August 2, 2026 • 38 mins
This week's Money Diary proves there isn't just one way to build wealth.
Growing up in a working-class family, she didn't inherit financial advice, a house deposit or a roadmap. So she made one herself.
From 18 to 25, she skipped renting altogether, house-sitting her way across Melbourne, looking after other people's homes and pets while quietly saving every dollar she could. It wasn't glamorous, but it helped her buy her first home on her own in her twenties.
Fast forward to today and she's 36, single, earns $177,000 a year, owns a home worth around $1.2 million, has more than $250,000 in super and is slowly building an investment portfolio, all without relying on a partner to get there.
We chat about climbing the corporate ladder while completing a master's and PhD, navigating redundancies, why she's still not convinced she deserves an A for her money habits, and the reality of building financial security on your own.
It's a conversation about doing things differently, trusting yourself, and remembering that building wealth doesn't have to look the same as everyone else's.
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Speaker 1 (00:00):
My name is Satasha Bamblet. I'm a proud First Nations
woman and I'm here to acknowledge country t Glenn youan Ganya, Niana,
Kaka yah y and Binahaka Nian our gay In Nimbini,
yakarum Jar, dominyamiga Umaga Ihowaka, Nile Waman damon Immalan Bumba
bang Gadabomba in and now in Waka ghana on yakarrum
jar Watanadaa. Hello, beautiful friends, we gather on the lands
(00:24):
of the Aboriginal people. We thank acknowledge and respect the
Aberiginal people's land that we're gathering on today. Take pleasure
in all the land and respect all that you see.
She's on the Money podcast acknowledges culture, country, community and connections,
bringing you the tools, knowledge and resources for you to thrive.
Speaker 2 (00:45):
She's on the Money. She's on the Money.
Speaker 3 (00:51):
Hello and welcome to She's on the Money. The podcast
let you be pervy about other people's money circumstances for
educational purposes of core. Yes, welcome back to another one
of our money diaries, brought to you by our friends
from Sky Wealth, where I get the absolute privilege of
sitting down with one of our incredible She's on the
Money community members and talking to them all about their journey.
(01:12):
Let's jump straight into it, because this week I got
a message and it sounded exactly like this. Hi, She's
on the Money. I come from a working class family.
I had no financial education except for one hairy accounting elective,
and instead taught myself along the way. I now see
what I could have done differently, but remind myself that
I did the best I could with the knowledge I
(01:33):
had at the time. I also did it my way
and by myself. I worked throughout my studies and climbed
the career ladder in corporate while finishing my master's and PhD.
In twenty fifteen, I bought a unit by myself. Looking back,
I'm so lucky that it worked out. If what's happening
to interest rates now happened, then this would be a
(01:54):
very different money diary. I sold at quite a profit
in twenty twenty four and bought my forever home solo again.
I'm now thirty six with more than two hundred and
fifty thousand dollars in super a home worth one point
two million dollars and a small but growing investment portfolio
money diarist.
Speaker 2 (02:13):
Hello, hello, be so for real.
Speaker 3 (02:17):
That is so so cool. But also you know my
ex boyfriend and this is really weird because we used
to hang out when I was like twenty at house parties.
Speaker 2 (02:26):
I know, I know, I've come a long way since then,
and so have you.
Speaker 3 (02:30):
Girl, same Like, please put me in that bucket, like
I was saying to you just before. We have to
tell the community this because they need the background law.
But I'm really excited about this because not only did
you know me when I was twenty, I knew you
when you were twenty, And go look at us now.
Speaker 2 (02:50):
I know I'm a little bit older than you, but yeah, yeah,
well I.
Speaker 3 (02:55):
Am thirty five, you are thirty six. Sit down, all right,
let's dive into a money because I'm just genuinely as
someone who knew baby you getting to know your money dirry.
Now I'm going to be able to like place it
so much better. And I hope that that I don't know,
I hope that translates to the community getting an epic
money diry as well. So let's dive straight in money diaries.
(03:18):
What grade would you give your money habits if I
asked you to give them out a grade from A
through to F.
Speaker 2 (03:23):
I think a B, maybe a B plus love.
Speaker 3 (03:26):
Let's learn more about it. Can you tell me a
little bit more about your money story and the things
that have impacted it.
Speaker 2 (03:32):
Yeah. So, I'm the youngest of four. My dad was
a trade mum was a stay at home mum, so
money was tight, and there was also no financial education.
They didn't know anything. They still don't. They're retired now,
like they're okay, but they're not rich. Dad always says
to me that he doesn't know where I learned this
when I'm telling him what I'm doing with investments, and
(03:52):
every time he comes and walks into my house. I
got my first job at fourteen nine months and I
haven't stopped working nints. I made eight dollars and eight
cents an hour my first job.
Speaker 3 (04:05):
Dollars and eight cents. That is so specific.
Speaker 2 (04:08):
I love it, still remember it, and it's still my frame.
Like if I buy a jacket, I'm like, ah, is
this worth ten hours of work?
Speaker 3 (04:14):
Oh my goodness. I've de faulked to that as well.
I'm always like, oh my god, it's fifty bucks. That's
like three hours of work. And then I'm like, hold on,
hold on your.
Speaker 2 (04:23):
Stuff in the past.
Speaker 3 (04:24):
Yeah exactly, But also that's still a lot of money.
Speaker 2 (04:27):
Yes, I know, right, and so yeah, I've been working
since then, have a pretty hard working ethos. There have
been times in my life since then that I've had
no money. I had no money. I get the start
of COVID and then I lost my job. But it's
always been okay. I've always kind of bounced back, and yeah,
worked the whole way through studying. One of the ways
that I guess I saved money back then was and
(04:49):
this is a hack I tell anyone. I don't know
if you remember this. I didn't live anywhere from eighteen
to twenty five. I just house sat really, yeah, I
just looked after dogs and cats.
Speaker 3 (05:00):
How did I even notice that?
Speaker 2 (05:02):
Yeah, so I saved so much money.
Speaker 3 (05:04):
I thought you just lived with your parents in between.
Speaker 2 (05:07):
Yeah, so if I wasn't doing a house sit, but
I saved a lot of money that way. And that's
how I bought my first house so young, because I
had never paid rent.
Speaker 3 (05:15):
That is so cool, but also just like such hustle, Like, yeah,
I love that for you, But was it a lot
being everywhere and nowhere? At the same time.
Speaker 2 (05:26):
Yeah, and I didn't even have a license back then,
so I'd be lugging a suitcase around and going to
work from different places, going to UNI, from different suburbs.
But it means I got to see where I wanted
to live. I got to live all over Melbourne and
figure out what area I like.
Speaker 3 (05:40):
That is very cool. So tell me what does it
because I'm just taking a stab in the dark right now. Like,
you've got a house worth one point two mil. You've
got two hundred and fifty grand in super He gave
me a little bit of insight into your parents. What
is it like being in a better financial position than
your parents? Like he's there, Yeah, different dynamic. What does
(06:03):
that look like?
Speaker 2 (06:04):
Yeah, it is interesting. I remember a while ago Dad
asked me, he doesn't know exactly what I make, but
he knows how much I've bought my house for.
Speaker 3 (06:11):
And he's also like, I've got a daughter. She's the
youngest daughter. She's a hustler and has a master's and
a PhD. So I don't think it's four.
Speaker 2 (06:18):
Dollars, Yeah exactly, he said, you know, are you earning
over one hundred thousand dollars? And I was and I
was like yeah, and he said, oh god, it took
me decades to earn that much, which is true. But
also with the you know, the buying power that that
money gets you, I'm like, I have done all of
this by myself. I do have a very big mortgage,
so yeah, some paper to my parents. I make a
(06:39):
lot of money, and I do, but a lot of
it's tied up going off to quite a big mortgage
and you know, all my other living expenses. I don't
have a partner to split the bills with. But yeah,
it can be awkward at times, and I can be
a bit more generous than they are money wise in
terms of presents. But for me, presents are about the thought,
not what it is.
Speaker 3 (07:00):
Yeah, that's never bothered me totally, and I really resonate
with that because, like as somebody who's also in a
financial position, where oh, do you know how cool it is?
