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MONEY DIARIES: Finally On the Right Meds & the Right Track · She's On The Money

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Speaker 1: Hello.
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Speaker 2: My name's Santasha Nabananga Bamblet. I'm a proud yr the
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Speaker 2: Order Kerney Whoalbury and a waddery woman. And before we
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Speaker 2: get started on She's on the Money podcast, I would
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Speaker 2: like to acknowledge the traditional custodians of the land of
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Speaker 2: which this podcast is recorded on a wondery country, acknowledging
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Speaker 2: the elders, the ancestors and the next generation coming through
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Speaker 2: as this podcast is about connecting, empowering, knowledge sharing and
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Speaker 2: the storytelling of you to make a difference for today
0:31
Speaker 2: and lasting impact for tomorrow.
0:33
Speaker 1: Let's get into it. She's on the Money. She's on
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Speaker 1: the Money.
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Speaker 3: Hello, and welcome to She's on the Money, the podcast
1:00
Speaker 3: for millennials who want financial freedom. Welcome back to another
1:04
Speaker 3: one of our money diaries where we get to talk
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Speaker 3: to one of our incredible She's on the Money community
1:09
Speaker 3: members all about their journey. Let's jump straight into it,
1:12
Speaker 3: but before we do a little content warning, this episode
1:16
Speaker 3: is going to discuss suicide, abuse and mental health. The
1:19
Speaker 3: message that we got this week went a little bit
1:22
Speaker 3: like this, Hi, She's on the Money. I'm thirty one
1:25
Speaker 3: with two kids and I have just started my career
1:28
Speaker 3: while studying. I lost my partner in late twenty twenty
1:31
Speaker 3: one to depression and almost lost my life too. My
1:35
Speaker 3: relationship with money has been all over the place due
1:38
Speaker 3: to my bipolar but I'm finally on the right medication
1:41
Speaker 3: and can now work and study. I have savings and
1:45
Speaker 3: a pre approval to buy a house, and I'd love
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Speaker 3: to share my story with the community. Money Diarist, I
1:51
Speaker 3: would love you to share the story with the community.
1:54
Speaker 1: Thank you.
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Speaker 4: Yeah, that's okay. I don't know where to begin.
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Speaker 3: No, you, you don't even have to know where to begin.
2:01
Speaker 3: I'm just grateful that you're here. I have the questions,
2:05
Speaker 3: you just need to have throwing the answers. So let's
2:09
Speaker 3: start where I always start in twenty twenty three, and
2:13
Speaker 3: that's money Diarist. From the get go, I want to
2:16
Speaker 3: know what grade would you give your money habits if
2:18
Speaker 3: I asked you to give yourself a grade from A
2:20
Speaker 3: through to F.
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Speaker 4: Yeah, at this point I would say C. Just a
2:25
Speaker 4: flat seat.
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Speaker 3: A flat seat, all right, all right, we'll come back
2:28
Speaker 3: to that. But before we come back to that, I
2:31
Speaker 3: want to know a little bit about your money story.
2:33
Speaker 1: Are you happy to share?
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Speaker 5: Yeah?
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Speaker 4: Definitely? Well, I mean, growing up, I had a probably
2:39
Speaker 4: anxiety driven relationship to money. My mum was ultra frugal,
2:44
Speaker 4: and you know, it was op shops and food banks
2:48
Speaker 4: when we needed it, and my dad was very frivolous.
2:53
Speaker 4: He would be in and out of work all the time,
2:56
Speaker 4: so we would sometimes be eating like kings and then
2:58
Speaker 4: other times we would be going school with stale bread sandwiches.
