Hello, my name's Santasha Nabananga Bamblet. I'm a proud Yr the Order Kerni Whaltbury 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.
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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 let's you be pervy about other people's money habits for educational purposes of course. Welcome back to another one of our money daries where I get the absolute pleasure of sitting down with one of our incredible She's on the Money community members and chatting to them all about their money story. So let's jump straight into it, because this week I got an email and it sounded exactly like this,
Dear She's on the Money. Five years ago, my husband and I and our three fur babies were searching for our first home amidst the global pandemic and uncertainty of the COVID pandemic. Fast forward to now and we are coming up on our five year house adversary. But the house is much busier and messier because our two beautiful daughters have joined us. It's been an interesting time navigating our respective careers IVF, becoming parents, and having very different
financial upbringings. But She's on the Money has helped us to find the right balance between my scarcity mindset and my husband's las A fair approach to money. Money, Doris, welcome to the show.
Thank you for having me.
Oh my gosh, I'm really excited about this. I can't wait to talk about your babies, all like five of them, because there's five now. So before we get there, I want to ask what grade would you give your money habits If I asked you to give them a grade from A through to F.
I'd say at the moment, maybe a B minus.
Oh we'll be minus. Let me write that down so I've got some notes for later. Money, dear, is now my favorite question of all time. Can you tell me a little bit more about your money story?
Yeah, of course. So I guess my attitude towards money is that, you know, I love money. Who doesn't love it?
Same queens, same Let's just be honest here.
Yeah, it provides, you know, security for me and my family and allows me to give them a really happy and comfortable life. But at the same time, I was very much raised that money is something that has to be earned, you have to work hard for. It doesn't grow on trees, that kind of mind frame for my parents, and I think because of that, I have developed bit of a scarcity mindset that sort of joined me in my adulthood.
And do you think that that is something that's like negative, because sometimes scarcity mindsets are positive because you're able to save more and be productive. Or is your scarcity mindset more something that you're like, oh, this is actually limiting us and it's not helpful.
I think a bit of both. I think I've always had a bit of a fear of getting into debt, so anything like the idea of a mortgage or anything like that was very scary for me. But at the same time, like you said, it has also meant that I'm a good saver and when I have financial goals, I'm able to work towards them. Yeah, so a bit of both.
I love that you know that, like, because it's nice to have that understanding of like who you are and what that means. So I want to know more because obviously grew up with a scarcity mindset. Tell me more about your money story, what does life look like for you?
So now I guess we have a house and I have my family. So I'm a wonderful, wonderful husband. But he doesn't have the same scarcity mindset as me. He has very much an abundance mindset, and I think that's probably because he had a little bit of it.
The opposite's always attract right, Yeah.
Yeah, we balance each other out, I think, and I have adopted some of his habits. There was once upon a time where I would never pay for convenience, But my husband's always like, if we have the money to afford something so that we don't have to do something that we don't want to do, why not. Whereas previously I would be like, oh no, I can just do it myself and save myself the money. Yeah, but he's very much like, if you don't feel like cooking, we can buy dinner, Like that is.
Okay, and you're like that is a very foreign concept to me, but also I will welcome that.
Yeah. Growing up, like, I cannot remember a time where during the week, for example, my parents would have ever bought takeaway for dinner.
Oh no, neither, like that didn't like take away. It was like I don't know, like not even once a month.
Yeah, it was a real treat.
Yeah, Like and I remember I don't know.
Side note, I remember kids being like, oh, it's Friday, and I'd be like cool, and they'd be like, we're having takeaways takeaway night. And I'd be like, oh, we don't have a takeaway night, Like that's not a thing. Like we might have Mum's bowlin aise or something like, but not not takeaway.
That's wild.
Yeah. I remember like on the last day of school term we would get like takeaway for dinner and that was like a big thing.
Yeah, because you're celebrating.
Yeah, it was always reserved for a special occasion. But now, you know, having two little kids and sometimes you get home from work and you just feel flat out and you don't want to have to cook before going through the whole you know, bedtime routine. We just you know, we'll grab something on the way home. And for me it took a long time to adjust to that because like, oh, that's so expensive.
