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MONEY DIARIES: Locked down Kiwi · She's On The Money

0:01
Speaker 1: She's on the Money.
0:03
Speaker 2: She's on the Money.
0:14
Speaker 3: Hello, and welcome to She's on the Money, the podcast
0:17
Speaker 3: for millennials who want financial freedom. My name, as always,
0:22
Speaker 3: is Victoria Devine, and I am a financial advisor, a millennial,
0:25
Speaker 3: and I am a woman who is wildly passionate about
0:28
Speaker 3: all things financed. In this Money Darry's episode, you're going
0:31
Speaker 3: to hear about our lockdown. Kiwe, who moved to Australia
0:35
Speaker 3: right before the coronavirus hit, struggled through the entire thing
0:39
Speaker 3: and has come out the other side on a completely
0:42
Speaker 3: different page. And we're going to hear her story and
0:44
Speaker 3: how her and her partner and young child got through that.
0:48
Speaker 3: Ryan John, as always, is going to be joining me.
0:50
Speaker 3: So Ryan, can you read out the email she sent
0:52
Speaker 3: us last week?
0:54
Speaker 1: My husband, daughter and I moved over in February this
0:57
Speaker 1: year from New Zealand to Melbourne to create a future
1:00
Speaker 1: for ourselves with better opportunities.
1:02
Speaker 3: Beautiful.
1:03
Speaker 1: A month later, we hit lockdown. Oh not so beautiful,
1:07
Speaker 1: so beautiful, What a disaster. We used all of our
1:10
Speaker 1: savings trying to just get by during the pandemic. I
1:13
Speaker 1: was able to get a part time job and support
1:15
Speaker 1: my little family, My husband has machine operating experience, but
1:19
Speaker 1: he's had no luck getting a job as so many
1:21
Speaker 1: people had lost their jobs. It was really competitive to
1:23
Speaker 1: get new work because no one's really hiring. When no
1:27
Speaker 1: one's all the factories and stuff are closed, right, Oh
1:29
Speaker 1: the worst. When I was miserable and stressed, I would
1:32
Speaker 1: clean and I would listen to the shites on the
1:33
Speaker 1: Money podcast. And how did it change my look on
1:36
Speaker 1: money and how it had control over me? Growing up?
1:39
Speaker 1: My parents never taught me about money. But now my
1:42
Speaker 1: husband finally has a full time job. I work part
1:45
Speaker 1: time and look after my daughter the rest of the time.
1:47
Speaker 1: We save, we budget. We feel empowered every day knowing
1:50
Speaker 1: we have extra save for emergencies. We want to buy
1:53
Speaker 1: a house and hopefully we'll be able to afford to
1:55
Speaker 1: visit New Zealand when we can in the future.
1:57
Speaker 3: How exciting.
1:58
Speaker 1: So I didn't want to use the term survivor because
2:00
Speaker 1: it just sounds maybe a bit more dramatic, dramatic than
2:03
Speaker 1: it really is. But but it's totally to come over
2:05
Speaker 1: here without a job and hit a lockdown and everything
2:08
Speaker 1: that's happened to come out the other side all right.
2:11
Speaker 1: Maybe using survivor wasn't too dramatic Victoria's singing on the podcast.
2:14
Speaker 3: Now Welcome New Year, knew me?
2:16
Speaker 1: Is that what we can come to expect in twenty
2:18
Speaker 1: twenty one?
2:19
Speaker 3: Absolutely so many surprises? Ad more.
2:21
Speaker 1: All right, I'm going to call her the lockdown Kiwi.
2:23
Speaker 3: All right, lockdown Kiwi?
2:24
Speaker 1: All right, let's give her a bell.
2:30
Speaker 2: We speaking?
2:31
Speaker 1: Hello? Is this the formerly lockdown Kiwi? Oh?
2:35
Speaker 2: Yes, hello, friend, Hello, I'm so nervous.
2:40
Speaker 3: Why are you nervous?
2:42
Speaker 2: I just put my daughter to sleep, went to the office,
2:45
Speaker 2: which isn't the room she goes into, so I'm.
2:47
Speaker 3: Hoping that she just so, you're nervous, not because of
2:50
Speaker 3: the money diary. You're nervous going to.