3:02
Speaker 4: It was all over the place. And so when I
3:05
Speaker 4: got money, I just clung to it. And Mum would
3:08
Speaker 4: say that she'd take us to the shops and she'd
3:11
Speaker 4: ask us if we wanted anything, and I'd say no,
3:14
Speaker 4: just want to hold onto my money. And then as
3:17
Speaker 4: I got older, I moved out of home at sixteen,
3:21
Speaker 4: and I was on medication. At the time. I'd been
3:24
Speaker 4: diagnosed with bipolar of fifteen, so I was on medication
3:28
Speaker 4: and I was able to move into state work and
3:33
Speaker 4: study at the same time and just be financially independent,
3:37
Speaker 4: which was really nice. I still kind of really held
3:40
Speaker 4: on to my money, and I didn't really I couldn't
3:43
Speaker 4: make savings because I wasn't earning much. Yeah, I just
3:48
Speaker 4: held on to it. And then I moved back to
3:51
Speaker 4: my hometown and met my partner who I would end
3:57
Speaker 4: up having two kids with for we could off straightaway,
4:01
Speaker 4: but he had some problematic behaviors, and part of it
4:05
Speaker 4: was telling me I didn't have bipolar so I went
4:09
Speaker 4: off my medication and that's when everything went crazy. So
4:16
Speaker 4: we were together for nine years, and through that nine years,
4:21
Speaker 4: I was up and down all the time. I would
4:24
Speaker 4: save money, hold onto a job, and then I'd spend
4:27
Speaker 4: it all, quit the job. It was just a mess,
4:30
Speaker 4: and we were breaking up and getting back together all
4:33
Speaker 4: the time. Because of my money history, I didn't like
4:37
Speaker 4: to take money from him. I always wanted to be
4:39
Speaker 4: independent because the way he gave money, it was always
4:43
Speaker 4: with strings attached, and I couldn't handle that because it
4:47
Speaker 4: was pretty much the financial abuse. No it was.
4:52
Speaker 1: It wasn't pretty much.
4:53
Speaker 3: It was from my understanding of the way you just
4:56
Speaker 3: explained that it's hard to hear sometimes, but straight down
5:00
Speaker 3: the line that when money is given with some kind
5:03
Speaker 3: of strings attached to it and you don't feel comfortable
5:07
Speaker 3: in that situation, regardless of whether that's five dollars or
5:11
Speaker 3: five hundred dollars, that is a level of financial abuse,
5:14
Speaker 3: and it's it's heartbreaking because it's still that's the person
5:18
Speaker 3: you loved, right, Like, there's two sides to that coin.
5:21
Speaker 3: It's not oh, they're the worst person ever. It's oh,
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Speaker 3: I love that person, but I'm going through this. It
5:27
Speaker 3: can't be that bad, right, Yeah, exactly. So I justified
5:31
Speaker 3: it all the time, and as a result, I stayed
5:34
Speaker 3: on centilink and didn't take a dime from him, and
5:38
Speaker 3: so I couldn't get ahead. I was on centilink. And
5:42
Speaker 3: with bipolar you go up and down obviously, and eventually
5:47
Speaker 3: he had depression as well, which he didn't do anything about,
5:53
Speaker 3: and after some situations we got into, he ended up
5:58
Speaker 3: going to the mental for a bit and coming back out.
6:02
Speaker 3: But he was earning really good money. He was a
6:05
Speaker 3: rope access technician, so he was on high rise buildings
6:09
Speaker 3: and dealing like super high rise buildings all the time.
6:13
Speaker 1: Oh.
6:13
Speaker 3: I could never that is literally I could never. The
6:16
Speaker 3: most scary job you could think of. To think that
6:19
Speaker 3: you're doing that job and also have your brain about you,
6:23
Speaker 3: I couldn't do it. What do you mean I have
6:24
Speaker 3: to do that and work at the same time. Wow, No,
6:28
Speaker 3: wonder he was on good bank because he deserved.
6:30
Speaker 4: It, Yeah, one hundred percent. So yeah, he was battling depression,
6:37
Speaker 4: and even though he was earning good money, I don't
6:40
Speaker 4: know where it went. It never really came towards me
6:44
Speaker 4: and the kids. Toward the end, I did get him
6:48
Speaker 4: to start paying child support. Like we were together, but
6:51
Speaker 4: not together all the time. It's really complicated relationship, and
6:55
Speaker 4: I think that's what comes with an abusive relationship. It's
6:59
Speaker 4: not look through it. It's kind of like all over
7:02
Speaker 4: the place. And so I ended up cracking in twenty
7:09
Speaker 4: twenty one, all the pressure got too much for me.