But sometimes that's like what life's little luxuries are about, and like we're luxury of having a calm evening.
Now that I am a parent, I get it.
Yeah, And you can just get home and you can actually sit down with them and have that little moment of you know, connection with your kids before actually having to get into that routine, rather than you know, getting home immediately popping them in front of the TV or something so that you can quickly whip up something for dinner.
Totally.
So I want to know a bit more about you and your husband and what's going on. But to do that, I want to know, like how much do you earn? What do you do for work?
Yeah? So I work at a university as a professional staff member. So my salary is one hundred and nine thousand year plus seventeen percent super.
Oh that's so sexy.
Yeah it's good. But at the moment I only work four days a week, so pro rata.
And what does your husband do.
He's a civil design engineer.
Oh, very fancy, Yeah, and he.
Earns one hundred and sixty six thousand dollars.
Yeah, one sixty six and super on top of that.
Yeah, plus the eleven point five percent.
Oh very nice. So you have a night like a nice household income.
We do, we do. It's I guess a lot more money than I have expected to earn, coming from like a regional town and knowing my parents' salaries when you know, I was growing up, it seems like an exorbitant amount of money. But now that we earn, you know, quite decent salaries, I don't know how we could not, if that make sense.
Yeah. Yeah, it's funny how your entire lifestyle adjusts completely, Like and it's not just the little luxuries, right, it's just life is expensive, like in general, Like I feel like one hundred thousand dollars. I remember back when I got my first job, and one hundred thousand dollars was like my goal. One day, I wanted to earn one hundred grand because like six figures, my goodness, Like that was like my goal, and I thought that that would
mean that I would be rich. And you know, at the time if back then, I think it was like twenty ten, twenty and eleven, if I was earning one hundred that.
Was good, good, good money.
Yeah, you probably would be rich, but yeah.
Yeah, And nowadays I feel like one hundred thousand dollars just does not stretch as far, and like very aware that that's an entitled thing to say, and lots of people listening to money diaries are going to earn more or less and like that's okay, But it's just money doesn't stretch in the same way that it used to. And I feel like, had you said in like let's even say like twenty ten that was your household income, whoa. But nowadays I'm not saying it's not impressive. It's very impressive.
It's just not stretching the way it used to do.
Yeah, I agree, So.
Talk to me more.
I want to know, obviously, good income, two young kids. I'm assuming that financially having kids, because you did mention you went through IVF was a bit of a burden. I want to know what are your current big money goals, what are you currently working towards.
So I guess, leaning back into that scarcity mindset, a lot of me just wants to pay down our mortgage. That's a big money goal for me. Originally, I want to pay it off my mortgage by the time I turn forty, which is only five years away now, and I just don't think that's realistic, but I'm stretching that out to forty five if I can pay off the mortgage.
Have you spoken to like a mortgage broker about a strategy to do that.
I haven't recently, No, but it is on the goal card for this year, is to reach out and look at refinancing, well.
Not even just refinancing, just like even a strategy session with a mortgage broker to be like, hey, like we actually want to pay this off in this period of time, because usually when we sit down with a client and go, oh, well, what's the plan, we're not talking about paying it off earlier. We're like, okay, here, like manageable repayments. This is what
this means. Like, there are lots of ways you can turbocharge, like paying off your mortgage, even things like making sure that you're making weekly payments to your mortgage instead of monthly payments because interest a cruise daily like that can have an impact. And you know, if you're being really aggressive about it, it like we can.
Plan yeah, I actually we do have it set up so that we pay weekly. I did change that a couple of years ago.
So you're super savvy already, you don't even need us.
I do because I think for a long time there were things that I was just like, Nope, that's not for me, Like, for example, investing, I just I wasn't literate when it came to investing. And I think the Shees on the Money podcast and your first book really helped me recognize that scarcity mindset and start taking steps to rethink some of those mindsets that I had around you know, no, investing is just not something that I will ever do because it's.
Too risky, it's too scary.
Yeah, And I feel like that scarcity mindset, honestly, it can be really helpful, like it can be really helped, but it can be detrimental as well. Like I think sometimes you don't realize that by having a scarcity mindset, you're actually putting yourself behind financially because you're not able to step forward.