2:53
Speaker 2: The money diary. I'm so nervous because of the money diary.
2:57
Speaker 3: But in all honesty, you should be more nervous. That
2:58
Speaker 3: will wake your sleeping chry But that is a n story. Okay,
3:03
Speaker 3: lockdown kyw. What has your relationship with money been like
3:06
Speaker 3: in the past.
3:07
Speaker 2: Well, my parents never taught me about money. My mom
3:10
Speaker 2: didn't really talk to me about it at all, neither
3:13
Speaker 2: did my dad, and it's not something that I learned
3:15
Speaker 2: in school. I was very I'll make the money I'll
3:19
Speaker 2: spend it and I'll know that i'll get paid again.
3:21
Speaker 2: My husband, on the other hand, he was doing a
3:25
Speaker 2: course in accounting at university and his dad always always
3:30
Speaker 2: talked about it, but I never was willing to have
3:32
Speaker 2: conversations with him about it because I didn't want to
3:35
Speaker 2: argue because I've seen it in the past. So now
3:37
Speaker 2: we're building a money story together.
3:40
Speaker 3: Awesome and being pervy. What do you do for work now?
3:43
Speaker 2: I went part time at a Chinese takeaway. We moved
3:47
Speaker 2: over to Australia to bree Fith and I was very
3:50
Speaker 2: lucky to go down to my local supermarket and there
3:54
Speaker 2: was a Chinese restaurant outside and I just applied for
3:58
Speaker 2: the job and got it. So I got the job
4:00
Speaker 2: a month after we got here.
4:02
Speaker 3: Oh, winner, you sound really kind, so I'd hire you too,
4:05
Speaker 3: if that makes sense.
4:05
Speaker 1: Do you have free pron crackers?
4:07
Speaker 3: Who?
4:08
Speaker 1: Yeah?
4:08
Speaker 3: Do you get free pron crackers?
4:09
Speaker 2: That's oh, my daughter every time she comes in. Obviously
4:13
Speaker 2: she still and a half doesn't know about money. She
4:15
Speaker 2: goes straight for the pron crackers and she's gains three times.
4:19
Speaker 3: Yeah, woman after my own heart. Honestly, Now, would you
4:23
Speaker 3: be comfortable telling us how much you earn and how
4:25
Speaker 3: much is currently in your bank account?
4:27
Speaker 2: So my husband and I got a joint bank account
4:30
Speaker 2: when we first moved here because during COVID obviously people
4:34
Speaker 2: were losing jobs and losing money not gaining jobs, so
4:39
Speaker 2: we were off mine. And then my husband got a
4:42
Speaker 2: job recently, so we make about three thousand to fortnite
4:46
Speaker 2: and my account is two thousand.
4:48
Speaker 3: Five hundred awesome And what is your attitude to money
4:51
Speaker 3: and what's currently your big money goal?
4:54
Speaker 2: My attitude has drastically changed from being reliant on savings
4:58
Speaker 2: and stress due to COVID impact donors financially, but now
5:02
Speaker 2: I'm empowered to replenish our savings and more in control
5:06
Speaker 2: since listening to the She's on the Money podcast. Our
5:09
Speaker 2: big savings goal is to own a house and create
5:12
Speaker 2: financial stability for our future here in Australia.
5:15
Speaker 3: Yay And wants your attitude towards investing and do you
5:19
Speaker 3: currently have any investments?
5:21
Speaker 2: You guys are the first ones that taught me about investing.
5:23
Speaker 2: I didn't know anything about it. It still scares me
5:28
Speaker 2: because my relationship with money is still mending from you know,
5:32
Speaker 2: spending on our savings. But I know now that I'm
5:34
Speaker 2: more in control of my money and with the knowledge
5:37
Speaker 2: I'm gaining, we'd like to consider trying to micro invest
5:41
Speaker 2: in future.
5:42
Speaker 3: That's so very exciting. So what depths do you currently have?
5:47
Speaker 2: So my husband has a student loan in New Zealand
5:50
Speaker 2: that were currently paying off from our joint account. Other
5:53
Speaker 2: than that, that's it now. Credit cards, no personal loans,
5:57
Speaker 2: no finance cards or phones, which we're really proud of.