7:12
Speaker 4: I had a really bad episode and I ended up
7:16
Speaker 4: in the mental ward in the public system, and I
7:21
Speaker 4: had no money. I had spent it all on god
7:25
Speaker 4: knows what, and I was at a really, really, really
7:29
Speaker 4: low point, and I was told if I don't go
7:33
Speaker 4: to the mental ward that they'll put me in. So
7:36
Speaker 4: I chose to go by myself, and I stayed there
7:40
Speaker 4: for a month. And I have two little girls there,
7:45
Speaker 4: seven and four. They stayed with my mom, so my
7:48
Speaker 4: mom was very supportive during that time, and their dad
7:51
Speaker 4: looked after him as well, quite intensely. And that was
7:55
Speaker 4: probably the longest he'd spent with them consistently in quite
7:58
Speaker 4: a while. Because we lived a part and then when
8:01
Speaker 4: I got out, that's when we had an argument and
8:06
Speaker 4: he decided to take his life, and that was really hard.
8:12
Speaker 3: Lotry, you know that has nothing to do with you.
8:14
Speaker 3: That's not your fault, right you know that.
8:17
Speaker 4: Yeah, definitely, Yeah, definitely.
8:19
Speaker 1: Yeah, that is not your decision.
8:21
Speaker 4: Yeah. No, It's been definitely a rollercoaster, and I think
8:24
Speaker 4: I ended up going back into the mental ward because
8:26
Speaker 4: that was quite horrific and I wasn't set up for success. No,
8:32
Speaker 4: So that was again really hard on both me and
8:37
Speaker 4: the girls and our relationship. And at this point, I
8:42
Speaker 4: think I couldn't go back to my rental that I
8:45
Speaker 4: was renting out, that I was in a rental and
8:50
Speaker 4: I couldn't go back, So my dad emptied out the
8:52
Speaker 4: rental and I moved back in with my parents.
8:55
Speaker 2: Yeah.
8:55
Speaker 3: I'm so glad to hear you had your parents during
8:58
Speaker 3: this process.
8:59
Speaker 4: Yeah. Been amazing.
9:01
Speaker 1: Oh what wholesome human beings.
9:03
Speaker 4: Yeah, No, definitely. I don't know what I'd do without them.
9:06
Speaker 4: They've been a huge cushion to my success in the
9:10
Speaker 4: past year and a half. But after I got out,
9:14
Speaker 4: I moved back in with my parents and in the
9:16
Speaker 4: mental ward it was really good because I finally got
9:19
Speaker 4: on medication that was suitable, Yeah, Gorge, And it was
9:23
Speaker 4: the first time I'd been stable in quite a while,
9:26
Speaker 4: and I didn't know what stability felt like. So two
9:31
Speaker 4: months on, after everything had happened, I decided I wanted
9:34
Speaker 4: to get a job because my anxiety about money just skyrocketed.
9:40
Speaker 4: Freaking out that the girls would have nothing in their
9:42
Speaker 4: future and it was all on me, you know, and
9:46
Speaker 4: that freaked me out massively. So I decided to go
9:52
Speaker 4: back or go to work full time. I hadn't worked.
9:54
Speaker 4: I think I had like three thousand dollars in my
9:57
Speaker 4: super at the time, and I was like, you know,
10:00
Speaker 4: you've got to stuff somewhere. I didn't have a degree,
10:04
Speaker 4: I didn't have experience, but I just picked up a
10:10
Speaker 4: I think it was a contract position paying like forty
10:15
Speaker 4: five or fifty thousand a year, and then worked in
10:20
Speaker 4: that for a while, then got offered a permanent position,
10:23
Speaker 4: and then moved from that position to another position. And
10:29
Speaker 4: now I've just taken up a new job and it's
10:32
Speaker 4: paying much better and my soup is growing and everything's
10:37
Speaker 4: going well. So that's kind of where I am today.
