Latest / She's On The Money / MONEY DIARIES: An Uber Hard Working, Business Owning, Mother To Be!

Transcript

MONEY DIARIES: An Uber Hard Working, Business Owning, Mother To Be! · 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
• 0:08
  Speaker 1: we get started on She's on the Money podcast, I
• 0:11
  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.
• 0:34
  Speaker 3: She's on the Money, She's on the Money.
• 0:57
  Speaker 4: Hello, and welcome to She's on the Money, the podcast
• 1:00
  Speaker 4: Millennials who want financial freedom. Welcome back to another shot
• 1:04
  Speaker 4: back money Diary Monday, where we chat to a community
• 1:07
  Speaker 4: member about them, their story, their life, their money, and
• 1:10
  Speaker 4: all of the fun bits in between.
• 1:12
  Speaker 2: It's not your favorite time of week, is it?
• 1:15
  Speaker 4: I mean it definitely is my favorite episode of the week.
• 1:18
  Speaker 4: Would you like to hear about this week's direst I
• 1:19
  Speaker 4: would love to tell me all right, our diret says, Hello,
• 1:23
  Speaker 4: She's on the Money. I moved to Australia six years
• 1:25
  Speaker 4: ago as an international student, got my permanent residency after
• 1:29
  Speaker 4: two years, and I am now a citizen. I'm also
• 1:31
  Speaker 4: very busy, soon to be mother of my first child,
• 1:34
  Speaker 4: and I run two small businesses and drive for Uber.
• 1:38
  Speaker 2: I'm a hustler.
• 1:39
  Speaker 4: I've been a driver partner for three years, using it
• 1:41
  Speaker 4: when I want to save up for something. Uber has
• 1:43
  Speaker 4: really helped me on my journey to become a small
• 1:45
  Speaker 4: business owner, travel the world, put a deposit on my home,
• 1:48
  Speaker 4: and all before the age of thirty.
• 1:50
  Speaker 2: What I know.
• 1:51
  Speaker 4: I'd love to share my story of hard work and
• 1:53
  Speaker 4: side hustling with the community. Oh my gosh, I love
• 1:56
  Speaker 4: this Money diarists. Welcome to the show.
• 1:59
  Speaker 5: Hey, thank you so much for having me here. I'm
• 2:01
  Speaker 5: really excited.
• 2:02
  Speaker 2: I'm so excited to have a chat with you as well,
• 2:05
  Speaker 2: a mom to pay, a small business owner, an ERG
• 2:08
  Speaker 2: driver like what can't she do? I love this. Let's
• 2:12
  Speaker 2: start off in the way we always start the show,
• 2:15
  Speaker 2: and that is with our structured questions so that we
• 2:17
  Speaker 2: all get up to spaid on where you're at money, Ris.
• 2:20
  Speaker 2: Let's jump straight into the first one, and that question
• 2:22
  Speaker 2: is can you tell us a little bit about your
• 2:24
  Speaker 2: money story.
• 2:25
  Speaker 5: Sure, So I love money and I want to make
• 2:29
  Speaker 5: a lot of it, you and me, Bothy, Hey, everyone
• 2:32
  Speaker 5: loves money. Who doesn't write? And there's nothing called too
• 2:35
  Speaker 5: much money at all. So yeah, and money is something
• 2:38
  Speaker 5: that kind of makes me really happy. It gives me
• 2:41
  Speaker 5: a sense of security and just makes me feel happy
• 2:44
  Speaker 5: and gives me a stability in life. There's a saying
• 2:46
  Speaker 5: that a lot of people say that money doesn't give
• 2:49
  Speaker 5: it doesn't make you happy, or doesn't give you happiness,
• 2:51
  Speaker 5: which I strongly disagree, because money does make you happy,
• 2:55
  Speaker 5: gives you a stability and gives you, you know, an
• 2:59
  Speaker 5: opportunity to meet life that's less stressful. And especially with
• 3:03
  Speaker 5: our generation of the millennials, we face a lot of
• 3:06
  Speaker 5: mental health issues. And I don't say that money will
• 3:09
  Speaker 5: heal all your mental health issues, but yes, not having money,
• 3:12
  Speaker 5: not having enough savings does increase your stress and you know,
• 3:16
  Speaker 5: just make things in day to day life a little
• 3:18
  Speaker 5: bit more difficult totally. And I strongly believe in having
• 3:23
  Speaker 5: multiple streams of income so if something fails, I always
• 3:27
  Speaker 5: have you know, another business or another incoming cash flow
• 3:30
  Speaker 5: into my bank account that I can always fall back on.
• 3:33
  Speaker 2: Oh my gosh, I wish more people will like you.
• 3:36
  Speaker 2: They just go straight out now, I love money more
• 3:38
  Speaker 2: of it. That's very sick because people are always like, yeah,
• 3:41
  Speaker 2: I guess money is like important, but not that important,
• 3:44
  Speaker 2: and you're just straight out like, no, money is the
• 3:45
  Speaker 2: best I need, Moore? Have you always been like that?
• 3:49
  Speaker 2: Is money something that growing up your family spoke a
• 3:52
  Speaker 2: lot about or is it something that you've just discovered
• 3:55
  Speaker 2: that yourself.
• 3:56
  Speaker 5: I think I've always been like that since I was
• 3:58
  Speaker 5: a child, because of the kind of home that I
• 4:01
  Speaker 5: you know, I was brought up in. I was from
• 4:04
  Speaker 5: an upper middle class family, like my dad had a business,
• 4:07
  Speaker 5: a small business, and my mum was a homemaker. So
• 4:11
  Speaker 5: we always grew up with a mentality that there are
• 4:14
  Speaker 5: certain things that we don't do, you know what I mean.
• 4:17
  Speaker 5: Or that's for the rich people. You know, you don't
• 4:19
  Speaker 5: go on holidays degrees because that's not for us. You
• 4:22
  Speaker 5: probably go to a cheaper place or something that's less affordable.