Like genuinely, I didn't know, Like, you know, when you
don't have money, you don't think about this, but you know,
you might go to Chasden and want to purchase something
for your sister or purchase something for your mum, and
you just go, oh, that'd be so cool. But I
(07:21):
can't do it, Like I never thought that getting into
a financial position like I'm in now, I meant I
can do that, and like it sparks so much joy,
like the idea that if my mom wants something and
it's her birthday, I can just get it, Like it's
so much fun and I forget that. Sometimes people are
(07:43):
like Victoria, are you sure, And I'm like, girl, i
don't know how to tell you this, but I'm almost
certain I'm getting more out of this than you're getting
out of this, Like, and it's such a privilege.
Speaker 2 (07:54):
That absolutely is. I do feel so cool bad sometimes
when my siblings are like, that's too much money to
have given child, and I'm like, whoops.
Speaker 3 (08:02):
Whoops, I don't have my own. That's so good, all right?
So do your parents know what you were now or
if you kind of always skirted around telling.
Speaker 2 (08:11):
Them no, they don't know a dollar figure. They just
say a lot And I'm like, sure.
Speaker 3 (08:16):
Oh wow, And is that because in those conversations where
they're like, oh, can you afford that house? Because I
can think that parents kind of sometimes default to money diarist,
like we want to make sure that you're not making
a bad financial decision. Are you okay can you afford this?
Like I'm assuming that's where it's coming from. Is that
cause you withhold that number because you're awkward about it?
Or is that because you're just like, oh, I don't
(08:37):
really want that out there, or you know, what's the
thought process?
Speaker 2 (08:41):
Yeah? I think originally it was not wanting them to
change anything, feel awkward or I don't know, put more
pressure on me. Not that I thought they'd ask for money,
but that maybe they'd treat me different, and you know,
we're going out for dinner, they'd be like, well pay
for everyone except for money. To I was like, I
don't want that. I don't want to spotlighter.
Speaker 3 (09:01):
I doubt that they would do that. I tell us,
tell us, what do you do for work? How much
money do you earn?
Speaker 2 (09:06):
Yes? So I work in research and development at a
not for profit, and I also have a few side
hustles where I teach adults to a changing career. I
do a bit of writing. So my taxable income ends
up to be one hundred and seventy seven. OK.
Speaker 3 (09:19):
That is a lot more than one hundred grand, isn't it?
Speaker 1 (09:22):
It is?
Speaker 2 (09:22):
And I work it enough profit right, So I've got
not for profit benefits that actually lower my text.
Speaker 3 (09:27):
And also, like, don't get me wrong, I adore that
you work in a not for profit and knowing you
you know, not super well, but knowing past you and
current you to an extent, I would say that we
talk on Instagram at least once a week. I feel
like I know that a not for profit suits you.
But hypothetically, if you ever wanted to go into corporate
you could probably double your income exactly.
Speaker 2 (09:48):
Yeah, I always say this pesky morals. I can make
a lot of money if I work somewhere else.
Speaker 3 (09:54):
Girl, If I turned cheese on the money into a
pyramid scheme for reals, like, I could be at the
top of the triangle of opportunity. Yes, all right, so
tell me what is your big money goal, because it
looks like you've achieved a lot already.
Speaker 2 (10:12):
Yeah. So when I bought the second or my forever home,
I guess my second house one at a time. I
don't have an investment property. It needs a bit of work.
So that's been what I've been working away on. I
designed my own suite, which ate most of my savings.
Speaker 3 (10:27):
Yes, was that more expensive than you thought it would?
Speaker 2 (10:30):
Be my god. It was so expensive and I did
go bougie for my own suite, but just the cost
of the actual labor was surprising. It was a lot
higher than I thought. And because Dad was a tradee,
he thought I was getting ripped off. But then I
got several quotes and I was like, this is the
cheapest by ten thousand, Like it's that's crazy. It's expensive
(10:51):
and ate. I didn't even have an emergency fund when
I moved, which I know wasn't great, but I had
a bit of a life loss and a money win.
That means I got some money from the victim of
crime financial assistance. So that is now my emergency fund
and I won't touch it. It won't be used on
any of the next home improvements. I'm slowly saving up
for them and doing some do it yourself to save
(11:13):
some money there too, And so yeah, the goal is
to make this my dream house and to pay it
off and keep growing my investments.
Speaker 3 (11:21):
That is so cool. So like, your ultimate money goal
is basically what you're already working on and the things
that you've already achieved, just making them bigger and better. Yeah,
I am obsessed. Now you touched on something that I
don't want to dive too deep into. But when you
said you got some cash from the Victims of Crime Unit, yes,
what can you tell me about that? Just because I
(11:43):
think we don't have enough conversations about stuff like this.
It's something that I think a lot of people have
probably I don't know if you've shared this publicly as
in with your friends, but a lot of people don't
know it's a thing.
Speaker 2 (11:54):
Yeah. So the old scheme was really hard, and you
had to really prove had happened and fill out all
these forms and go to different people. And so I
got in about halfway through that installed and then they
changed the scheme and so if you've been through a
crime in the state of Victoria, you can apply for
getting money back for things related to the crime. So
(12:15):
I had put cameras around my house because of the
crime happened at my house, and I had gone to therapy,
and so I was just asking for reimbursements from that.
But then the caseworker assigned to my case was amazing
and she said, hey, you can get a financial like
lump subsum because this is a Class A crime, which
means you can get up to twenty thousand dollars in cash,
(12:38):
and so she helped me through that. I just needed
a statement from my psychologist. She didn't even have to
fill out a form, she just had to like write
a paragraph and then it was really quick from there.
So it worked out well.
Speaker 3 (12:51):
And so that cash does hit your account and it's
now your emergency fund. Yes, does that make you feel
a lot more just secure in general?
Speaker 4 (13:00):
Yeah?
Speaker 2 (13:00):
Absolutely, because with like what the job market's doing at
the moment in my sector, I know some people are
losing their job and I don't have a safety net.
And like I said, I don't have a partner. My
parents don't have the financial means to support me. So
if I lost my job and it took me a
while to find my job, servicing the mortgage would be
a big, big stresser. But now I've got a few
(13:20):
months or more than a few months in that emergency fund,
So that really helps.
Speaker 3 (13:26):
Can I ask you about being single, because I feel
like so many of our shoes on the money friends
are single and you're killing it, Like what do you
mean You're like, I'm more than one hundred and seventy grand,
Like you've got your own house, you just live love
laughing like another human being. I'm assuming would have to
add significant value to your life for you to be like, yeah,
(13:48):
I guess you could tag along. Yeah, tell me what
is it like being single at thirty six? Because I
can see the benefits, but I can also see that
for a lot of our community, they're like, what is
wrong with the world? Am I ever going to meet
my prayer?
Speaker 2 (14:01):
Yeah? I mean, look, I feel that, especially if you're
ever on the apps, You're like, oh God, is this?
This is all this left? I don't want kids, so
I don't have a time pressure. Yeah, I don't need
to get partnered up. I mean, you can obviously have
a kid without a partner, but that has its additional term.
Speaker 3 (14:16):
That's your choice.
Speaker 2 (14:17):
That's also not my jose, So I don't really feel
a pressure to get a partner. Like you said, someone
would have to add to my life rather than detract
from it. And I've been through some pretty bad relationships.
The class A crime was related to something with a relationship,
so it's not really a goal of mine. But then
I do know, like, well, financially it would be easier,
(14:38):
and sometimes I think I've had a hard date. Would
be nice if there was a partner to have a
chat too.
Speaker 3 (14:43):
But call me babe. I'm really good at wine. Yes,
you can do that, so tell me a little bit more.
I guess about that side of things because we talk
a lot about single tax. Yeah, how do you feel
about that? Is that unfair? Is it just like the
cost of being single in this economy? Is it something
(15:04):
that you're like the government should absolutely be helping us
a little bit more, because like what you do, you're
very intelligent, and I just really want your opinion on this.
Speaker 2 (15:13):
Yeah, I guess. I mean I have made the choice.
I live in a three bedroom house by myself, so
me dining her because I wanted to study away from
home quite a bit.
Speaker 3 (15:22):
Oh well, then obviously you need a whole.
Speaker 2 (15:24):
House with three it's fair bedroom in the study.
Speaker 3 (15:27):
God forbid, we work from the dining table.
Speaker 2 (15:30):
Well I used to do that at the unit, but
I felt like I lived at work. That's not you know.
But so I've made this choice. So sure, I've got
an electrical bill that it doesn't half I have lived
with a partner before, and when he moved out, it
didn't half like the service charges more So I don't
know if they could, but I still have made this choice,
so I'm into minds about it. I see you know, yes,
(15:53):
people are struggling. But then oh, I've made a choice.