10:40
Speaker 3: I'm so proud of you to go through that situation,
10:43
Speaker 3: and then you got back on the horse, you got
10:47
Speaker 3: a job. You have stood up in a way that
10:49
Speaker 3: your kids needed you to. I cannot begin to think
10:52
Speaker 3: about how proud your girls are going to be when
10:55
Speaker 3: they're at an age that they can comprehend what you
10:58
Speaker 3: went through, Like, Oh, my gosh, they're going to be like,
11:00
Speaker 3: our mum is a bloody legend.
11:03
Speaker 4: I really hope.
11:04
Speaker 1: So, oh no, no, no, they will, They absolutely will.
11:07
Speaker 3: So I want to know. So you said before you've
11:10
Speaker 3: got a better position. What does that mean? What do
11:12
Speaker 3: you do for work?
11:13
Speaker 4: Now?
11:13
Speaker 1: How much money are you earning?
11:15
Speaker 4: Yeah? So I work in HR and I am earning well.
11:21
Speaker 4: I think my total enumeration is ninety eight thousand.
11:23
Speaker 1: Oh my gosh.
11:25
Speaker 3: And you went through this circumstance at the end of
11:28
Speaker 3: twenty twenty one, which from my very basic maths means
11:32
Speaker 3: it's been just over a year. Is that about right?
11:35
Speaker 3: And you've turned your life around completely. You're on the
11:38
Speaker 3: right medication. You look, from my perspective, like a glowy,
11:42
Speaker 3: happy human. And I mean there's probably a lot going
11:45
Speaker 3: on there, but you just look like that is not
11:48
Speaker 3: a circumstance that you had to experience.
11:51
Speaker 4: Yeah, I mean, it's not a circumstance. I still kind
11:55
Speaker 4: of fathom that I experienced.
11:57
Speaker 1: No, of course not.
11:59
Speaker 3: You said in your letter into us that you know
12:02
Speaker 3: you're in this circumstance where you've got pre approval to
12:05
Speaker 3: buy a house, Like what you have savings, I wouldn't
12:09
Speaker 3: know what are your big money goals, what are you
12:11
Speaker 3: working towards.
12:12
Speaker 4: Yeah, so I did get a preapproval. I got it
12:15
Speaker 4: on the two percent home loan scheme for single parents. Yeah,
12:19
Speaker 4: And I kind of got it because I got kicked
12:22
Speaker 4: out of my rental and I was like, that's it.
12:25
Speaker 4: I've had enough renting. So I decided I just throw
12:29
Speaker 4: my hat and see what happens if I tried to
12:31
Speaker 4: go for a pre approval. So I talked to a
12:33
Speaker 4: mortgage broker and I got approved, and I was really shocked.
12:37
Speaker 4: And then I was like, wait, hold on, I don't
12:39
Speaker 4: think I can actually service alone yet.
12:43
Speaker 1: But you'll get there. And I think that's so exciting.
12:46
Speaker 4: Yeah, I want to buy a house, but I want
12:48
Speaker 4: to be able to actually afford it in the long term.
12:51
Speaker 4: Even though I got my pre approval, I, like I said,
12:54
Speaker 4: I want to be able to afford an actual like
12:57
Speaker 4: mortgage plus all the extras and like crunching the numbers.
13:02
Speaker 4: I don't know if that's doable and still having a
13:06
Speaker 4: life outside of that.
