MONEY DIARIES: An open heart and an open book!

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She's on the Money, She's on the Money.

Hello, and welcome to She's on the Money, the podcast for millennials who want financial freedom. Welcome back to another shot back Money Diary Monday, where we chat to one of our Gorge community members and learn about them, their story, their plans, their dreams, their hopes, just all of the jew juicy details.

Victoria, how are you going.

I'm good.

I'm not as excited about this one as you are, purely because I just don't know what I'm looking for yet.

You don't know what's going on, but it is a goodie. Let me give you a little overview, So our diarist wrote, I found my old therapy notes from age twelve, and a big worry was my family's financials. I was hospitalized several times as a child to have open heart surgery, and my dad accepted a retrenchment to stay by my side in hospital. My parents are now fine financially, but I feel like too much was shared with me as a kid, and it caused a lot of anxiety about

Oh my god, now I am excited to learn about that. That's heavy.

It's a young person. That's a lot to carry, especially because when you're not well, when you're young, you feel like a burden already, Like, oh, you feel like a burden regardless of your age.

And just a little content warning as well. We will be touching on sexual assault a little bit later. So if that's something that is a little challenging for you right now, that is so totally fine that this might be an episode that you want to give a mess.

We have a heap of other episodes for you to listen to, So jump on over there now, Money Darrist, you're hanging out in the wings. Welcome to the show. Hi, welcome, I'm excited to have you. Thank you for taking the time to hang out with us. But without further ado, let's just throw you in the deep end money darist tell us a little bit about your money story.

Yeah, so what I wrote there, I've listened to the podcasts for a while and kind of related to the whole money story thing. That didn't think it was that relevant for me, Like I couldn't think of a big pivotal moment little did you know exactly? My mom got me to go because I moved out of home last year. My mom got me to go back and deal with all my filing and stuff like that. And I found the notes from when I was a kid, and it talked about kind of my big anxiety about my family

My gosh, yes we do, we do.

We want to hear that I relate now. So yeah, I sent that in.

Oh my gosh, that is so special.

And do you think that that kind of formed the way you've been acting around money even subconsciously as an adult today, Like, how do you think that that's impacted you growing into an adult?

One hundred percent? Like I value money quite highly. I worry about not having enough. So I was very much, especially growing up like a saber rather than a spender. And even now I'm like very meticulous with where every dollar goes in my paycheck. And I think it's because I remember what it's like to not be able to afford even like we still got all the big stuff, We got all the food and the you know, the

I did not want the library.

The library's not cool.

Yeah, I've still got them here on my bookshelf at home, the Harry Potter books, So they were like a big thing in my childhood. But yeah, that idea of not being able to afford something that I considered to be so small as just a book really like through me.

But it was a lot, like it was a lot in their budget at that time because clearly they were living dollar to dollar and it was all making sense until a bump in the road came off and money diarist was like, excuse.

Me, but why not? I don't get it.

So that hits kids pretty hard as well when it starts to become things that really impact them. So it's interesting to see how that translated to the way you behave as an adult, because whether it's conscious or unconscious, our money diary is so formative. I find it so interesting. So thank you for sharing that with us. But let's learn a little bit about you as an adult. Now, tell us a little bit about what you do for work and how much money you earn.

So I'm a registered nurse in Imagine Department. So I'm an RN four.

Now, fancy lady.

Well, basically just means I've been out of UNI for four years. But it meant that last financial year I earned eighty eight thousand dollars.

And that's pretty good.

Yeah, last year I had what I affectionately called lockdown annual leave, which is where my leaf balance was too high that Sydney was still in like our big month long, couple months long lockdown.

Oh yeah, yeah, yeah, so I did.

Some like uber eats driving during that time just to have a reason to get out of the house.

Oh I love that.

Yeah, and I made an extra two thousand dollars after tax.

Oh my gosh, that was worth it.

Well, I mean twofold. It stopped me from sitting in my house for four weeks in lockdown. And yeah, a little bit of extra coin to go towards the holiday fund is always nice.

Yeah, that's actually epic.

I love hearing stories about people getting little side hustles that aren't necessarily always about the money. It's yeah, great, you made two grand, but you're also like, no, I needed to get out of the house. This was basically a really good insurance policy for my mental health and to make sure that I'm still moving and doing stuff at a time when arguably a lot of people were just locked away and unable to.

