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MONEY DIARIES: Work, Live, Play - 5 Hours Away (from a Supermarket)! · She's On The Money

• 0:00
  Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud Order
• 0:05
  Speaker 1: Order Kerni Whoalbury and a waddery woman. And before we
• 0:08
  Speaker 1: get started on She's on the Money podcast, I would
• 0:11
  Speaker 1: like to acknowledge the traditional custodians of the land of
• 0:14
  Speaker 1: which this podcast is recorded on a wondery country, acknowledging
• 0:18
  Speaker 1: the elders, the ancestors and the next generation coming through
• 0:23
  Speaker 1: as this podcast is about connecting, empowering, knowledge sharing and
• 0:27
  Speaker 1: the storytelling of you to make a difference for today
• 0:31
  Speaker 1: 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 podcast for
• 1:00
  Speaker 4: millennials who want financial freedom. Welcome back to another one
• 1:04
  Speaker 4: of our money diaries where I get the absolute pleasure
• 1:07
  Speaker 4: of talking to one of our She's on the Money
• 1:08
  Speaker 4: community members all about their journey. Let's jump straight into it,
• 1:12
  Speaker 4: because this week I got a message and it sounded
• 1:15
  Speaker 4: exactly like this. Hi, She's on the Money. I live
• 1:19
  Speaker 4: on a cattle station in the Northern Territory, five hundred
• 1:22
  Speaker 4: kilometers from the nearest Woolies. I've become a keen saver
• 1:26
  Speaker 4: because I have very minimal bills and obviously don't get
• 1:29
  Speaker 4: to go to the shops much. I would love to
• 1:31
  Speaker 4: share my story and unique lifestyle with the community Money diarists.
• 1:36
  Speaker 4: This is wild to be like the idea that you
• 1:39
  Speaker 4: have to plan so much to get to woollies. Like
• 1:42
  Speaker 4: you can't just pop to the shops on your lunch break,
• 1:44
  Speaker 4: can you?
• 1:45
  Speaker 2: No? Not at all?
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  Speaker 4: How long does it take to get to the shops?
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  Speaker 2: Ah? Five hours?
• 1:50
  Speaker 4: Like you jump in the car and you drive for
• 1:52
  Speaker 4: five hours?
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  Speaker 2: Yeah?
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  Speaker 4: And how often do you do that?
• 1:56
  Speaker 2: Once a month or a bit over a month?
• 1:57
  Speaker 4: Oh my gosh? And does everyone just get in the car?
• 2:00
  Speaker 4: Who goes? What's the plan?
• 2:02
  Speaker 2: It depends. Sometimes it could just be me.
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  Speaker 5: But then sometimes we'll try working in if we have
• 2:08
  Speaker 5: to go to town to pick up parts or something,
• 2:09
  Speaker 5: we're like, we'll just get a store water.
• 2:11
  Speaker 4: Then yeah, that's fair. So I need to know, like
• 2:14
  Speaker 4: what happens if all these doesn't have the thing that
• 2:16
  Speaker 4: you drove into town to get.
• 2:17
  Speaker 5: Well, because we do click and collect, we sort of
• 2:19
  Speaker 5: don't find out till after so you sort of just
• 2:23
  Speaker 5: gotta live without it for another month or so.
• 2:25
  Speaker 4: No, obviously you can't just get a new roots delivery
• 2:29
  Speaker 4: there can you? I can't just be like, oh, we
• 2:31
  Speaker 4: forgot the butt, I don't worry about it. You'd literally
• 2:34
  Speaker 4: have to basically make your own, wouldn't you.
• 2:36
  Speaker 5: Yes, yeah, yeah, I have a checklist I try to follow,
• 2:39
  Speaker 5: so I try not to forget anything.
• 2:40
  Speaker 4: Oh my gosh. All right, well, I'm sure this is
• 2:42
  Speaker 4: going to come up again. I have so many questions
• 2:45
  Speaker 4: about this life. But before we get there, let's jump
• 2:48
  Speaker 4: into the structured questions that I always like to ask
• 2:51
  Speaker 4: money dost. I want to know, from the top, what
• 2:54
  Speaker 4: grade would you give your money habits if we asked
• 2:56
  Speaker 4: you to give them a grade from A through to F.
• 2:58
  Speaker 4: Probably a C plus C plus all right for someone
• 3:02
  Speaker 4: who literally can't get to the shops easily. I need
• 3:05
  Speaker 4: to know more about this. Tell me a bit more
• 3:08
  Speaker 4: about your money story. I feel like I'm so excited
• 3:10
  Speaker 4: to hear this one.
• 3:11
  Speaker 2: Well.
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  Speaker 5: I grew up in like not small city, i'd say,
• 3:16
  Speaker 5: with five other siblings. So it was a big family,
• 3:19
  Speaker 5: and so we didn't go without, but we didn't get
• 3:22
  Speaker 5: everything we wanted because it was like, you know, a
• 3:25
  Speaker 5: lot of kids to pay for everything. So we started
• 3:27
  Speaker 5: working at a young age, me and my twin sister.
• 3:31
  Speaker 5: We started working when we're eleven, just delivering junk maut
• 3:34
  Speaker 5: and I feel like that gave us like.
• 3:36
  Speaker 2: A really good work ethic.
• 3:38
  Speaker 5: And then yeah, throughout school, we always had a part
• 3:41
  Speaker 5: time job.
• 3:43
  Speaker 2: Saving spending a bit.
• 3:45
  Speaker 5: But as soon as I graduated school, I didn't even
• 3:49
  Speaker 5: go to my graduation. I went down to wa for
• 3:52
  Speaker 5: the harvest and just saved about fifteen grand within three months.
• 3:56
  Speaker 5: Oh my gosh, I'd chased a binge driver and then
• 4:00
  Speaker 5: my first car, and then I moved to the cattle station.
• 4:02
  Speaker 2: Like straight after that.
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  Speaker 4: You were like, I do not have a plan to graduate. Thanks,
• 4:07
  Speaker 4: just post me the certificate. I'll pick it up when
• 4:09
  Speaker 4: I'm in town. Yeah, I'm off. I was living on
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  Speaker 4: a cattle station, always a plan, Like is this a
• 4:14
  Speaker 4: family cattle station or is this you going? This is
• 4:17
  Speaker 4: the life I want to live?
