Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr
the Order Kerni 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 Is on the Money, the podcast a millennials who want financial freedom. Welcome back to another one of our money diaries, where this week there is a little bit of a twist. Instead of having an anonymous money diary, I'm bringing you what I'm gonna call celeb money Diaries. Not that our guest this week is a celeb Like, we're just stretching it because she's gonna be one day. I'd like to introduce you to my internet friend, R and B artist and content creator
Hannah Sance. Hannah, Welcome to the show.
Hello, thank you for having me.
I am so excited about this. This is our first like public money diary where people can go and follow you and see what you're up to. But one of the things that instantly drew me to your content one before you started doing any type of budgeting content, was that you're an epic R and B artist, Like I have been following you for so long and vice versa.
I think because the other day I was looking at like an old post trying to find some engagement stats and I was like, oh, that's I'm like sixty eight weeks ago, and Hannah's commenting that's me.
I was trolling that she's on the money posts ages ago. I like it.
I appreciate it, and thank you for trolling them in a really kind way, like it was never like, you know, actual troll content. But Hannah, your TikTok bio says you used to be average, but you're trying to be better and the content that you create is really around money and music and lifestyle. And you've recently gone viral a few times and been picked up by the likes of the Daily Mail, which can be good and can be bad. Let's be honest, because you are so brutally honest about
your budgeting. Tell me why you started creating content like this?
Oh?
I love this. In this season, I'm just obsessed with speaking about money, so I'm just like so excited for this conversation.
Same girl, Welcome to the show.
Yeah, I feel bad. Why did I start creating content like this? I saw something on my for you page that was a what I spend in a week and it was by a TikTok creator Ella McGrath I think her name is. I love her content, and I was so incredibly triggered and I was just like, I remember hearing my internal voice just be like I would never ever share what I spend my money on on the internet. But then you did. Though. Immediately I clocked that, and I was like, that is interesting. I don't have that
feeling about many things. And I was like, well, that's exactly what I'm going to do. And it was like the next day I started planning, Like it took me a little while to plan how I was going to execute it, but I was like, this is something I'm going to do.
I love it because it's not just oh, here's how a budget works, and I feel like so many times when I see content creators online creating budget content, I don't know how to articulate this without offending anyone. And you and Ella are great at being transparent, but there seems to be this really aspirational vibe from their content where a lot of people might look at it and go, oh, they are actually like obviously they're sharing their budget because
they're really good at it. Like, oh, they're obviously sharing their budget because they're a really high income earner and you know they can afford for oat lata a day and that seems really fair, and you kind of go, well, how have you found this balance? I suppose of just being like, nah, let's be real. It's me. I'm Hannah, I have a husband, I have a beautiful son, and you know this is what we spend and this month, like we didn't save and we had a really great time.
How has that content shaped the type of following that you've gained since then? Like is it all about being transparent? Are you now empowered by it? Or are you like far out? I wish I didn't share that, So I.
Am so empowered by it. I think a big thing and this obviously ties so much into like my money story. When I grew up, my family had a lot of secrecy and shame around money or it was just something that was argued about. So it was just like, Okay, cool money equals problems. So when I grew up to be an adult and have my own money, I just had no concept on being sensible with that money. It
was such an uncomfortable relationship with money. So I feel like I started to notice, especially after becoming a mum, other moms I would talk to, like I don't know which is people I was speaking to, but there's just a lot of secrecy and a lot of like, you know, people holding back when speaking about money. And I just thought this could be so empowering, Like if I saw this content five years ago, oh my god, like I would feel so empowered and so seen. And that was
exactly the feedback I got. People are messaging me just being like I feel so seen by your content with your budgeting, like and people stop me on the street They're like, oh my god, I love your budgeting content. I'm like, never did I ever one think I'd be known for budgeting. Secondly, be on a finance podcast like this is someone who's you know, habitually told myself I'm bad with money, So it's like, literally, who is she?
So tell me a bit about who you used to be. I suppose in your TikTok buyo you say used to be average, but I'm trying to be better. What does used to be average even mean?
