaker 4: podcast Money Dirist and Jess and George were on the
20:52
Speaker 4: pod and I hate listening back to our own episodes
20:55
Speaker 4: when I'm on it because I cannot stand listening to
20:58
Speaker 4: my own voice. It gives me he begbies. But because
21:02
Speaker 4: Jess and George on, I was like, well, I better
21:03
Speaker 4: listen to these podcasts, And I was like, is this
21:05
Speaker 4: what other people feel like?
21:06
Speaker 1: Like?
21:07
Speaker 4: I was vibing it, I was loving the episode. I
21:09
Speaker 4: was like, does everybody else feel this excited about it
21:11
Speaker 4: she's on the money episode? Or is it just me
21:14
Speaker 4: the idea that other people love our content as much
21:17
Speaker 4: as you know I did when I got to just
21:19
Speaker 4: hear it when it was Jess and George. Honestly, I
21:22
Speaker 4: just feel like we found our people Jess hundred, we
21:26
Speaker 4: found them and they are you Money Diarist.
21:28
Speaker 3: I wanted to ask you, money Diarist, while we're talking
21:31
Speaker 3: about finances. Obviously you're an international student, not a permanent resident.
21:36
Speaker 3: How has that worked for you in terms of I
21:39
Speaker 3: know when I've personally been through the process getting psychology
21:42
Speaker 3: appointments and mental health that there are resources in place
21:46
Speaker 3: for me where I can access those for free. Are
21:48
Speaker 3: those resources also applicable to people like yourself who are
21:51
Speaker 3: international students or did you have to bear the brunt
21:54
Speaker 3: of that cost for all of those appointments.
21:56
Speaker 2: For me, we had to get a student feaser. You
22:01
Speaker 2: have to have insurance, yes, so for the length of
22:05
Speaker 2: your stay here. So at the start, because I'm not
22:10
Speaker 2: on the student visa now, at the start, I had
22:12
Speaker 2: to rely on the student insurance, the student visa insurance
22:16
Speaker 2: where cheapy appointments are covered like everything medical is covered great,
22:21
Speaker 2: So I had to rely on the book bill and
22:24
Speaker 2: it's actually really good, but it's also very hard to claim, yes,
22:29
Speaker 2: But yeah, that really helped when I was starting out.
22:32
Speaker 3: That is so good to hear, because I do always
22:35
Speaker 3: think about, you know, assistance with mental health needs to
22:38
Speaker 3: be as accessible as possible, regardless of where you're from, because,
22:42
Speaker 3: like you said, if you come from a place where
22:44
Speaker 3: it's really stigmatized and it's not talked about, that's an
22:46
Speaker 3: additional barrier to you, like you said, getting on your
22:49
Speaker 3: road to recovery, and you had to kind of work
22:51
Speaker 3: through that yourself. So I think it's awesome that you
22:54
Speaker 3: could access those resources here, and I'm really glad to
22:56
Speaker 3: hear that's the case. The last question that I had
22:59
Speaker 3: was around what you were saying before when you were
23:03
Speaker 3: listening to those lived experiences from other people. You said
23:06
Speaker 3: that it made you feel not so alone, And when
23:09
Speaker 3: you're suffering with mental health, feeling isolated is such a
23:14
Speaker 3: strong emotion to experience because in addition to all of
23:18
Speaker 3: the things that you're feeling, you feel like you can't
23:20
Speaker 3: talk to people and you're the only person going through it.
23:23
Speaker 3: And I personally know how challenging that that can be.
23:26
Speaker 3: I have no doubt that there will be people in
23:28
Speaker 3: our community listening to this who may have BPD or
23:31
Speaker 3: maybe experiencing those same things that you were because of
23:35
Speaker 3: another reason. What would you say to them? What encouragement
23:39
Speaker 3: or what resources can you suggest to someone who might
23:42
Speaker 3: be struggling in the way that you were.
23:45
Speaker 2: Just I know it's hard, but just reach out because
23:50
Speaker 2: once you start reaching out for help, once you actually
23:55
Speaker 2: gain the courage to reach out for help, things will
23:58
Speaker 2: slowly get better. People will have resources, like they'll give
24:04
Speaker 2: you things that you can read through or things that
24:09
Speaker 2: you can use, resources that you can use, like, for one,
24:13
Speaker 2: I was referred to the Sexual Assault Resource Center and
24:17
Speaker 2: they've been really great help. They're also free, incredible headspace.