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  Speaker 1: Like?
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  Speaker 4: How did you end up on a cattle station when
• 4:21
  Speaker 4: you grew up in I won't say major city, but
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  Speaker 4: like a relatively large city.
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  Speaker 2: No, I don't know.
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  Speaker 5: I didn't know what I wanted to do all throughout school,
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  Speaker 5: and I was like, oh, I don't want to be
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  Speaker 5: like I didn't the office job didn't appeal to me,
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  Speaker 5: and I was like, I want to be like physical, active,
• 4:38
  Speaker 5: working like sort of hard labor, not hard labor, but.
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  Speaker 2: You know, physical on my body.
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  Speaker 5: And then we had a family friend who had a
• 4:45
  Speaker 5: cattle station. He was like, oh, you'd be like a
• 4:48
  Speaker 5: really good Jilaru ringer. You should come out to mind
• 4:51
  Speaker 5: and see if you like it. And then I did,
• 4:53
  Speaker 5: and then I really liked it, and I was like, Hey,
• 4:55
  Speaker 5: this is what I want to do, and.
• 4:56
  Speaker 2: Then just applied at heaps.
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  Speaker 5: Even though he offered me a job, I wanted to
• 4:59
  Speaker 5: go to a company one with more employees and stuff
• 5:04
  Speaker 5: like that.
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  Speaker 2: So and then I eventually, yeah, got a job.
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  Speaker 4: I didn't even know that was a thing. So what
• 5:08
  Speaker 4: your family friend was offering was like a family cattle station.
• 5:13
  Speaker 4: And then there are like corporate cattle station. I won't
• 5:15
  Speaker 4: say corporate, but like business cattle stations that have lots
• 5:18
  Speaker 4: of employees. Yes, how does that work?
• 5:21
  Speaker 5: I'm a smaller and they might only have like five employees.
• 5:25
  Speaker 5: And then if you like work for a company, normally
• 5:27
  Speaker 5: their stations are a lot bigger, so there could be
• 5:30
  Speaker 5: like ten to twenty employees.
• 5:32
  Speaker 4: Wow, So tell me more about this. Where do you live,
• 5:36
  Speaker 4: you live on the cattle station. Do you live with
• 5:38
  Speaker 4: all these twenty other employees? Like how does this situation work?
• 5:42
  Speaker 5: Well, my first year, I was first year ringer and
• 5:46
  Speaker 5: I lived. Yeah, it was like a station with eighteen
• 5:48
  Speaker 5: employees plus another business like a helicopter business on that
• 5:53
  Speaker 5: station as well, so that had like twenty to thirty
• 5:56
  Speaker 5: people living there as well.
• 5:57
  Speaker 2: So it was like big. But yeah, so it was
• 6:00
  Speaker 2: like really good.
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  Speaker 5: You just had like a single room accommodation, eight dinner
• 6:04
  Speaker 5: with everyone every night, like yeah, work, live, play all together.
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  Speaker 5: Didn't really get a break from everyone, but it was
• 6:10
  Speaker 5: like so good. But now I me and my partner,
• 6:13
  Speaker 5: he oversees a cattle station, so like I'm overseer support.
• 6:17
  Speaker 5: So it's just us too on like an outstation with
• 6:21
  Speaker 5: normally one employee, but we don't have one at the moment.
• 6:24
  Speaker 4: Oh my gosh. So now you just get to work
• 6:25
  Speaker 4: with your partner every day.
• 6:27
  Speaker 2: Yeah, how cool.
• 6:29
  Speaker 4: Yeah, that's that's a lot. Like I'm not gonna lie.
• 6:32
  Speaker 4: I adore my husband, but I don't think I would
• 6:35
  Speaker 4: be able to say that if we worked together. Lots
• 6:37
  Speaker 4: of people always ask me like, oh my gosh, does
• 6:40
  Speaker 4: Steve help out with business because he does work in
• 6:43
  Speaker 4: like a marketing space, and obviously that's important for what
• 6:45
  Speaker 4: I do. And I'm always like absolutely not like keep
• 6:49
  Speaker 4: away from what I do. It will not be healthy
• 6:51
  Speaker 4: for our relationship. So I'm impressed. If you can get
• 6:55
  Speaker 4: through that, you must be a very very solid couple.
• 6:58
  Speaker 4: Tell me more about this you mentioned before, For like
• 7:00
  Speaker 4: you thought about becoming a Jillaru or a ringer and
• 7:03
  Speaker 4: then you became a first year ringer. What is that job?
• 7:07
  Speaker 4: How does that work?
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  Speaker 5: So like Jillarou is like a female station hand like
• 7:11
  Speaker 5: starting out, and so like ringers just like a station hand.
• 7:14
  Speaker 2: They're just like two different words for it.
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  Speaker 5: But yeah, it was like really hard because I was
• 7:19
  Speaker 5: obviously so green. I didn't I didn't grow up on
• 7:22
  Speaker 5: a farm or anything, so I had no experience. But like,
• 7:25
  Speaker 5: if you just have a good attitude and a good
• 7:27
  Speaker 5: work ethic and show that to your employees, they'll be
• 7:31
  Speaker 5: keen on you because they can teach those skills.
• 7:33
  Speaker 4: Yeah, one hundred percent. I feel like that is across
• 7:35
  Speaker 4: the board for any area. Like if somebody has good
• 7:39
  Speaker 4: work ethic, like I can teach you the technical skills.
• 7:42
  Speaker 4: But if someone does not have good work ethic, Like
• 7:45
  Speaker 4: it is almost like pulling teeth. You're like, I don't
• 7:47
  Speaker 4: care if you have the best technical skills. If I
• 7:50
  Speaker 4: have to pull teeth with you, I just I can't
• 7:53
  Speaker 4: do it, whether you are the employer or the employee,
• 7:56
  Speaker 4: Like there's nothing worse than working with a colleague who
• 7:58
  Speaker 4: has bad work ethic. You're just like, why am I
• 8:01
  Speaker 4: putting all this effort in? So I can see why,
• 8:04
  Speaker 4: especially when things are a little bit harder, especially when
• 8:07
  Speaker 4: you're remote, like work ethic would be running rings around
• 8:10
  Speaker 4: any type of technical skill.
