Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr
the Order Kernye Whoalbury and a waddery woman. And before we get started on She's On the Money podcast, I would like to acknowledge the traditional custodians of the land of which this podcast is recorded on a wondery country, acknowledging the elders, the ancestors and the next generation coming through as this podcast is about connecting, empowering, knowledge sharing and the storytelling of you to make a difference for today and lasting impact for tomorrow.
Let's get into it.
She's on the Money, She's on the Money.
Hello, and welcome to She's on Them the podcast and millennials who want financial freedom. Welcome back to another one of our money diaries. My favorite episode of the week, if I do say so, where I get the absolute privilege of talking to one of our incredible Shees on the Money community members all about their journey. Let's jump straight into it because I got an email this week and it sounded exactly like this.
Hi Ve.
After growing up with a financially irresponsible and manipulative father, I found myself homeless between the ages of twenty to twenty two. This was due to wanting to distance myself from my dad. But the good news is I have flipped my life around and independently bought my first unit at twenty five. I'm now working in mental health and would love to share my story with the community. Money Diarist, Yes, oh my gosh, I'm so proud of you. Are you proud of you?
I am? Yeah, it doesn't feel real. I have to pinch myself sometimes to be like, what is happening?
Imagine like the flip from homeless too, literally owning your own unit? What in the wizard? I can't wait to learn more? Should we get into it?
We shall?
Okay? As always, I ask the same question first, money dos If I asked you to give your money habits a grade from A through to S, what would you grade them?
I would say A big plus moving towards an A, like I've got plans in place to get to an A.
Oh I love this all right. I feel like you've got a story that we are going to be so privileged to hear. So let's dive into it. Can you tell me a little bit more about your money story?
Yeah? So obviously it starts at home. I am one of twelve, one of twelve. Yeah, I've got eleven siblings, so family tree is very messy. I've got five biological siblings, three step and four half, so there's like different marriages and there different parents. But I knew everyone from the age of five and for as long as I can remember, I spent one week at mom's, one week at and so there were two very different money stories at each house.
At my mom's house, she was always pretty financially stable. She lived very well within her means and was good at prioritizing what needed money to be spent on, so we never had anything extra because she had six kids, so obviously that's a lot to support.
That's so many minis.
Yeah, we'd be able to go on school camps, but we wouldn't have internet, so she was good at making sure that we were all quite well looked after. Thankfully.
Oh I love her.
Yeah, she did the best that she could with what she had at the time, and she owned her own home. She lived an hour from my high school. So as I got older, I started going less and less and spending more time at my dad's house. And at my dad's house, it was the complete opposite. He always lived completely outside of his means and was financially manipulative.
That's so like black and white as well, Like they're so different in experiences, Like having a mom like that and then having a d like that would have been so confusing.
Yeah, especially when you're younger, because you don't understand manipulation at or and you don't understand the power of money, I guess, and how it can be used to control people. But he owned the family business. Whatever he said went really And I had a stepmum at this point, and she was great. She would always make sure that we
were well looked after. And his argument was that she was better at looking after people and he was better at finances, and so she had no access to family finances and he would give her an allowance.
No.
Yeah, I'm not gonna say way back then because it's
not that long ago. But I feel like if you've never really been taught any different and then you have these conversations and people say, well that's how relationships work, you just go, oh, okay, no worries, like because in the moment it doesn't feel like that big of a like ask and like I could totally gaslight someone into believing that me giving them a like an allowance is a good idea totally, Like, and I don't mean that in a way I ever would like you just go, oh,
I could definitely like be like no money diarist, Like it's actually better to do it this way because then will always be financially comfortable and you know what you can spend, and like there's definitely ways around it. I feel like so many times people hear these stories and they're like, well, that's ridiculous, and you're like, you need to think a little bit more deeply about this.
Yeah, especially when you're worried about family as well. Like she, even though she was my stepmom, she really like adopted all of us as her own kids. So she never wanted to leave because she was like, I care so much for these kids, and she had children with him, and she really wanted to make sure that this dynamic really worked.
What a honey.
Yeah, he would give her money and expect her to support the family with that money. Meanwhile, any money outside of that was his money. So it was like his money is his money, and everyone else's money is also his money.
Oh, what's yours is mine and what's mine is mine. I love this for him.
Well, you see, father dumb attack. It did not work out for him whatsoever.
Low key good.