So I love that for you.

And we still got to chat to people like it was still very much like here's your food, but like how is your day?

Yeah, but you still feel like you're doing something.

Still I'm talking to someone other than you know, my partner who I live with.

I feel like in Lockdown I was a bit like that. Whenever the postman came, I'm like, how are you do? You want to come for a cup of tea? Not that I did that, but it was just a lot more interactive than it would have been otherwise.

Oh, I was going to say, Now, if I order Uber, it's like the person guidance and drops off my food, and because I get we get to go out and see all our friends. It doesn't seem as much of a social interaction now or as it did last year. It was definitely.

Exciting, totally. Now, you mentioned a holiday fund before. I'd love to know what is your big money goal?

So I always set aside parts of my money like for holidays anyway, so I wouldn't really call that the big goal. The big goal for me is relatively typically millennially, is to try and buy a house. So I set aside twenty percent of my income to a deposit account that I'm trying to get a home deposit, so figures

Smart woman. Now tell me a little bit about the amounts in those savings accounts, because you can say, look, my big money goals this, but this is she's on the money. I want to know how much is in that account and how much further you want to go.

So if you exclude my emergency fund, because that's I've put that in a separate account that I don't really look at. There's ten grand in there, which I guess I could tap into if I need, like if I got a gin, But otherwise I have fifty thousand dollars saved at the moment.

Oh, check you out.

You weren't wrong about being a good little saver trying.

Yeah, oh my gosh, how good?

And how much do you think you need for a house deposit for where you want to purchase.

I live in Sydney and the house and prising is yeah insane. I's so at the moment, and I have learned since the Spicy Cough lockdowns that I want like a backyard, I want a house with land. I realize how important it is for my mental health to be able to be outside and like not just on a little balcony. Yeah, so it means I'm looking at like one point two minimum in terms of purchase price, and ideally I'd like to avoid LMI, so I'm going to

Yeah, okay, so that'll make it a little bit easier, but obviously that's a really big goal. Like we're not talking let's just say fifty grand and buy something that fifty grand can buy you. How do you feel about time frames around goals, so like, are you still committed or do you feel like some times you fall off the bandwagon, because I think a lot of millennials are in this situation where they're like, oh my god, saving for a house takes forever, but it's worth it in the long term.

Yeah. I mean, I definitely have those moments where you're like trolling domain or real estate dot Com and you're seeing what you could get if you've got a deposit on what you had now, and it's always disheartening. Yeah, but I know that my parents now like they've offered to let me move back in home with my partner and they set up a little space for us if we wanted to save the money we were spending on rent.

That's a massive saving and like that projects you so much further forward when it comes to saving for a home. And if you're moving back in, like arguably you and your partner, if you're both doing that, that potentially is another thirty grand a year, Like that's why.

Yeah, so that's what we're talking about at the moment. But he's a bit older than me and has lived out of home for a lot longer, so he's obviously very hesitant to give up that independence to move back in, especially with my family.

Yeah, it's definitely a balance of values and what you want to do and how it's working. I totally understand that. Moving on from goals, I want to know, do you have any investments.

I have my super which I never really thought of as an investment until the podcast.

But it is, but it is. I promise it's.

Got thirty thousand in it at the moment.

Hey, that's pretty good for your app.

Yeah, I think it's like this was a little I think you guys might have posted it like a little what's the average for your age bracket? Yeah?

Probably. Yeah, that sounds like something just would have done to.

Us, and that kind of average, which is good.

It's nice to just know your own trick.

Yeah.

I always thought I was behind because I didn't really like a lot of people start working at fourteen and nine months and they keep binding, whereas my first job I was eighteen, Like it was. I couldn't work during high school, so it was I was always worried that I'd be behind. But it's nice to know that I'm kind of on average. And then last year I put my tax return into a raise account.

And oh my gosh, who is she? I know you.

Contribute like the price of one coffee a week, which I know isn't a lot.

No, no, no no.

I used to quote on the podcast all the time from little things, big things grow, and they really do. It's about the habit, and it's about forming those habits and creating consistency, so when your income increases or your situation changes, you can make that change.

And also, I'm very risk averse, so I went, if I can give up one cup of coffee slowly? Yeah, like I could handle not having one coffee.

You're like, if I lost a cup of coffee this week, it wouldn't be the worst thing, So let's start investing with that.