• 8:12
  Speaker 5: Ere can Yeah, most people out here know, like you
• 8:15
  Speaker 5: have to have a good work ethic, so everyone comes
• 8:17
  Speaker 5: out here to work hard. So tell me now about
• 8:21
  Speaker 5: how much you earn and what your job is today.
• 8:24
  Speaker 5: So I'm overseas support and I own fifty two thousand.
• 8:28
  Speaker 2: Five hundred plus super.
• 8:30
  Speaker 5: A year, and my job, like now that I'm overseas
• 8:34
  Speaker 5: support is like anything like I do all the garden
• 8:39
  Speaker 5: we do, like diesel return data entry as well as
• 8:42
  Speaker 5: my string processing cattle, Like I just do whatever they
• 8:47
  Speaker 5: need me to do, Like with my partner, help him
• 8:49
  Speaker 5: do put troughs in like I do bor runs or
• 8:53
  Speaker 5: walk the grater somewhere like I just do everything and
• 8:56
  Speaker 5: anything really wow.
• 8:58
  Speaker 4: So it's kind of like you've taken over the farm
• 9:01
  Speaker 4: and you're the boss of the farm, Like you just
• 9:03
  Speaker 4: have to make sure everything happens, is that right?
• 9:05
  Speaker 2: Yeah?
• 9:06
  Speaker 5: As well as like cook, I'm the cook for us,
• 9:08
  Speaker 5: but like normally we have someone here, but we might
• 9:10
  Speaker 5: have like another station rings come stay with us for
• 9:13
  Speaker 5: a couple of weeks, so it could we like cooking
• 9:15
  Speaker 5: for ten people.
• 9:16
  Speaker 2: Yeah, oh my gosh.
• 9:17
  Speaker 4: And you're doing that as well as everything else on
• 9:20
  Speaker 4: the farm.
• 9:21
  Speaker 2: Yeah, Oh my gosh.
• 9:22
  Speaker 4: Are you exhausted? Like what are your hours each day when.
• 9:25
  Speaker 5: We're mystering, It'll be like dark till dark, so twelve
• 9:28
  Speaker 5: hours plus and then if it's like yeah, not mustom
• 9:33
  Speaker 5: but it's not the off season, it could be yeah,
• 9:35
  Speaker 5: still twelve hours, but it could be like ten hours.
• 9:38
  Speaker 2: Nothing really less than ten hours.
• 9:41
  Speaker 4: Really, oh my gosh. And are you super tired at
• 9:44
  Speaker 4: the end of the day or are you just enthusiastic
• 9:46
  Speaker 4: about getting back into it the next day?
• 9:48
  Speaker 5: It depends, I guess like when we're flat out for
• 9:51
  Speaker 5: like a month mustering, you do get pretty tired, But
• 9:54
  Speaker 5: then it's like so fun, So you're like, you just
• 9:57
  Speaker 5: try to go to sleep, Like as soon as dinner
• 9:58
  Speaker 5: is finish, have a shower, just go straight to bed.
• 10:01
  Speaker 4: Yeah that's so fair. So tell me more about this salary,
• 10:04
  Speaker 4: because fifty two thousand dollars is I would say, for
• 10:08
  Speaker 4: twelve hour days not that much remuneration. Do you get
• 10:13
  Speaker 4: paid in any other way? So is housing included? Or like,
• 10:16
  Speaker 4: what do your bills look like? How does that work?
• 10:19
  Speaker 2: Yeah?
• 10:19
  Speaker 5: So housing and foods all paid for, so we don't
• 10:23
  Speaker 5: pay anything to do with that. And then yeah, I
• 10:27
  Speaker 5: literally don't have any bills other than.
• 10:29
  Speaker 2: My car on my phone.
• 10:30
  Speaker 4: Oh how good?
• 10:31
  Speaker 2: Everything sort of supplied.
• 10:33
  Speaker 4: Yeah, so everything's supplied. And then of that salary that
• 10:36
  Speaker 4: you make, you're basically able to save it or spend
• 10:38
  Speaker 4: it on whatever you would like.
• 10:40
  Speaker 6: Is that right?
• 10:40
  Speaker 2: Yeah? Yeah, that's right.
• 10:42
  Speaker 4: And tell me what does the future look like? Are
• 10:44
  Speaker 4: we doing this forever? You're obviously in love with somebody
• 10:47
  Speaker 4: who oversees the cattle station, so I don't think you're
• 10:50
  Speaker 4: going anywhere too quickly, but like, what does that look
• 10:53
  Speaker 4: like in the future when it comes to income and
• 10:55
  Speaker 4: what does it look like in terms of I guess lifestyle.
• 10:58
  Speaker 5: We're not sure yet like we would love to do
• 11:00
  Speaker 5: it for a few more years, but we don't know
• 11:03
  Speaker 5: if we want to have a break and then have
• 11:04
  Speaker 5: kids and then come back.
• 11:07
  Speaker 2: Right, Yeah, we're not sure, but like it's a yes,
• 11:10
  Speaker 2: so good.
• 11:10
  Speaker 5: But if we did want to continue, then you can
• 11:13
  Speaker 5: like look into managing a station, which is like the
• 11:16
  Speaker 5: next sort of big opportunity. Then it doesn't really go
• 11:21
  Speaker 5: much higher than that, but like the pay would go
• 11:24
  Speaker 5: a little bit higher, but not like huge, but you'd
• 11:26
  Speaker 5: probably get more benefits, like your desil paid for, a
• 11:29
  Speaker 5: car supplied and everything else.
• 11:32
  Speaker 4: Yeah, So when it comes to a job like this,
• 11:35
  Speaker 4: I'm making the grand assumption that it's really a passion job,
• 11:39
  Speaker 4: Like you've got to be really passionate about it and
• 11:41
  Speaker 4: want to be able to do it. Because I think
• 11:43
  Speaker 4: a lot of people listening, and this is not offensive
• 11:46
  Speaker 4: in the slightest. I don't think they just go money
• 11:49
  Speaker 4: direst For that amount of money, you could not pay
• 11:52
  Speaker 4: me to do twelve hour days on a cattle station
• 11:55
  Speaker 4: five hundred kilometers from a wallase like that just feels
• 11:59
  Speaker 4: like a lot. But for you, like you are beaming
• 12:02
  Speaker 4: right now, You're like, but I love it, is that right?