13:07
Speaker 3: Yeah, And you know, that's one of the most intelligent
13:10
Speaker 3: things you can do in the home buying process, because
13:12
Speaker 3: I think people get so caught up in saving their
13:15
Speaker 3: deposit or like really you know, being frugal to the
13:18
Speaker 3: point of missing out on everything just to get to
13:21
Speaker 3: that point where they buy the home, and they really
13:24
Speaker 3: don't conceptualize what life is going to look like when
13:27
Speaker 3: you have a mortgage, when it's your responsibility that the
13:31
Speaker 3: hot water system breaks, you have to pay for it,
13:33
Speaker 3: and when it's your responsibility to pay all of the
13:35
Speaker 3: rates and all the bills and everything that comes with that,
13:38
Speaker 3: and you just think that where you're coming from and
13:40
Speaker 3: that mindset of like, oh, I just want to you know,
13:42
Speaker 3: I've got this pre approval which a lot of people
13:45
Speaker 3: would just run straight into and be like, all right, well,
13:47
Speaker 3: give me the loan, give me the house, like pre
13:49
Speaker 3: approved ten out of ten, tick, let's go. I think
13:52
Speaker 3: that you've got this really great mindset of like, oh, actually,
13:55
Speaker 3: can we get to a point of you know a
13:57
Speaker 3: little bit more financial stability that is going to serve
14:00
Speaker 3: you so well long term, and it makes me so
14:03
Speaker 3: happy to hear that money diarist. The next question I
14:07
Speaker 3: have for you you mentioned before I only had three
14:10
Speaker 3: thousand dollars in super. That's still three grand in super
14:13
Speaker 3: and that is still better than nothing, my friend. But
14:16
Speaker 3: I want to know do you have any investments.
14:19
Speaker 4: I've got one thousand, seven hundred on chezeas and my
14:23
Speaker 4: suffers come up to seven six hundred.
14:26
Speaker 1: Oh that's growing quickly.
14:28
Speaker 4: Yeah, it's getting there.
14:30
Speaker 3: That's really exciting. So tell me a little bit more
14:33
Speaker 3: about your investing journey. You said I have seventeen hundred
14:36
Speaker 3: dollars on Charesis, which that's a big deal. A lot
14:39
Speaker 3: of people don't even take that step. How did you
14:42
Speaker 3: take that step?
14:43
Speaker 2: Like?
14:43
Speaker 1: Why are you investing? What are you investing for?
14:46
Speaker 4: I mean, I've been listening to Cheese on the Money
14:48
Speaker 4: for quite a while, and so when you guys were
14:50
Speaker 4: promoting Scharzease, I was like, I'm going to check that out.
14:53
Speaker 4: And I looked at it. It was really easy to understand.
14:57
Speaker 4: So I kind of just took the leap and I
14:59
Speaker 4: was like, oh, chuck, you know a little bit of
15:01
Speaker 4: money here and there and see it grow. It's dropped
15:04
Speaker 4: down a bit, but I plan on keeping it like
15:08
Speaker 4: long term. I don't really check it much, but I
15:12
Speaker 4: want to be like a really long term investor. I'm
15:14
Speaker 4: not too worried about risk because I believe it always will.
15:18
Speaker 3: End up going up eventually over the long term, I
15:21
Speaker 3: think is the best way to be investing. To flip that,
15:24
Speaker 3: Do you have any debts?
15:26
Speaker 4: Yes, I do. I have my hex debt which is
15:29
Speaker 4: sitting at twenty six thousand, and that's because I'm currently
15:33
Speaker 4: studying and I've also did a beauty therapy diploma which
15:38
Speaker 4: didn't work out.
15:40
Speaker 3: Well, that's okay. We live and we learn. We live
15:42
Speaker 3: and we learn. What are you currently studying? Like, what's
15:44
Speaker 3: the big career goal? Because from my perspective, you're on
15:48
Speaker 3: a pretty good innings right now.
15:49
Speaker 4: Yeah, so I'm adding to that. I'm studying HR, a
15:52
Speaker 4: degree in HR. Now. I want to improve in my
15:56
Speaker 4: career and I really want to grow. And it took
15:59
Speaker 4: me like thirty years to figure out I actually like HR.