I could live with housemates. It's more the structural stuff,
like I want to go on a holiday, Oh, the
price is per person twin share? Oh okay, well do
I have to what's the price for one person? Hotels
obviously been more expensive. You could never go on a
cruise because there's not really like that. Maybe there are
(16:14):
are unsom but there's not like bunks, so you can't
do it a cheaper way. Those are the things that
I'm like, oh, okay, yeah, there's the there's the double
cost for me because I don't have someone to split
the hotel with or whatever.
Speaker 3 (16:27):
Yeah. I really feel like it's a bit deceptive when
they say, oh, it's like a thousand dollars ahead and
you go great, But there was always a built in minimum,
Like just say there rooms two thousand dollars and you
can share it with two people, and it's an additional
fee for one. More like, just brand it to me
differently so it doesn't feel like I'm paying for someone
(16:49):
to be there when they're not going to use that.
Speaker 2 (16:52):
Yeah, exactly. Although once I did get too welcome lines,
so I was like, okay.
Speaker 3 (16:57):
Well, you know what, all the conversation and we've just
had in the bin and she got two welcome lines.
Speaker 2 (17:03):
It was worth that one glass of champagne?
Speaker 3 (17:05):
Is that the money we I don't know, You're already
probably paying doubles. They were probably like this woman's paying double,
she deserves two wines. Yeah, all right, money direst, let's
go to a really quick break because I want to
get your thoughts on investment property. I want to talk
about debt, insurances and your best and worst money habits.
So don't go anywhere. All right, money diarist, we are back,
(17:30):
and you said something before that. I was like, oh, interesting,
what's your thoughts on investment properties?
Speaker 2 (17:37):
Yeah, this is definitely something I was thinking about because
I only had like two point fifty k remaining on
my mortgage at my old house, and I was like, oh,
do I keep it as an investment property? Do I
stay and try and pay it off? But if I
did that, I looked at my borrowing capacity and I
was like, oh, well, I'm not going to get into
the forever home and then I'd have to make another
(17:59):
intrum steps. So I sold that I bought the Forever home.
But actually just recently I was showing to a financial
advisor and this is the second one who's raised it,
who were like, you've got a lot of equity in
your home, you could get an investment property. And I
was like, oh, but that just seems like more Again
for a single person, I'm taking a more risk, and
(18:19):
so I kind of said, oh, I don't know if
it's for me. Their brokers run some numbers they sounded
too good to be true. So I was actually going
to book in with Zella Money to be like, what
is the like reality here.
Speaker 3 (18:32):
Well, one of my mortgage brokers did just get put
up for Mortgage Broker of the Year again, so amazing
she's got it together. But also it is a lot
to talk about, and even if something makes sense quote
on paper, and even if the numbers, you know, let's
pretend they're not too good to be true, they're just
really good numbers, and you're like, wow, that could work
out for me, Like it does all fall back on you,
(18:54):
Like it's not as though if something happened to you,
it's all right. We get pie on my partners in calm,
and then I get income protection, like if you're getting
income protection, And this is something that when I was
a financial advisor, I used to talk to my single
clients a lot about a lot of that is going
to be sooaked up with support for you as opposed
to it defaulting to your partner. And I'm not saying
(19:16):
that's the right thing, but often it would default to
your partner and yet would use that money to pay
off your mortgages or you know, live love laugh. But
if you're single and you can't lift a finger because
you've broken something yesterday, well, what are you going to do?
You either have to rely on your parents, which unfortunately
right now we're in similar positions. We're in our thirties,
(19:37):
our parents are aging. We cannot be relying on them
to be like, oh, I'll come over and give money
to arrest us spongebath, like we're going to have to
pay for these things. So what would that look like?
And you're right, it is more risk. It's not something
that is super terrifying. It's not to say you shouldn't
do it, but it is definitely something to go. Well,
if you want to remain completely financially independent, what does
(19:59):
that look like? Has a financial adviser brought up the
conversation of debt recycling to you.
Speaker 2 (20:05):
No, so I mentioned it to this personasts by the chair.
Yeah exactly. I actually bought my niece your book, even
though she's like fourteen, because I was doing this and
I bought her shares and stuff. I was like, you're
going to be better off than I have been.
Speaker 3 (20:22):
I love that so much.
Speaker 2 (20:24):
Yeah, so I haven't looked into it in a lot
of detail. I know what it is in theory from
your podcast, and that's what I was kind of saying
to them, Like, the only exposure I have to property
at the moment besides my home, which is my house,
is I do have a reate in my share portfolio.
So I just feel like that shares and maybe some
debt recycling into getting into more shares is safer for
(20:48):
me than having this whole other house. Because yeah, like
we just said, I don't have a safety net. It
would all be on me if something were to go wrong,
and I've been through two redundancies, so I'm like, oh,
do I ever want to do that again?
Speaker 3 (21:02):
Like that, you're stressful and you kind of have to
role play it out in your mind and be like,
if I did this and hypothetically I was made redundant again,
how would I feel? And a lot of the time,
you know, I'm reading between the lines here, you would go, oh,
I'm actually not comfortable with that. That would send me
off a cliff. I absolutely don't want to do that.
But something like debt recycling could work to your advantage
(21:23):
where we're, you know, trying to maximize the fact that
you currently don't have deductible debt. We could create some
deductible debt, put you in a situation where you are
kind of turbocharging your investment. But if you were made redundant,
there's not another mortgage repayment and a tenant moving out
all at the one time. And I think that that's
where our definitions of quote a safe investment need to
(21:46):
be very strictly defined, because what does that mean, Like,
it actually means most of the time that our money
dis just feel safer, not they're on paper one safer
than the other. Because you could argue that property is
actually a lower risk asset class. But the reality is
sometimes we just need to take the option that makes
(22:09):
us less money, because ultimately it puts us in the
best possible mental and financial position, and I think there's
a really good balance there money. Doris, tell me about debt.
How much debt are you in? How do you feel
about it? Obviously, being made redundant with debt would absolutely suck.
Speaker 2 (22:25):
What's that like? Yes, so the redundancy was actually really fatuitous,
the second one anyway, because I walked straight into another job.
So Queen, yeah, I like a recruiter reached out to
me that day and I was like, yes. So I
ended up just having a lump sum that actually extinguished
one of my mortgages, like the split mortgage.
Speaker 3 (22:47):
Yeah, okay, so now I have.
Speaker 2 (22:48):
Seven hundred and fifty K debt on my mortgage. I
don't have any hex, I don't have any car loan.
I do have a credit card for emergencies, but I've
never used this one. I did have one that I
used frequently ten years ago, and I did have, you know, debt.
Sometimes I would carry over, but it never really felt
out of control, and I was always like, oh, there'll
(23:09):
be more money. But I think now again, looking back
on some of the things I did, I'm like, oh,
I could have done that better. But I did the
best for the information I had at the time, and
it's set me up for where I am now, which
is a lot more of a structured approach and bill
buckets and different savers and everything's automated.
Speaker 3 (23:27):
And okay, icon, Yeah, can I ask a little bit more?
I don't know, what did you buy your last apartment for?
What did you sell it for? And then I've got
more questions to follow on. I just don't want to
overload you because there are manyes.
Speaker 2 (23:40):
So the place I bought in twenty fifteen, I bought
for four hundred and ninety. The market was crazy at
that time. So ended up buying like directly on a
train line, the only way I could afford to get
into the suburb I want it. I was then having
the discussions with my real estate agent ten years later
about oh do I do I keep it as an
(24:01):
investment property, and we were looking at some of the
works I had to do because there's some kitty cats
and there was just some stains on the carpet, and
what kind of stuff do I have to do? We
were getting those quotes and then he said, down tools,
I've got a tradee who is interested. So I ended
up selling it off market. I took into account it
was so good, but it happened much quicker than I
(24:22):
was expecting, and I was like, oh my god, to
go by my house. Yeah, so I took off thirty
k from the price because that's how much the improvements
I were going to put in was. So I sold
it for six seventy.
Speaker 3 (24:32):
Oh okay, very nice. And how did that off market happen?
Did you start any of the improvements and like literally
have to put down tools or what did that look like?