I love that exactly.

I dropped my coffee on the floor the other day and that was also five dollars down the drain.

Oh my gosh, it was so disappointing. I love that for you. Next question is do you currently have any debts? I feel like you're going to say no. I feel like I'm pretty good at predicting this, but what is it.

No, I don't currently have any debts. I have had debt, like I got a car loan to buy a car, but then I also got essentially I got a payment for being a victim of a crime and use that to pay off my car loan. So now, apart from my hex, I'm debt free.

That is a really terrible money win.

I mean, yeah, it's a money win because you got money and got to pay off a debt, but you probably experienced something really traumatic.

Yeah, but I'm sorry.

I feel like I can joke about it now and I think of it now as let's just focus on the fact that I got.

That money in I mean, no debt debt free except my hex.

But you know that dies with me anyway.

So all right, So we're going to come back to that after the break.

But moving on from my question about debt, I want to ask about good money habits. But before I get there, my friend, you're in the She's on the Money community. You knew that you wanted to share money wins with us, so it's a logical or something to assume.

That maybe you use shop back. Can you tell us if you do, or if you've had any experience with it before?

I do.

I do use shot back. I haven't heard of it before the podcast. I was. I had the Honey extension, the one that.

Like, oh my gosh, I remember.

Allie you like discount codes.

And it was really annoying though, because I got I reckon six emails a day from that Honey.

Recent I was like, no, the emails are worth it if I save some money. Yeah, shot back no emails like unless I want them, which is even better. I don't feel like they're spamming my inbox, and so far I've got like thirty dollars sitting in there, which will be a nice little treat at some point.

I love that I have been trying to use shot back as much as possible. If you're a long term listener of the pod, you'll know that Jess uses shot back on all of our business purchases, so hers is looking probably incredibly healthy right now. But I'm planning on drawing mine now at Christmas time and using it on Christmas groceries, because I feel like that's the thing that gets away from me at Christmas. I budget for presents and organize all of that stuff, but I totally forget

So far, so good.

I want to know another one of your good money habits, my friend, what is your best money habit?

I probably go with my best money habit at the moment is automation. Like all my pay. I'm very fortunate that I work for the government. I work in a public hospital, and they allow you to separate your pay into like six separate chunks.

So, oh, how good is that?

So I've worked out how much my bills for the year work out to be for the month, and then set that aside, and then I get my twenty percent deposit and I set that aside, and you know, five percent goes to my little holiday accounts. Set that aside each month. So it just means that I never feel short. So I think that's probably my best I.

Really like that.

So are you saying that what hits your actual bank account that you kind of have a debit card with, that's just what you can spend and you know you can spend because everything else is already pre allocated.

Yeah, pretty much. So I do HelloFresh for meals, but for breakfasts and you know, little snacks and things like that. I've still got to put the groceries on that part. But other than that, if I want to go out with my friends or if I want that you know, cheeky second coffee for the day, like I know that that money is there for the month, and yeah.

I really like that.

I feel like that sounds very similar to the budget and cash flow system that I am a massive fan of because I created it incredibly biased. But it's really about automating all of the things except your food, your fuel, and your fun because you still have to like tap a debit card for those things.

And it just makes sense.

But as you said, if you want another cheeky coffee, it's easy to do because in the back of your mind, you're like, oh, I was pretty good with groceries this week. It doesn't matter too much if I do that. Or if you went over and had a few more splurge items in your groceries, you'd be like, ah, anomal coffee. I'll just have our tea when I get home.

Yeah, And I mean reading your book did make me change my system a little bit.

Oh really, how tell us spill the beans?

It was probably more to do with the like making sure your fixed expenses are split up per pay cycle and audiating that, whereas I was trying to like guess before and being like, oh, I think it'll be like this much a month or that much a month.

I'll tell you stress yourself out.

Yeah, that's how you end up in a pickle.

I had a spreadsheet and it was like it was I was close.

That's more than guess what. That is better than an edge, that's for sure. I like that.

And I think that we've just tobo charged it. We're working together for your cash flow.

I love it absolutely.

All right, let's flip this on its head, money diarist, what's your worst money habit?