So this is a preface for a lot of my content in the direction I'm going at the moment. Because I was like that notorious party girl, terrible with money, and upon reflection, like my early twenties, mid twenties was a lot of self discovery but kind of catapultar Like my parents split up when I was in year twelve, so about twenty twelve, and then my dad passed away sadly in twenty seventeen. So I was very like fiercely independent. Like in my early twenties, I was living abroad and
things like that. I had such negative habits like with money, with lifestyle, with food, with alcohol, and a few years ago when I met my beautiful partner, he was like a really big turning point for me and we both were just like life can be so much better than this, you know what I mean? One hundred percent just exercise, money, food.
It's funny like twenty twenty, we went so bad the same time, we started being hyper aware of like how we spent our money and how our money behaviors impacted our happiness.
I love that.
It was like this big, just momentous ball that kept growing and we just started being better across the board, and I'm like, wow, our life is so much better now.
Obviously you went through a series of traumas for that, but often you find that it's one party in a relationship who wants to go down that route and the other's like, oh you doing babe, Like this isn't us. How were you so on the same page about this.
He's Brazilian, so he's just different to Australian men that I've been with. But he was just immediately like I can't wait to be a father. He has these really traditional Brazilian Catholic values and having that like stability with something I've never experienced before, and it just maybe want to be better, Like we used to smoke and drink. Like when you look at how much money you're spending on alcohol cigarets, it was like what are we doing?
Like this is crazy? It just made sense I think when I first said to him about like the direction I wanted to go, it was a bit of like, oh, like a bit uncomfortable. Then it was like, this is the obvious choice.
I love it so much. All Right, I'm gonna ask you some of the stereotypical money diary questions because you don't get out of those, you just have to do them publicly. So let's start with grades on money. So what grade would you give your money habits if I asked you to give them a grade from A through to F.
I knew this question was coming, and it's interesting because, like I have consumed so much these other money over the years, it's like quite surreal, like sitting here but also hearing those questions. And when I thought about the question, my initial reaction was a lower grade. Yeah, But then I thought, what do my habits now actually tell us about my money habits now? So I think I would give myself a B minus.
I like that you've really thought about it as well, because I think so many times we just have this underlying assumption of ourselves that we aren't good at money, and that you know, even though you're practicing being good at money, and your budgeting at the moment, it kind of feels a bit like a cosplay. You're like, oh yeah, but I'm just practicing that right now. Deep down I'm not good at it when the reality is like you've changed your reality. So I love the b minus. I
think that is fantastic. Tell me a little bit more about I guess your money story as well. So you've explained that your parents split in grade twelve, which would have been not only traumatic because any parent splitting sucks, but like year twelve is such a pivotal period of time as well to go through. So just upheaving, tell us a little bit more about I guess how you learned about money growing up and then what you're trying to teach your son about money.
Okay, So being a parent now, it's really shone a light on like just how different parenting was for our parents generation. Like everyone has different information accessible to them, but it was a different world in the parenting game.
And I feel like my parents had a lot of conversations around us as kids that I probably wouldn't have around my children, and especially with money, like it was just always a point of arguing or it was like kind of used as you know, a tool, like oh, can I have this thing as a kid, And it's like no, because we've spent the money on X. You know, it's just like not information that you need as a child.
No, And it feels overwhelming, like you just go, oh sorry, dad, Like, oh now I feel like a burden and a child should never feel like a burden.
Oh one hundred percent, you feel guilty. Let's be real. It was really messy and my dad was a a contractor, I guess, like a consultant, so there would be like big influxes of money and then big spendings of money, so they'd be like one like really lavish Christmas and like lots of presents, and then they would be like really tight. They'd be like no money. So it was
just really unstable. So I think I had this association with money that it was not stable, not safe, can't be talked about healthily and just yuck.
Yeah fair, and like that's kind of what you were shown as well. And I think it's so challenging for kids because like you don't conceptualize you know, erratic income, like you can't understand oh well dad just got this really big contract and that makes sense. You just go, why did we have that? Now we don't have that,
Like you feel like you've lost something. And I think that that carries through to adulthood and the way that we spend, and often if we've been through traumatic periods like that, we start spending without a lot of regard because you just go, oh, well, money comes and goes, like we'll probably come into a big bulk amount of it at some point and we'll be fine and I'll pay off that debt. But it's not necessarily true.