Like, yes, you're really good.
At saving, but if you don't invest, like you're not actually putting future you in the best possible position. And I just love that You're like, no, I really need to push through that, but like, I understand why, because try explaining to someone who doesn't have a lot of financial literacy why savings isn't a great option, Like you're going to go no, I feel super secure. What are you talking about, You've got rocks in your head. I'm not going to risk.
Its like gambling. And you're like, oh, actually it's not.
But I can see where you're coming from or why that might be the case.
It's exactly what I used to think. I used to compare investing to gambling.
Which is so fair.
Like if you don't know, you don't know, but now you know more, You're like, oh, now I'm interested.
This is so annoying.
It's going to take up some of my time, but hopefully you'll retire really rich.
So you're welcome, fingerscrussed, and thank you.
So tell me, have you got any other big money goals? Like we want to pay down the mortgage, ideally by forty five, which is very sexy. But tell me a bit more about what that looks like.
Well, my husband and I we have joints for finances, so we kind of share our money goals, and I think this year he may have the opportunity need to buy into his company. So it's a private company that he works for, and he looks like he'll get a promotion and as part of that, he might get an opportunity to buy in, which scares me a little bit because I don't necessarily know all the financial side of things as to you know, what those numbers are going to look like. But at the moment, we're kind of
keeping a bit of our savings aside for that. But that may involve I'm not sure our business loan or something like that, or setting up a trust.
I was about to say, how do you plan on funding that, Like do you think the buying in will be sufficient with your savings or do you think you'll need to reach out and like talk to a broker about, you know, securing a business.
Loan, Like I think we will need a loan for the price tag that we might be looking at. I think it's possibly up to one hundred and fifty thousand dollars the buy in, and that's not something that we can afford with our current savings, and also we want to sort of protect our lifestyle.
I was about to say, like, even if you had the savings, So I talk to people literally every week ish, not every day, but every week about like business loans and stuff like that. Like sometimes you just don't want to put your personal savings on the line. You're like, Okay, cool, I'm happy to get a business loan and work out what that means, and yeah, I'll pay interest on it.
But at the end of the day, like I still have my savings if things are going south or you know what if the business isn't doing as well and I need to tip some more savings into, you know, my personal life. Like I love that flexibility that debt can help you with. And I mean it is a big mindset shift going from like, ah, I've got scarcity mindset and I'm not even sure about a mortgage to like, let's get a loan and buy into a business. Like there's a bit to work through there.
Yeah, I haven't quite got there. But my husband is really keen because you know, he's really confident in the company that he works for. But obviously we need to seek out some financial.
Advice or one hundred percent financial advice. And then when you're buying into a business, they will be or should be completely transparent about their financials and having an accountant look at it and just telling you, oh, this is good or not good, or here are some red flags, Like there are lots of convos to have, and I
think right now it's really scary. But when you get to the end of those conversations, if everything is, you know, pointing in the right direction, that apprehension might actually turn to excitement and you're like, oh my gosh, Like it is a cool opportunity, Like it is an investment. It is something that we're willing to do, and like I wouldn't want you to do it if you were feeling the way that you're feeling now, Like we need education
and we need to understand the numbers. So I feel like the situation you're in right now, being all bit suspicious is probably the best thing for you and your family, Like keeping it on track.
Yeah, I think it's we're not writing off the table just yet, but I have my reservations at the moment, and it's something that I'd like to seek out further advice and feel a bit more comfortable before I sort of say, yeah, let's do.
It one hundred percent. All right, money dist let's go. I had a really quick break on the flip side. I want to talk a little bit about investments, debt, best and worst money habits, but I also want to chat a little bit more about IVF if you'll let me. So, guys, don't go anywhere money diarist.
We are back.
You're coming up to your five year house adversary. Can you tell me a bit more about your home purchasing journey, Like how much did you save? Like was this a big conversation? I'm asking mainly because you said I was really apprehensive about a mortgage, but now you have one, so like what got you across the line.