6:00
Speaker 3: That is epic.
6:01
Speaker 1: Do student loans in New Zealand get a bit complicated
6:03
Speaker 1: when you leave New Zealand. I've heard the interests like
6:05
Speaker 1: triples or something.
6:06
Speaker 2: Yeah, so after six months after leaving the country, we
6:11
Speaker 2: do get interests accumulated on his student loans. So it
6:15
Speaker 2: is very hard and it is a big student loan,
6:18
Speaker 2: but we're lucky.
6:19
Speaker 3: It's or anything that we have interesting. So what would
6:23
Speaker 3: you say your best money habit is.
6:26
Speaker 2: I've never been into buying things for the sake of it.
6:29
Speaker 2: I find deals and I don't impulse buy. I take
6:32
Speaker 2: photos of things, I look at it for a while,
6:35
Speaker 2: I consider the price, and if it's something I want,
6:38
Speaker 2: I buy it. We've never had a credit card or
6:41
Speaker 2: contracts with personal loans. However, I did use after pay
6:45
Speaker 2: when we were trying to set up our life here,
6:47
Speaker 2: like furniture, but I always budget for it, and I've
6:50
Speaker 2: never had to pay extra from miss payments, and we
6:54
Speaker 2: don't use it for things that aren't needed.
6:56
Speaker 3: So it sounds like it was a super handy tool
6:58
Speaker 3: in your situation.
6:59
Speaker 2: It was. I did listen to all your podcasts that
7:02
Speaker 2: after pay that we've been really smart about it, and
7:05
Speaker 2: it's something that we needed when we were living off
7:07
Speaker 2: our savings.
7:08
Speaker 3: Yeah, and I think that that's actually something that people
7:11
Speaker 3: get a little bit confused about when they do listen
7:13
Speaker 3: to my podcasts, because I've actually never said get rid
7:16
Speaker 3: of your after pay or I never use it. I
7:18
Speaker 3: literally just said it is such a bad tool if
7:21
Speaker 3: you're bad at money, but if you can use it
7:23
Speaker 3: as a great tool, sometimes it's great for cash flow.
7:25
Speaker 3: In your situation, it sounds like it was something that
7:27
Speaker 3: really helped you through a time where you actually needed
7:29
Speaker 3: a bit of extra money.
7:31
Speaker 2: Yeah, it was essential. But I do I see so
7:35
Speaker 2: many people on your group and they're always like, oh,
7:38
Speaker 2: my money goal has been and I achieved this by
7:40
Speaker 2: getting rid of after pay, And I think for me,
7:43
Speaker 2: I'm very lucky to have had it, and in the
7:46
Speaker 2: past we've always used it because we haven't had savings,
7:49
Speaker 2: so we always just put it into our budget for payday.
7:54
Speaker 3: I think it's a really lucky position to mean that
7:56
Speaker 3: you don't have to use it anymore, but knowing that
7:59
Speaker 3: the option is there should you ever need it, and
8:01
Speaker 3: you can use it responsibly. I think that's great. On
8:03
Speaker 3: the flip side of that question, what is your worst
8:06
Speaker 3: money habit?
8:07
Speaker 2: Ooh, confession time. So I work night and my husband
8:12
Speaker 2: doesn't cook, So even though I plan to meal crips,
8:15
Speaker 2: I never end up having time because I must stay
8:17
Speaker 2: at home un during the day and then I work
8:20
Speaker 2: at night, so when it's super late and I get home,
8:23
Speaker 2: it's always just takeaways to get us fit. But since
8:27
Speaker 2: twenty twenty one has started, I've cooked every meal and
8:31
Speaker 2: I've done well so far.
8:32
Speaker 3: Hey, that is epic. That is actually epic. I'm really
8:36
Speaker 3: excited to hear that, because that's that's not a small fee.
8:39
Speaker 1: I also empathize with you working weird hours because when
8:43
Speaker 1: you and your partner have meals at different times, it
8:45
Speaker 1: actually throws off everything with shopping and cooking meals and
8:49
Speaker 1: trying to plan ahead, and it's a really tough situation.