• 12:04
  Speaker 2: Yeah?
• 12:05
  Speaker 5: Like it's just for the laugh style so different and unique,
• 12:08
  Speaker 5: but it's so fun and you get an experience so much,
• 12:12
  Speaker 5: like so different to living anywhere else really and learn
• 12:16
  Speaker 5: so many skills.
• 12:17
  Speaker 4: I want to know so much more about this, But
• 12:19
  Speaker 4: that is not a Money Diaries episode. That's just me
• 12:21
  Speaker 4: being super pervy. I need to know what are your
• 12:24
  Speaker 4: big money goals? What are you currently working towards.
• 12:27
  Speaker 5: Well, my closest one will be a new car, which
• 12:30
  Speaker 5: I've got twenty grand in savings for that, but I
• 12:33
  Speaker 5: want a good reliable food drive, so roughly going to
• 12:37
  Speaker 5: spend maybe like forty grand. And then I've also got
• 12:41
  Speaker 5: a house deposit account which i'm saving from when I've
• 12:43
  Speaker 5: got seven grand in.
• 12:44
  Speaker 4: That, so oh how cool? Yeah, what does that look
• 12:49
  Speaker 4: like in the future, a house deposit If you're living
• 12:52
  Speaker 4: out on a cattle station, I'm assuming it's not a
• 12:54
  Speaker 4: property that you're planning on moving into in the immediate future.
• 12:58
  Speaker 4: When are we planning on property or do you have
• 13:01
  Speaker 4: a plan for that at all?
• 13:03
  Speaker 5: Maybe in like three to four years. Yeah, when I
• 13:06
  Speaker 5: have more stable like assets like my car will be reliable,
• 13:11
  Speaker 5: and then I might yeah, use.
• 13:13
  Speaker 2: It as an investment property eventually yeah, and.
• 13:16
  Speaker 4: Is that something that you would purchase with your partner,
• 13:18
  Speaker 4: Like I need to know, like did you meet him
• 13:20
  Speaker 4: out on the cattle station? Like how did you two
• 13:23
  Speaker 4: get together? Because I feel like this could be a cute,
• 13:25
  Speaker 4: little remote love story.
• 13:27
  Speaker 2: Yeah, we did.
• 13:28
  Speaker 5: Actually we met him my first year and he was
• 13:30
  Speaker 5: like a ringer on this station and then like we
• 13:33
  Speaker 5: lived and worked together.
• 13:34
  Speaker 2: And then I like we didn't think much of it.
• 13:36
  Speaker 2: Like I didn't.
• 13:36
  Speaker 5: I was just like there to work and like learn
• 13:38
  Speaker 5: so much. And then and then once we went by,
• 13:41
  Speaker 5: and then we were like started like talking and hanging
• 13:43
  Speaker 5: out and like spending more time together as soon as
• 13:46
  Speaker 5: we knocked off work and they were like, oh yeah,
• 13:48
  Speaker 5: and then we just started dating and.
• 13:49
  Speaker 4: This is a thing. I love it. I love it.
• 13:52
  Speaker 4: And how long has he been working on cattle stations?
• 13:55
  Speaker 5: Ah?
• 13:55
  Speaker 2: This is his sixth year.
• 13:56
  Speaker 4: Oh my gosh. And does he have a very similar
• 13:59
  Speaker 4: salary to you or is it a bit more because
• 14:00
  Speaker 4: he's an overseer.
• 14:02
  Speaker 2: Yeah, he's on like twenty grand more than me.
• 14:04
  Speaker 4: And is that like a normal step up. I'm just
• 14:08
  Speaker 4: I'm trying to like work out what the career progression
• 14:11
  Speaker 4: for your type of role is because you know how
• 14:13
  Speaker 4: you said, oh, you could go up to a manager.
• 14:15
  Speaker 4: What's the difference between like an overseer and then like
• 14:18
  Speaker 4: a cattle station manager.
• 14:20
  Speaker 5: So like he oversees the property and all the life
• 14:25
  Speaker 5: work that happens and everything, but the manager might like
• 14:29
  Speaker 5: do the finance side and order certain like contractors and
• 14:33
  Speaker 5: stuff like that, like proper right. Yeah.
• 14:35
  Speaker 4: Yeah, it's like the more business decisions when you're a manager, right.
• 14:39
  Speaker 5: Yeah, where he does like all the work decisions.
• 14:42
  Speaker 4: Yeah. I love that. I feel like it's so interesting
• 14:44
  Speaker 4: learning about other people's lifestyles and like how that works.
• 14:47
  Speaker 4: Because you know, even at the start of this you said, oh, yep,
• 14:50
  Speaker 4: I was going to be a jillaru or a ringer,
• 14:52
  Speaker 4: and I was like, I have no idea what either
• 14:54
  Speaker 4: of those things are. Please tell me, And don't think
• 14:57
  Speaker 4: I'm silly for asking please.
• 14:59
  Speaker 2: No.
• 15:00
  Speaker 4: Definitely not money dires. Let's go to a really quick
• 15:02
  Speaker 4: break on the flip side. I want to talk to
• 15:04
  Speaker 4: you about debts and investments. And I feel like you've
• 15:06
  Speaker 4: got some pretty good money habits because you can't get
• 15:09
  Speaker 4: to the shops very often, so guys, don't go anywhere.
• 15:16
  Speaker 4: Myneed diarist. We are back and we are talking about
• 15:18
  Speaker 4: your life living on a cattle station five hundred kilometers
• 15:22
  Speaker 4: from the nearest woollies. And my next question I want
• 15:25
  Speaker 4: to know about is investments. So tell me about whether
• 15:29
  Speaker 4: you invest or not? And if you don't, do you
• 15:32
  Speaker 4: have a plan what does that look like in the future.
• 15:35
  Speaker 5: I have one hundred and fifteen dollars an ETFs, but
• 15:39
  Speaker 5: I also salary sacrifice into my souper fifty dollars a week.