I worked since I was like fourteen, and then when I turned eighteen, went stra right to the bank, got a credit card, and went to Europe.
Yep, slay like it's not even a bad thing to talk about. I think it's just I didn't have the level of financial literacy that I want to afford everybody and else. She's on the money community, right, Like I grew up with a dad who was fantastic at money,
like he's an accountant, Like he's brilliant at it. I just look at it and go I wasn't ready to hear what he wanted to share with me, though, And I find that's so interesting because so many times people will say like, oh, yeah, well your dad was an account it makes sense that your financial advice, right, Arahan, I'm like no, Like I think I automatically just bucked at you know, this idea that my parents knew what
they were talking about. Like, you know, I remember crying at the dining table because my dad would be like, you have to do your maths homework or you have to learn your times tables or whatever, and I'd literally be like crying because I didn't want to do it a big you don't know how hard it is. And then I became this adult who needed to get into debt so that I learnt how painful that was so I could get out of debt and now teach others how to stay out of it. And a lot of
people go, don't you regret that? And I go, well, not really, like it's part of my journey and sorry, Dad, still love you, Please don't hate me for this.
I love that.
Sorry I didn't listen.
And that's such a beautiful like time because when I did go to Europe, like, yeah, I had some big years and I had to learn that lesson too. But when I was learning that lesson was right when she's on the money started. Oh, welcome, welcome, And I remember someone at my work just being like, have you listened to that? I started listening and that was like the start of me getting out of debt. And that was the start of everything, like this whole journey, which is like,
when did she'sa on the Money start? What year?
Oh, like twenty eighteen, twenty nineteen depends on whether you were introduced to the podcast or the Facebook group podcast.
Yeah, okay, so twenty nineteen. Wow, Yeah, that was the beginning of it all. So I was like, yeah, about twenty five that was when I started getting out of debt. And that was like just listening to you, having you in my ears and having the community members and you. I think that was the start of such an incredible revolution for millennial Australian women to hear that other people were going through money shit and they're not just like the only one, you know, And that's what it was
for me. And I was like, Okay, I can do this, and I got out of like twenty grand of debt, which was just insane.
Oh my gosh, I love that so much. I adore it. Hannah. We know you're an R and B artist, You're a content creator. You're a mum, but we now need to know the deep nitty gritty what do you technically do for work and how much money are you earning?
Okay, so technically I am a content creator. I have a business where I do content strategy, so I work with business owners and content creators to grow their social medias and it's all kind of under the same umbrella. So I have content strategy, and I'm a content creator, and I do music, and I earn income from all three of those avenues.
That is literally so slay. If we said a percentage breakdown, would you say that, like, content strategy is number one, then your content creator is number two, and music is three.
Yes, that's very accurate at the moment, I would say. So my business is Socially Sands. That's my content strategy business. And it's in its first year officially started in July after I came off maternity leave with my son. It's always changing, but I've estimated this year gross I'll earn about one sixty.
How good is that?
Oh?
Yeah, first year out? Oh, I'll just earn one sixty. What they're hecking? How did you go from being Oh, I'm on Matt leave. You know what I'm going to do come July. I'll start my own business. And it's not just going to be like a small business where I have to sacrifice a lot. How have you gone from being, you know, literally on matt leave to earning approximately one sixty Well.
One of my favorite things to talk about and the way that we connected is TikTok. And I was like so many other millennial women who was just like, I don't get TikTok. It's just people dancing. I don't understand it, Like I'll i'll ever be on there. And when my son was six months old and I was me and I was giving myself the ick, like as an artist, you hear about how transformational TikTok can be for people, and I was like, why am I like this? Like why do I have this limiting belief that I can't
do it? It's because I wasn't really giving it my all. And I've always been working. I was in postpartum on attorney leave, but I have time, yeah, And I decided to go all in on content creation. And I spent like a good few months just figuring out the ins and outs of TikTok and really forming a strategy. Well, last year alone, I've grown to almost fifty thousand followers on TikTok and that's hard to do now, I mean
it is, but there's definitely formulas. And that's why I started my business socially stands because I had so many people coming to me being like, how do you do it? How do you do it? And I was like, I wonder if I can apply this to everyone else, And surely enough I can. And I have worked with so many incredible content creators, moms, business owners, like brand owners, and I'm like, Okay, there's a real thing here of
helping people. So yeah, yeah, I've started working with so many beautiful creators and the demand just grew and grew. Obviously because there's that demand, I guess for people who want to step into that want to grow the audiences, they can't figure it out. I started, and I really like leant in and it just has been kind of insane, Like I feel like even one sixty is like conservative for this year, Like it's a big time.