8:51
Speaker 1: So hopefully the good twenty twenty one have it continues.
8:55
Speaker 1: I've got my fingers cross.
8:57
Speaker 2: And then two year olds it's fussy.
8:59
Speaker 3: Oh no, that adds even more complexity. All right. So
9:03
Speaker 3: last and final question, if I forced you to give
9:06
Speaker 3: yourself a grade, what would you give yourself?
9:10
Speaker 2: Okay, So in New Zealand we don't do grades like that,
9:13
Speaker 2: but I've talked to my Australian family and we've come
9:16
Speaker 2: up with a minus.
9:18
Speaker 3: Oh my god, minus? Okay, be minus sounds reasonable.
9:25
Speaker 2: I don't know if it was the e but I
9:27
Speaker 2: have room for improvements. But I'm willing to learn.
9:30
Speaker 3: Okay, you're going to have to help me here. We
9:32
Speaker 3: actually have a lot of Kiwi listeners. What in Kiwi
9:36
Speaker 3: world would you have grade as yourself? Oh, profession proficient?
9:41
Speaker 1: I don't even know. Can I just say a lockdown Kiwi?
9:46
Speaker 1: This makes so much sense because we have a lot
9:48
Speaker 1: of New Zealand listeners. And when I've done money dies
9:50
Speaker 1: with people from New Zealand, I always get to this
9:52
Speaker 1: question and kind of have to explain it. And I'm
9:53
Speaker 1: always sitting in my office going like, why don't they
9:56
Speaker 1: understand this? And no, one ever said, Oh, we don't
9:58
Speaker 1: have that grading system in New Zealand.
10:00
Speaker 2: Oh no, we don't. We always all.
10:03
Speaker 1: Right, if I was weird or awkward to any other
10:05
Speaker 1: Kiwi Money diaries over the last six months, this is why.
10:07
Speaker 3: Sorry, what are the other grades? There's proficient and what
10:12
Speaker 3: sits around that?
10:14
Speaker 2: Basic is obviously like.
10:17
Speaker 3: And magine being called basic by your country.
10:20
Speaker 2: Yeah, basic procession advanced. We can go up to like
10:24
Speaker 2: the one hundred percent months, so we do percentages.
10:27
Speaker 3: Oh okay, all right, well I want to be called basic.
10:30
Speaker 1: Thanks you, exam guys, Ryan, you are basic. Lockdown keyw
10:35
Speaker 1: We have lots of questions that we'll get to, but
10:37
Speaker 1: first we just need to take this quick break for
10:39
Speaker 1: our sponsors. All Right, we've just heard all the details
10:46
Speaker 1: from the lockdown Kiwi who's still on the phone, Thank
10:48
Speaker 1: you so much for joining us. Thank you first of all,
10:51
Speaker 1: as someone who lives in Melbourne, grew up in Melbourne
10:54
Speaker 1: and is a proud Melbourne and I actually hate that
10:56
Speaker 1: you moved here this year because I'm like, oh, don't
10:59
Speaker 1: don't hate my town, because it's been really cool, I promise.
11:03
Speaker 1: So my first question is did you ever kind of
11:05
Speaker 1: regret moving here? Because New Zealand's had such a great
11:07
Speaker 1: run with COVID and Melbourne really hasn't.
11:10
Speaker 2: Just Senda, I don't love her. What she did for
11:13
Speaker 2: New Zealand back home was incredible. However, I just haven't
11:17
Speaker 2: had a chance to see Melbourne. Obviously we had the
11:20
Speaker 2: five kay limit and then we had the twenty five klamit.
11:24
Speaker 2: It's been really scary. My daughter's not old enough to
11:27
Speaker 2: wear a mask, nor will she wear one. Taking her
11:30
Speaker 2: out of the house was always hard. We haven't been
11:32
Speaker 2: able to experience anything. But it's given me more time
11:36
Speaker 2: to clean around the house and listen to the podcast.
11:39
Speaker 3: That's okay, I'm not mad about that, but I am
11:41
Speaker 3: a little bit upset for you because there is so
11:44
Speaker 3: much here that there is to see, and I'm sure
11:46
Speaker 3: you'd be able to see it soon. I think I
11:48
Speaker 3: would really like to understand, like, if other people are
11:51
Speaker 3: going through this situation and you've obviously kind of come
11:53
Speaker 3: out the other side in a way, and you did
11:56
Speaker 3: find employment and you have got some nice savings in
11:58
Speaker 3: your account, Now, what advice would you give them?