• 4:26
  Speaker 5: And I always thought that thought didn't sit right with me,
• 4:29
  Speaker 5: and I thought why not? You know, we had given
• 4:32
  Speaker 5: one life, and I read somewhere that had really stuck
• 4:35
  Speaker 5: with me for a long time that if you are
• 4:36
  Speaker 5: born for it's not your fault. But if you die poor,
• 4:40
  Speaker 5: that's your fault. Because we've been given this life. You know,
• 4:43
  Speaker 5: there's so many opportunities to make money and to fulfill
• 4:47
  Speaker 5: the desires that you want to write. So I always
• 4:50
  Speaker 5: didn't like the idea of restricting myself to what I
• 4:54
  Speaker 5: can do and what I cannot. So that's why I
• 4:56
  Speaker 5: was like, I want to make a lot of money
• 4:58
  Speaker 5: and want to be able to do every thing that
• 5:00
  Speaker 5: I want to do in one life, So why should
• 5:01
  Speaker 5: I restrict myself to maybe just one job or you know,
• 5:04
  Speaker 5: one career.
• 5:05
  Speaker 2: So and you s's so motivated to do it as well,
• 5:08
  Speaker 2: Black I am loving this energy. So money dois tell
• 5:12
  Speaker 2: us what do you do for work? All of your
• 5:14
  Speaker 2: works and how much money do you earn?
• 5:18
  Speaker 5: Of course, So I run two small businesses. So one
• 5:21
  Speaker 5: is a marketing firm. It's more like a telemarketing so
• 5:23
  Speaker 5: I help small businesses grow their sales, so pretty much
• 5:28
  Speaker 5: like telecalling, cold calling, you know, introducing their businesses to
• 5:33
  Speaker 5: a lot of other customers and pretty much helping them
• 5:35
  Speaker 5: increase their sales monthly sales. That's one part of my business.
• 5:39
  Speaker 5: And this has come from my experience in sales. So
• 5:42
  Speaker 5: since the time I graduated, I've always been working in sales.
• 5:46
  Speaker 5: I've been in media sales, it sales. So yeah, it's
• 5:49
  Speaker 5: just the experience that I gathered there, so I thought
• 5:51
  Speaker 5: I should meet it to a US, yeah, and make
• 5:55
  Speaker 5: something of my own. So that's my marketing business. And
• 5:59
  Speaker 5: then I have an e commerce business which is completely
• 6:03
  Speaker 5: weekend products, cruelty free. So I have my own online setup.
• 6:08
  Speaker 5: So and I ship products throughout Australia. So I've got
• 6:12
  Speaker 5: like magnetic eyelashes, eyebrow stamps, like exfoliating gloves. It's a
• 6:18
  Speaker 5: dread and draw.
• 6:18
  Speaker 2: There's like a beauty a beauty company. Cool. They're so
• 6:23
  Speaker 2: different from one another, I know.
• 6:26
  Speaker 5: Yeah, there's two different things. And the best part about
• 6:28
  Speaker 5: this is I can manage both of this together because
• 6:31
  Speaker 5: my marketing job is like a typical you know, nine
• 6:35
  Speaker 5: to five job, where because I can't reach out to
• 6:37
  Speaker 5: more customers after five pm, which is course you know,
• 6:40
  Speaker 5: the working hours, and my e commerce business I work
• 6:43
  Speaker 5: in the evenings.
• 6:44
  Speaker 2: So they fit together really nicely. Where does Urber come
• 6:47
  Speaker 2: into that? Then my friend.
• 6:49
  Speaker 5: That's after that, so uber is Uber is for the
• 6:53
  Speaker 5: weekends and even evening after my work. When I finish
• 6:57
  Speaker 5: up my work, I when I have time, I feel
• 7:00
  Speaker 5: that I have nothing to do at home. I just
• 7:02
  Speaker 5: take my car and drive around the city and make
• 7:05
  Speaker 5: like really good money. So Uber's been a very important
• 7:09
  Speaker 5: part of my financial journey. And whenever I was struggling
• 7:14
  Speaker 5: with my finances or because my both my companies are
• 7:16
  Speaker 5: completely bootstrapped, so I didn't get take any investments from outside,
• 7:20
  Speaker 5: it was all you know, my own savings, and all
• 7:23
  Speaker 5: this money for my investment in my business for both
• 7:27
  Speaker 5: the businesses came out from Uber. Wow. Really Yeah, yes.
• 7:31
  Speaker 2: That's cool.
• 7:31
  Speaker 4: I know that obviously, being in a comm and marketing
• 7:34
  Speaker 4: and Uber and stuff, it's all quite variable. Can you
• 7:37
  Speaker 4: put like an approximate number on how much money I make?
• 7:41
  Speaker 5: Yeah, so I make somewhere around, say seven thousand to
• 7:46
  Speaker 5: ten to eleven thousand. It depends each month, but yeah,
• 7:50
  Speaker 5: it falls under this window.
• 7:51
  Speaker 2: Wow.
• 7:53
  Speaker 4: And you're working very hard for that money, clearly, But
• 7:56
  Speaker 4: that's awesome.
• 7:56
  Speaker 2: Yes, Oh my gosh, I'm making more than what I.
• 8:00
  Speaker 5: Used to make in my job. So I'm really that's away. Yeah,
• 8:04
  Speaker 5: and it's worth the hard work.
• 8:05
  Speaker 2: So absolutely, all right, Well, tell us I feel like
• 8:09
  Speaker 2: you are so motivated. I want to know what is
• 8:11
  Speaker 2: your big money goal.
• 8:13
  Speaker 5: So my big money goal is that I don't want
• 8:15
  Speaker 5: to be I don't want to live in a million
• 8:17
  Speaker 5: dollar house or anything like that. I want a life
• 8:20
  Speaker 5: where I should be able to travel wherever I want to.