Speaker 2 (24:43):
Yeah, we were still in the quoting phase. So I
had a list of things that the real estate agent
thought I should do. And he's the one I bought
the house off, and I kind of just know him
from around the local area, and so I was about
to buy the floorboards and about to do this stuff
and he was like, stops ups up, we've got He
was just yeah, bringing through people. Yeah, it worked out
(25:05):
really well.
Speaker 3 (25:06):
And was it just someone who was like, Noah, oh
buy that because the market's obviously crazy and we'd prefer
to snap it up now, not wait till it gets
on market, or like what happened?
Speaker 2 (25:15):
Yeah, So it was he wanted to do a bit
of a fix it up yourself because he was a
trading Oh cool, And it was a young couple, their
first place that they were buying, and so they were
also seeing how expensive everything was getting, and so yeah,
bit of well we'll snap up the one that's not
ready because we have the skills to improve.
Speaker 3 (25:33):
But yeah, yeah, because that means that obviously you would
have put thirty grand into it. So you're like, I'm
going to knock that off. But then they're probably saving
money because he's a trading and it's not going to
cost thirty grand to do what he wants to do
exactly money win. I love it. So then how much
profit did you then take and put into the next property?
Speaker 2 (25:52):
Yes, so I took pretty much. Everything just became my
deposit because I did upsize quite a bit. I did
have a partner at this time, which is partly why
I upsized to a three bedroom, two story, two lounge
room house and then we break up a month after
I moved in.
Speaker 3 (26:07):
Wait, wait, so why do you want it myself?
Speaker 2 (26:09):
Yeah?
Speaker 3 (26:09):
Okay, but what did this mean? Did you at any
stage go, oh, maybe we should buy together, or did
you just the whole time be like you're not invited,
you can't, you can't buy this with me. You can
live here, old judge, you rent like correct that go.
Speaker 2 (26:22):
Yeah, it was my house and he would have paid rent,
which was the same situation with the other house. The
partner then had paid rent. So it's always been my house, queen.
And I've predicted myself as much as I could. But yeah,
it now means that, oh, I'm going to big house
by myself, but against some more cats.
Speaker 3 (26:40):
I guess absolutely you should like, if there's going to
be a stereotype, we should absolutely lean in, you know.
Speaker 2 (26:46):
Yes, So bought this place for nine fifty even though
it was listed at one million, five hundred. Wow, And
I don't quite how I did that. Even the real
estate agent was like, I don't understand.
Speaker 3 (26:56):
You deserved it. That's what happened.
Speaker 2 (26:58):
The universe said, go exactly, and now the street everything's
kind of similar in the streets. So other houses with
exactly the same way out of mine have sold for
one point one and one point two. So I assume
I'm sitting on a bit of equity that.
Speaker 3 (27:12):
Is very nice. And have you spoken to someone about
like working out what that equity is or you're like,
at this point in time, I don't care. I've just
been talking to my financial advisor, and if I make
a decisional go and find out the dollar figure.
Speaker 2 (27:23):
Yeah, I was speaking with someone, but I wanted to
finish the bathroom renovation first, and so now that that's done,
we will probably get that reevaluated.
Speaker 3 (27:31):
Yeah, one hundred percent. And when you do get a broker,
whether it's one of my brokers or whether it is
somebody else, just make sure you ask them for an
in person one because often a bank will, especially if
you've got a house that didn't sell that long ago,
they'll do what's called a desktop review, and that's where
they basically just google the house, look at all the specs,
and go oh. In this industry, and they do what
(27:51):
you did. They look at your neighbors and go oh,
they sold for one point two, so she's worth one
point two. But you might have the best bathroom on
the street and the best everything on the street, and
we kind of need the bank to know that.
Speaker 2 (28:02):
Ye.
Speaker 3 (28:02):
All right, money darist, talk to me about personal insurance.
What does that look like for you?
Speaker 2 (28:07):
Yes, So when I bought my first place in twenty fifteen,
I looked at getting some insurances. My sister had gotten
really sick just after she'd bought her apartment, and so
that kind of scared me.
Speaker 3 (28:18):
Yes, absolutely, is she okay?
Speaker 2 (28:20):
Now? Yes, she's good. Good. I think I actually messaged
you at the time because like, I'm a I'm a
bigger girl, a bigger woman. And my I call it
the fat tex because I got a fifty percent loading
on my insurances even though I was three kilos over
what they wanted, and I was like, oh, I should
have lied. No, I shouldn't know if I shouldn't do
(28:40):
insurance for it, but three kilos they wouldn't have known
that looking at me.
Speaker 3 (28:45):
No, they wouldn't have. And like, but that's like it's
so important to be transparent as well, because hypothetically, if
something did happen and you went to claim and they
could prove that you were over, they would have come
down on you like a ton of bricks. But yeah,
I remember at the time, I was like, Okay, there
are actually options here. And a lot of people think, oh, well,
(29:05):
maybe I just can't get insurance because of my BMI
because that's what insurers default to, right, And I think
it is the most outdated system ever, Like we all
know that BMI is not reflective of your health anyway,
that's a conversation for another day, my friend. But there
are some insurers that are far more lenient and have
(29:27):
higher BMI, you know, things that they look at as
opposed to some insurers where we just go do you
know what, don't even go with them because like it's
just not going to put you in the best possible position.
How did that work out?
Speaker 2 (29:38):
Yes, so I did end up with we looked at
like another one, and so I did still have to
play a loading, but I did get the coverage and
then I reviewed that a few years ago with Sky.
Speaker 3 (29:48):
Well, oh she's in the game.
Speaker 2 (29:51):
She's in the cost or the cross promotions here.
Speaker 3 (29:54):
But also see, guys, people I know personally even take
these recommendations. It's not just podcasting.
Speaker 2 (30:00):
Yeah, I haven't reviewed them since I moved, and I
know that I'm probably slightly under insured with the new house,
but I do have income protection. I carried that over
from an old employer as well, so that actually didn't
have exclusions, which worked out really well. Money. Yeah, I
had like six months after I left to take it up,
and I was like, yes, yes, please.
Speaker 3 (30:20):
Thank you, I will take that. Do not ask questions.
Speaker 2 (30:25):
Exactly and I've got TVD and I've got accident, so
you know, and if I died, my family would just
sell the house. So it's not like I need to
pass money on to dependence. So on paper, i'm probably
slightly unendure insured, but I feel fairly comfortable with where
I'm at.
Speaker 3 (30:40):
Yeah, and is you said before? You know, if I
was to pass away, my family can just wrap stuff
up up. Unfortunately, it's a lot more complicated than that.
Do you have a will?
Speaker 2 (30:48):
Yes? I do, and I've idated it.
Speaker 3 (30:51):
I was about to say, and do they have access
to that will? You didn't write it on a nap
and and put it in the back of a cupboard
and hope that that would work.
Speaker 2 (31:00):
Multiple copies and they're dated and this look.
Speaker 3 (31:03):
At herck go, I'm so proud of you. This is
so good. All right, tell me what do you think
your best money habit is.
Speaker 2 (31:09):
I'd say it's still pretty frugal. So I'm doing a
ICA do it yourself hack at the moment where I'm
building Beauty and the Beast bookshelves and love.
Speaker 3 (31:20):
You sent me photos and I'm obsessed because i am too.
I got some quotes to some customer more drobes and
I was like, absolutely not.
Speaker 2 (31:27):
Yeah, the quote was fifteen thousand dollars, and so I
went to an Ikea hack. But then I also got
some of the stuff on marketplace because I was like,
I'm doing it cheap, but I'm doing it cheap cheap,
and the older Ikea stuff is better quality. So if
you can get anything on marketplace that you're gonna be
drilling into, I think that's better than buying brand new.
(31:49):
I also go to a lot of free events locally,
and I have I'm a big reader. I've read forty
eight books already this year.
Speaker 3 (31:58):
Like we were recording what are you doing?
Speaker 2 (32:01):
I can't afford that? Or I can, but it would,
you know, but I don't want I don't want to,
so I go to the library.
Speaker 3 (32:08):
I love that soo libraries are so underutilized. I was
watching and I'm like, I don't get the opportunity to
read a lot. But I do watch a fair few
like mini YouTube documentaries because I'm just I'm really cool
still okay, And there was one on like libraries dying
and you know, maybe this is the last generation of
(32:29):
genuine like librarians, and I was like, wait, what, No,
that's no. I hate that. I don't want to go
to a library and have it just be automated. That's
not the point, I know.