I love it and I love the growth. Tell us a little bit about what does your husband do and how much on average is he earning to bring to the table for this, like whole budgeting content that you put out.
So my partner is a casual barber. He works four days a week, so he's home with us three days a week and he earns roughly fifty k I.
Just love watching your content. I obviously am about to have my own baby, which is really really fun, and watching your husband be a dad, I'm like, I hope this is what it's like, Gwen Steve becomes a dad, because you can just see how engaged he is in the process and how much love there is in your family. Like it's one of the things that I just really love following you for because I just go, it's not just budgeting, it's not just this, like your lifestyle is
something to be envied. I'm just like, they're always so happy. Like the other day you posted this video of you guys just dancing in the kitchen, and I was like, that's what I want.
I love that. I mean, look, it's definitely not always happy. The relationship after baby is a big shift, and it's a beautiful shift and it's an evolution, but it's definitely not thousand rainbows and smiles all the time. We also don't have a heap of support. Polo's family is obviously in Brazil, and I just don't have much family around, so it's been a real initiation and step up in
our relationship. But I do always try to keep it real with my community as well, because sometimes I'm just like wow, like the mum rage early on, I was like, wow, I've never been so angry. It's okay now, and I don't want to freak you out, but like.
No, I can see it coming for me. I can just see it manifesting.
Oh yeah, the rage was realized, Like okay, And you know that has well connected me with my community because a lot of mums are just like, we don't want to see just esthetic, gorgeous people online all the time, like it's not realistic. Like we want to hear how creators feel after you've had a blout with your partner. How do you feel? What are you working through? What are the steps we're taking? You know, Like it's a
whole beautiful mess. And although sometimes we are gorgeously happy and I feel like we are building out a life that we really value and really desire, sometimes it's difficult as well and messy and ugly.
I love the transparency. I think it's really really important. Tell me a bit more about money, though. I want to know what are your big money goals this year? What are you currently working towards.
So this is a tricky question for me because I'm like, I want to set these big goals, and I have goals that I'm working towards, but I think they're not like tangible things necessarily. I think one of my big goals is we want to have another baby.
Yes, more babies, more off I know.
Look, my partner's Brazilian. Big families are really common in Brazil, and we want a big family. But if I'm going to be in this serious role as my own business owner, I need to have shit sorted up because I need to be able to put myself on attorney leave. I need to know what that looks like. This is just all new for us, you know. So I think a money goal this year is to have like that plan kind of clear of if we're blessed to get pregnant again, how that looks and what that looks like, and how
I can go on mattornity leave. And then I think the big thing there is that my partner wouldn't actually return to work.
Yeah, and I think that that's really beautiful, but it's a compromise that you need to make in order to have the life you want. Right, Like, we're in the middle of working out what this looks like for us, and baby's not here yet, but we'll be very very soon, and my husband's taking the first six months off. And it's strange watching people's responses to that as well, because you know, you're the bread winner in you family at
the moment, and I am as well. And you know, my husband loves his job, like as I'm sure yours does. But you just go, well, what compromise do we need to make to make this work to give our babies the life that we think they deserve. Like I don't want to have them in day care full time. And I'm not saying that's even a bad thing. I just don't want that. Like I might turn around and go
actually change my mind. We're on a daycare wait list anyway, because I'm like, well, what if I after six months my husband doesn't like staying home, Like, I don't want him to feel forced into, you know, a lifestyle that he,
you know, isn't in love with. So I think there's so many moving parts of it, but even just us, like we have been planning this baby since like twenty twenty, and like then we decided, okay, we'll get engaged, then we'll get married, and then once we get married, we'll try and then you know, we obviously had a number of complications along the way and so it didn't work out the way we thought. But we've been budgeting since then to go all right, well Victorian needs to take
time off. That means how are we covering all of our expenses? How are we you know, going to deal with this? How am I going to keep my business up and running during a period of time where I have to step out? I'm the face of the business. How does that work? It is a lot to take.