• 8:23
  Speaker 5: And my business is not location specific and it allows
• 8:26
  Speaker 5: me to work from anywhere I can. So yeah, that's
• 8:29
  Speaker 5: pretty much my plan. And I want to sleep and
• 8:33
  Speaker 5: then make money, you know what I mean. I want
• 8:34
  Speaker 5: the money. I want my businesses to make money for me,
• 8:37
  Speaker 5: even when I don't have to work nine to five,
• 8:39
  Speaker 5: you know what I mean. So that's my whole idea.
• 8:42
  Speaker 5: So I want to hustle for the next few years,
• 8:45
  Speaker 5: maybe another three years or four years, and set up
• 8:47
  Speaker 5: my company, have a good team where I can just
• 8:50
  Speaker 5: back up, you know I can. I can just be
• 8:52
  Speaker 5: traveling around the world doing some meetings over the phone
• 8:55
  Speaker 5: or wherever I am, as long as there's a good
• 8:57
  Speaker 5: internet connection and my business is still making money for me.
• 9:00
  Speaker 2: Oh my gosh, I love this. You are literally living
• 9:02
  Speaker 2: our dream. Jess and I just got back recently from
• 9:05
  Speaker 2: a holiday that we went on together. Because we're obsessed
• 9:07
  Speaker 2: with besties and work pals, but we were sitting by
• 9:12
  Speaker 2: a pool, going this is the life. Like imagine if
• 9:15
  Speaker 2: we had a life where we could work from beside
• 9:18
  Speaker 2: the pool, And that is the dream you are creating
• 9:20
  Speaker 2: for yourself. So like that bestI I get it. I'm envious.
• 9:24
  Speaker 2: That is an epic money goal. Next question, working towards
• 9:28
  Speaker 2: that money goal, do you have any investments? If so,
• 9:31
  Speaker 2: what are they?
• 9:32
  Speaker 5: Of course, so I invest in our cryptom So I've
• 9:36
  Speaker 5: invested a good amount in some of the coins like bitcoins, ethereum,
• 9:42
  Speaker 5: and a lot of few others because I think crypto
• 9:45
  Speaker 5: is going to be the next big thing. Imagine if
• 9:48
  Speaker 5: I invested whatever amount like ten years before and now
• 9:53
  Speaker 5: we know the value of crypto like bitcoins like gone
• 9:56
  Speaker 5: up so crazy. So yeah, we have been millionnaires at
• 10:00
  Speaker 5: the right time.
• 10:01
  Speaker 4: So hindsight's always twenty twenty though. I look at the
• 10:04
  Speaker 4: share market all the time and think the exact same thing.
• 10:06
  Speaker 4: I look at property and think the same thing.
• 10:08
  Speaker 2: Like where I'm from, property is like so expensive nowadays,
• 10:13
  Speaker 2: But growing up I was like, oh I could afford
• 10:15
  Speaker 2: three hundred K for hours, Well that's reasonable. One day
• 10:19
  Speaker 2: like that's pretty big, And now I'm like, oh, one
• 10:21
  Speaker 2: point five million dollars. I think not, sir, we are
• 10:24
  Speaker 2: not going to be doing that in my hometown. So
• 10:27
  Speaker 2: I feel like when we look at investments, hindsight is
• 10:29
  Speaker 2: always twenty twenty. It doesn't matter what the asset class
• 10:32
  Speaker 2: is here in it long enough, there is always going
• 10:34
  Speaker 2: to be some kind of payoff, right.
• 10:36
  Speaker 5: Of course, of course, And I think any time to
• 10:38
  Speaker 5: get started is the right time. So it's never too
• 10:42
  Speaker 5: late to start investments, too.
• 10:44
  Speaker 2: True. I have a more perfect question. You said, obviously
• 10:47
  Speaker 2: you've got a pretty good salary and you're investing. How
• 10:50
  Speaker 2: much do you invest regularly?
• 10:52
  Speaker 5: So I wait for the right time to buy. For example,
• 10:55
  Speaker 5: now of the crypto is down, it's a bear market,
• 10:57
  Speaker 5: so you know the currencies have gone down, like the
• 11:00
  Speaker 5: cryptocurrencies has gone down, So I probably buy during this time.
• 11:04
  Speaker 5: So I would probably just have my savings and when
• 11:07
  Speaker 5: I see the coin has gone down and it's not
• 11:09
  Speaker 5: going to go down further. If I see the price
• 11:12
  Speaker 5: chart going up, that's when I just buy. I invest
• 11:16
  Speaker 5: in buld probably ten to twelve grand or whatever budget
• 11:20
  Speaker 5: you know I have for that period of time. Yeah.
• 11:22
  Speaker 2: Cool. I love asking that question because there are some
• 11:26
  Speaker 2: people like me who automates my investment and just happens
• 11:29
  Speaker 2: set amount every single month, like I don't even look
• 11:31
  Speaker 2: at it, It just happens. And then people like you
• 11:33
  Speaker 2: who are really onto the market and what's going on
• 11:35
  Speaker 2: and when to buy, and you kind of like stockpilot
• 11:37
  Speaker 2: and then buy and bulk. And it's just so interesting
• 11:40
  Speaker 2: learning how people manage their own investment journeys because it's
• 11:43
  Speaker 2: literally different for every single person. Next question, my friend,
• 11:47
  Speaker 2: do you have any debt? If so, what is it.
• 11:50
  Speaker 5: I do have a debt, and I think it's a
• 11:52
  Speaker 5: good debt. So I have a property that I live
• 11:54
  Speaker 5: in my first term.
• 11:55
  Speaker 2: That is not bad debt.
• 11:56
  Speaker 5: Yeah, yeah, it's a good debt, and I would love
• 11:59
  Speaker 5: to have more debts. Why not?
• 12:02
  Speaker 2: The kind of set the way like it shares on
• 12:04
  Speaker 2: the money is the kind that helps us create wealth,
• 12:07
  Speaker 2: which is what it looks like you are doing. Tell
• 12:09
  Speaker 2: us about that property, though, like what did you pay
• 12:11
  Speaker 2: for it? And how much is on your mortgage right now?