16:03
Speaker 3: So how good? No, I love that. I feel like
16:06
Speaker 3: KHR is an underrated career. Honestly, you get to work
16:10
Speaker 3: with people, you get to have an impact like it
16:13
Speaker 3: is something that I probably could see myself in one
16:15
Speaker 3: thousand percent.
16:17
Speaker 4: Yeah, No, it's.
16:17
Speaker 3: Awesome, Money Diarists, Let's go to a really quick break.
16:21
Speaker 3: After the break, though, I want to talk to you
16:22
Speaker 3: about your best and your worst money habits, but I
16:24
Speaker 3: also want to delve a little bit deeper into finding
16:27
Speaker 3: the right medication and how that works and the impact
16:30
Speaker 3: of that on your quality of life.
16:32
Speaker 1: So guys, don't go anywhere, money diarist.
16:39
Speaker 3: I'm meant to go back to the questions, but I
16:41
Speaker 3: don't want to go back to the questions just yet
16:42
Speaker 3: because I really want to talk about the right medication.
16:45
Speaker 3: And I have spoken before on this podcast about how
16:48
Speaker 3: I am medicated for anxiety and depression and that it's
16:51
Speaker 3: something that I know I will always be medicated for.
16:55
Speaker 3: It's not something where the second I know I'm better,
16:58
Speaker 3: I'm going to go off it. Money Dirist, you've experienced.
17:01
Speaker 3: I guess both sides of that coin. You said you
17:04
Speaker 3: had been diagnosed with bipolar in your teenage years, you
17:07
Speaker 3: were medicated, maybe not the right medication. You then went
17:10
Speaker 3: off medication, and now you're on the right one. Can
17:12
Speaker 3: you talk us through I guess that journey and how
17:16
Speaker 3: it impacts your quality of life, because I feel like
17:19
Speaker 3: you're a different person if I had met you two
17:21
Speaker 3: years ago.
17:22
Speaker 2: Yeah.
17:22
Speaker 4: No, definitely. When I was young, they tried me on
17:26
Speaker 4: a medication that wasn't antidepressant because they thought I just
17:29
Speaker 4: had depression, and that sent me into a manic episode,
17:33
Speaker 4: which is what it does if you have bipolar and
17:38
Speaker 4: so they quickly took me off that and put me
17:41
Speaker 4: on a different medication, and that one made me feel numb,
17:47
Speaker 4: but it was better than feeling too much, so I
17:51
Speaker 4: don't think it was quite the right medication. It was lithium,
17:55
Speaker 4: which has a lot of side effects, and it's something
18:00
Speaker 4: I have to be on lifelong. I didn't really want
18:02
Speaker 4: to stay on it forever, but it was my best
18:05
Speaker 4: option at the time, and I was quite young. Yeah,
18:07
Speaker 4: so I stayed on that. You have to get lots
18:11
Speaker 4: of tests when you have it as well when you're
18:14
Speaker 4: on lithium, so it wasn't ideal, but I stayed on
18:18
Speaker 4: it for a couple of years, and then I came
18:22
Speaker 4: off it. That was obviously a disaster. I think I
18:27
Speaker 4: vaguely remember trying another medication. I'd been seeing psychologists and
18:32
Speaker 4: psychiatrists throughout the years. But part of bipolo is, you know,
18:37
Speaker 4: being inconsistent and erratic, and so I never really stuck
18:42
Speaker 4: with a therapist long enough to make a difference. And then, yeah,
18:48
Speaker 4: finding the right medication was life changing, but it was
18:52
Speaker 4: trial and error. I went on the medication and I
18:56
Speaker 4: got a body rash, like I got full head to
19:00
Speaker 4: toe rash, and so they had to quickly take me
19:03
Speaker 4: off that. But it was this medication I really wanted.
19:06
Speaker 4: So we tried the non generic brand of it and
19:10
Speaker 4: it turned out that was fine, So even though I
19:13
Speaker 4: have to pay extra, it's worth it. And then they
19:15
Speaker 4: added an antipsychotic, which is probably the most life changing
19:20
Speaker 4: one because it just alongside a mood stabilizer. It just
19:24
Speaker 4: took away all the anger and the edge of like
19:28
Speaker 4: irritability and things that make parenting really difficult.