On, It is and I think I want to say, like, how just cool that is to have that conversation with you and be here and be like, you know, just to hear you say you know, you're the red winner of your family and soul. Am I Like, what an incredible time and how incredible just to be sitting here and having that conversation as well, because this isn't something
I imagine for myself, you know, it's all happening. But I think you're right, Like, there's not that many people having conversations like that, and it is interesting, even with sharing my money so transparently, people have like predetermined ideas about me in my life. It's like, you know, people will be like, wow, how rich are you and like it's interesting. But I think even a few people I have said, are now the entire world that like, you know,
oh yeah my goals like retire my husband. I mean, like it's not like that, but it's just like, I think our life looks so much fuller with me being able to work with like a flexible schedule and him being able to stay home with our babies. And he loves the idea. Like I'm not speaking for him, but it's a really powerful conversation and a really incredible evolution of our family and of your family, and it's just like it's so exciting. I'm just so here for it.
I am also so here for it. I think I just assumed everybody would be so much more like yeah, that just makes sense. But a lot of people like, wait, what's your husband going to do at home? Like what's he going to do? I'm like, why an't we asking this if women like you guys are here saying, oh, are you sure your husband will like that? I'm like, just like your husband, My husband, I think wanted babies the day that we met, Like he would have had babies like way way, way, way, way ago. I have
been the problem, Like I am the issue. I'm the one that's like, look, I actually do really want to get married first. I would really like to buy our first property first. And like every time, he'd just roll his eyes and be like, fine, let's do this and then can I have the baby? Like does that make sense? And I think so many times people look it and go, what's your husband going to do? And I'm like, my
husband is so capable and so kind. The only thing I don't think he's going to be able to do, guys, is breastfeed. And that's fine. Absolutely everything else is going to be covered, Like, that's fine. I'll take the breastfeeding journey on, no worries. I'm just taking one for the team. But people are so confused when you flip that gender narrative and they go, wait, what do you mean You're not planning on spending that much time at home, don't you have to recover, and I'm like, of course, I'll
give my body time to recover. But like I thrive in business, I love my team, I love my work, I love my community, and I just don't want to spend that much time away. If that changes, though, Guys, don't worry. I've got heaps of content banked for you, so you're not going to miss out. Let's go to a really quick break because on the flip side, I have so many more questions for you, Hannah. Guys, don't
go anywhere. All right, we are back with Hannah Sans, who is a gorgeous R and B artist and content creator and mum and business owner and all around hustler. Hannah, I want to know when it comes to investments, are you investing If so in what if not? Do you have a plan?
Oh?
Triggered, No, not meant to be triggering.
I think it's just this journey where I'm like constantly wanting to be better, and I'm like, that is definitely something that I do. I mean, she's on the money, literally taught me about investing. I'd never heard about investing before, and then just going down this like massive run of all the things I think investing in properties is definitely
something that feels aligned for us. We own our home that we're in now, and I think that's what happened when we were kind of going down the road of becoming more financially literate, deciding whether to invest in some investments, and then we got pregnant and decided to try to get into the property market, and that's what we did. But definitely goals is to be investing in the near future.
I adore it, and I think we need to break down this idea that you have to already be investing to be good, Like you have the financial literacy to know what you need and how that works and where you're going. And that's what I want to afford people with not necessarily go all right, well where's your share portfolio, Chop chop, let's get on it. It's more you know when that can fit into your lifestyle. You know when
that's gonna work. Because, as it turns out, Hannah, money's not unlimited, Like you can't just do everything all at once, and when you're creating this journey, it's kind of like there are key milestones along the way and we can't hit them all at one time. Like that's unreasonable and really really unrealistic.
So true.
So tell me about debt. So have you been in debt? You mentioned it before. Are you in debt currently? What does that look like for you?