Yeah, And so she would make sure that we did things like after school activities and trying to just make sure that we were happy. And meanwhile he would be spending ridiculous amounts of money on sports cars and flashy things, really trying to look rich and really wanting to have this flashy lifestyle that he could not support.
But he can't even help his kids like ill sir illa.
Yeah, he would complain about how much was being spent on school shoes and things like that. Yeah, it was ridiculous. So he never owned his own home.
Yeah, because he was fake rich exactly.
So we ended up moving into an apartment above the family shop, which was a rastum and so it was a two bedroom you know, and there was I think ten of us living in it at one point.
Oh my gosh.
Yeah. And his argument was that we needed to make sacrifices so that we could save up for a house deposit and one day it would pay off. Okay, we all toughed it out, lived in like this quite uncomfortable situation. But anytime he saved up enough money to buy house, he would just spend it on ridiculous things such as like expensive holidays or things like that, trying to look rich for his rich friends.
That's so yuck. Oh my gosh, like low key, I'm just frustrated at your dad on your book.
Yeah, but again, he told everyone that he knew best and that he was a financial wizard, and none of us knew anything, so we just had to trust him, and everything that he did was for the family anyway.
So oh that's so kind. Yeah, okay, well in that case.
Yeah, so from the age of five, I was always working for any money that I had. It was doing chores around the house to be able to buy chocolate. And when I was twelve, I started working in the family business as well, getting pocket money and things like that. And I'd always have to save up for anything that I wanted to do that wasn't school or one activity. And by the time I was sixteen, I was pretty much the only kid left that was interested in the
family business. So it was really jilled into me that like this is going to be yours. You need to focus on it, you need to help manage it, you need to start doing bookkeeping things like that, and I didn't have any time to think about any other future that I wanted. It was all just family business, family business. And as I started doing the bookkeeping, along with that came with seeing how much debt he was in.
Oh, it's bold of him to like allow you into that space, given how irresponsible he was. Honestly, sometimes men in their audacity confuses me.
I think he thought there was nothing wrong with it. He was like, well, this is just part of being a businessman.
No, it's not by Yeah.
I think he thought that he was really smart for the way that he would evade so many debts and how he managed to make it work. But really I saw that he was just lying to so many people. He was caught evading taxes within the business. He owed tens of thousands of dollars to our food supply to the point that they were don't need to cut the business off, which would mean that the business wouldn't be able to run anymore. He owed money to friends. Yeah, And I think seeing all of that just made me
realize I never wanted to look rich. I never wanted to care for that because I saw how ridiculous it was. I saw that it leads to nothing. It just leads to more debt and embarrassment and having to dodge people. And yeah, so it really taught me that I never wanted credit cards, I never wanted to live outside of my means. I never wanted to owe anyone anything. And
I'm glad for that lesson that it taught me. And so when I was twenty, I got my license, and I decided I had had enough and I didn't want to be around him anymore for the financial aspect, but also for so many other things that were going on as well. So I told everyone that I was going on a camping trip and then I drove sixteen hours away where I had a job lined up in a food truck. And yeah, that was the start of me running away and being for two years.
You said you were going on a camping trip, and you kind of were, but you were lying.
That's just a really long camping trip.
How long did people think you were going for?
I think like a week or two. It was funny. One of our family friends worked in the shop and she saw me packing my bags and she was like, you're not coming back, are you? And I was like, no, I'm not a shuing you, but my family didn't know.
Yeah, which I think obviously you were putting you first and that was like clearly the best and safest way to go about that circumstance. So I'm very proud of you for that. But in that moment when somebody was like you're not coming back, are you? Were you worried that they would I guess dip a dub on you or you like, no, everyone can see how toxic this is. That would make sense.
Everyone could see how toxic it was, especially because we were living at the shop and so all this stuff. Could see the dynamics and whatnot. But everyone was scared of him, like he was good at making shotte were scared of him. So everyone could see how toxic it was. And I wasn't worried that she would tell anyone because we had such a good connection. She didn't know me since I was like two years old.
Oh my heart. And so yeah, baby, you get seen a car drive sixteen hours, you find a job up at a food truck, How did you survive?