You thought about this one a lot, mainly because I didn't have like a gut answer, or if I did, it wasn't one that I thought was like quote unquote valid. I think, if anything, it's that I don't treat myself like I go to work like forty hours a week. We all do. And I don't like spending my money. I think that comes from that anxiety of not knowing whether I'll have enough, which is silly because I didn't

I feel like that's really common, especially given the context you've provided us with around how you grew up around money and that you kind of have carried that as a burden, and the way you compensate for that in a way is to overcompensate when it comes to money and hoard it and not diffuse it when it comes

So definitely treat yourself.

But it sounds like you're learning a little bit because before we started recording, you did say for your birthday, you are getting yourself a nice massage.

And I have made sure that there will be, you know, enough in my little spending account to make sure that happens, because payday is after my birthday.

I hate that when you're like, no, I wanted this nice thing, but I'm gonna have to budget for it a month in advance.

I get paid fortnightly my birthdays on the Tuesday and payday's on the Wednesday on. It's like just that little bit too tight, But that's okay. We'll have enough. Or if not, I could steal a little from my travel fund and put it back when I get paid.

We can replenish that later. That is fine.

You definitely deserve the massage. Yeah, Money Diarist. Last question before we head to a quick break is if we forced you to give yourself a money grade, what would you grade yourself.

I'm probably going to go with, like, I don't really understand the whole pluses and minuses of the grade system.

Ah, you can just make it up, honestly, when I think that's what everybody else does.

We don't fact check it, so we'll go with.

Like a B. I'm not great, but I've definitely improved a lot, but I still think I have a way to go. But I'm like the higher end of the B scale, So like.

A B plus, Yeah, maybe a B plus. We'll give you a B plus. I reckon if that's how it works.

I'm gonna be honest, I don't really know, but let's yeah.

I reckon.

There's a few people listening that are like money Diarist, You've got a really healthy emergency fund saving for a house. Sounds like you've got a budget and cash flow system that is incredibly efficient. They're going to be shaking their phones right now listening to.

You, going like, get it together, you're an a.

I won't argue with you, but I do have a few questions for you. Right after this quick break, all right, diving straight back in Money Diarist, when you wrote into Jess, you explained that you've been going through some stuff at your parents' house and found some notes that you'd left and like kind of like journal entries from when you were little about how you were stressed about money.

And I'd love to know a little bit more about.

That process and how that has affected you in the long term, because Jess said you had was an open heart surgery when you were young. Yeah, oh my gosh. That is a lot of trauma to carry, but obviously created a fair bit of financial burden on your family, given your dad went through a retrenchment to make sure he could hang.

Out with you, which is so special.

But could you tell us a little bit about that period of your life.

Yeah, So, throats that I found were like it was after I heard that I needed another surgery, so I had one when I was born, and then the second one when I was fourteen. But when I was twelve, I started getting sick with the symptoms of my heart condition, and I overheard the doctor telling my parents that I needed extra heart surgery, which my parents had never really spoken to me about because they.

Wanted me to be a happy child.

Exactly like I played rep sport, like I was very fit and healthy, and they didn't really want that burden hanging over me.

It's stressful, and a kid doesn't fully comprehend that, especially if it's a maybe right.

Yeah, right. It could have been in ten years from that point, It could have been two years from that point, It could have been six months from then. Like I wasn't going to know, so my parents didn't tell me. But then when I did hear, I didn't talk to them either, So I kind of compartmentalized and bottled all that up and got a bit stressed. And yeah, I was very much a diary kid. I wrote a lot, and then my dad got retrenched from his job or accepted in the retrenchment.

I guess, can you before you go any further for anyone who doesn't know what a retrenchment is. Can you just explain that for.

Them my understanding, I'll put it out there.

Yeah, is essentially I'll confirm nor deny.

Yeah, thank you. It essentially the business went. We no longer have a role that suits your needs. So you can either take this chunk of money to leave the business, or we can try and fit you in a hole, but it won't necessarily be at the same pay grade or in the same position. That was kind of my understanding of it.

Is not wrong.

Yeah, so it's similar to a redundancy.

Similar to a redundancy, but it's kind of like a negotiation and yeah, okay. Rather it's a bit more in your court about what the outcome is in comparison to a redundancy where they're like, hey, JS, your services are no longer needed because you don't have a job here anymore. Yeah, okay, this is the outcome. It's a bit more in your hands. But in saying that the world is wild, and that doesn't mean that every business treats it in exactly the same way.