12:02
Speaker 2: So I have this calculus which is like dyslexia but
12:05
Speaker 2: with money, and I always had this mindset with my
12:09
Speaker 2: husband leads not talk about money because I've only seen
12:14
Speaker 2: arguments come out of it. I think that listening to
12:17
Speaker 2: the podcast, I felt more empowered to take control. I've
12:21
Speaker 2: always been the one paying the bills, but I never
12:23
Speaker 2: understood the value of money. So I think that is
12:27
Speaker 2: always positive to the negatives. Obviously, coronavirus hit everybody in
12:32
Speaker 2: different ways, but we can all say it's been a
12:35
Speaker 2: rough year. I think if you look at the positives
12:38
Speaker 2: and figure out how to readjust yourself so that you
12:41
Speaker 2: can see where your future is and see how you
12:44
Speaker 2: want your life to be. I want my daughter more
12:47
Speaker 2: than anything to have knowledge of money now that I do,
12:51
Speaker 2: and I don't want her money three to be the
12:54
Speaker 2: way that mine was. I should have learned earlier. It
12:57
Speaker 2: should be taught in school. It should be something our
13:00
Speaker 2: parents are able to talk about, and hopefully in the
13:02
Speaker 2: future it's something that we can adjust so that our
13:06
Speaker 2: kids grow up with learning the value of a dollar,
13:09
Speaker 2: learning how to stay, learning where to put money and
13:11
Speaker 2: what they want to do with money, and how it
13:14
Speaker 2: cannot be in control of us. We could be in
13:16
Speaker 2: control of it.
13:17
Speaker 1: Yeah, I love that too. I used to winge about
13:20
Speaker 1: this all the time. And I know money and maths
13:23
Speaker 1: obviously have similarities but a different topics.
13:25
Speaker 3: But it's so different.
13:26
Speaker 1: But how often do you think in high school? When
13:29
Speaker 1: am I going to actually use this stuff? And then
13:31
Speaker 1: you never get taught about what credit card interest is,
13:34
Speaker 1: how to pay your taxes, all this basic stuff that
13:36
Speaker 1: you need, but you learn about algebratic equations and you
13:39
Speaker 1: just think, isn't that time better spent elsewhere on money stuff?
13:42
Speaker 1: Does that annoy you? Doing?
13:43
Speaker 3: Well, I can calculate the circumference of a circle.
13:45
Speaker 1: So and how's that gone for you?
13:48
Speaker 3: Well, I've never used that, but I can do it.
13:51
Speaker 1: Yeah, what's your thoughts on with our lockdown key? We
13:55
Speaker 1: said there that she in her mind associated talking with
13:58
Speaker 1: money with fighting with money. They were the same thing.
14:01
Speaker 1: And is it just a learned experience? Like that's what
14:03
Speaker 1: you see, So that's what you assume has to happen.
14:05
Speaker 3: Yeah, that's a learned experience. I'm assuming that you grew
14:08
Speaker 3: up in a situation where every conversation around money would
14:11
Speaker 3: have elicited an emotional response by the people that we're
14:14
Speaker 3: talking about it, and therefore you have just learned that
14:17
Speaker 3: that's what money does. To people and that's how it works.
14:20
Speaker 3: And I think that that's just an outcome that you
14:22
Speaker 3: see and everybody knows that what you learn, you often
14:25
Speaker 3: learn from your parents. And I was reading a great
14:27
Speaker 3: study the other day actually, and I'll try and link
14:29
Speaker 3: it in our Facebook group, just purely because I think
14:31
Speaker 3: you guys will be interested in it. But money stories
14:34
Speaker 3: and money behaviors are ingrained from the age of seven.