So the food truck, it was one that would do events and they just paid me cash in hand. It wasn't a well paying job, but cash is cash, yeah exactly, And so I just became really good at making sure money was stretching. And the people that I worked for I absolutely adored. It was like a little family. They didn't know what was happening back home, but they knew that I was going through something, and they were very understanding if I was having bad mental health days and
things like that. And the work itself wasn't very steady, but yeah, it was something, and I, honestly he was just happy to be free and to be doing my own thing and to not be under anyone's thumb anymore, and to be figuring out how to do things for myself. Yeah, And so it stuck out for so long. I will say as well, lots of people don't know that most homeless people aren't visibly homeless. It's under ten percent of people are love sleepers.
Yeah, it's not people just sleeping on the streets.
Yeah exactly. And women are also less likely to reach out for help because of the stigma around it, fears of safety, yeah, and also the hyperindependence that comes with dealing with all of that trauma.
We also just don't want other people to see our struggles, so we're more likely to hide it from people, which are so you got pretty good at So, yeah, the people that surrounded you, the people you worked for, did they know you were homeless? What did they think?
Because they went around to events, I would travel along with them, and they knew that I wasn't like living anywhere stably. But I don't know. I think that they were just like, okay, like you're capable, you're doing your thing. I don't know, they never really worry too much about it. They're very non judgmental.
That And I'm glad you found that because that's exactly what you needed at that point in time. So were you just living out of your car or were you actually camping?
Like?
Is there any truth to the camping story?
My friend, there is there is. So I was looking at my car and I also had a tent, and so I would travel to an event work that and I would camp there like on site because it was like a camping space. And then in between events, I would just go to the nearest forest. I would look up free campsites and then just camp there and do my thing. I had like a guest over had a jug of water as good.
Oh my gosh, how were you managing safety? I think that's the first thing that comes into my mind, Like, you know, at the end of the day, like, if you want to camp, go for it. But like, I don't even know that i'd feel comfortable going camping on my own, let alone doing it for two years. How are you looking after yourself making sure that you were okay?
So there were times I was with friends that would also work these events and we would camp together, but I also was in the mental state of my home wasn't safe for so long, and so what's the worst that can happen out here? Like the worst can happen at home, So I'm safer by myself out here.
That breaks my heart because obviously that's showing my privilege to be like, oh, like I would feel so unsafe, and you're like, Victoria, do you know how unsafe my house was? Like it's better to be alone in a forest, And it just it makes me want to wrap you up and be like, I'm so sorry you had to go through that, But like I can also see how stoic you are. I'm like, oh, she's a cool human, Like she's been through some stuff, but she's going to
know a million more things than I do. About life and how to live.
So just different things.
Yeah, but like you just I love it. I love meeting people who have diverse experience to me. But tell me now, because you've gone from we're talking about I guess the ages of twenty to twenty two with you at the moment, how did all of that, I guess come to an end? You still working for the food truck company. Like, tell me about life? How did it progress?
It progressed through COVID Actually, so, as I said, I'd not gotten any support through that time. And then when I was twenty two, COVID hit and I had to think about where I wanted to be for that time, and so I decided to come back to my wind because that's where my main support network was, and for the first time, I access center Link. The funny thing with sendl link is you have to have an address
to get something. So I couldn't get it while I was homeless because I didn't have a stable place that I was living.
What the heck? That's like the worst kick you while you're down moment. It's like, I actually need scent Link so I can get a house, and they're like, we'll get a house and we'll give you send a link.
Yeah, exactly, And so I started renting a place and obviously settlink at that moment got increased so much and it was the most stable income I'd had, and it was the first time in years that I had a house and I felt safe and I felt safe, and I finally had time to be like, Okay, like, what is it that I want to do into the future, you know, in five years time, where do I see myself going? And I knew that the lifestyle that I had then wasn't long term, Like I wasn't going to be able to do that.
Yeah, it's not sustainable.
Yeah. So I had time to reflect and I realized that I love helping people, and so I decided to study community services yep, And so I started studying that. While I was studying, I was also volunteering in child protection. Again, having so much lived experience, I wanted to help other people that were going through that, and so I was doing a living role that was unpaid, but I lived with two sixteen year old girls that also didn't feel safe living at home.
So you're such a special human.
Aha, thank you. Yeah. I think just having the experience that I did and knowing what it's like to be in that situation. I want to help others that would be in that situation having been on the other end of it and showing them it was possible. And so while I was volunteering in that, I wasn't paying any rent or bills because it was again a volunteer posiition money win. So that helped me save up to pay off my UNI as well as I build a bit more with savings behind me.
How long did it take you to do your studies?
Sorry, it was only a certificate, so it took a year.