Speaker 2 (32:42):
And they're so lovely there. Like when I moved, I
was I'm walking distance from a library and I was like, oh,
how novel. They run all these intended no but I
love that it worked out that way. They recommend books
way better than any algorithm. Like it's just lovely.
Speaker 3 (32:57):
That's are so good and just it's such a hub
of community as well, and I love it. Harvey and
I we go to the library, we pick up his books.
He asks to go. I bought him a specific bag
to take to the library with his books. Like, I
just hope that that sticks around all right, flip it.
I don't know what it's going to be. This I
(33:18):
think is going to be really rogue. What is your
worst money habit?
Speaker 2 (33:22):
I think, you know, we spoke a bit earlier about
maybe sometimes we're being a bit too generous, spending too
much money without thinking about it on gifts or the cats.
A bit of a bleeding when it comes to like,
oh you need chemo, okay, so spent goodness, eighteen thousand
dollars on one of the cats and he passed.
Speaker 3 (33:40):
Away eighteen thousand dollars.
Speaker 2 (33:42):
Yeah, over three years. But yes, what like, I.
Speaker 3 (33:45):
Can't judge you for that. If my cat got sick,
I'm telling you right now, I should not have money, Like,
I should not have access to money. If they told
me even if I had no money, I think that's
one of the things that could send me into debt.
Speaker 2 (33:59):
Oh yeah, some of them. I would have done a
card back then. Yeah, this is a cat that passed
away a long time ago. But I just paid up
for that credit card debt and then COVID hit and
I lost my job and I was like, oh, no,
I have zero dollars, so that I get it. So yeah,
and probably a little bit too much on uber it's
if we're honest. But I've tried to build both of
(34:19):
those into my budget. I've got a spreadsheet and it
has percentages of where to click put everything out, and
so I have tried to build that. Okay, one per
cent of my salary goes to gifts, and if you
run out of money, then you're making the gifts.
Speaker 3 (34:32):
So I kind of like that. Now, tell me, now
that we've had a chat, what grade would you give
your money? Habits from a three to F because you
gave yourself a B and I'm really struggling with the B. Like, sorry,
it's twenty twenty six. You have a one point two
million dollar house, more than to your own fifty grand
and througher, you make more than one hundred and seventy
(34:53):
thousand dollars. You're single, you don't need no other person,
Like what would take you to an A?
Speaker 2 (35:00):
I think for me it's just having that outstanding debt
and I know it's going to take me, at my
current rates, depending on what the interest rates do nineteen
years to pay off my house. Oh she done all
the math. There's spreadsheets, everything's ruled by a spreadsheet, and
that's just a long time to be having this hanging
over my head. It didn't feel as stressed in my
(35:21):
last house because once the payments were a lot smaller
and I was still overpaying it, but what was due was,
you know, a lot less. So I think once that
goes down a bit, I'll just feel a bit more
safe and then I'll be like, oh, I'm in a
but yeah, that's the main thing. And my investment portfolio
it's not much. It's only like five grands, so if
(35:42):
I have more in there as well. I think those
two would bring me up to an A.
Speaker 3 (35:45):
But I think that you're killing it anyway, Like, be
so for real, you are still in the grand scheme
of wealth creation a baby, and you're so far ahead
of so many people in our community, and like we
don't compare. But like, I just feel like you're pretty
harsh on yourself.
Speaker 2 (36:04):
Yeah, And I think some of it is that, right.
The comparison is the thief of joy, for sure. And
I try and go, no, I did the best with
what I had at the time, But then I go, oh,
but I could have been here, I could have done this.
So I do try, and you know, keep those negative
filt patterns at Bay.
Speaker 3 (36:20):
Yeah, and I feel like we're so good at comparing
ourselves to our peers. And like, I'm assuming that your
comparison's given. You have a master's, you have a PhD.
You've got a pretty damn impressive job. I would assume
that the people you're surrounded by are like, ah, we
went and looked at another investment property on the weekend,
or that's crazy. I bought my wife and you car,
(36:41):
I wish I should have got an opinion on that, like,
I'm sure that there's a lot of like frivolous spending,
but also just more wealth, and I feel like that's
something that we should also point out quite regularly as well,
because the circles that you transacting become the point of
reference for parison, and that doesn't mean that that's the
(37:02):
normal the average. Yeah, that's okay, because that's like your normal.
But like you're killing it, Like I want to fight
with you on the b but like, honestly, you're much
smarter than me, and I'm not willing to start that argument.
Money Diarist, thank you so much for having a child.
I feel like we've been here, there and everywhere across
(37:22):
this episode, but like, what a good episode to share
with the community. Thank you so much for spending so
much time with me and just yeah, being so open
with the community. I love it.
Speaker 2 (37:32):
Thank you.
Speaker 4 (37:38):
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 or financial decision.
If you do choose to buy a financial product, read
the PDS, TMD and obtain appropriate financial.
Speaker 3 (37:57):
Advice tailored towards your needs.
Speaker 4 (37:59):
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Speaker 3 (38:11):
One two eight nine
My name is Satasha Bamblet. I'm a proud First Nations
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Kaka yah y and Binahaka Nian our gay In Nimbini,
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(00:24):
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She's on the Money podcast acknowledges culture, country, community and connections,
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Speaker 2 (00:45):
She's on the Money. She's on the Money.
Speaker 3 (00:51):
Hello and welcome to She's on the Money. The podcast
let you be pervy about other people's money circumstances for
educational purposes of core. Yes, welcome back to another one
of our money diaries, brought to you by our friends
from Sky Wealth, where I get the absolute privilege of
sitting down with one of our incredible She's on the
Money community members and talking to them all about their journey.
(01:12):
Let's jump straight into it, because this week I got
a message and it sounded exactly like this. Hi, She's
on the Money. I come from a working class family.
I had no financial education except for one hairy accounting elective,
and instead taught myself along the way. I now see
what I could have done differently, but remind myself that
I did the best I could with the knowledge I
(01:33):
had at the time. I also did it my way
and by myself. I worked throughout my studies and climbed
the career ladder in corporate while finishing my master's and PhD.
In twenty fifteen, I bought a unit by myself. Looking back,
I'm so lucky that it worked out. If what's happening
to interest rates now happened, then this would be a
(01:54):
very different money diary. I sold at quite a profit
in twenty twenty four and bought my forever home solo again.
I'm now thirty six with more than two hundred and
fifty thousand dollars in super a home worth one point
two million dollars and a small but growing investment portfolio
money diarist.
Speaker 2 (02:13):
Hello, hello, be so for real.
Speaker 3 (02:17):
That is so so cool. But also you know my
ex boyfriend and this is really weird because we used
to hang out when I was like twenty at house parties.
Speaker 2 (02:26):
I know, I know, I've come a long way since then,
and so have you.
Speaker 3 (02:30):
Girl, same Like, please put me in that bucket, like
I was saying to you just before. We have to
tell the community this because they need the background law.
But I'm really excited about this because not only did
you know me when I was twenty, I knew you
when you were twenty, And go look at us now.
Speaker 2 (02:50):
I know I'm a little bit older than you, but yeah, yeah,
well I.
Speaker 3 (02:55):
Am thirty five, you are thirty six. Sit down, all right,
let's dive into a money because I'm just genuinely as
someone who knew baby you getting to know your money dirry.
Now I'm going to be able to like place it
so much better. And I hope that that I don't know,
I hope that translates to the community getting an epic
money diry as well. So let's dive straight in money diaries.
(03:18):
What grade would you give your money habits if I
asked you to give them out a grade from A
through to F.
Speaker 2 (03:23):
I think a B, maybe a B plus love.
Speaker 3 (03:26):
Let's learn more about it. Can you tell me a
little bit more about your money story and the things
that have impacted it.
Speaker 2 (03:32):
Yeah. So, I'm the youngest of four. My dad was
a trade mum was a stay at home mum, so
money was tight, and there was also no financial education.
They didn't know anything. They still don't. They're retired now,
like they're okay, but they're not rich. Dad always says
to me that he doesn't know where I learned this
when I'm telling him what I'm doing with investments, and
(03:52):
every time he comes and walks into my house. I
got my first job at fourteen nine months and I
haven't stopped working nints. I made eight dollars and eight
cents an hour my first job.
Speaker 3 (04:05):
Dollars and eight cents. That is so specific.