19:32
Speaker 3: I can imagine, Oh my gosh, So talk to me
19:35
Speaker 3: about the financial impact of that, because this sounds like
19:40
Speaker 3: an expensive process with lots of different therapists and different
19:44
Speaker 3: medication changes and now not being able to be on
19:46
Speaker 3: the generic brand.
19:48
Speaker 1: What is this costing you?
19:50
Speaker 4: Thankfully, it doesn't cost me too much. I spend about
19:52
Speaker 4: forty dollars of medication a month. I think that's not
19:57
Speaker 4: too bad. I haven't actually calculated it. No, it's not
20:00
Speaker 4: too bad. And I have at this new job, they
20:02
Speaker 4: pay for private health insurance.
20:04
Speaker 1: Oh my gosh money ween.
20:06
Speaker 4: Yeah, massive money.
20:07
Speaker 1: When massive money, ween, that is so good.
20:12
Speaker 4: Yeah. So I can get that covered, so I'm not
20:14
Speaker 4: really out of pocket for it anymore. But therapists are
20:18
Speaker 4: really expensive. Yes, I always had a mental health care plan,
20:22
Speaker 4: so that covers a big portion of the cost, but
20:24
Speaker 4: you're always left with a gap fee depending on the
20:27
Speaker 4: therapist you see, and then there's long wait times, and
20:30
Speaker 4: when you're having an episode, you already can't organize yourself
20:36
Speaker 4: to even like see a therapists, let alone sit through
20:39
Speaker 4: the waiting time and think, oh, you know, I actually
20:42
Speaker 4: need this so and then by the time it comes around,
20:44
Speaker 4: you don't have the money. So yeah, I don't know.
20:49
Speaker 4: I somehow scraped by and managed to afford therapists, but
20:55
Speaker 4: with the mental health care plan, I couldn't afford it
20:57
Speaker 4: after the plan run out, which is yeah, when you
21:01
Speaker 4: have an ongoing mental health issue, it runs out, and
21:05
Speaker 4: then you just on your own again if you can't
21:08
Speaker 4: afford it.
21:08
Speaker 3: Yeah. Wow, Oh my gosh, I feel like you're a
21:11
Speaker 3: really different person to the person you probably were two
21:14
Speaker 3: years ago. I want to know, what does the future
21:17
Speaker 3: look like. You've gone through an insanely traumatic event and
21:21
Speaker 3: you have two kids, You've got a four and a
21:22
Speaker 3: seven year old.
21:23
Speaker 1: What does the future look like? Where are we going?
21:26
Speaker 1: How does that work?
21:27
Speaker 4: Yeah? I want to be able to keep affording my lifestyle.
21:31
Speaker 4: So I've got the girls in gymnastics and swimming, and
21:35
Speaker 4: I don't want to give those things up because I
21:37
Speaker 4: want them to have everything they need and more so,
21:41
Speaker 4: I've got to figure out how to balance you know,
21:45
Speaker 4: long term goals like buying a house with short term girls,
21:48
Speaker 4: like making you know, the kids' lifestyles as good as
21:53
Speaker 4: I can. So I'm hoping to keep increasing my income,
21:57
Speaker 4: finishing my degree, and just keep pushing.
22:01
Speaker 3: I love this. I love it so much. I want
22:04
Speaker 3: to know, what do you think is your best money habit.
22:06
Speaker 4: My best money habit, thanks to the beauty diploma, is
22:10
Speaker 4: doing all my own beauty stuff at home, so that
22:12
Speaker 4: saves me a lot.
22:14
Speaker 1: Ten out of ten.