So? I'm currently in four hundred and fifty thousand dollars of debt with this beautiful home. I've gotten out of personal debt, which is just so wild because there was definitely a time literally for you years ago, where I just could never imagine getting out when you're so under it.
You know, you have twenty thousand dollars and you're like, yeah, two hundred dollars, Like yeah, it's chipping away, but then it does compound and you're like, oh my god, I'm actually going to get out of this, and then like
closing the account. I mean, it feels like an afterthought now, but it was a huge part of my twenties, and that's as well with my content, Like I hope that people who are listening and are on that journey because I just so see you and I so resonate with that feeling of just being like this is me, Like this is just me forever now, you know. Yeah, being out of that feels really good.
I adore that so much. What do you think your best money habits are. I feel like you've got a few nowadays, and I think you should share.
Best money habits now would be since starting this budgeting series, it's like the Chicken and the Egg right, Like the content actually came first. I was like, I want to do this, like content, what does that actually look like? And I realized I had to go through my expenses and track my expenses. So it's like that has been kind of revolutionary for our family, like actually looking where
our money goes. There's a piece of content that went like semi viral in the first week when I was beginning to track our expenses and I realized we were spending seventy dollars a week on eggs.
We eating all these eggs or were throwing them at our arch nemesis, Like how many eggs is that?
Literally, I don't even want to talk about it. Look as I share my content our values, like we really like organic and local food, so we get our food from the local farmer's market. It's organic, it comes with
the price increase. That's just the way it is. We don't really like to eat meat and any animal prodiduce from the supermarket, so it comes with the price increase, and where Fin'm with that, we're adapting our lifestyle to suit that because it's a value of our So eggs ain't cheap, baby, they're like twelve dollars a corton.
Oh my gosh, But what are you doing with all these eggs? Genuinely, I need to know, like are we just eating eggs every day for breakfast? Like you didn't address the fact that I asked you if we're throwing them at our arch nemesis? Like what are we doing with so many eggs? Like take us through the egg consumption in a week.
No arch Nemesis, eggs have been thrown. We do eat a lot of eggs. We have like three eggs each for breakfast. My son has two eggs for breakfast. My son's one and he's Brazilian. Heats a lot.
Yeah, okay, you know that's.
Eight eggs in the morning, dart in one day.
I can't deal with that. That's so many eggs.
My partner bakes, so like you know, he'll bake. He'll cook like a key shore a for Tata that's got a lot of eggs, and then he'll make like a custard that's got ten egg eggs in it.
Yeah, yeah, okay, so you're just eating really well and I'm actually quite envious of it. But I have in my head, like my sister and I talk about this all the time, and this is really rogue and totally not meant to go on the show. But like in my head, I have an egg rule, like I can only consume three eggs a day. So like if I had like two eggs for breakfast on toast, like I
have one egg to spend later on a snack. If you said to me, oh, you had scrambled eggs, well sorry, I know there's probably three eggs in that can't consume eggs for the rest of the day. I don't know where this rule comes from. It can't even be that healthy, because eggs are great for you. But in my head, three eggs, we're done. Like it's just an egg rule. And my sister brought it up.
There's a cap three and you're out.
Yeah yeah, yeah, like three and done. And my sister ages ago brought it up, and I was like, why we like this, Where did this come from? What is this about? Why have we got an egg rule? Maybe it's because they're so expensive. We do not share that rule, We absolutely don't. So what other good money habits do you have now that you didn't have previously?
Circling back like to the tracking expenses, that's just a massive one. It's time consuming, like going back, I mean this and like subtle plug but like I've switched to upbank and like being able to see the breakdown has been so helpful because before I was literally going manually every single week, but we got rid of so many subscriptions, We got rid of so many spendings that just weren't
serving us. I think this is a good habit that I can touch on, which is just like before when I started, there was so much miscellaneous spending, like of stuff that I just couldn't even tell you why we were spending on those. So I think that's a really good money habit. Yeah, I think that's pretty much my good money habits at the moment.
I love it all right, Surely there are some left over, little naughty money habits. What do you think are your worst money habits at this point in time? Is it eggs?