Yeah, good work, So.
Yeah, I did a year and then yeah, I started working in disability support and realizing that I worked best with people with mental health because that's where I had the most experience. I know here I am.
I'm so impressed at the start, I said, are you proud of yourself? Well, obviously after going through all of that and now you've lived your life around, you're working in a space that you love. Where's the house come in? How did you buy your own unit? So you were saving up. I'm going to need some more information on that, because the idea that you can go from homeless at twenty two to buying your first unit at twenty five is wild because it takes some people ten plus years to save a deposit.
It actually only took me a year to save.
It's because you're a genius. Yeah, okay, so sorry, But like I'll get into like that when we talk about debt, But was that something you ever first saw in your future? Like, oh, yep, do you know what, in a couple of years, I'm just going to own my own house.
I never saw myself owning my own house. I actually wanted to buy land and not my house. But to be able to buy land, I needed to first buy a house. Yeah, to get out of the rent cycle. Yeah, I didn't think that it would happen as quickly, but I also didn't think that it wasn't not possible as well. I try not to give myself limiting beliefs.
I can see that, and I really like that. So tell me a bit more about this not having limiting beliefs, because one that's really special. It's something that we are always like jumping up and down about. Its cheese on the money, but so many people have How have you gone through such adversity and still have this no no, No. If I want something to happen, like I'm young, I have the ability, I'm going to get it done. Like, can you please share your wisdom?
Yeah? I think my stepmom was a big inspiration for that, because when we were growing up, it was never like, oh, we can't afford that. It was always Okay, let's figure out how we can make that work. And if you want that, you're going to have to sacrifice something else, so weigh up your options, and she really dug that
into us. So I think having that and then also running away and seeing how I could live independently with so little for two years really showed me what I am capable of because I never thought that I'd be able to do that when I was younger.
I'm obsessed.
Yeah, and I was just like, you know what, I can do anything?
Actually, you absolutely can, and I adore it all right, So tell me now, what is your job description and how much money do you earn?
So I work for myself, so I guess the self appointed title is independent mental health support worker. And then the hours fluctuate a lot, again working for myself, but last year I made just over one hundred k before deductions.
No, you didn't. Yeah, oh my gosh, what a queen.
Yeah, I think being so good at my job, a lot of my clients want to work more and more with me, so it just kind of snowballed. It was like I had one client and then they referred me on to someone else, and then they all wanted me to work as much as I could for them.
Things happen to good people.
My love.
It's also a job that I love so much, so it's quite easy for me to work a lot because it's really just me going over and helping people. And then this year I'm on track to make one hundred and fifty k after deduction. What Yeah, did.
You ever think that this was going to be a thing. Like from having a little guest stove finding free camping spots to being like, oh well, actually this year I'm earning one hundred and fifty grand. Like, do you know how proud passed you is of like current you?
She's like screaming, Yeah, I'm very big on journaling. Quite often, I'm like, damn, younger me would be bamboozled by what is happening right now.
You're like the older sibling that younger you needed, And I love that. I love it so much. So you've bought your first unit. What are your current big money goals? What are you working towards right now?
I think it comes in steps. So, as I said, I want to eventually buy land and kind of live off the grid with that and be a bit more financially independent, meaning that I won't have to work as much as I am right now. I won't have to be earning one hundred k a year to be able to support that lifestyle. So to get there, my big money gold moment is renovate my house, which I'm in the middle of doing.
Oh exciting.
I've got a lot of family members that are good with ideas for renovations, so yes, that's under way, as well as then knocking down a bit of my mortgage.
I love that so much. All right, let's go to a really quick break because I have one million and one questions for you that I sadly I'm not going to all in this episode. Let's go to a really quick break and on the flip side, we can have a chat about investment and the debt that you've taken on for this property and your good and bad money habits. So guys, don't go anywhere money, Diarist. We are back, and I am so insanely proud of you, like it makes me so happy to know that you are thriving.
Can I ask you now? Do you invest? If so, what are you investing in? If not, do you have a plan to invest?
I do have quite a few investments.
Why am I not surprised?
I feel like the first two you're not gonna love.
That's okay, there's no judgment in this house.
So the first one is my super?
What do you mean I'm not gonna love?
Just give me a second. I feel like you're not gonna love it. So keep in mind that I did work hash in hand yeap a lot, and then I was studying and then working for myself. My supers only at fifteen hundred dollars.