So I guess I always saw myself as a homeowner one day. I think it was just taking that step and putting ourselves into that much debt, like was very frightening. So we had I think we had about we had
over ten percent of our purchase price in savings. We ended up buying our house for seven hundred and six thousand dollars, and we bought in March twenty So it was a really good time to buy because within sort of I don't know, a year, house prices in our area actually increased by almost twenty percent.
Oh my goodness, I know.
So we got a bit of equity in our home very very quickly, which was really positive.
Yeah that's wild but also so cool.
Yeah, yeah, so we definitely felt good in our decision, you know, after we'd purchased it.
It's very validating when something like that happens. You're like, oh, like, you don't expect it to happen that quickly, but very nice. It makes me feel more secure, especially if you're apprehensive about the mortgage to begin with. So tell me, now, what's your house worth today?
Probably close to a million dollars? Who were very nice, just under probably so we have, you know, increased equity, which is wonderful, but I think that's probably across the board. A lot of houses have increased in value in Rismon, and we currently owe four hundred and nineteen thousand.
Hey, you guys are being very aggressive, aren't you.
Yeah. It's particularly in like the first two years because we were sort of in COVID lockdown and when able to leave or travel or anything like that.
You could actually just like focus.
Yeah, and that was pre kids as well, So a lot of our money was just going straight to knocking down that mortgage, which felt really good. And then interest rates went up and that started to slow significantly.
But that's okay because like that actually enables you a lot of opportunity and it probably makes you feel very secure going actually, Like I know, a mortgage can be really overwhelming, and I feel like it's most overwhelming at the start because it carries the most risk at the very start, right, Like what happens if housing prices drop, like and my house is worth less than what my
mortgage is, Like, that's stressful. But once you're a fair few years in and you know equity ebbs and flows, knowing that you own an asset right now and you know you're paying a mortgage off, but if the proverbial hit the fan, you could sell it and there's a significant amount of money there. You kind of go, I feel secure, safe in this decision, which is so nice.
But I want to ask a.
Little bit more, be a bit pervy about your IVF journey, Like I don't think we talk enough about not just the journey, which is overwhelming.
But about the costs.
So you saved ten percent fruit deposit on your home, secure with that, and then you were like, we'd like kids, and IVF was the route you went out. That's not a cheap route, so talk to me about the decision making process around that.
Well, I guess we got into our house and then straight away we're like, okay, the next step because we always saw ourselves as parents ever since we met, Like we met when we were like twenty one to you and yeah, and my husband always said he wanted to be a dad, and I knew that I always wanted to be a mom, and we just both were on the same page that we had to We wanted to get married and have our own home, so we had that financial security before we brought any kids into the world.
And so we started trying in twenty twenty after we moved into our home, and it was taking a while, and then the following year we decided to see specialists. And we were very lucky in that we got in very quickly to see a specialist and she said, Okay, it's possible, you can have children. Let's just give it a crack, but we'll go straight to IVF. We won't muck around trying IUI and any other of the sort
of lower cost options because we needed the IXY. What's that sorry, It's basically where they insert the sperm directly into the eggs like they physically do it, rather than putting them in the peatrie dish and letting it happen naturally.
All right, Okay, I didn't even know that was a thing.
Yeah.
It's basically for like sperm that can't swim.
Strong enough or something.
Yeah, yeah, yeah, yeah, so they might be good quality sperm otherwise, but.
They're just a bit lazy. Yeah, so you just need a bit of a kickup the butt.
She always said, you know, they're good looking sperm, they're just a bit lazy. And I said, oh, that just suits my husband perfectly all over. Yeah, it made sense to us.
I like that.
It was like in a conversation that you were like, that makes sense to me like that. That just feels like it's less confrontational or scary or technical as it could be.
Yeah, and my husband and I are very open about it, because you know, it was upsetting at the time to know that it wasn't going to be easy to get there. But we were very lucky because I also had low egg counts, so initially I was very worried that it was going to take a while and be quite expensive, and we didn't have private health, so we were paying out of pocket.
Oh, completely out of pocket.
Yeah, completely out of pocket at the time. So I think it was about twenty thousand dollars per cycle. Wow, Yeah, and then we got some rebates through Medicare, so I think it ended up being just over ten grand after Medicare rebates per cycle.