It's not eggs. I'm going to classify that as a good money habit because my gut lady loves me for it. I am gonna say I think that the way that we grow up around money is so deeply rooted in us, and I still have to kind of catch myself with spending large amounts. I think it's a fine line of like, I've never earned this much money in my life, so it's a fine line between when I'm going to spend
something and I'm stopping myself. Is that because I'm scared that it's a bad money habit because I'm like unconsciously spending thinking it's going to come back to me or can I afford this thing? I don't have that self trust yet. I'm trying to figure that out. So it's like that in itself is a bad money habit.
Yeah, are you budgeting for like discretionary things or like
fun money or things to spend on yourself? I feel like as women, especially as we step into this you know, different era of being a parent and a wife, we kind of step back and go, oh, there's not much room for me, Like you'll happily spend it on your husband or you're a child, but you'll never spend it on yourself, Like is that something you're allocating or trying to find a little bit more wiggle room for, or is this something that you're like, no, V, I haven't
really thought about it. This is probably the problem.
Okay. So I love that you touched on this because I don't know what it is about my husband. I'm just obsessed with him and I love spoiling him. He's such a humble beginnings guy, Like he comes from a really small town in Brazil. The first flight he ever got on was to Australia when he was like in his late twenties.
Can we decide, no, how did you meet? Because I love love?
Okay, we love love. I used to manage a hospitality and events business in Brisbane and a short walk was a barber shop where there was a coffee shop at the window that where everyone would go and get their coffee. So I'd go there, like multiple times a day and get a coffee and I'd see him cutting hair.
They're sure it was for the coffee.
Well it was in the beginning. And I remember saying to my friend who managed the barber shop, like, what's that guy's deal?
You know?
She was like, no, now he has a girlfriend, you know, And I would kind of give him the eye and he would just like completely shut it down, which now upon reflection, I'm like, green flag, yeah.
Yeah, yeah, one hundred percent green flag, go off king yeah, like you protect your space. I like that.
Literally, he fully called Shotter. And this was years and there was always a little bit of like I'd always see him around like whatever. And then years later covid Era and he popped up on my Tinder.
Oh hello, obviously that girlfriend thinks not a.
Thing, literally, and I was like, okay, you're single, fabulous, messaged his colleagues at the barber shop, being like, hook it up. No you didn't.
You didn't just message you on Tinder. You were like, I'm going deeper, like this has to happen.
Always the side road. So I was like, message his colleagues and I was like, hook it up. I think he thought I was joking, so he never did anything about it.
Why are they so silly? Sometimes I just wonder.
He was literally like ha ha ha ha, I'm like cool. I'm wait literally waiting.
No, no, no, no, no, like this was serious boy, this is love.
And it kind of was just like that, and then we started messaging on Instagram, but because English isn't his first language. I rely heavily on my banter to woo people. Yeah, okay, and he just wasn't picking.
Up what I was putting down. He would have been like, that is so strange. Why did she say that? What a strange lady?
Pardon Like I'd say things that he'd be like, why you say that, And you'd be like, because it's funny, but it's not funny when you make me tell you that it was funny, I'm like, I'm wooing you, sir. Can you not tell I'm wooing you?
Like?
He just didn't get it at all. So then, anyway, months past, my friend was like, you have to just invite him to your house for dinner, like we have to go old school here, like just to see there's a connection. Yeah, great, invited in for dinner, He came for dinner. The rest is history.
I love this so much. I love love. I love that you saw him on Tinder and then you were like, I'm not going down this Tinder route, Like absolutely not. I'm gonna make other people do my work. Yeah, I'm gonna make them involved in my love story. And I mean it worked out for you, so I love this Tinder brings all the good people together.
Oh we're pro Tinder.
Yeah.
I just love spoiling him. So that's definitely something that you're so spot on there, like I do. Like his birthday was in January and I had my biggest cash month of my business in December, so I was like, what do you need baby, Like, let's go and yeah. But I think that I'm okay with spending on myself and actually with my budgeting series. Something I haven't really shared is that that doesn't include money that I put aside for my business expenses. And I'm like, you, like,
I'm a business girl. When I spoil myself, it's on my business. It's like I'm purchasing new stuff for my business. I'm investing in another mental of my business. I'm doing another course of my business, like that's my fun splash, but I'm doing so that's very me coded.