That's a right.
I looked into it, and my dad never paid my super while I was working with that.
Why are we not surprised? How did that?
Yeah? I'm not surprised whatsoever. But I have plans this year. After I saved up for the deposit and got the house, I am now putting away a portion of my income to pay myself super. I'm hoping to pay about fifteen grand this year into Super, just to really boost it up.
When you say I'm not going to like that, I could not care less. You just showed me in that thirty seconds that you know more about your superannuation than
fifty percent of the Australians on this earth. Right, so many people could not tell me how much they have in super when they were last paid Super, if they've ever missed anything out, Like being on top of it is so much more important right now than having heaps of money in there, And like for every experience you've been through, like makes sense that you don't have Super their huh, and you're still a baby, Like, let's be honest, you are so young, you have so much time, and
you just told me earlier that you're on track to make one hundred and fifty grand. You clearly have your head screwed on. I don't think that that's going to impact your retirement at all. Like, and you know it right, like you already know you're like via, I've got a plan and that's what I want to hear. So do I like it?
No?
I love it.
I think I just didn't love how small it was because I know how much I've worked.
It's frustrating, isn't it. Yeah, I will get that exactly. So tell me about more stuff that you think I'm not gonna like.
The next one is I have eight thousand dollars in crypto?
Oh yes, okay, tell me how did this happen? I was dating a boy Oh it always starts that way.
Who convinced me it was a good idea?
Honestly, if you took me back to being twenty two to twenty three, my ex boyfriend made a lot of money in crypto. So when people like, did you know heaps of people make money, I'm like, yeah, and I broke up with someone who did, which was like, obviously bad financial decision, but great life decision. But you look at it and go, oh, no, people can make money in it, and I mean, if you've got a boyfriend,
that's like leading you down a garden path. Sorry, but I would have done it too, like, no judgment.
So I made money and then lost a lot of money. So even though I have eight thousand in it at the moment, I've actually lost compared to what I put into it.
No, so what's your plan with it? Are you're just going to sit on it for a while.
Yeah, I moved it all into bitcoin because that is a lot more stable than all the other random ones. Eyes in and I'm just letting it sit there and do its thing. Eventually I'll take it out. I do want to move it into other things, but I don't know.
So you's got a plan. I love this again, no judgment, who cares. I just love that you know where all your money is at, and that is power and that's what we are going for. So what's this one that you were saying that you think I will like?
So, I've got all up I think three thousand dollars roughly in others jazz and ETSS through different platforms.
So like we could reframe this and be like, actually I have double the amount invested outside Super, then I do inside Super, and then we could leave it at that. Isn't that cool?
It is? Yeah? I like that reframing.
Yeah, well, you obviously work in the space too. Reframing is incredibly important. But it's one of those things where I just go it sounds like your low keys still being a little bit harsh on yourself. You're like, oh it's not that good, and I'm like, I'm sorry you own your own unit. You are twenty five. You have absolutely slayd life. Your mindset is so clear, you know your goals, like, there is not one thing wrong with this story right now, for me, tell me a bit
more about the debts. So you recently purchased your first unit, which is so exciting. How much did it cost you? How much debt have you taken on from that? And also do you have any other debts?
The house is my only debt. I paid off my car and UNI up front, never had credit cards or anything.
Wheel is she, Oh, just paid for my car and my UNI up front, No, biggie.
Yeah, Well, I'm very good at choosing the cheap option thankfully, and again not going outside of my means. So really looked at what I could afford. And yeah, but with the house. So it was three ninety and I've got three forty zeroing on it, which is at six point four percent. I do consider the house to be an investment as well. I know that typically you don't think of houses as investments if you live in it, but I'm renovating it into a three bedroom. Obviously I only
take up one room. My friend is renting from me. She pays six hundred dollars a month, which I put back into renovating it. And in the future I do want to rent it out as a three bedroom house or unit. So yeah, I do see it as a debt and an investment at the same time.
But also it's technically not your family home. So we always say your family home is not an investment, not any property you live in, because right now you're living in it to put it in a better position to rent it out. And what you just told me is house cost me three ninety it's currently got three forty on a mortgage. Yeah, the mortgage is pretty high at the moment, but like that is life, unfortunately. But you've got forty grand inequity sligh Yeah money we in yeah
money ween, Like that's so good. And obviously you've got some positive cash flow coming in that's helping you with the mortgage and helping you renovate it. And a renovated place is probably going to lease for more than a two bedroom place.