Yeah, but you had to like come up with the twenty thousand dollars to begin with to then be able to rebate it, which is a financial strain that I think a lot of people are like, oh, but you can claim it back on Medicare and it's like, yeah, great, but I actually have to have the twenty thousand dollar in cash to be able to afford it to begin with, to then get the cash back.
Yeah, because you have to pay for the cycle on day one. You sort of have to pay for it upfront, and then you get the money back, you know, at the end of the cycle, if that makes sense. So, yeah, for that month, you're out of pocket that additional amount, and then we only had to do two cycles. Each cycle we got one embryo, which is really low and both of those embryos are now a beautiful baby girl.
I was about to say, but all you need is one embryo right, Like, you don't need lots and I know that lots of people go through this and that would have been was that really disheartening? Like when you were told we only got one.
Yeah because she was cycle, because of your age, Like we want to maybe bank a couple of embryos before we you know, insert one because of the low egg count that I had.
Yeah, and you're like that makes sense, and like you're on board for that plan.
Yeah. And some people, you know, they get lots of eggs and I got I think on my first cycle four eggs and then only one of them turned into an embryo, and I just thought, oh, this is the tape forever, and I just I want my baby now. And yeah, by the second one, we've got three eggs and a second embryo, and we thought, well, we'll just pop one and see what happens.
And yeah, you got a baby.
Yeah, my beautiful baby girl, My miracle Baby's the two of them, and.
I kind of love that they were, like, you know, they were embryos at the same time.
That's kind of so special.
I know that they're different ages and whatnot, but like, I just I love the idea that they got to be little embryos together.
Yeah, we always say that technically, like our oldest is like our youngest embryo.
Oh is it that so funny?
Because she came from the second cycle, so you know, our youngest was just yeah, waiting in the freezer.
Yeah, how good? I love that.
So it was twenty thousand dollars per cycle to get to embryos? Does that include transfer when you decide? Okay, so we've paid out, we're now ten thousand dollars out of pocket. We know we've got you know, two embryos, we're going to be pregnant now, Like what's that process?
Like that included the first transfer, so that's yeah, to get the two embryos and the first transfer and then the second transfer. So two years later when we decided to try again, I can't even remember the cost of that. I think it was about fifteen hundred dollars.
Yeah, okay, so not too bad.
Yeah, because I needed some medication.
To stimulate life. Yeah, I find it so interesting. And then you would have had to pay storage fees. Yes, So what did that cost?
Is about six hundred dollars a year from memory?
Right, and then you just know that your other beaby was just hanging out in a freezer somewhere waiting to come and be picked up.
I was so anxious. I was like, what if they lose it because there's only one. It's all a load.
It was, but now it's not like now she's with you guys, and now you have two kids. That is honestly, it's so special learning about people's like fertility journeys, Like I always feel so pervy, but like having been on my own journey to having Harvey and then you know, at some in the future, I want more babies. I just I'm so always interested in, like, well, how did you become a mum? Because I didn't realize it was as complicated as it is.
And we just feel so lucky. We're just so appreciative because we know it doesn't work for everyone. So we're just so grateful for them every day.
I love that.
So we spoke about you know, obviously IVF, we've had a chat about property. You've done well in that space. Talk to me about investing. You said like, oh, like, I'm a little bit scared about it. Read your books and stuff, but like, where are you at on your investing journey?
So we do invest so obviously we've got our super So my husband's are sitting around one hundred and thirty thousand dollars very nus and then mine is sitting at around one hundred and twenty one in my main super account. But I also did a year in the military after I left school.
Oh, did not see that coming.
Yeah, not a lot of people do. When they see me, they like what But I think I have about sixteen and a half thousand dollars in there because it can't be rolled over to in another super account. So it's just it's been ticking away, you know, my whole adult life, just sitting there, slowly growing.
Just compounding, doing its thing. I love that.
And then when it comes to like plans for investing in the future, have you guys spoken about it? Is that something that you're like, yep, Like we just don't want to do it right now. I know you said before, like you want to aggressively pay off your mortgage, Like, talk to me about what those like the combination looks like.