14:37
Speaker 3: Wo that's where we start to get our unconscious biases
14:40
Speaker 3: when it comes to money. And everybody is saying, oh, yeah,
14:43
Speaker 3: why don't you start teaching money to you know, year
14:45
Speaker 3: eleven and twelve students when they're seventeen eighteen about to
14:48
Speaker 3: come into the real world. And it's like, well, no,
14:50
Speaker 3: we actually need to be teaching five and six year
14:52
Speaker 3: olds how money works and you know what a credit
14:55
Speaker 3: card is and why that's not a great option in
14:57
Speaker 3: comparison to cash if you're you know, just doing the
14:59
Speaker 3: daily sh And I think that that would have come
15:02
Speaker 3: from that stage of your life growing up and you
15:05
Speaker 3: just don't notice it.
15:06
Speaker 1: Yeah, so Money Diarist our lockdown, kyw have you unlearned this?
15:10
Speaker 1: Does that make sense? Like last year?
15:12
Speaker 3: Unlearning it?
15:13
Speaker 2: Well, here's the thing. My husband and I we don't
15:16
Speaker 2: fight about money, so it's definitely and grain from me
15:20
Speaker 2: when I was little. I think now that we're able
15:23
Speaker 2: to have the conversation, then we both see where we
15:27
Speaker 2: want our money to go. We both see how much
15:30
Speaker 2: we want to save. And you know, he used to
15:32
Speaker 2: talk to me about money and I used to let
15:34
Speaker 2: it go straight over my head. I used to think, yeah, yeah, sure.
15:37
Speaker 2: But if he says we want to say for a house,
15:40
Speaker 2: and we want to save this much, I think, oh
15:42
Speaker 2: my god, that's never going to happen. Now that I'm
15:46
Speaker 2: starting to understand it myself, knowing that we never thought
15:49
Speaker 2: about it anyway, it wasn't my experience, and that we've
15:52
Speaker 2: continued to have educated conversations and aren't having fights about it,
15:57
Speaker 2: it was never a worry for myself.
16:00
Speaker 3: Would you say that you're on the same page as
16:01
Speaker 3: your partner when it comes to financial goals?
16:04
Speaker 2: A million percent?
16:05
Speaker 1: Yes.
16:06
Speaker 2: I think back in New Zealand, we didn't necessarily have
16:08
Speaker 2: the finances, and when we came over here and used
16:11
Speaker 2: all of our savings, it created a very emotional bond
16:17
Speaker 2: where my money was always oh, how are we going
16:19
Speaker 2: to spend this? We've got savings, but we've got all
16:21
Speaker 2: the stuff to get you know, lockdown. We can't do
16:24
Speaker 2: anything online shopping. We couldn't get the basics for our
16:28
Speaker 2: daughter because everyone was buying everything up online. Oh yeah, yeah,
16:33
Speaker 2: so that was another challenge that had us really hard.
16:36
Speaker 2: But definitely our goals for the future and finding little
16:40
Speaker 2: things that we can get now it's really exciting.
16:44
Speaker 3: I love that, and I think that's really important to
16:46
Speaker 3: note as well, and like I'm going to make some
16:48
Speaker 3: assumptions here that it has potentially brought you and your
16:50
Speaker 3: husband a little bit closer together, which is a really
16:53
Speaker 3: great outcome of sharing money, goals and sharing our finances
16:57
Speaker 3: because it's just a deeper level of understanding one another.
16:59
Speaker 3: And I think that's actually awesome.
17:02
Speaker 1: Definitely, I liked when you said that when you want
17:05
Speaker 1: to buy something, you just take a photo of it.
17:07
Speaker 3: Oh I loved that. I just forgot about that until now.
17:10
Speaker 3: I'm glad you brought that back, because.
17:12
Speaker 1: Yeah, V you often say twenty four hours between you purchase.
17:14
Speaker 1: I feel like there's a lot of different variations of
17:16
Speaker 1: how can I just delay this somehow? So where did
17:20
Speaker 1: you pick up that tip and how well has it
17:21
Speaker 1: been working?
17:22
Speaker 2: For you so far, I always just grazed things off
17:24
Speaker 2: the shelf if I know I need it for my daughter,
17:26
Speaker 2: do the same for my husband. But for me, I've
17:28
Speaker 2: always double thought about things because I've always had the basics.
17:33
Speaker 2: It's the things that aren't.
17:34
Speaker 3: What's the last thing you took a photo of?