• 12:14
  Speaker 5: Sure? So I bought this. I think it's about a
• 12:17
  Speaker 5: year and a half now that I've been living here,
• 12:19
  Speaker 5: and I bought this for about five hundred K. It's
• 12:21
  Speaker 5: a small apartment to bedroom and I think it's efficient
• 12:24
  Speaker 5: for me. Perfect so now. So yeah, and I paid
• 12:29
  Speaker 5: a deposit on this for I paid twenty percent deposit,
• 12:32
  Speaker 5: oh like the full full twenty percent. Yeah, because I
• 12:35
  Speaker 5: didn't want to play. I didn't want to pay Elmai,
• 12:37
  Speaker 5: you know, the lender mortgage insurance. And I was like, oh,
• 12:40
  Speaker 5: that's such a waste of money. So it's better that
• 12:42
  Speaker 5: you know, I extend, I push myself save more money
• 12:46
  Speaker 5: and so that it can go towards my deposit.
• 12:49
  Speaker 2: I love that. What a queen get it.
• 12:52
  Speaker 5: And that's when Uber came into picture and helped me
• 12:54
  Speaker 5: a lot because I used to work when I was,
• 12:57
  Speaker 5: you know, wanting to you know, purchase my property because
• 13:01
  Speaker 5: I want I didn't want to quit my job before
• 13:03
  Speaker 5: purchasing a property, yeah, because that's when I'll get my
• 13:06
  Speaker 5: bank loans. So I was still doing my job and
• 13:09
  Speaker 5: in the evenings I used to drive Uber. And Uber
• 13:11
  Speaker 5: helped me a lot, you know with securing my deposit.
• 13:15
  Speaker 2: How cool. I love that, all right. Next question is
• 13:19
  Speaker 2: about shopping, my friend, Do you use shop Act?
• 13:22
  Speaker 5: Not really. I've heard about it, but I haven't used
• 13:25
  Speaker 5: it yet.
• 13:26
  Speaker 2: That is fair. I feel like it's a good time
• 13:28
  Speaker 2: to recommend that to you because I feel like you're
• 13:30
  Speaker 2: pretty money savvy, so that wouldn't be a bad idea
• 13:32
  Speaker 2: to check it out. Next question, what is your best
• 13:36
  Speaker 2: money habit?
• 13:37
  Speaker 5: I think my best money habit would be that I
• 13:40
  Speaker 5: don't I don't know if this is the right answer,
• 13:43
  Speaker 5: but I think I don't spend much on unwanted things,
• 13:46
  Speaker 5: Like I'm very clear about what I want to spend on,
• 13:50
  Speaker 5: which is my business, my travel, and my family. So
• 13:54
  Speaker 5: I don't believe in having expensive clothes. I don't go
• 13:58
  Speaker 5: behind brands or you know, I don't want to buy
• 14:01
  Speaker 5: expensive furniture or anything that has a value that will
• 14:05
  Speaker 5: depreciate over time. Instead, I love investing my money in
• 14:09
  Speaker 5: something that because money is what you know, helps you
• 14:13
  Speaker 5: make that money more like grow money pretty much. So
• 14:16
  Speaker 5: I think that's my good money habit. That I don't
• 14:19
  Speaker 5: spend much.
• 14:20
  Speaker 2: So that is the funny habit. I like that you said,
• 14:23
  Speaker 2: I don't know if this is the right response. There's
• 14:25
  Speaker 2: no such thing. There's no right or wrong when it
• 14:27
  Speaker 2: comes to money, and I feel like that's a good one.
• 14:29
  Speaker 2: I need to learn to be a little bit more
• 14:31
  Speaker 2: like you. Recently, I've been a bit naughty, so I
• 14:34
  Speaker 2: do need to rein it in. I've got some pretty
• 14:36
  Speaker 2: bad money habits. But speaking of pretty bad money habits,
• 14:39
  Speaker 2: what are yours? What is your worst money habit?
• 14:42
  Speaker 5: I think sometimes I'm really impulsive or when it comes
• 14:45
  Speaker 5: to traveling, and I end up spending too much. So
• 14:49
  Speaker 5: if I have to give you an example, because I'm
• 14:51
  Speaker 5: pregnant now and I won't be able to travel obviously
• 14:54
  Speaker 5: as much as I used to travel, you know before,
• 14:57
  Speaker 5: So I went for it to to Bali and straight
• 15:01
  Speaker 5: after that I went to Fiji, and then I went
• 15:03
  Speaker 5: to Auckland. I did all this last minute without any plans.
• 15:08
  Speaker 5: And that's how I am when it comes to traveling.
• 15:10
  Speaker 5: I don't know, my mind just paralyzes, and I don't
• 15:13
  Speaker 5: mind spending. I'm like, it's okay, I you know, I
• 15:15
  Speaker 5: don't spend much on any other things, and traveling is
• 15:18
  Speaker 5: something that I love and I and that I'm just
• 15:20
  Speaker 5: trying to console myself so that I don't feel much
• 15:23
  Speaker 5: guilty about spending. So yeah, I think that's one of
• 15:26
  Speaker 5: my bad habits, that I'm a very impulsive spender when
• 15:29
  Speaker 5: it comes to traveling.
• 15:31
  Speaker 2: I think I like that though, Like I know that
• 15:34
  Speaker 2: that sounds like you're like, oh my gosh, I wish
• 15:36
  Speaker 2: I was better at it, But it really sounds like
• 15:37
  Speaker 2: you're good at spending your money in line with your values.
• 15:41
  Speaker 2: Like you're not going, oh my gosh, like I've got
• 15:43
  Speaker 2: this value of traveling, but I impulsively go shopping every
• 15:46
  Speaker 2: single weekend, and like, it just sounds like your money
• 15:49
  Speaker 2: is being spent in line with your values. So yeah,
• 15:52
  Speaker 2: you probably could do a little bit more planning, but
• 15:54
  Speaker 2: I get it, and I really like it. It's so cool.