22:15
Speaker 3: I mean, you can probably drop some tips for us
22:17
Speaker 3: in the She's on the Money Facebook group because I
22:19
Speaker 3: need to do more stuff at home, but we can
22:22
Speaker 3: talk about that later. What do you think is your
22:24
Speaker 3: biggest money win when it comes to doing stuff at home.
22:27
Speaker 4: Probably nails and lash lifts.
22:29
Speaker 1: Lash lifts at home.
22:31
Speaker 4: My sister's also a beauty therapist, so we kind of
22:34
Speaker 4: do treatments on each other.
22:35
Speaker 3: Oh, absolute money win. I'm actually quite envious. Let me
22:39
Speaker 3: know when that's happening. I will pop over. On the
22:42
Speaker 3: flip side of that, I want to know, what do
22:44
Speaker 3: you think is your worst money habit?
22:46
Speaker 4: It's grocery shopping without looking at the prices because as
22:50
Speaker 4: a kid, my mom used to look at every single
22:53
Speaker 4: price and have to calculate the total, and so now
22:57
Speaker 4: I'm pretty frivolous with my grocery shopping and spend way
23:01
Speaker 4: too much on groceries.
23:03
Speaker 1: I feel like that's a luxury you deserve to.
23:05
Speaker 3: Have, though, my friend, Yeah, I hope. So that's not
23:11
Speaker 3: the worst money habit I've ever heard of. Most definitely
23:14
Speaker 3: like I feel like they're there are definitely worse, and
23:16
Speaker 3: it sounds like you are absolutely killing it. We don't
23:19
Speaker 3: have a lot of time left together, but at the
23:22
Speaker 3: start of this episode, I asked you to give yourself
23:24
Speaker 3: a money greade, and you said, look, I think I'm
23:26
Speaker 3: a flat sea. And then you've gone on to tell
23:28
Speaker 3: me I'm earning a really good income. I've increased my
23:31
Speaker 3: income a whole heap of time since getting my job.
23:34
Speaker 1: I'm investing.
23:35
Speaker 3: I've got this big money goal of buying a house,
23:37
Speaker 3: and you know what I actually am thinking about this.
23:39
Speaker 3: I want to make sure that I'm not just buying
23:41
Speaker 3: a house. I can actually service the loan and still
23:44
Speaker 3: have my lifestyle. You don't have any personal date, you
23:47
Speaker 3: have really good money habits, Like, do you still think
23:50
Speaker 3: you're a se my friend?
23:52
Speaker 4: I mean, I have really high expectations.
23:55
Speaker 1: That's fair.
23:56
Speaker 4: Yeah, Comparison is also the devil, and I think without
24:00
Speaker 4: comparing myself objectively, I think I'm doing really well considering everything.
24:05
Speaker 4: I think i'd like to give myself a B plus
24:08
Speaker 4: if I was being less judgmental on myself.
24:11
Speaker 3: I think that's a good place to be. And I
24:12
Speaker 3: think it's a good thing to recognize as well, because
24:15
Speaker 3: I'm going to guarantee you money direst There are a
24:17
Speaker 3: whole heap of people listening to this going absolutely not
24:21
Speaker 3: she's an a, she's killing it. She's a queen. But
24:24
Speaker 3: if you need to lift a little bit more of
24:26
Speaker 3: that judgment from yourself, I think that's a really good
24:29
Speaker 3: thing to work on as well. But oh my gosh,
24:31
Speaker 3: what a story. I feel like you have been through
24:34
Speaker 3: the absolute wars and I'm just so proud of where
24:37
Speaker 3: you're at now, Like your girls are going to be
24:39
Speaker 3: so proud of you and everything that you've achieved. And
24:42
Speaker 3: I mean they probably can't comprehend any of those things
24:45
Speaker 3: right now, but when they're older, I promise they are
24:48
Speaker 3: going to tell everybody about how great their mum is.
24:51
Speaker 3: I just know it. So thank you so so much
24:54
Speaker 3: for joining us. It has been a pleasure hearing your
24:57
Speaker 3: money story.
24:58
Speaker 4: Thank you so much for having me.
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