• 15:43
  Speaker 6: Oh how cool.
• 15:44
  Speaker 4: How long have you been doing that?
• 15:46
  Speaker 5: Last year I think I did forty dollars a week,
• 15:48
  Speaker 5: and then this year I started doing fifty dollars a week.
• 15:51
  Speaker 4: Oh how good. And that's on top of your regular contributions. Yeah,
• 15:56
  Speaker 4: did you make a plan for fifty dollars or was
• 15:58
  Speaker 4: that you just going all right, I know I need
• 16:01
  Speaker 4: to contribute more to this, or I really want to
• 16:03
  Speaker 4: contribute more to this fifty dollars is what I can afford?
• 16:05
  Speaker 4: Or is that you like working backwards on a specific plan,
• 16:08
  Speaker 4: or like how does that work?
• 16:10
  Speaker 2: Nah?
• 16:10
  Speaker 5: Well, last year I just like I was like, Oh,
• 16:12
  Speaker 5: I should just do it because I know I want
• 16:13
  Speaker 5: to have like try to have like four kids if
• 16:16
  Speaker 5: I get that privilege.
• 16:17
  Speaker 4: Four babies Yeah, you came from a big family, so
• 16:20
  Speaker 4: that makes sense.
• 16:21
  Speaker 2: Yes.
• 16:21
  Speaker 5: So I was like, I'll be out of the workforce
• 16:24
  Speaker 5: for a bit, like I need to, and while I'm
• 16:26
  Speaker 5: young for it to compound. I was like, I'll just
• 16:29
  Speaker 5: do it now, like while I don't have pips of
• 16:31
  Speaker 5: bills and I I'm not fuss that it's not coming
• 16:33
  Speaker 5: into my bank account. And then I think I got
• 16:36
  Speaker 5: like a little five percent pay rise, so I was like, oh,
• 16:39
  Speaker 5: just put extra in there as well.
• 16:41
  Speaker 4: I really like that you're thinking about superannuation contributions while
• 16:44
  Speaker 4: you're so young and you know how old are you again,
• 16:47
  Speaker 4: twenty So you're twenty and you're thinking about the time
• 16:50
  Speaker 4: that you're going to take off for like maternity or
• 16:52
  Speaker 4: parental leave, and that's just ah, I love it so much.
• 16:56
  Speaker 4: I want to like hug you because it's just putting
• 16:58
  Speaker 4: you so far ahead. I could tell from your demeanor
• 17:01
  Speaker 4: that you're like, oh, I don't really invest that much,
• 17:03
  Speaker 4: but like you're twenty, you already have some ETFs and
• 17:05
  Speaker 4: you're adding extra to souper with the thought pattern that
• 17:08
  Speaker 4: you're like, well, I want kids one day and I
• 17:10
  Speaker 4: don't want to be too far behind, Like do you
• 17:12
  Speaker 4: know how far ahead that puts you, Like you are
• 17:15
  Speaker 4: so far ahead of most people who are you know,
• 17:18
  Speaker 4: much older than you, who maybe have a bit more
• 17:21
  Speaker 4: cash but haven't got the plan for it. Like I
• 17:24
  Speaker 4: think that you're under selling how good you are at money,
• 17:26
  Speaker 4: my friend, thank you. I'm obsessed with it. And tell
• 17:29
  Speaker 4: me about this kid's plan. Is this something where you've
• 17:33
  Speaker 4: said to your partner, by the way, four kids, that's
• 17:35
  Speaker 4: the plan, because that's a lot of kids in this
• 17:37
  Speaker 4: day and age.
• 17:38
  Speaker 5: I know he's like, oh, three, and I'm like, no,
• 17:41
  Speaker 5: it has to be even, we have.
• 17:42
  Speaker 4: To have four, has to be even, does it. I
• 17:46
  Speaker 4: feel like I'm a new mum. I can't stop talking
• 17:48
  Speaker 4: about it, so please excuse me.
• 17:51
  Speaker 2: Gratulations.
• 17:52
  Speaker 4: Thank you. I know a lot of people are always
• 17:54
  Speaker 4: like in the first year, don't even talk to me
• 17:55
  Speaker 4: about second babies, don't even talk to me about you know,
• 17:58
  Speaker 4: when the next one's coming. And I'm loky, like, so,
• 18:01
  Speaker 4: how many of these are my allowed, Steve, because like
• 18:04
  Speaker 4: I would like more of these, like not just yet,
• 18:07
  Speaker 4: calm down, like, don't worry, I'm not trying to scare you,
• 18:09
  Speaker 4: but like these are real cool, real fun. They are
• 18:14
  Speaker 4: so fun, so I think that's a really cool plan.
• 18:17
  Speaker 4: Tell me a little bit more. I want to know
• 18:20
  Speaker 4: about debt. Do you have any debt? If so, what
• 18:22
  Speaker 4: is it.
• 18:23
  Speaker 2: No, I don't have any debt at all.
• 18:25
  Speaker 4: And you never went to UNI, so you don't have
• 18:27
  Speaker 4: a hextet. You're completely clean. All you have is all
• 18:30
  Speaker 4: your savings and your ets and your super so you're
• 18:33
  Speaker 4: well above I love it. Tell me about your best
• 18:37
  Speaker 4: money habit. I feel like, living remotely, you're gonna have
• 18:40
  Speaker 4: to have a few of them.
• 18:41
  Speaker 2: Yeah.
• 18:42
  Speaker 5: Well, because we only go to town, you know, every
• 18:45
  Speaker 5: so often. I try to, like look at the specials
• 18:48
  Speaker 5: the week before. For the town we do go to
• 18:51
  Speaker 5: get our food only has a wool worse. It doesn't
• 18:53
  Speaker 5: even have a cold. But before we go to the
• 18:55
  Speaker 5: next town over, which is another three hours, which sometimes
• 18:58
  Speaker 5: we do.
• 18:59
  Speaker 4: In addition to that five hour drive. Yeah, so it
• 19:02
  Speaker 4: takes you five hours to drive to the nearest woollies.
• 19:05
  Speaker 4: And then if you're like I'm actually a Cole's girl,
• 19:09
  Speaker 4: that's like an eight hour drive.
• 19:10
  Speaker 2: Yeah.