• 15:57
  Speaker 2: All right, last question before we go to our really
• 16:00
  Speaker 2: quick break. What grade would you give yourself if we
• 16:03
  Speaker 2: forced you to give yourself a money grade.
• 16:06
  Speaker 5: I think I'm pretty good with managing my money, like
• 16:08
  Speaker 5: I said, because I don't spend much and I just
• 16:10
  Speaker 5: spend where it's required. So I think probably I'll give
• 16:13
  Speaker 5: myself an eight. But there's always cope for improvement in everything.
• 16:16
  Speaker 2: So what do you think it would take to get
• 16:19
  Speaker 2: to a ten?
• 16:20
  Speaker 5: Stopping my impulsive spending? I think, and I think investing
• 16:25
  Speaker 5: more in better places probably would be the thing. Yeah,
• 16:29
  Speaker 5: very cool.
• 16:29
  Speaker 2: All right, We're going to go to a really quick break,
• 16:31
  Speaker 2: and on the other side, I want to know how
• 16:33
  Speaker 2: you manage all of this. I've got so many work
• 16:35
  Speaker 2: life balance questions. See you on the other side. All right,
• 16:43
  Speaker 2: we are back money Diarist. You are very impressive. You
• 16:46
  Speaker 2: have two small businesses, you have a baby on the way,
• 16:49
  Speaker 2: which is really exciting, and you still manage to have
• 16:52
  Speaker 2: another side hustle with uber. Can you tell us a
• 16:56
  Speaker 2: little bit about how you manage it all, because it
• 16:58
  Speaker 2: sounds like you don't have a free it to yourself
• 17:00
  Speaker 2: right now.
• 17:01
  Speaker 5: Actually not. I do manage to spend a lot of
• 17:03
  Speaker 5: time for myself and you know, doing things that I
• 17:06
  Speaker 5: really love. So to be honest, when I used to
• 17:08
  Speaker 5: do a job, my nine to five typical it job,
• 17:12
  Speaker 5: I think I was finding things to be really difficult.
• 17:14
  Speaker 5: I would probably get really tired after four hours of
• 17:17
  Speaker 5: work and I'd be like, oh, I can't wait to
• 17:19
  Speaker 5: go home and things like that. But now when I
• 17:21
  Speaker 5: know it's my own, like both my businesses are like
• 17:24
  Speaker 5: my babies.
• 17:24
  Speaker 2: I get that. I get that through and through.
• 17:27
  Speaker 5: So I never whinge about them. Like I'm really happy
• 17:29
  Speaker 5: with whatever I'm doing, so it doesn't give me stress
• 17:32
  Speaker 5: at all, and I'm enjoying doing that. And the best
• 17:35
  Speaker 5: part is my husband works from home as well. So
• 17:38
  Speaker 5: we both work from home, so it's nice. We have
• 17:41
  Speaker 5: lunches together, we could breakfast together. I do spend a
• 17:45
  Speaker 5: lot of quality time with him as well while I'm working.
• 17:48
  Speaker 5: So yeah, I really feel that it's too much. I'm
• 17:51
  Speaker 5: super comfortable doing the things that I'm doing right now.
• 17:54
  Speaker 2: I feel like that's a really special way to be
• 17:57
  Speaker 2: and something that I wasn't expecting you to say, Like
• 18:00
  Speaker 2: as a business owner, I feel like I and I
• 18:02
  Speaker 2: hate this word. I really don't like the word busy
• 18:05
  Speaker 2: because I feel like busy as a choice, Like you
• 18:07
  Speaker 2: can't just keep saying like, oh my god, I'm so busy,
• 18:09
  Speaker 2: like usually just fluffing around or procrastinating. Like Jesse's looking
• 18:12
  Speaker 2: at me like, yeah, that's all you do, Victoria. But
• 18:15
  Speaker 2: it's one of those things where I just don't feel
• 18:17
  Speaker 2: like I have any free time. How are you managing
• 18:20
  Speaker 2: to fit uber into all of this as well? Is
• 18:23
  Speaker 2: that something that you're like really regimented about and you're like, Okay,
• 18:26
  Speaker 2: from this time to this time every single week, I
• 18:27
  Speaker 2: do this or do you just go, oh, I'm pretty awake.
• 18:30
  Speaker 2: I probably could go do some driving right now, Like
• 18:32
  Speaker 2: how does that fit in? How does that work.
• 18:35
  Speaker 5: So I don't have a particular time message for Uber.
• 18:38
  Speaker 5: So I basically I think there's what Uber right, the
• 18:41
  Speaker 5: smart way of making money is and this is just
• 18:43
  Speaker 5: from my own experience. People might have different experiences on
• 18:46
  Speaker 5: this one, of course. So basically I go and work
• 18:50
  Speaker 5: the hours which are like super busy, for example, Friday
• 18:53
  Speaker 5: evenings if I have nothing to do, and I know
• 18:55
  Speaker 5: Friday evenings are like super busy in the city areas,
• 18:57
  Speaker 5: so that's when I will spend my time because I
• 19:00
  Speaker 5: don't want to be, you know, driving around and making
• 19:03
  Speaker 5: less amount of money. So whenever there is a surge,
• 19:06
  Speaker 5: because on the Uber app you can see wherever there's
• 19:08
  Speaker 5: a search and it tells you where the busy area is.
• 19:11
  Speaker 2: Oh I just thought that was like automatic and then
• 19:13
  Speaker 2: the drivers didn't know. So are you saying you make
• 19:16
  Speaker 2: more money if there is a surge directly money when
• 19:21
  Speaker 2: I thought it was either making more money not the drivers.
• 19:25
  Speaker 2: I love that. Yeah, yeah, that's awesome.
• 19:27
  Speaker 5: X two x three. So it tells you, like, depending
• 19:30
  Speaker 5: on how busy it is, you make more money. So
• 19:33
  Speaker 5: I drive around those areas so that I can you
• 19:36
  Speaker 5: make most of my time and I don't have to
• 19:37
  Speaker 5: drive many hours.