17:36
Speaker 1: Yeah, what's I mean? I don't want to say selves.
17:38
Speaker 3: Oh, my photo album, but show me your photo album.
17:42
Speaker 2: It's always going to be camer.
17:46
Speaker 3: I'm actually a bit the same. I'm not going to
17:48
Speaker 3: say that I do that, but I am good at
17:50
Speaker 3: screenshotting things that I think I want so that I
17:53
Speaker 3: think I'll save them for later. And now ninety percent
17:56
Speaker 3: of my camera roll is just screenshots of things I
17:58
Speaker 3: think I wanted in the moment, and I have completely
18:00
Speaker 3: forgotten about.
18:01
Speaker 2: Oh you didn't get them, No.
18:03
Speaker 3: I didn't. I feel like I always screenshot it for later,
18:06
Speaker 3: and I tell myself I'll come back to it, and
18:09
Speaker 3: then I completely forget to come back to it, and
18:10
Speaker 3: I think that's a dead giveaway that I didn't need
18:12
Speaker 3: that thing in the first place.
18:14
Speaker 1: To be honest, do you have any other questions?
18:17
Speaker 3: I don't think so. I'm just really grateful for your story,
18:19
Speaker 3: to be honest, and I think that it's such a
18:21
Speaker 3: good one for us to all learn about. And you know,
18:23
Speaker 3: I love that you've come out the other side of
18:25
Speaker 3: it and you're really setting great financial goals with your partner,
18:28
Speaker 3: and that your daughter is going to learn about money,
18:30
Speaker 3: and I just I love the impact that she's on
18:32
Speaker 3: the money has had on you, but also just that
18:34
Speaker 3: it seems to be extending to a completely different generation now,
18:37
Speaker 3: which is awesome.
18:39
Speaker 2: And I've definitely told my mum, you know, she's like, oh,
18:42
Speaker 2: how do I get an up there that's on the
18:48
Speaker 2: boat And she'll always say, what is this mean, Ashley.
18:53
Speaker 3: Like, I don't know, let me read it. What are
18:55
Speaker 3: you talking about?
18:56
Speaker 1: Yeah, now that your partner's got a new job and
18:59
Speaker 1: you guys are on your feet, we'd love to give
19:01
Speaker 1: you the budgeting and cash Flow master class as well,
19:03
Speaker 1: because I think it's at the start of a new year,
19:06
Speaker 1: new job, it's a great time to set yourselves up
19:08
Speaker 1: and see where you can get to in the next
19:09
Speaker 1: twelve months, twenty four months, few years. So we'd love
19:12
Speaker 1: to send you that for free as well.
19:13
Speaker 3: Really, of course, I know that you guys absolutely deserve it,
19:18
Speaker 3: and I think it'll put you in a position where
19:20
Speaker 3: you feel even more in control of your money. And
19:22
Speaker 3: I think that, you know, I'd just be excited for
19:24
Speaker 3: you to do.
19:24
Speaker 2: It, to be honest, definitely learning some tips of how
19:28
Speaker 2: other people say. I've heard that people use percentages of
19:33
Speaker 2: your pay and stuff like that. I'm using the templates
19:36
Speaker 2: at the moment, so I know that's easier for me.
19:38
Speaker 2: I have it right above my light switch. I always
19:40
Speaker 2: highlight it and I never take it out of this
19:42
Speaker 2: saving if you're highlighted it, why would you want to thank?
19:46
Speaker 2: Oh my gosh, but I've spent that, so why do so?
19:50
Speaker 2: Oh my gosh, more tips, more knowledge? Oh I can't wait?
19:54
Speaker 1: Would you? I feel like we need to just keep
19:56
Speaker 1: your number for you to be the poster girl and
19:58
Speaker 1: read the ad for the core especially.
20:00
Speaker 3: You're going to be the She's on the money post
20:01
Speaker 3: a girl.
20:03
Speaker 2: Absolutely all right.
20:05
Speaker 3: Well, thank you so so much for joining us. I
20:08
Speaker 3: am really grateful for your story and I'm so glad
20:11
Speaker 3: that you are a part of our community.
20:13
Speaker 2: Thank you so much.