• 19:11
  Speaker 5: But like, because that town that only has like a
• 19:14
  Speaker 5: worse might not have all the parts we need, so
• 19:17
  Speaker 5: we might go to the next town over. If you
• 19:18
  Speaker 5: have to pick up certain parts and stuff. So then
• 19:20
  Speaker 5: I'll be like, oh, look at the catalogs as old
• 19:23
  Speaker 5: as that sounds, and go to one shop for like
• 19:26
  Speaker 5: our personal stuff like deoda because that's so much money,
• 19:29
  Speaker 5: face wash, body wash. And then I might go to
• 19:31
  Speaker 5: the other one to get like toothpaste and stuff, just
• 19:33
  Speaker 5: to try and like, yeah, keep everything.
• 19:36
  Speaker 4: Cut down the costs. Yeah, especially if you're already heading there.
• 19:39
  Speaker 4: I feel like that's really smart. I have to know
• 19:42
  Speaker 4: you mentioned catalogs, and like I just remember when I
• 19:45
  Speaker 4: was little going through the catalogs, like I had no
• 19:48
  Speaker 4: idea what I was buying, but like Mum and Dad
• 19:50
  Speaker 4: did bring them in and just like put them on
• 19:51
  Speaker 4: the bench with their mail, and I'd be like, wow,
• 19:53
  Speaker 4: look at what's for sale at Woollies like when I
• 19:56
  Speaker 4: was ten. Right, but that has to come in the mail.
• 19:58
  Speaker 4: Are you telling me that out there the posty drops
• 20:01
  Speaker 4: off the Coles catalog but not your groceries? Like what
• 20:05
  Speaker 4: is going on?
• 20:07
  Speaker 2: No? I look on the online cattle.
• 20:09
  Speaker 4: Oh okay, all right, all right, all right, But.
• 20:10
  Speaker 5: We do get the male plane so that delivers our
• 20:13
  Speaker 5: mail every Friday.
• 20:14
  Speaker 4: It's a whole plane. Yeah, what Yeah, And it just
• 20:18
  Speaker 4: arrives on your cattle station.
• 20:20
  Speaker 5: Yeah, we have an airstrip, so it just lends on
• 20:22
  Speaker 5: the airstrip and drops our mail off and then goes
• 20:25
  Speaker 5: to the next place.
• 20:26
  Speaker 4: And do they stay for like a cup of tea
• 20:27
  Speaker 4: or something or are they just in out?
• 20:29
  Speaker 2: No, they just drop it off walk back to their plane.
• 20:32
  Speaker 4: Oh my gosh, the next place. That feels so novel
• 20:35
  Speaker 4: to me? Can you tell me? You probably don't think
• 20:38
  Speaker 4: these things are novels, so you might not have any
• 20:40
  Speaker 4: off the top of your head. But like, yeah, how
• 20:43
  Speaker 4: else does life work out there in a way that
• 20:45
  Speaker 4: I wouldn't have anticipated? So obviously, having the male delivered,
• 20:49
  Speaker 4: I would have just assumed that they didn't deliver it.
• 20:52
  Speaker 4: I would have assumed that you had a po box
• 20:54
  Speaker 4: in town and you had to go in and get
• 20:56
  Speaker 4: your own mail, because way back when I lived in Tasmania,
• 20:59
  Speaker 4: that's how my grandparents did it. Like mail didn't happen,
• 21:02
  Speaker 4: you had to go to the post office and that's fine,
• 21:06
  Speaker 4: But you have a plane that delivers it, and I
• 21:08
  Speaker 4: just didn't see that coming. So how else does life
• 21:12
  Speaker 4: work out there that might surprise us?
• 21:14
  Speaker 2: Yeah, well we have to get our own killers.
• 21:16
  Speaker 5: So I process all the meat like mince dice, stake
• 21:19
  Speaker 5: it that. So you normally just go to the shops
• 21:23
  Speaker 5: and get your beef like that, but we have to
• 21:26
  Speaker 5: do it all ourselves.
• 21:27
  Speaker 4: And is that a process that happens and then you
• 21:30
  Speaker 4: just get given the meat to process or are you
• 21:33
  Speaker 4: part of that whole process?
• 21:35
  Speaker 5: Yeah, so we'll go put a kr down and then
• 21:38
  Speaker 5: cut her up in the paddock and then hang her
• 21:40
  Speaker 5: for a week or two and then process it.
• 21:43
  Speaker 1: Wow.
• 21:43
  Speaker 4: I feel like it's so important to talk about this
• 21:45
  Speaker 4: stuff too, because that's literally your livelihood. But also I
• 21:49
  Speaker 4: feel like there's this massive disconnect between where our food
• 21:54
  Speaker 4: comes from and how we purchase it. Like I know
• 21:57
  Speaker 4: a lot of people that would say, well, if I
• 22:00
  Speaker 4: had to do that, I would just wouldn't eat meat.
• 22:02
  Speaker 4: And I feel like that's I don't know, it's not
• 22:05
  Speaker 4: a bad thing to say, because that disconnect is protecting
• 22:09
  Speaker 4: us in a way. But I also think it's just
• 22:11
  Speaker 4: really cool that there are people who are so connected
• 22:13
  Speaker 4: with the land and so connected with you know, the
• 22:17
  Speaker 4: life cycle of something that they can process the whole
• 22:21
  Speaker 4: thing and go all right, well, now that's in my
• 22:23
  Speaker 4: freezer as a food source in the future, you'd also
• 22:26
  Speaker 4: save so much money doing it that way.
• 22:28
  Speaker 2: Yeah, so when we do order from town, we don't.
• 22:31
  Speaker 5: We might get like a little bit of a chicken,
• 22:33
  Speaker 5: and that's really it for meat.
• 22:35
  Speaker 4: That's fair because you're like, we don't have chalks out here.
• 22:38
  Speaker 5: Yeah, we have some that lay eggs, but yet not
• 22:40
  Speaker 5: for eating.
• 22:41
  Speaker 4: Oh no no. And if you've grown up on a
• 22:43
  Speaker 4: farm or ever lived regionally and ever had to process
• 22:47
  Speaker 4: a chicken that is older, like, you don't want to
• 22:50
  Speaker 4: eat that one, Like, it's not good. It's not good.