• 19:38
  Speaker 2: You know, working smarter, not harder. I like it.
• 19:41
  Speaker 4: I want to know actually, because now that I'm thinking
• 19:44
  Speaker 4: about it, I don't think I have ever had an
• 19:47
  Speaker 4: Uber driver who is a female.
• 19:48
  Speaker 2: And I have, I have, but it's really rare.
• 19:51
  Speaker 4: Yeah, what has your experience been like as a woman,
• 19:54
  Speaker 4: because I know, I think as a female generally we're
• 19:56
  Speaker 4: a little bit more pet conscious.
• 19:58
  Speaker 2: Yeah for sure.
• 20:00
  Speaker 4: You know you're like, we get taught as kids strange
• 20:02
  Speaker 4: danger and now you're like, I'm going to pick up
• 20:03
  Speaker 4: a random person in my.
• 20:05
  Speaker 2: Car after this chat though, Like I want to go
• 20:07
  Speaker 2: in your uber. I think we would have a really
• 20:09
  Speaker 2: fun time.
• 20:10
  Speaker 4: Yeah, you'd passed me the OX for sure, But like,
• 20:12
  Speaker 4: what has that been like for you as a woman, Like,
• 20:15
  Speaker 4: has it been a positive experience? I mean, you're doing
• 20:17
  Speaker 4: it now, so I'm going to assume so, but just
• 20:19
  Speaker 4: how have you found it all?
• 20:20
  Speaker 5: It's always been a positive experience for me, Like you
• 20:22
  Speaker 5: just said, whenever I have a customer on board, like
• 20:25
  Speaker 5: on a passenger, the first thing to tell me is that, oh,
• 20:28
  Speaker 5: you're the first female uber driver ever scene and I'm like, yeah,
• 20:32
  Speaker 5: I know, I get that a lot. Oh definitely, So
• 20:37
  Speaker 5: there's not a lot of female drivers, and I think
• 20:39
  Speaker 5: the passengers that I've had are really respectful and they
• 20:42
  Speaker 5: appreciate that I'm working for Uber and I'm brave and
• 20:45
  Speaker 5: all of that. So I've never had any bad customers
• 20:48
  Speaker 5: or any bad experience as such, and have even driven
• 20:52
  Speaker 5: on Friday nights picked up drunk people, but they were
• 20:55
  Speaker 5: always nice. I think I've just been lucky. And Uber also,
• 20:59
  Speaker 5: has this your feature coming up now, where you like,
• 21:02
  Speaker 5: a female driver would pick up a female passenger. Yes, yes, yes,
• 21:07
  Speaker 5: So the girls who want to drive Uber and are
• 21:09
  Speaker 5: just concerned about safety, you know, this one is like
• 21:12
  Speaker 5: the best thing for them.
• 21:13
  Speaker 4: Ah, that's really clever. Has anyone ever thrown up in
• 21:16
  Speaker 4: your car just out.
• 21:16
  Speaker 5: Of shea.
• 21:21
  Speaker 2: Yuck? What would happen?
• 21:23
  Speaker 4: Well, I mean I've never done it, but I've heard.
• 21:25
  Speaker 2: That you wor yess, I'm proud of you. Thank you.
• 21:30
  Speaker 4: I've heard that they pay like a fee or something
• 21:31
  Speaker 4: to cover the cost of cleaning.
• 21:33
  Speaker 5: I think they do, yes, because I had a friend
• 21:35
  Speaker 5: he had that experience.
• 21:37
  Speaker 2: Oh no, I think they do.
• 21:39
  Speaker 5: Girls in one of them pub in the car or
• 21:41
  Speaker 5: something very clean in charge that Uber pays you driver,
• 21:46
  Speaker 5: So that good good.
• 21:47
  Speaker 2: That would be the thing that would give me the
• 21:49
  Speaker 2: most anxiety, like especially as a passenger as well. And
• 21:52
  Speaker 2: you're the same as me. Like both Jess and I
• 21:55
  Speaker 2: pride ourselves on our Uber ratings. Jess is a five
• 21:59
  Speaker 2: star and I'm like a four point eight. And I'm
• 22:02
  Speaker 2: salty about being a four point eight because I'm like,
• 22:05
  Speaker 2: which one of you drivers rated me less than a five?
• 22:08
  Speaker 2: Because I am perfect in the car, I'm nice, I
• 22:11
  Speaker 2: get in, I always make sure I haven't left anything.
• 22:14
  Speaker 2: I'm respectful you gave me less than a five? Just
• 22:16
  Speaker 2: a good to each cheek.
• 22:17
  Speaker 4: I don't know, actually, while we're talking about that, I'm
• 22:19
  Speaker 4: just getting so sidetracked right now. I have always wondered,
• 22:23
  Speaker 4: as an Uber driver, what do you want from a passenger?
• 22:27
  Speaker 4: Because it's such an interesting transaction when you think about
• 22:30
  Speaker 4: I guess, like the rating system and stuff. And I
• 22:31
  Speaker 4: always get quite nervous when I get into an Uber
• 22:34
  Speaker 4: because sometimes I'm like, I'm just not in the mood
• 22:36
  Speaker 4: to talk, like I'm like.
• 22:38
  Speaker 2: I'm getting an Uber because I'm exhausted.
• 22:40
  Speaker 4: I had a long flight or I did something and
• 22:42
  Speaker 4: I don't want to talk. But I don't want to
• 22:44
  Speaker 4: make my driver uncomfortable or seem rude, and so sometimes
• 22:47
  Speaker 4: I'll be like, all right, buck up, make the conversation,
• 22:50
  Speaker 4: be nice, be for it, like do you guys care
• 22:53
  Speaker 4: or are you just like, as long as you're not mean,
• 22:55
  Speaker 4: it doesn't matter.