I feel like whenever people are like, what do you treat yourself with, I'm like, please, don't get me wrong, I really love a pedicure. At this point in my life, I actually can't reach my toes, so I've been treating myself to those more regularly. But I'm so like, oh, I'll do my own nails at home, like, you know, if I want to get ten or do that at home. Like, but but you want to talk to me about new microphones headphones. Yeah, you want to talk to me about
anything that I can spend in my business. I'm like, oh, have you seen those new mics that came out like recently I purchased And you will understand this because you're an audio girly as well. The Dji Lapel mics. They're in the little magnetic box and they charge. And I was just like, this is so perfect for content, very hot, talk dirty to me, and then everyone else is like, yeah, cool. So I'm gonna take my friends out for breakfast and I'll be like, you have fun. I've got a microphone
to play with at home. You can come eat twelve eggs with me for breakfast. That's fine, Yeah, exactly, I'll bring my mics. It can be an ASMR very exciting piece of content, very very exciting. All right, Hannah. Unfortunately we are running to the end of this episode, but I want to know at the very start, you said, look, I'm a B minus and I feel like you put a lot of time and energy and effort into coming
up with that B minus. But what would it take to get you from that B minus to you saying V. I think I'm an A plus.
It's a sticky thing, right. It shouldn't be with like the more money that we're bringing in has anything to do with our money habit or our grade that we
give ourselves. But for where I'm at with my business, I've invested a lot into my business and I've got some really big goals, and I think the next step for me to get to that A plus is show that I can uphold my good money habits with more money, So like, yeah, welcoming in the bigger money months and then actually sticking to my guns and doing what I know to be the good decisions I feel with my money.
And I think a big thing I want to touch on was a big money goal as well for me is to be neutral, like neutrality with money, because that's something I've never been. It's always been like ups and downs, like super just energetically as well, just like oh my god, money, Oh my god, money. You know. I just want to be like, yeah, of course, money, money, whatever, you know.
I love that. I feel like neutrality is something that we don't talk about very often, but we should talk about more. Maybe I'm going to steal that and make a whole episode out of it and call it.
I love it.
I'll credit you, don't worry. I'll be like neutrality inspired by Anna San's. But I think that that's a topic that we don't talk about enough because money is so inherently emotional, and it's so tied to our self worth, and it's so tied to how we think and feel about how our life is going, when in reality, like people aren't defined by money, So why do we do this?
No?
I totally agree, and I think a plus for me would be like and I'm getting there. Like I even shared on my TikTok the other day, like something small, but I went and bought my partner a Weber. He's like a barbecue guy.
I saw that and I was like, oh, slay queen.
Yeah, he loves to barbecue. We've been morning a web for ages, but it's been one of those things, you know, it's like we wanted a baby web. So it's like six hundred and seven hundred dollars. I'm like, you know, we can afford this. This is fine, and I spent it, and I like remember tapping my card and just feeling nothing and remember being like, oh, I need to celebrate this, like I'm not clenching, I'm not tense, like I feel free about this.
No, but that's good.
Yes, I was like, this is where I want to be going. So when I'm there more often, I think that's the A plus for me.
A door, Oh my gosh, what a perfect place sleive it. Hannah. I have adored this chat. I am so looking forward to continuing to follow your journey, but also having shared you with our community. Hopefully they'll go, oh my gosh,
can't wait to tee into what Hannah's up to. But also I'm so excited for the journey that you're on and also bringing some more public money stories to I guess like to be able to share more publicly because obviously, you guys know, I adore our money stories, and I think that they need to stay anonymous because they are relatable,
they are you, they are celebrating our community. But I also want people who are in the public eye to be stepping up and going, no, this is my money story, this is what's going on, because so many times we put people who are in the public eye on pedestals
and gooble. They must have grown up rich like Hannah, could not have been in this position to earn one sixty and like be about us mum without having some level of privilege and just getting to know people just it helps so much when it comes to understanding money. So thank you for being the first I adore.
It's truly an honor.
Thank you so much, Hannah. It has been an absolute pleasure as expected.
I loved it. Thank you so much for having me.
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