I could see though, if that's the case, and if it was a bit in his power to negotiate, why he would have elected to take that to spend more time with you, knowing that you were going to have that surgery.

Yeah, so he actually was one of the ones that sat with me. I have siblings and my mom spent a lot of time with them, but my dad and I are really close and he was probably a better presence to have at the bedside anyway.

At fourteen, I can absolutely attest to that. I used to fight like cat'n dog with my mum, but my dad would walk in and I'd be like, Hi, Dad, love you, right, I was a pet.

I think my mum and I are very similar, so we kind of butt heads a lot. Same that complicates things.

Love you, mum. If you're listening, three that.

Mum doesn't know neither, but like she doesn't know that I'm doing this, but I still love you.

We won't tell her, don't worry, but mine listens. We need to remind her that I love her still.

Hello, Judy.

With your surgery, did you guys have and you may not know this because obviously you were quite young.

Did you have private health?

Were there additional expenses that were incurred as a part of that that then.

Added to the stress that you were experiencing.

So I did have private health insurance, not me personally, but my family. Yeah, and fortunately for us the business that retrenched my father. Part of that was that we were able to keep the corporate private health insurance. Oh incredible, oh money when yeah, absolutely, the fact that he was

And yeah, and it's like really nice that they're being transparent, but I think in those moments sometimes they don't realize the impact of their words.

Like they weren't trying to make you feel guilt or.

Blame, but that's the way you took it because you're young, and you go, well, that's why we can't do other cool things.

It's me Like it was things like oh, well, normally for our birthdays, we get to choose either what we want or where we want to go for dinner if we get to go out, And it was one of those times that Mum was like, look, we can't go out for birthday dinners because obviously that's more expensive than cooking it home most of the time. And she would say like, I'll still cook you whatever you want, but we just can't because we've just had to pay for this.

Yeah.

I ended up getting one of those like hospital beds, you know that like sit up and fold down, so spenno. So that was like they still provided for me. And you know, like, I don't want to say that I'm talking down about my parents at all.

Oh, you're absolutely not. I don't think anyone listening would think that at all. It's like their circumstances were that they were like, we've got this kid, We're looking after them, We're giving.

Them all our resources. Kid.

Do you understand that that's why maybe in other areas we're not able to do it. It wasn't because of you or that they were doing the wrong thing, was actually because they cared to share. Yeah, and I think that's really important too.

Yeah, and I mean I think in hindsight, as much as it was a big stressor for me, I didn't want to take away from my parents. I then became super mindful of what I was spending and what I was asking for. Yeah, but I'm also glad they told me, because otherwise I think I would have been confused. Yeah, confused, frustrated.

And the alternative to that potentially could have been you feel guilty as though they were taking it off you for another reason. If you hadn't comprehended why that was happening, like oh, we had to buy a really expensive hospital bed, you'd be like, yeah, did I do something wrong? Why aren't we going out for birthday dinners? Like? Why have we taken that away? So I think it's important for

Yeah, And I mean I've always been told that I will at some point need another surgery. So that's also just like probably would have been when I was a kid, that little voice in the back of my head being like, yeah, make sure just in case something goes wrong again.

So yeah, Oh my gosh, that's so stressed.

That's okay, that makes a lot of sense.

And I know that there are a couple of other things we want to ask you about from your story, But one more thing for me, I relate to a lot of things you said because I grew up in a single income household, so I totally get that stress. Have you spoken to your mum or your dad since as an adult, because I think the thing that's really interesting is like that Harry Potter book, for example, that you still remember so dearly that she wasn't able to

Totally jokes that you think in Xbox is only five hundred dollars now, Okay.

But have you spoken to her or your dad since then kind of reflected on how they felt as well, or is this something you've kind of held a little close to your chest.

A bit both. I've spoken to my parents about how them talking about their finances affects my I guess level of security, and about how even though I really appreciate that they took care of me and my emotional and my physical needs, I don't think that hearing about their finances is the best for my mental health. Yeah, because it is. It's like, I remember two fights that I've had with my mother, and one of them is about the Harry Potter book. The other is that she didn't

Yeah, Okay, we're getting.

Better at it now. Like they're in a much better financial situation. They're both stably full time employed. They've recently been able to renovate their house, which is really exciting. So we're talking more about that and about you know, how they had to reconsolidate their loans and take out a new mortgage for the renovation. And we're able to have those conversations now, Yeah, but we don't really talk about the before times or.