• 22:56
  Speaker 5: I think, as long as the pastoma is not mean,
• 22:58
  Speaker 5: it truly doesn't matter. It goes the other way around,
• 23:01
  Speaker 5: as well as when the driver's super exhausted. Yeah, and
• 23:04
  Speaker 5: you have a customer who's like super chatty and just
• 23:06
  Speaker 5: goes like NonStop, and sometimes you're like, okay, I mean
• 23:10
  Speaker 5: you have to be nice.
• 23:11
  Speaker 4: To course, comfortable silence. It's nice for everyone, I feel.
• 23:16
  Speaker 2: I think the thing I like because I learned a
• 23:18
  Speaker 2: little while ago that obviously the ratings are really important,
• 23:21
  Speaker 2: and you know, if you rate too little, like you
• 23:24
  Speaker 2: can't ride in Uber. Like I know someone who's literally
• 23:27
  Speaker 2: been kicked off the app. That's all on them, though,
• 23:30
  Speaker 2: But the vice versa happens, right like money dirist, you
• 23:34
  Speaker 2: have to be a good driver and respectful and kind
• 23:36
  Speaker 2: because if you don't get good ratings, like Uber might
• 23:39
  Speaker 2: be like, we don't want you as a driver.
• 23:40
  Speaker 5: Right, true, too, true, of course, and they take those
• 23:43
  Speaker 5: things really seriously, like if a customer you know, had
• 23:46
  Speaker 5: a negative experience and they go complain about you know,
• 23:49
  Speaker 5: you not being nice to them or whatever. They do
• 23:52
  Speaker 5: investigate and might you know, get your account be activated.
• 23:56
  Speaker 2: So which I really like, Like that makes me feel
• 23:59
  Speaker 2: like when I get in an I'm getting a consistent,
• 24:01
  Speaker 2: nice experience. I know that the person is safe and
• 24:04
  Speaker 2: kind and you know, has done all the things that
• 24:06
  Speaker 2: they are meant to do. As an Uber driver, because
• 24:08
  Speaker 2: Jess and I, oh yes, and I were recently overseas,
• 24:14
  Speaker 2: Like I'm going to keep dragging this out, guys. If
• 24:16
  Speaker 2: you thought that we weren't going to talk about the
• 24:18
  Speaker 2: fact that we went on holiday, like you were wrong,
• 24:21
  Speaker 2: We're gonna keep talking about it. But we were overseas
• 24:24
  Speaker 2: and we got in a taxi and I think we
• 24:26
  Speaker 2: regretted it the second we got in. Yeah, not because
• 24:29
  Speaker 2: he was mean, not because he was rude, but because
• 24:31
  Speaker 2: he was like, guys, I'm a singer and we were
• 24:34
  Speaker 2: like are you, and he's like, yeah, I'm a really
• 24:36
  Speaker 2: good singer. And he proceeded to serenade us for the
• 24:39
  Speaker 2: next hour with an entire soundtrack that he'd made to
• 24:44
  Speaker 2: play his passengers. So we got to listen to his
• 24:47
  Speaker 2: classic hits, and I'm telling you right now there is
• 24:50
  Speaker 2: a reason why that man had not made it yet.
• 24:53
  Speaker 2: But I feel like on Uber, if I'd had the
• 24:56
  Speaker 2: ability to rate it and stop someone else from going
• 24:58
  Speaker 2: through that experience, maybe that would have been a positive experience.
• 25:01
  Speaker 4: Yeah. I like the rating system makes me feel very
• 25:04
  Speaker 4: safe because I have actually canceled an Uba once before
• 25:08
  Speaker 4: because they had a rating that wasn't high enough and
• 25:11
  Speaker 4: it was late at night and I was already feeling
• 25:13
  Speaker 4: sketched out and I was just like, oh, I actually
• 25:15
  Speaker 4: don't want to risk that, and I just another one
• 25:17
  Speaker 4: came along, and I just I like the rating system.
• 25:20
  Speaker 4: It makes me feel quite comfy, but it did make
• 25:23
  Speaker 4: me nervous when I'm like, am I being a good passenger?
• 25:25
  Speaker 4: Because five stars is very important to me as a human.
• 25:29
  Speaker 2: You literally tell everybody that you've got five stars, like
• 25:32
  Speaker 2: whenever we're out and we're like, oh, do you want
• 25:33
  Speaker 2: to get an Uber, Like we'll go back to Victoria's
• 25:35
  Speaker 2: house or whatever, just as like, well, I've got five stars,
• 25:37
  Speaker 2: old book. Slowly accept me first, Like okay, Jessica, looping
• 25:42
  Speaker 2: this back around to your goals, right, you said that
• 25:45
  Speaker 2: you want to travel around the world and travel is
• 25:47
  Speaker 2: like your main priority? Can you drive ubers in other countries?
• 25:51
  Speaker 2: Like if you were to move or you were to
• 25:52
  Speaker 2: like go traveling for a while, Like, how does that work?
• 25:56
  Speaker 5: I think it's I think it's not possible because you
• 25:59
  Speaker 5: have to register your self again. You know, you need
• 26:01
  Speaker 5: to have a different driver's license in a different country,
• 26:05
  Speaker 5: and every country has a different, you know, requirement.
• 26:07
  Speaker 2: I believe.
• 26:08
  Speaker 5: I wish it was possible.
• 26:10
  Speaker 2: That would be really cool. I mean you don't need
• 26:12
  Speaker 2: it because you have two small businesses.
• 26:16
  Speaker 5: Yeah that's true, but I wouldn't mind doing it if
• 26:19
  Speaker 5: it's a busy hour, you know, make more cash.
• 26:22
  Speaker 2: All right, Well tell me though, you're pregnant right now?
• 26:25
  Speaker 2: How far along are you tell us about that.
• 26:27
  Speaker 5: I'm thirty five weeks now.
• 26:29
  Speaker 2: Oh my gosh, so soon. Congratulations, thank you.
• 26:33
  Speaker 5: And it just went by so quick, like yeah, yeah,
• 26:37
  Speaker 5: just I've just got another four or five weeks to
• 26:39
  Speaker 5: go for my final day the day, my.