• 22:53
  Speaker 4: They need a lot of slow cooking. It's not for me.
• 22:55
  Speaker 4: It's not for me. Tell me a bit more about
• 22:58
  Speaker 4: your worst money habit. So I know that you said
• 23:01
  Speaker 4: at the start that you're a C plus, and I'm
• 23:04
  Speaker 4: just thinking there must be some bombshell terrible money habits
• 23:08
  Speaker 4: that make you a C plus. That all we really
• 23:11
  Speaker 4: need to give your pep talk. So you need to
• 23:14
  Speaker 4: talk to me about what you think your worst money
• 23:16
  Speaker 4: habits are.
• 23:17
  Speaker 5: I don't budget, which is really bad. I think I
• 23:20
  Speaker 5: need to like, yeah.
• 23:22
  Speaker 2: Get onto that.
• 23:22
  Speaker 5: And then I also I find it hard to budget
• 23:25
  Speaker 5: because like I don't know when I'm going to town next,
• 23:28
  Speaker 5: so I'll get a paycheck every two weeks, and then
• 23:30
  Speaker 5: I'm like, oh do I how much should I put
• 23:32
  Speaker 5: into that account? And then I'll go to town and
• 23:34
  Speaker 5: I'll spend like because oh no, we need this and
• 23:37
  Speaker 5: this and this. So it's sort of like hard to
• 23:40
  Speaker 5: figure out what to budget. So I just don't And
• 23:43
  Speaker 5: I need to automate my accounts as well.
• 23:47
  Speaker 2: I don't do that either.
• 23:48
  Speaker 4: I feel like those aren't the worst money habits. I
• 23:51
  Speaker 4: feel like I could compare in contrast, but we should
• 23:54
  Speaker 4: never do that. But I feel like just not being
• 23:56
  Speaker 4: that good at budgeting when you don't have that many
• 23:58
  Speaker 4: overheads is not the worst. But I do want to
• 24:01
  Speaker 4: know about I guess your grocery budget. So if you're
• 24:03
  Speaker 4: going into town, you said maybe once a month or
• 24:06
  Speaker 4: just over once a month, how big is your spend
• 24:10
  Speaker 4: at the shops? Like what does that look like? And
• 24:13
  Speaker 4: what are we like are we purchasing all fresh stuff?
• 24:16
  Speaker 4: I feel like it would all go off within the
• 24:18
  Speaker 4: first week. Like, I've just got lots of questions about
• 24:20
  Speaker 4: this process. So first tell me about the budget and
• 24:22
  Speaker 4: then tell me about the strategy to keep fresh things fresh.
• 24:26
  Speaker 5: Yeah, so roughly would spend like maybe or like seven
• 24:32
  Speaker 5: hundred eight hundred a month, but like it also depends
• 24:35
  Speaker 5: on like the expensive stuff that we run out like
• 24:37
  Speaker 5: oil or coffee or stuff like that, and then the
• 24:40
  Speaker 5: fresh stuff. Yeah, we buy, but it does like go
• 24:44
  Speaker 5: off after around two weeks, but we try and like
• 24:47
  Speaker 5: wrap it in paper towel and like as soon as
• 24:50
  Speaker 5: we get the store it and head back home, I'll
• 24:52
  Speaker 5: like go through it all and try and make it
• 24:55
  Speaker 5: last even longer, like do things to make it last
• 24:57
  Speaker 5: even longer, wash it all and then wrap it and
• 24:59
  Speaker 5: baby how I put it in sealed containers and stuff
• 25:02
  Speaker 5: like that.
• 25:02
  Speaker 4: Yeah that's fair. I feel like you'd have to get
• 25:04
  Speaker 4: really crafty with that because I don't know, I'd feel
• 25:07
  Speaker 4: like by the end of that month, I'd be just
• 25:10
  Speaker 4: really craving fresh stuff. I'd be like, oh my gosh,
• 25:13
  Speaker 4: like just put some lettuce on my plate. Does it
• 25:15
  Speaker 4: get like that?
• 25:16
  Speaker 2: Yes, it does.
• 25:17
  Speaker 5: When you go to town and you're like, oh, I'll
• 25:19
  Speaker 5: get some raspberry, is like you just you do crave
• 25:23
  Speaker 5: fresh fruit and.
• 25:24
  Speaker 4: Veg Yeah that's so fair. So tell me about the
• 25:28
  Speaker 4: planning that goes into your grocery list, Like is it
• 25:31
  Speaker 4: very extensive or do you now have a down pat
• 25:34
  Speaker 4: or does it take a few hours, Like I know
• 25:36
  Speaker 4: you're going through catalogs to work out what you need
• 25:38
  Speaker 4: to purchase. I just feel like that would be a
• 25:41
  Speaker 4: lot of planning that I've never had to do that
• 25:43
  Speaker 4: far in advance.
• 25:45
  Speaker 2: Yeah, it is.
• 25:46
  Speaker 5: So I have like a list on the fridge or
• 25:48
  Speaker 5: whenever I run out of something like continents or whatever
• 25:51
  Speaker 5: that I might not buy, every time, I write it
• 25:53
  Speaker 5: down there.
• 25:54
  Speaker 2: And then I also have like a checklist that I
• 25:56
  Speaker 2: print out every.
• 25:57
  Speaker 5: Time when I'm doing my store, and I will to
• 25:59
  Speaker 5: have like the basic necessities that I make sure I
• 26:02
  Speaker 5: add every single time, and then go through the catalogs
• 26:06
  Speaker 5: while I'm on the computer, and I'll like look at
• 26:08
  Speaker 5: what's on seal and I might get this this time
• 26:10
  Speaker 5: and not the next time, depending what's on sell and.
• 26:13
  Speaker 4: Stuff that's fair. I feel like that would just be
• 26:16
  Speaker 4: a lot of work in addition to all the work
• 26:18
  Speaker 4: you're already doing. Yeah, so I need to go back.