Right after looking at other houses in the area that of the same size, it's expected to be at least like fifty kre once it's start.
That is very good. Your rental yield. I cannot do rental yield for the life of me off the top of my head, but if I could, I know that's good. Yeah, that is adore. Oh my gosh, I feel like we all have so much to learn from you. So tell me what is your best money habit. You can give us more than one, like I want all of them.
I think the number one is definitely allowing myself to believe that I don't have to spend money to have fun. The more money that I started making, I would just say that because I'm so happy with the lifestyle that I was living already that I didn't feel like I needed to add money to it to continue enjoying it. So I still love camping. I will still go out
for a weekend and do that. Instead of you know, spending lots of money on fancy dinners and things like that, I buy secondhand everything, so rather than.
Going to like the shops and stuff.
Yeah, I'll just go to shops and still go on shopping sprees definitely and buy things that I don't need. But it cost three dollars instead of thirty.
But that is okay. It is much cheaper and also there's low key something so gratifying about finding it cheap in an op shop and you're like, I love this and it was cheap money.
Win.
I feel like, yeah. Automatically, if I've bought something secondhand and someone compliments it, I'm like, yeah, okay, well I got it on Facebook Marketplace. Like there was this dining table that I was obsessed with getting, and then I realized how much it was and I just said to
my husband, it's not gonna happen. Like I picked up something basically identical on Facebook Marketplace, and now whenever someone says, oh, your dining table's nice, I like give them a lecture on how good Facebook Marketplace is and they're just so sick of my stuff and I don't even care. I'm like, this is so good. We are not compromising, guys. Just buy it secondhand.
Yeah. Oh, even if you find something secondhand that isn't quite what you want, figure out how to DII to make it what you want, so painted or add things, get rid of things. Yeah. I don't think I've bought new anything for the house at all.
I love that I'm obsessed. How good. I don't think you're going to have any But do you have any bad money?
Habits I do. So while I tell myself that I don't need to spend money to have fun, I've learned that I need to hide my money from myself to stop spur at the moment spending okay, same, yeah, because I love saying yes to experiences as so friends are like, oh, let's go to this festival, let's this thing. I'm very good at being like okay, sure. Or I will book a holiday without thinking about how much it will actually cost.
So I need to tell myself that I have less money than I do, so I put it in accounts that I can't see. But if it's not in that account, I will spend it.
Just be a little bit tap happy. You're like, oh, we can head back down to the op shop again today. We're going to have a really great Saturday. Like I'm not spending much. But then you realize you've gone to the op shop like three times in a week, and you're like maybe not.
Yeah, And also I don't actually wear any of those clothes.
Oh yeah, See that's not that helpful. But circular economy, you can redonate it.
Yeah. I see it as renting from the op shop because I buy it from that and it's going to eventually go back there.
Oh, I like this, see a circular economy.
Yeah, And then I would say another bad habit that I have is being a little bit careless with my money in terms of lending it to people. I've learned a few too many times that lending money to friends does not work out, and then having to chase things up and it's fun.
I have a life motto, and I'm very grateful and as I'm sure you are as well to be in a physician where I can lend out money if I need to, but like, if someone ever needs to lend money from me, I'm very much in the mindset of it's a gift. I don't expect it back. If it comes back, that's fantastic, But I don't really want to ruin a friendship over like chasing it up. And if it's too much money that I would have to chase it up, I'm like, oh, I probably shouldn't be lending
it out to begin with. It's a hard mindset shift, but I had to implement it in my life and it just made it a lot easier. But I do think it is a very kind and very generous personality. Trait to have, and it's not something that I want
to lose, if that makes sense. I'm kind of like, I kind of like being that person that people trust to tell me about, you know, the fact that they're vulnerable or you know, not in the best position, or need something that they're not comfy asking somebody else about. And I'm sure that you're in that position too, where you're just like, I don't really want to change that.
I would, you know, obviously love the money to stay in my account, and this is just a hassle, But I think it's a reflection of the kind human being that you are, and let's not change that.
Yeah, I am glad that I still have that, and I'm glad that people do feel comfortable opening up to me about it, and I'm glad that I'm in a position to be able to help people. There's definitely been times where I've been in positions where other people have helped me. But I think I just need to reflect.
More on that, be a little bit more restrictive.
Yeah, I think sometimes if you lend people that money a lot, it.