• 26:42
  Speaker 2: God, that's so exciting. How are you budgeting for baby?
• 26:47
  Speaker 5: I have enough savings which I've not touched at all
• 26:50
  Speaker 5: for the baby, and it's going to be untouched, you know,
• 26:54
  Speaker 5: till the baby grows up and everything.
• 26:56
  Speaker 2: So yeah, how cool. So are you going to be
• 27:00
  Speaker 2: able to drive, uber, or like, is that something that
• 27:02
  Speaker 2: you're like once I have this baby, like that's not
• 27:04
  Speaker 2: going to be possible, or like, what's the plan for
• 27:07
  Speaker 2: money making in the future, my friend.
• 27:09
  Speaker 5: I think I'll definitely do it, even after the baby.
• 27:11
  Speaker 5: I obviously will take a break for about a month
• 27:14
  Speaker 5: or two or whatever was required. I don't know. I'm
• 27:16
  Speaker 5: a first time mom, so I don't know how this
• 27:17
  Speaker 5: thing works. Yeah, but I think as soon as I'm
• 27:20
  Speaker 5: healthy and I can go back to driving, I think
• 27:23
  Speaker 5: I'll definitely do it. And it's not just the money
• 27:26
  Speaker 5: aspect for me or Uber. I think for me it's
• 27:29
  Speaker 5: like a really good stress buster because I love driving
• 27:32
  Speaker 5: and it's like my own space, you know what I mean.
• 27:34
  Speaker 5: So I'm away from home, I grab a nice coffee,
• 27:38
  Speaker 5: I drive around, meet some nice people. Sometimes sometimes the
• 27:41
  Speaker 5: customers are really nice, and you know, you have like
• 27:43
  Speaker 5: really deep and nice conversations with them, which sometimes you
• 27:47
  Speaker 5: really need in life, you know.
• 27:49
  Speaker 2: Yeah.
• 27:49
  Speaker 5: So yeah, for me, it's like a stress buster and
• 27:52
  Speaker 5: it's like my time, and on top of it, you
• 27:53
  Speaker 5: make money as well, which is amazing. So I probably
• 27:56
  Speaker 5: will still keep doing that on and off.
• 27:58
  Speaker 4: What about your other businesses? When you're a small business owner,
• 28:02
  Speaker 4: a lot of the time you're wearing all of the hats.
• 28:05
  Speaker 4: Do you have any employees in your business currently or
• 28:08
  Speaker 4: will your partner or do you have someone who will
• 28:11
  Speaker 4: step in for you while you are out? And you
• 28:13
  Speaker 4: know learning the ropes is in Newma.
• 28:15
  Speaker 5: Of course, the e commas I can still manage because
• 28:18
  Speaker 5: my stock is at my home. Like I've converted one
• 28:21
  Speaker 5: of the rooms into my office and that's where I
• 28:23
  Speaker 5: store all my stock as well, So e commas I
• 28:25
  Speaker 5: can still do it from home, so it's not an issue.
• 28:28
  Speaker 5: But for a marketing business, I have a small team
• 28:30
  Speaker 5: of two people who I employ on a casual basis.
• 28:34
  Speaker 5: So when I'm away for you know, my baby and
• 28:37
  Speaker 5: my maternity le or whatever, I probably won't go to
• 28:40
  Speaker 5: maternity ly we'll still be working, but we'll see. But
• 28:42
  Speaker 5: I do have support who can help me with my
• 28:45
  Speaker 5: marketing business.
• 28:46
  Speaker 2: Oh I love that. I just remember, Jess. One of
• 28:49
  Speaker 2: my favorite things about getting in ubers is you always
• 28:51
  Speaker 2: ask like or I don't know, maybe it's just me,
• 28:55
  Speaker 2: but I always like ask the uber driver. I'm like,
• 28:56
  Speaker 2: what do you do when you're not driving ubers because
• 28:59
  Speaker 2: they always have such good stories. Like imagine getting in
• 29:02
  Speaker 2: an Uba with today's Money diarist to being like what
• 29:04
  Speaker 2: are you doing? She's like, oh, well, I have these
• 29:06
  Speaker 2: two business I'd be like, what are you doing? Like
• 29:09
  Speaker 2: you're a wizard. And the amount of people I've gotten
• 29:11
  Speaker 2: in Anuba with that have this like they're like, oh yeah,
• 29:14
  Speaker 2: I have a band, I do this or I do that,
• 29:15
  Speaker 2: And You're just like, how cool are the people that
• 29:18
  Speaker 2: you just get to meet when you jump in an uber?
• 29:20
  Speaker 5: Yeah?
• 29:21
  Speaker 2: It's super interesting. All right, money Doris, I'm so sorry,
• 29:24
  Speaker 2: but I think that is all we have time for today.
• 29:26
  Speaker 2: So Jess, I think you need to wrap the boring
• 29:28
  Speaker 2: but important stuff and let our money Doris get back
• 29:30
  Speaker 2: to work.
• 29:31
  Speaker 4: Alrighty, don't forget, guys that the advice shared on She's
• 29:34
  Speaker 4: on the Money is general in nature and just not
• 29:36
  Speaker 4: consider your individual circumstances. She's on the Money exists purely
• 29:39
  Speaker 4: for educational purposes and should not be relied upon to
• 29:42
  Speaker 4: make an investment or a financial decision. And we promise
• 29:45
  Speaker 4: Victoria Devine and She's on the Money are authorized representatives
• 29:48
  Speaker 4: of Infocused Securities Australia Proprietary Limited ABM four seven oh
• 29:52
  Speaker 4: nine seven seven nine seven oh fort nine AFSL two
• 29:55
  Speaker 4: three six five.
• 29:56
  Speaker 2: Two three See you on Wednesday. Guys. Bye.
• 30:01
  Speaker 3: They were beat the diet.
• 30:04
  Speaker 2: They were