Speaker 2 (04:08):
I love it, still remember it, and it's still my frame.
Like if I buy a jacket, I'm like, ah, is
this worth ten hours of work?
Speaker 3 (04:14):
Oh my goodness. I've de faulked to that as well.
I'm always like, oh my god, it's fifty bucks. That's
like three hours of work. And then I'm like, hold on,
hold on your.
Speaker 2 (04:23):
Stuff in the past.
Speaker 3 (04:24):
Yeah exactly, But also that's still a lot of money.
Speaker 2 (04:27):
Yes, I know, right, and so yeah, I've been working
since then, have a pretty hard working ethos. There have
been times in my life since then that I've had
no money. I had no money. I get the start
of COVID and then I lost my job. But it's
always been okay. I've always kind of bounced back, and yeah,
worked the whole way through studying. One of the ways
that I guess I saved money back then was and
(04:49):
this is a hack I tell anyone. I don't know
if you remember this. I didn't live anywhere from eighteen
to twenty five. I just house sat really, yeah, I
just looked after dogs and cats.
Speaker 3 (05:00):
How did I even notice that?
Speaker 2 (05:02):
Yeah, so I saved so much money.
Speaker 3 (05:04):
I thought you just lived with your parents in between.
Speaker 2 (05:07):
Yeah, so if I wasn't doing a house sit, but
I saved a lot of money that way. And that's
how I bought my first house so young, because I
had never paid rent.
Speaker 3 (05:15):
That is so cool, but also just like such hustle, Like, yeah,
I love that for you, But was it a lot
being everywhere and nowhere? At the same time.
Speaker 2 (05:26):
Yeah, and I didn't even have a license back then,
so I'd be lugging a suitcase around and going to
work from different places, going to UNI, from different suburbs.
But it means I got to see where I wanted
to live. I got to live all over Melbourne and
figure out what area I like.
Speaker 3 (05:40):
That is very cool. So tell me what does it
because I'm just taking a stab in the dark right now. Like,
you've got a house worth one point two mil. You've
got two hundred and fifty grand in super He gave
me a little bit of insight into your parents. What
is it like being in a better financial position than
your parents? Like he's there, Yeah, different dynamic. What does
(06:03):
that look like?
Speaker 2 (06:04):
Yeah, it is interesting. I remember a while ago Dad
asked me, he doesn't know exactly what I make, but
he knows how much I've bought my house for.
Speaker 3 (06:11):
And he's also like, I've got a daughter. She's the
youngest daughter. She's a hustler and has a master's and
a PhD. So I don't think it's four.
Speaker 2 (06:18):
Dollars, Yeah exactly, he said, you know, are you earning
over one hundred thousand dollars? And I was and I
was like yeah, and he said, oh god, it took
me decades to earn that much, which is true. But
also with the you know, the buying power that that
money gets you, I'm like, I have done all of
this by myself. I do have a very big mortgage,
so yeah, some paper to my parents. I make a
(06:39):
lot of money, and I do, but a lot of
it's tied up going off to quite a big mortgage
and you know, all my other living expenses. I don't
have a partner to split the bills with. But yeah,
it can be awkward at times, and I can be
a bit more generous than they are money wise in
terms of presents. But for me, presents are about the thought,
not what it is.
Speaker 3 (07:00):
Yeah, that's never bothered me totally, and I really resonate
with that because, like as somebody who's also in a
financial position, where oh, do you know how cool it is?
Like genuinely, I didn't know, Like, you know, when you
don't have money, you don't think about this, but you know,
you might go to Chasden and want to purchase something
for your sister or purchase something for your mum, and
you just go, oh, that'd be so cool. But I
(07:21):
can't do it, Like I never thought that getting into
a financial position like I'm in now, I meant I
can do that, and like it sparks so much joy,
like the idea that if my mom wants something and
it's her birthday, I can just get it, Like it's
so much fun and I forget that. Sometimes people are
(07:43):
like Victoria, are you sure, And I'm like, girl, i
don't know how to tell you this, but I'm almost
certain I'm getting more out of this than you're getting
out of this, Like, and it's such a privilege.
Speaker 2 (07:54):
That absolutely is. I do feel so cool bad sometimes
when my siblings are like, that's too much money to
have given child, and I'm like, whoops.
Speaker 3 (08:02):
Whoops, I don't have my own. That's so good, all right?
So do your parents know what you were now or
if you kind of always skirted around telling.
Speaker 2 (08:11):
Them no, they don't know a dollar figure. They just
say a lot And I'm like, sure.
Speaker 3 (08:16):
Oh wow, And is that because in those conversations where
they're like, oh, can you afford that house? Because I
can think that parents kind of sometimes default to money diarist,
like we want to make sure that you're not making
a bad financial decision. Are you okay can you afford this?
Like I'm assuming that's where it's coming from. Is that
cause you withhold that number because you're awkward about it?
Or is that because you're just like, oh, I don't
(08:37):
really want that out there, or you know, what's the
thought process?
Speaker 2 (08:41):
Yeah? I think originally it was not wanting them to
change anything, feel awkward or I don't know, put more
pressure on me. Not that I thought they'd ask for money,
but that maybe they'd treat me different, and you know,
we're going out for dinner, they'd be like, well pay
for everyone except for money. To I was like, I
don't want that. I don't want to spotlighter.
Speaker 3 (09:01):
I doubt that they would do that. I tell us,
tell us, what do you do for work? How much
money do you earn?
Speaker 2 (09:06):
Yes? So I work in research and development at a
not for profit, and I also have a few side
hustles where I teach adults to a changing career. I
do a bit of writing. So my taxable income ends
up to be one hundred and seventy seven. OK.
Speaker 3 (09:19):
That is a lot more than one hundred grand, isn't it?
Speaker 1 (09:22):
It is?
Speaker 2 (09:22):
And I work it enough profit right, So I've got
not for profit benefits that actually lower my text.
Speaker 3 (09:27):
And also, like, don't get me wrong, I adore that
you work in a not for profit and knowing you
you know, not super well, but knowing past you and
current you to an extent, I would say that we
talk on Instagram at least once a week. I feel
like I know that a not for profit suits you.
But hypothetically, if you ever wanted to go into corporate
you could probably double your income exactly.
Speaker 2 (09:48):
Yeah, I always say this pesky morals. I can make
a lot of money if I work somewhere else.
Speaker 3 (09:54):
Girl, If I turned cheese on the money into a
pyramid scheme for reals, like, I could be at the
top of the triangle of opportunity. Yes, all right, so
tell me what is your big money goal, because it
looks like you've achieved a lot already.
Speaker 2 (10:12):
Yeah. So when I bought the second or my forever home,
I guess my second house one at a time. I
don't have an investment property. It needs a bit of work.
So that's been what I've been working away on. I
designed my own suite, which ate most of my savings.
Speaker 3 (10:27):
Yes, was that more expensive than you thought it would?
Speaker 2 (10:30):
Be my god. It was so expensive and I did
go bougie for my own suite, but just the cost
of the actual labor was surprising. It was a lot
higher than I thought. And because Dad was a tradee,
he thought I was getting ripped off. But then I
got several quotes and I was like, this is the
cheapest by ten thousand, Like it's that's crazy. It's expensive
(10:51):
and ate. I didn't even have an emergency fund when
I moved, which I know wasn't great, but I had
a bit of a life loss and a money win.
That means I got some money from the victim of
crime financial assistance. So that is now my emergency fund
and I won't touch it. It won't be used on
any of the next home improvements. I'm slowly saving up
for them and doing some do it yourself to save
(11:13):
some money there too, And so yeah, the goal is
to make this my dream house and to pay it
off and keep growing my investments.
Speaker 3 (11:21):
That is so cool. So like, your ultimate money goal
is basically what you're already working on and the things
that you've already achieved, just making them bigger and better. Yeah,
I am obsessed. Now you touched on something that I
don't want to dive too deep into. But when you
said you got some cash from the Victims of Crime Unit, yes,
what can you tell me about that? Just because I
(11:43):
think we don't have enough conversations about stuff like this.
It's something that I think a lot of people have
probably I don't know if you've shared this publicly as
in with your friends, but a lot of people don't
know it's a thing.
Speaker 2 (11:54):
Yeah. So the old scheme was really hard, and you
had to really prove had happened and fill out all
these forms and go to different people. And so I
got in about halfway through that installed and then they
changed the scheme and so if you've been through a
crime in the state of Victoria, you can apply for
getting money back for things related to the crime. So
(12:15):
I had put cameras around my house because of the
crime happened at my house, and I had gone to therapy,
and so I was just asking for reimbursements from that.