Can create a nas cycle.
Yeah, Like it's not teaching them to have good money habits. I think because I've had some people in my life that they have felt too comfortable, I think asking for money knowing that I will say yes.
Oh, And it gives me the ick when that happens, because I'm like, now I feel like this relationship is being taken advantage of and I just wanted to enjoy your company and now it doesn't feel that way. And they text you and You're just like, I bet they're asking for a hundred bucks.
Yeah, but also like I feel like I'm not helping them foster a good relationship with money because maybe they do need to learn. Okay, no, I do only have one hundred dollars left. How am I going to make that work?
But also, as you should know in the space that you're in, other people's decisions are not your responsibility. You can guide them, but it is not your job to teach them.
Yeah.
I think it's kind, but oh, I have adored this money direst At the start of the show, you said, I reckon, I'm a B plus I'm definitely moving towards an A. Why did you say that you were moving towards an A and what does that look like? And when do you think you're going to achieve that.
So I do still think that I'm moving towards an A, and I think to get there, I want to be a bit more responsible. Now that I have a mortgage, I want to look into getting income protection because I do work for myself. If something happens and I can't work for a month or so, I want to make sure that my bills are looked after, and then also reinvesting that crypto into something else. I think that's what it would take for me to get to an A. It's just be a bit more on top of my responsibilities.
My favorite part about that is that's so easy, and you're quite clearly already thinking about it, and you're already on track. Sometimes we talk to people and they're like, oh, well, i'd have to completely change this and this, and you know it actually have to start doing a budget and saving and you know all of those things are perfect for where they're at. But you go, yep, you're right, that's a lot of work. But you can absolutely do it.
I believe that you can. Whereas you've just got like a few small like tickbox items like I can set you up with Skywealth tomorrow to organize your income protection and you know when it comes to just being better with like paying off your mortgage. That's just a small plan, a few tweaks, especially where you're sitting right now, So that's so exciting.
Yeah, it's just a few small things, and then I feel like I'm that we is going.
I adore it. So what's next, money Diarist? What does the future look like? You're going to move out to a big block of land and kind of live off the grid or like, where do you see yourself in the next ten, twenty, even thirty years.
Yeah, I want to buy a big block of land that multiple people can come and live on, so friends and family and just kind of live a lot more simply, I guess live away from the city. I grew up in the city and I like it here, but I would like a simpler lifestyle. But I do so want to work within the sector. I do really love caring for my community.
You're such a wholesome human being and it makes my heart so happy to know that not only are in the community, but like you've shared your story with our community and they get to learn from you, and they're probably listening to this being like fire out that money direst is so kind and so generous, an so so inspirational, like literally having gone from being twenty and homeless, Like the courage and the tenacity it would take to pack up your car and literally lie to your friends and
family to be like, oh, I'm just going on a camping trip, but you had like this grand plan in the background to be like I'm never going back there, Catcher, Like, I'm just I'm in awe of your ability to facilitate that, because I think a lot of people in circumstances like yours, or circumstances that were like yours, often don't find that motivation to leave or you know, put themselves first. Like so many times, especially as women, we just don't advocate
for ourselves. Weinger, well, that's how it is, Like, you know, I need to stay around for X, Y or Z, or if I leave, I don't have any backup, and like obviously having a father who is manipulative, especially financially,
that would make it so much harder. But like I look at it and go, holy heck, this woman is a powerhouse and we have learnt so much in just this short But thank you for all that you do and for the advocating you do for other women and the work you do in mental health, like it is so special and so necessary, and I'm just I'm just really grateful to have met you. So thank you. When you have that big block of land, can I please come camp?
You can?
Yeah, there might even be a little hut somewhere for you.
Yes, how cute? I love it. Well, Money Diarist, thank you so much. I'm so grateful and also just so proud to share you with our community. I know that they're going to love you as much as I have.
Yeah.
No, thank you for the opportunity to come speak with you guys, and again, thank you for building such a loving and supportive community where everyone's just uplifting each other all the time.
That's the plan, my love, Keep on keeping on.
The advice shared on She's on the Money is general in 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. All fineinancial decision. If you do choose to buy a financial product, read the PDS TMD and obtain appropriate financial advice tailored towards
your needs. Victoria Divine and she's on the money. Are authorized representatives of money sherper p t y lt D A b N three two one six four nine two seven seven zero eight afs L four five one two eight nine