So I have a small investment portfolio, so I started off with rays just doing roundups. I think in twenty twenty one, after I read your book, Yeah, and I thought I need to start somewhere, and that felt quite easy to me, and then not too intimidating. And then now in that same account, we have a weekly amount of two hundred and fifty dollars.
Oh my gosh, so you are good investors, yes, maybe.
Yeah. So I'm happy with how it's growing. And over time, I've become more customed to, you know, not feel as frightened of losing the money. So it's now sitting around twenty five thousand dollars.
How good, And I guess just going to compound over time. And as like you know, kids are expensive, as I don't have to convince you of that paying off your mortgage early is going to cost lots of money. Like as money becomes a little bit freer, like you can contribute more and it doesn't feel as painful as it probably would where you're like, Okay, so I'm working, my husband's working. I'm assuming there's day care fees and stuff like that in the mix, and just life's expensive.
Yeah it is, but it's nice to know that there's something ticking along there. And I also contribute an extra three percent of my wage to.
Super on top of the seventeen Yeah.
Because I thought twenty was a nice round number.
I love that, and I love a round number like I just I like the idea of that. Have you done projections on where that will put you in the future.
Yeah, I did some projections with my husband and my super as to where we'd sit by the time if we want to retire at sixty five, and I think it said like our fortnightly income would be around four hundred dollars I think, which I think is quite comfortable. Yep, yep, No, I love it, especially if we're planning on having our mortgage paid off.
Oh, I think that you'll be just fine in that situation. So we talked about debt before. I'm assuming you're not in any other debt.
I have hex debt. So I studied psychological science, and then I, like yourself, studied organizational psychology.
Oh the good types of people.
Yeah, so I've still got a bit of debt about thirty five.
K ah, very cool. Tell me a bit more. I want to know.
I feel like you've probably been a frugal girlie. You've probably got some good money habits. What do you reckon is your best money habit?
I don't know if I've got good habits. But I'm quite disciplined. So in terms of of like our cash flows, it's all assigned. Any bills or expenses that we have, you know, they're basically the money goes out to them straight away, so we'reever worrying about how we're going to pay for bills. And I'm quite low maintenance in myself, Like I'm not particularly spendy when it comes to trendy
clothes or anything like that. I try to pick good quality clothes that will last because I'd rather have nice things in my wardrobe that are not necessarily going to go out of fashion but suit me and my style and that I can basically wear to death, and then we know that it's getting good cost perwear.
I love that.
I feel like the older I get, the more I realize that. Like when I buy something, whether that's like a fast fashion piece or like an investment piece, I go hold on, like I think about it in the here and now. But then I realize that there are some pieces in my wardrobe that I've had there for ten or fifteen years that I'm still wearing. And I think that that's a really interesting mindset to realize. Oh, like if I bought this green top that I'm wearing today.
I could actually still be wearing that in fifteen years and that's wild to me. And it's just really pushed me further into being more intentional with my purchases because I'm like, oh my god, like I do remember it's so lame. But there's this like white top that I bought in Uni that is really non eventful.
That you probably would be like v it looks like every other white.
Top, but I remember stretching myself in Uni to purchase it, Like I remember feeling a little bit guilty because I was like, oh, like, I really want it, but it's a bit more spino And I'm still wearing it today, and I'm really glad I did that because it's still one of my favorite pieces. And I just go, I want to be more like that more consistently. So that's a good thing if that's one of your better money have its.
Yeah. I try and be really mindful of what I'm purchasing, and so sometimes you know they're not cheap, Like particularly, I buy a lot of nice dresses for work and things like that, but I know that I'll get years
and years of wear out of them. The only you is, you know, after having two babies, Like I do have a few pieces in my closet that I just can't let go of but don't necessarily fit me the same way that they used to, which is really sad because you know, when I bought them, you know, I loved these pieces, and now I put them on and they're just not quite as comfortable or don't make me feel quite so great when I wear them.
Yeah, And it's interesting like having had a baby nearly a year ago for me, like just the way your body changes, and like it's not like I'm very lucky that I'm back to where I was before, but everything's different, Like things sit differently, and like my weight distribution is sitting differently on my body and I just didn't predict.