But then the caseworker assigned to my case was amazing
and she said, hey, you can get a financial like
lump subsum because this is a Class A crime, which
means you can get up to twenty thousand dollars in cash,
(12:38):
and so she helped me through that. I just needed
a statement from my psychologist. She didn't even have to
fill out a form, she just had to like write
a paragraph and then it was really quick from there.
So it worked out well.
Speaker 3 (12:51):
And so that cash does hit your account and it's
now your emergency fund. Yes, does that make you feel
a lot more just secure in general?
Speaker 4 (13:00):
Yeah?
Speaker 2 (13:00):
Absolutely, because with like what the job market's doing at
the moment in my sector, I know some people are
losing their job and I don't have a safety net.
And like I said, I don't have a partner. My
parents don't have the financial means to support me. So
if I lost my job and it took me a
while to find my job, servicing the mortgage would be
a big, big stresser. But now I've got a few
(13:20):
months or more than a few months in that emergency fund,
So that really helps.
Speaker 3 (13:26):
Can I ask you about being single, because I feel
like so many of our shoes on the money friends
are single and you're killing it, Like what do you
mean You're like, I'm more than one hundred and seventy grand,
Like you've got your own house, you just live love
laughing like another human being. I'm assuming would have to
add significant value to your life for you to be like, yeah,
(13:48):
I guess you could tag along. Yeah, tell me what
is it like being single at thirty six? Because I
can see the benefits, but I can also see that
for a lot of our community, they're like, what is
wrong with the world? Am I ever going to meet
my prayer?
Speaker 2 (14:01):
Yeah? I mean, look, I feel that, especially if you're
ever on the apps, You're like, oh God, is this?
This is all this left? I don't want kids, so
I don't have a time pressure. Yeah, I don't need
to get partnered up. I mean, you can obviously have
a kid without a partner, but that has its additional term.
Speaker 3 (14:16):
That's your choice.
Speaker 2 (14:17):
That's also not my jose, So I don't really feel
a pressure to get a partner. Like you said, someone
would have to add to my life rather than detract
from it. And I've been through some pretty bad relationships.
The class A crime was related to something with a relationship,
so it's not really a goal of mine. But then
I do know, like, well, financially it would be easier,
(14:38):
and sometimes I think I've had a hard date. Would
be nice if there was a partner to have a
chat too.
Speaker 3 (14:43):
But call me babe. I'm really good at wine. Yes,
you can do that, so tell me a little bit more.
I guess about that side of things because we talk
a lot about single tax. Yeah, how do you feel
about that? Is that unfair? Is it just like the
cost of being single in this economy? Is it something
(15:04):
that you're like the government should absolutely be helping us
a little bit more, because like what you do, you're
very intelligent, and I just really want your opinion on this.
Speaker 2 (15:13):
Yeah, I guess. I mean I have made the choice.
I live in a three bedroom house by myself, so
me dining her because I wanted to study away from
home quite a bit.
Speaker 3 (15:22):
Oh well, then obviously you need a whole.
Speaker 2 (15:24):
House with three it's fair bedroom in the study.
Speaker 3 (15:27):
God forbid, we work from the dining table.
Speaker 2 (15:30):
Well I used to do that at the unit, but
I felt like I lived at work. That's not you know.
But so I've made this choice. So sure, I've got
an electrical bill that it doesn't half I have lived
with a partner before, and when he moved out, it
didn't half like the service charges more So I don't
know if they could, but I still have made this choice,
so I'm into minds about it. I see you know, yes,
(15:53):
people are struggling. But then oh, I've made a choice.
I could live with housemates. It's more the structural stuff,
like I want to go on a holiday, Oh, the
price is per person twin share? Oh okay, well do
I have to what's the price for one person? Hotels
obviously been more expensive. You could never go on a
cruise because there's not really like that. Maybe there are
(16:14):
are unsom but there's not like bunks, so you can't
do it a cheaper way. Those are the things that
I'm like, oh, okay, yeah, there's the there's the double
cost for me because I don't have someone to split
the hotel with or whatever.
Speaker 3 (16:27):
Yeah. I really feel like it's a bit deceptive when
they say, oh, it's like a thousand dollars ahead and
you go great, But there was always a built in minimum,
Like just say there rooms two thousand dollars and you
can share it with two people, and it's an additional
fee for one. More like, just brand it to me
differently so it doesn't feel like I'm paying for someone
(16:49):
to be there when they're not going to use that.
Speaker 2 (16:52):
Yeah, exactly. Although once I did get too welcome lines,
so I was like, okay.
Speaker 3 (16:57):
Well, you know what, all the conversation and we've just
had in the bin and she got two welcome lines.
Speaker 2 (17:03):
It was worth that one glass of champagne?
Speaker 3 (17:05):
Is that the money we I don't know, You're already
probably paying doubles. They were probably like this woman's paying double,
she deserves two wines. Yeah, all right, money direst, let's
go to a really quick break because I want to
get your thoughts on investment property. I want to talk
about debt, insurances and your best and worst money habits.
So don't go anywhere. All right, money diarist, we are back,
(17:30):
and you said something before that. I was like, oh, interesting,
what's your thoughts on investment properties?
Speaker 2 (17:37):
Yeah, this is definitely something I was thinking about because
I only had like two point fifty k remaining on
my mortgage at my old house, and I was like, oh,
do I keep it as an investment property? Do I
stay and try and pay it off? But if I
did that, I looked at my borrowing capacity and I
was like, oh, well, I'm not going to get into
the forever home and then I'd have to make another
(17:59):
intrum steps. So I sold that I bought the Forever home.
But actually just recently I was showing to a financial
advisor and this is the second one who's raised it,
who were like, you've got a lot of equity in
your home, you could get an investment property. And I
was like, oh, but that just seems like more Again
for a single person, I'm taking a more risk, and
(18:19):
so I kind of said, oh, I don't know if
it's for me. Their brokers run some numbers they sounded
too good to be true. So I was actually going
to book in with Zella Money to be like, what
is the like reality here.
Speaker 3 (18:32):
Well, one of my mortgage brokers did just get put
up for Mortgage Broker of the Year again, so amazing
she's got it together. But also it is a lot
to talk about, and even if something makes sense quote
on paper, and even if the numbers, you know, let's
pretend they're not too good to be true, they're just
really good numbers, and you're like, wow, that could work
out for me, Like it does all fall back on you,
(18:54):
Like it's not as though if something happened to you,
it's all right. We get pie on my partners in calm,
and then I get income protection, like if you're getting
income protection, And this is something that when I was
a financial advisor, I used to talk to my single
clients a lot about a lot of that is going
to be sooaked up with support for you as opposed
to it defaulting to your partner. And I'm not saying
(19:16):
that's the right thing, but often it would default to
your partner and yet would use that money to pay
off your mortgages or you know, live love laugh. But
if you're single and you can't lift a finger because
you've broken something yesterday, well, what are you going to do?
You either have to rely on your parents, which unfortunately
right now we're in similar positions. We're in our thirties,
(19:37):
our parents are aging. We cannot be relying on them
to be like, oh, I'll come over and give money
to arrest us spongebath, like we're going to have to
pay for these things. So what would that look like?
And you're right, it is more risk. It's not something
that is super terrifying. It's not to say you shouldn't
do it, but it is definitely something to go. Well,
if you want to remain completely financially independent, what does
(19:59):
that look like? Has a financial adviser brought up the
conversation of debt recycling to you.
Speaker 2 (20:05):
No, so I mentioned it to this personasts by the chair.
Yeah exactly. I actually bought my niece your book, even
though she's like fourteen, because I was doing this and
I bought her shares and stuff. I was like, you're
going to be better off than I have been.
Speaker 3 (20:22):
I love that so much.
Speaker 2 (20:24):
Yeah, so I haven't looked into it in a lot
of detail. I know what it is in theory from
your podcast, and that's what I was kind of saying
to them, Like, the only exposure I have to property
at the moment besides my home, which is my house,
is I do have a reate in my share portfolio.
So I just feel like that shares and maybe some
debt recycling into getting into more shares is safer for
(20:48):
me than having this whole other house. Because yeah, like
we just said, I don't have a safety net. It
would all be on me if something were to go wrong,
and I've been through two redundancies, so I'm like, oh,
do I ever want to do that again?