• 26:22
  Speaker 4: You said at the very start, like obviously part of
• 26:25
  Speaker 4: your role is mustering and you know, basically doing everything
• 26:28
  Speaker 4: around the farm. But then you said, I also do
• 26:30
  Speaker 4: all the cooking, So tell me when you're doing all
• 26:33
  Speaker 4: the cooking is that your job to plan? Or is
• 26:36
  Speaker 4: that your cattle station plans all the meals and you
• 26:40
  Speaker 4: just cook it? Like, how does that work if you've
• 26:42
  Speaker 4: got ten people to cater for, Like, is that then
• 26:44
  Speaker 4: your job as well?
• 26:46
  Speaker 2: Yeah?
• 26:46
  Speaker 5: Yeah, I've got a plan breakfast, lunch, smokeo, dinner.
• 26:49
  Speaker 4: Oh my gosh. And you're basically the chef around here
• 26:52
  Speaker 4: as well. That's crazy. Yeah, I can't even think of
• 26:56
  Speaker 4: what I'm having for dinner when I don't have my
• 26:58
  Speaker 4: Maley spoon in the fridge and you're here being like, well,
• 27:00
  Speaker 4: I've planned every single meal for ten people. Victoria's sit
• 27:04
  Speaker 4: down to me, that's terrifying. I love it, though, but
• 27:08
  Speaker 4: we need to talk about this C plus. So tell
• 27:10
  Speaker 4: me a bit more about why beyond you know, not
• 27:14
  Speaker 4: budgeting and maybe needing to automate your accounts, Like what
• 27:18
  Speaker 4: else do you need to improve? Because I feel like
• 27:21
  Speaker 4: C plus that feels hush, my friend.
• 27:23
  Speaker 5: Maybe like with my invest in, like ets, I need
• 27:26
  Speaker 5: to be consistent with them and do it every week
• 27:29
  Speaker 5: or every month.
• 27:30
  Speaker 4: Probably I feel like you're maybe being a bit hush
• 27:33
  Speaker 4: on yourself. You're still twenty, which you know, to me
• 27:37
  Speaker 4: is a baby, and I don't mean that in an
• 27:39
  Speaker 4: offensive term. I mean, You've got so much life to
• 27:42
  Speaker 4: still live and so much opportunity ahead of you. I'm like, oh,
• 27:46
  Speaker 4: my gosh, she's only at the start of this journey,
• 27:49
  Speaker 4: because I know we've obviously lived eighteen years, but you
• 27:52
  Speaker 4: don't have a full time job. You're not contributing to
• 27:54
  Speaker 4: your super properly before then, you're not like, you know,
• 27:57
  Speaker 4: thinking about investments and what our life will actually look clack.
• 28:00
  Speaker 4: I just feel like you're at the very start of
• 28:02
  Speaker 4: this journey and you've just got such a bright future
• 28:05
  Speaker 4: ahead of you. C Plus, I feel like is really
• 28:08
  Speaker 4: I don't know, I feel like you need to be
• 28:10
  Speaker 4: kinder to yourself. I'm going to make it a bit
• 28:11
  Speaker 4: easier though, because I am going to gift you our
• 28:13
  Speaker 4: budget and Cashflow master Class so that you can budget
• 28:16
  Speaker 4: and you can plan, and it will tell you how
• 28:18
  Speaker 4: to automate and it will let you budget literally everything
• 28:22
  Speaker 4: into it. And I feel like because it's flexible and
• 28:24
  Speaker 4: I'm not trying to sell you on it, because I'm
• 28:26
  Speaker 4: literally giving it to you for free, but it like
• 28:29
  Speaker 4: allows you to budget on a fortnightly, weekly or monthly basis,
• 28:33
  Speaker 4: so you can kind of like plan around, like, all right, well,
• 28:35
  Speaker 4: groceries a monthly, so pick that from the drop down
• 28:38
  Speaker 4: lease st door. You know that's actually a weekly cost
• 28:40
  Speaker 4: for my phone that goes out, Like you can like
• 28:43
  Speaker 4: be a little bit flexy and hopefully that makes you
• 28:45
  Speaker 4: feel like you're a bit more in control. But I
• 28:47
  Speaker 4: just feel like C plus. I'm not gonna argue with
• 28:49
  Speaker 4: you and say you need to grade yourself higher, but
• 28:51
  Speaker 4: I feel like C plus, my friend, you're not in
• 28:54
  Speaker 4: any debt. You are saving for your first home already.
• 28:57
  Speaker 4: You've already got like twenty thousand dollars in a savings
• 29:00
  Speaker 4: account for a first car or a new car sorry,
• 29:04
  Speaker 4: because it's obviously going to be a bigger one. You're
• 29:06
  Speaker 4: putting extra into Super because we're already thinking about these
• 29:09
  Speaker 4: four kids that you want to have in the future.
• 29:11
  Speaker 4: And you're like, oh, I don't really want to get
• 29:12
  Speaker 4: behind on my Super, like that's important. I just think
• 29:15
  Speaker 4: you're so far ahead, and I think you're really harsh
• 29:18
  Speaker 4: on yourself, and I don't love that. But again, I
• 29:22
  Speaker 4: don't like arguing with our diarists. I just want them
• 29:25
  Speaker 4: to see their value and I want them to see
• 29:26
  Speaker 4: their worth.
• 29:27
  Speaker 2: Thank you. Maybe a bee but yeah, maybe a bee. Yes, yeah,
• 29:31
  Speaker 2: I've got a bit to do.
• 29:33
  Speaker 4: All right, Well I'm gonna let you do that, because
• 29:35
  Speaker 4: unfortunately that's all we have time for. I've adored having
• 29:39
  Speaker 4: this chat. I'm just so interested in learning about the
• 29:42
  Speaker 4: way people live differently to me. I feel like it
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  Speaker 4: adds so much value to our community. I feel like
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  Speaker 4: we've just had like a chat with a friend who's
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  Speaker 4: just out on a remote cattle station, and that's really cool,
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  Speaker 4: Like you don't get to do that every day. So
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  Speaker 4: thank you for sharing that with us. But also thank
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  Speaker 4: you for sharing you with our community, because I know
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  Speaker 4: that they're going to have loved hanging out with you
• 30:02
  Speaker 4: for the past half hour as much as I did
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  Speaker 4: with you. So thank you, Money Diarist.
• 30:06
  Speaker 2: Thank you so much for this. Thank you.
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