24:23
Speaker 2: And then here we have the Anti Mental Health Line
24:26
Speaker 2: which is really good because they check up on you
24:30
Speaker 2: and they have like different psychiatrists or psychologists on call
24:35
Speaker 2: all the time. So just having that feeling of isolation
24:39
Speaker 2: and then you can reach out like it helps a lot.
24:43
Speaker 4: I love that, and I love that you're so well
24:45
Speaker 4: versed in resources because sometimes respect people and they're like, look,
24:49
Speaker 4: I just went to my GP and then I saw
24:51
Speaker 4: a psychologist and that was my process. And I don't
24:53
Speaker 4: have any external resources. But to me, having those resources
24:58
Speaker 4: is kind of like surrounding yourself with supporting friends. Sometimes
25:01
Speaker 4: you want to go out for a coffee with Jess
25:02
Speaker 4: and other times you want to go and chat to
25:04
Speaker 4: Georgia about something different. Because you have different relationships with
25:07
Speaker 4: each resource and person in your life that it is
25:11
Speaker 4: really powerful to just have that suite. And I think
25:13
Speaker 4: that we all should build up a suite of resources
25:16
Speaker 4: that can support us, whether it is you know, a
25:18
Speaker 4: money podcast, or it is those resources that you just mentioned,
25:21
Speaker 4: Like having those in your back pocket when you're having
25:23
Speaker 4: a bad day means that that day is not going
25:26
Speaker 4: to be nearly as bad.
25:27
Speaker 2: Right, Yes, definitely. I have this list where all the
25:31
Speaker 2: numbers are put in, like my counselor from SAR give
25:36
Speaker 2: me the list because there are times when I can't
25:40
Speaker 2: reach out to other people, but I can reach out
25:43
Speaker 2: to them, and that has really helped me because they
25:48
Speaker 2: understand what I'm going through because like they've listened to
25:51
Speaker 2: other people who has gone through them as well, so
25:55
Speaker 2: they know how to help. It was a lifesaver.
25:58
Speaker 4: Honestly, I love that, and I love that you've got
26:00
Speaker 4: a list. We can all take note from that and
26:03
Speaker 4: create our own lists of resources that just work really
26:06
Speaker 4: well for us money devis.
26:08
Speaker 3: Thank you so much for being so open with us,
26:11
Speaker 3: because I'm personally super duper passionate about mental health and
26:15
Speaker 3: it's something that we're working in the background on talking
26:18
Speaker 3: about even more on the podcast later in the year,
26:21
Speaker 3: So I think that you have been a really great
26:24
Speaker 3: gateway for us to do that. And thank you for
26:27
Speaker 3: being so open about your journey. And I can only
26:29
Speaker 3: say that I'm so happy to see you thriving and
26:33
Speaker 3: working towards incredible things and coming out the other side
26:36
Speaker 3: of something that has been really challenging. You're absolutely killing
26:40
Speaker 3: at you, queen, and good luck and congratulations for your
26:43
Speaker 3: wedding next month. I can't wait. Please send us photos, yes, please,
26:47
Speaker 3: please please.
26:49
Speaker 4: Are your pets involved in your wedding? By chance?
26:51
Speaker 2: Unfortunately not, but we have this little okay pins, I
26:55
Speaker 2: got pins made that has their faces on them.
27:00
Speaker 4: Oh my gosh, soud. So they are involved in the
27:02
Speaker 4: way or form exactly.
27:04
Speaker 2: So I have one for my bouquet and one for
27:07
Speaker 2: my partners, sush.
27:10
Speaker 4: That is the sweetest thing ever, InCred I love it.
27:14
Speaker 2: Well.
27:15
Speaker 4: Unfortunately, that is all we have time for today, So
27:18
Speaker 4: just just before we head off, can you wrap the
27:20
Speaker 4: boring but important stuff?
27:21
Speaker 3: Of course, don't forget guys, the advice shared on She's
27:24
Speaker 3: on the Money is general in nature and does not
27:27
Speaker 3: consider your individual circumstances. She's on the Money exists purely
27:30
Speaker 3: for educational purposes and should not be relied upon to
27:33
Speaker 3: make an investment or a financial decision. And we promise
27:36
Speaker 3: Victoria Divine and She's on the Money are authorized representatives
27:39
Speaker 3: of Infocused Securities Australia Proprietary Limited ABN four seven oh
27:43
Speaker 3: nine seven seven nine seven fort nine AFSL two three
27:47
Speaker 3: six five two three See you next time. Bye,