That, Like, yeah, my rib cage is wider.
Yeah, my rib cage is like my bone structure is different. And the rib cage thing I googled that I was like, is my rib cage bigger? Apparently that's a thing because like your whole body needs to move to accommodate a baby, and it never went back.
Yeah, so things that you know used to be quite comfortable around, you know, your ribs and your waist are now like, oh that's a bit tight.
Yeah, and it's got nothing to do with weight.
It's got everything to do with your body, Like composition is just different now.
Oh, it's actually so interesting.
Yeah, it's amazing what the female body can do.
I'm very proud of it. But tell me, what do you think your worst money?
How it is?
I've got two things that I wrote down, So I guess the takeout meals I mentioned before. You know, my husband always justifies it. You know, we get more time with the kids and less time cooking in that stuff. I feel like we've gone too far and now we need to draw it back in again because oh I don't feel like cooking, let's just buy something. I still have that little bit of guilt around. Oh yeah, maybe this week we've spent a bit too much on takeout
or even going to cafes. We love to take the girls for baby tinos and things, and I think, you know one a week is you know, it's getting Yeah, and.
They do add up like what do you mean a baby tuno's four dollars? Like I was looking at the Harvey's not a baby chino age yet, but I was looking at the menu the other day and I was like, four dollars. And we all know he doesn't even like when it happens. He's probably not that interested in drinking the milk and consuming the nutrients. He probably just wanted the little marshmallow.
Yeah, yeah, for a bit of like this much froth milk.
Yeah, at extortion, honestly. But I mean, I don't know. I feel like I've realized I'm a very sentimental mum. Like I keep just being like, oh my god, you're growing, please stop, but also don't stop. Like I just I feel like it's getting away from me at the same time as trying to appreciate it. I'm like, you're not going to be in baby Chino face forever, so like I want to take you out for as many as possible. So I don't know how I'm going to balance that for myself.
Yeah, and I think as well, like as a working mum, you get sometimes the mum guilt, and so you know, you do splurt a little bit more. Like my eldest daughter, she loves books and almost we went through a period last year where every time I take her out, we'd be like, oh, let's just go to came up to the book section and see if there's any nice books because we that's part of our I guess bedtime ritual is reading the books together and it's just so lovely
to spend that time with it. Okay, maybe we should be going to the library instead of buying all these books.
I mean, those aren't the worst money habits I've ever seen.
I kind of like them. They're really wholesome.
Yeah, but yeah, I think for me, it's just to do with spending around the girls. Like I just I find it really hard to say no to them because they're just my little babies and I just want to give them the whole world.
So it does change the like I don't know, you know how when you're growing up, people will be like, oh, yeah, I want to give my kids absolutely everything, and you'd be like, okay, cool, like don't no second thought about that statement. And now I'm like, oh, I get it, Like I want him to have like everything at the same time as bringing him up to not be entitled, like and you're trying to like find the balance and you just like you're only one, but like I can just see me going, yeah.
You can have it. It's fine. I just I really want you to have a good day.
Yeah. Oh so cute. And now once they can talk and they start like saying things that are adorable, Like my daughter says, Mummy, I've been really good today and she's trying to get something out of me.
I'm like, oh, she's a genius. It's gonna work.
Sometimes it's just like can I have a piece of fruit? And it's like, oh, yeah, that's fine. But sometimes it's like can I watch TV?
And I'm oh, okay, sleep pree sleep, preeze slope. I love it. Oh my gosh.
I have loved having a chat with you today and learning about you know, literally everything, like you know, purchasing your first home and chatting about IVF for them, talking about our money habits being frugal versus having a partner who's less brugal, Like I feel like this has been a fun money diary and I've really enjoyed getting to know you. So thank you, And I just I know our community is gonna love listening to these diary as much as I've loved recording it.
So thank you.
You're welcome, and thank you so much for everything you do for the community, and particularly for women, because it certainly helped me, and I know know in many ways you're helping so many people.
I hope I try. It's like my favorite thing ever, No, thank you for that. This has been beautiful.
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