You know, yeah, the impact that it had on you when you were younger.

Yeah, and I think that's fair, Like it's just a place you don't need to go sometimes.

And like they know that I struggled with it, but they were struggling with it too, and I think there's a lot that I don't know.

Yeah, of course, of course, now there's a.

Lot to that story that they wouldn't have told me. And I was the oldest of us kids. So yeah, I think we've just both agreed that we'll just be more mindful about how we talk about each other's financial situation in the future.

I like that you can have that conversation with your parents though. How many people can say I've had an open, honest conversation about the way I have money conversations in my family, Like no one can say that.

That is so elp.

I love that very very healthy.

Yeah, very healthy, knowing boundaries, understanding them, and also just respecting them.

Like, what is that about? I love that.

So the other big thing I guess that you touched on before money, dirist, is that you paid off your car because you received a lump some payment following being a victim of a crime, which really, disappointingly is more common,

Yeah, So, while I was on placement as a student nurse, I went out with some friends one night and was a I am a survivor of sexual assault, which happened when I was out that night, And part of that process when you are sexually assaulted is you can get referred to a sexual assault support service, which is based out of kind of the big metropolitan hospitals in the regions.

Is wow, great, that's so rare, Like I am so happy that that was the situation for you, But for a lot of people who are like, oh, I was in that situation, for them to plead guilty and actually get to the stage of court like that is so rare.

Yeah, And I mean, I'm going to say I was fortunate, but that's probably not.

The You're not fortunate. We won't be using that word, my friend.

No, But I was fortunate that the crime was on tape, so it was caught by so there was no ifs ands or butts about it. The only thing I had to do was identify the people involved.

Who it was, and then deal with the trauma that your experience. Because you said before that that money is there for what you need it, and I'm really glad that that fund didn't have any I guess caveats and what you could use it for, because when you're a victim of something like that, or when you're involved in any kind of personal tragedy, I think people who haven't experienced it might underestimate the impact that that could have on your ability to just do simple day to day things.

Like, Yeah, at the time, I worked at as what we call an assistant in nursing, so it's like you're not registered, but you go and you do like the bed baths and you keep patients company and you know, help out with mobilization and stuff like that. Yeah, but I wasn't in the right head.

Space to go, absolutely not.

So some of that money went towards kind of covering my bills and things like that, the therapy that I was going to as well. When I did feel better to go back and finish that placement, it was a rural and remote placement, so I used the money to pay for a single accommodation.

Oh good.

The time that I went, I was staying in a hostel and that kind of crowded culture wasn't something that I was quite ready for after the assault.

No, absolutely not, So I.

Paid for a hotel room with the money, and then yeah, what I had left over, I went, what will make me less stressed right now?

No debt?

Yeah exactly, so I could use all my mental energy on kind of working through that event and getting back to graduating, and my life after that was all over back.

To where it should have been. Yeah, exactly.

What incredible clarity from you in that moment to be able to step back and say this is what I need right now and that's okay. You are incredibly impressive and so strong, and thank you for sharing that with us, like that's a big thing to share. And I'm so grateful that you were really candid with us in our community because we know the statistics say it's so much more common than it ever should be, and it's really

Yeah, I mean they talk about the percentage and the people that go through this, and you don't really want to be part of the percent but at least you know that our country has a lot of free and financial support for victims that have gone through these sort of things, and some of the therapy was free. So I guess to anyone that's listening and that has gone through that and is struggling to access mental health care, it could be something to look into.

And we'll definitely pop some resources in the show notes for anybody who needs to access that for themselves or for somebody that they love absolutely.

Thank you for sharing that. Unfortunately, I do.

Think that that is all we have time for today. So thank you for taking the time and yeah, hanging out with us and sharing some really intimate details about your life and your finances and your history and how you've gotten to be where you are today. I know our community absolutely appreciates it.

Thank you for having me.

If I shared on shees on the money is generally nature and does not consider your individual circumstances. She's on the Money exists purely for educational purposes and should not be relied upon to make an investment or a financial decision. And we promise Victoria Divine isn't authorized representative of Infocused Securities Australia Proprietary Limited a b N four seven oh nine seven seven nine seven O four nine a F s L two three six five two three