Speaker 3 (21:02):
Like that, you're stressful and you kind of have to
role play it out in your mind and be like,
if I did this and hypothetically I was made redundant again,
how would I feel? And a lot of the time,
you know, I'm reading between the lines here, you would go, oh,
I'm actually not comfortable with that. That would send me
off a cliff. I absolutely don't want to do that.
But something like debt recycling could work to your advantage
(21:23):
where we're, you know, trying to maximize the fact that
you currently don't have deductible debt. We could create some
deductible debt, put you in a situation where you are
kind of turbocharging your investment. But if you were made redundant,
there's not another mortgage repayment and a tenant moving out
all at the one time. And I think that that's
where our definitions of quote a safe investment need to
(21:46):
be very strictly defined, because what does that mean, Like,
it actually means most of the time that our money
dis just feel safer, not they're on paper one safer
than the other. Because you could argue that property is
actually a lower risk asset class. But the reality is
sometimes we just need to take the option that makes
(22:09):
us less money, because ultimately it puts us in the
best possible mental and financial position, and I think there's
a really good balance there money. Doris, tell me about debt.
How much debt are you in? How do you feel
about it? Obviously, being made redundant with debt would absolutely suck.
Speaker 2 (22:25):
What's that like? Yes, so the redundancy was actually really fatuitous,
the second one anyway, because I walked straight into another job.
So Queen, yeah, I like a recruiter reached out to
me that day and I was like, yes. So I
ended up just having a lump sum that actually extinguished
one of my mortgages, like the split mortgage.
Speaker 3 (22:47):
Yeah, okay, so now I have.
Speaker 2 (22:48):
Seven hundred and fifty K debt on my mortgage. I
don't have any hex, I don't have any car loan.
I do have a credit card for emergencies, but I've
never used this one. I did have one that I
used frequently ten years ago, and I did have, you know, debt.
Sometimes I would carry over, but it never really felt
out of control, and I was always like, oh, there'll
(23:09):
be more money. But I think now again, looking back
on some of the things I did, I'm like, oh,
I could have done that better. But I did the
best for the information I had at the time, and
it's set me up for where I am now, which
is a lot more of a structured approach and bill
buckets and different savers and everything's automated.
Speaker 3 (23:27):
And okay, icon, Yeah, can I ask a little bit more?
I don't know, what did you buy your last apartment for?
What did you sell it for? And then I've got
more questions to follow on. I just don't want to
overload you because there are manyes.
Speaker 2 (23:40):
So the place I bought in twenty fifteen, I bought
for four hundred and ninety. The market was crazy at
that time. So ended up buying like directly on a
train line, the only way I could afford to get
into the suburb I want it. I was then having
the discussions with my real estate agent ten years later
about oh do I do I keep it as an
(24:01):
investment property, and we were looking at some of the
works I had to do because there's some kitty cats
and there was just some stains on the carpet, and
what kind of stuff do I have to do? We
were getting those quotes and then he said, down tools,
I've got a tradee who is interested. So I ended
up selling it off market. I took into account it
was so good, but it happened much quicker than I
(24:22):
was expecting, and I was like, oh my god, to
go by my house. Yeah, so I took off thirty
k from the price because that's how much the improvements
I were going to put in was. So I sold
it for six seventy.
Speaker 3 (24:32):
Oh okay, very nice. And how did that off market happen?
Did you start any of the improvements and like literally
have to put down tools or what did that look like?
Speaker 2 (24:43):
Yeah, we were still in the quoting phase. So I
had a list of things that the real estate agent
thought I should do. And he's the one I bought
the house off, and I kind of just know him
from around the local area, and so I was about
to buy the floorboards and about to do this stuff
and he was like, stops ups up, we've got He
was just yeah, bringing through people. Yeah, it worked out
(25:05):
really well.
Speaker 3 (25:06):
And was it just someone who was like, Noah, oh
buy that because the market's obviously crazy and we'd prefer
to snap it up now, not wait till it gets
on market, or like what happened?
Speaker 2 (25:15):
Yeah, So it was he wanted to do a bit
of a fix it up yourself because he was a
trading Oh cool, And it was a young couple, their
first place that they were buying, and so they were
also seeing how expensive everything was getting, and so yeah,
bit of well we'll snap up the one that's not
ready because we have the skills to improve.
Speaker 3 (25:33):
But yeah, yeah, because that means that obviously you would
have put thirty grand into it. So you're like, I'm
going to knock that off. But then they're probably saving
money because he's a trading and it's not going to
cost thirty grand to do what he wants to do
exactly money win. I love it. So then how much
profit did you then take and put into the next property?
Speaker 2 (25:52):
Yes, so I took pretty much. Everything just became my
deposit because I did upsize quite a bit. I did
have a partner at this time, which is partly why
I upsized to a three bedroom, two story, two lounge
room house and then we break up a month after
I moved in.
Speaker 3 (26:07):
Wait, wait, so why do you want it myself?
Speaker 2 (26:09):
Yeah?
Speaker 3 (26:09):
Okay, but what did this mean? Did you at any
stage go, oh, maybe we should buy together, or did
you just the whole time be like you're not invited,
you can't, you can't buy this with me. You can
live here, old judge, you rent like correct that go.
Speaker 2 (26:22):
Yeah, it was my house and he would have paid rent,
which was the same situation with the other house. The
partner then had paid rent. So it's always been my house, queen.
And I've predicted myself as much as I could. But yeah,
it now means that, oh, I'm going to big house
by myself, but against some more cats.
Speaker 3 (26:40):
I guess absolutely you should like, if there's going to
be a stereotype, we should absolutely lean in, you know.
Speaker 2 (26:46):
Yes, So bought this place for nine fifty even though
it was listed at one million, five hundred. Wow, And
I don't quite how I did that. Even the real
estate agent was like, I don't understand.
Speaker 3 (26:56):
You deserved it. That's what happened.
Speaker 2 (26:58):
The universe said, go exactly, and now the street everything's
kind of similar in the streets. So other houses with
exactly the same way out of mine have sold for
one point one and one point two. So I assume
I'm sitting on a bit of equity that.
Speaker 3 (27:12):
Is very nice. And have you spoken to someone about
like working out what that equity is or you're like,
at this point in time, I don't care. I've just
been talking to my financial advisor, and if I make
a decisional go and find out the dollar figure.
Speaker 2 (27:23):
Yeah, I was speaking with someone, but I wanted to
finish the bathroom renovation first, and so now that that's done,
we will probably get that reevaluated.
Speaker 3 (27:31):
Yeah, one hundred percent. And when you do get a broker,
whether it's one of my brokers or whether it is
somebody else, just make sure you ask them for an
in person one because often a bank will, especially if
you've got a house that didn't sell that long ago,
they'll do what's called a desktop review, and that's where
they basically just google the house, look at all the specs,
and go oh. In this industry, and they do what
(27:51):
you did. They look at your neighbors and go oh,
they sold for one point two, so she's worth one
point two. But you might have the best bathroom on
the street and the best everything on the street, and
we kind of need the bank to know that.
Speaker 2 (28:02):
Ye.
Speaker 3 (28:02):
All right, money darist, talk to me about personal insurance.
What does that look like for you?
Speaker 2 (28:07):
Yes, So when I bought my first place in twenty fifteen,
I looked at getting some insurances. My sister had gotten
really sick just after she'd bought her apartment, and so
that kind of scared me.
Speaker 3 (28:18):
Yes, absolutely, is she okay?
Speaker 2 (28:20):
Now? Yes, she's good. Good. I think I actually messaged
you at the time because like, I'm a I'm a
bigger girl, a bigger woman. And my I call it
the fat tex because I got a fifty percent loading
on my insurances even though I was three kilos over
what they wanted, and I was like, oh, I should
have lied. No, I shouldn't know if I shouldn't do
(28:40):
insurance for it, but three kilos they wouldn't have known
that looking at me.
Speaker 3 (28:45):
No, they wouldn't have. And like, but that's like it's
so important to be transparent as well, because hypothetically, if
something did happen and you went to claim and they
could prove that you were over, they would have come
down on you like a ton of bricks. But yeah,
I remember at the time, I was like, Okay, there
are actually options here. And a lot of people think, oh, well,
(29:05):
maybe I just can't get insurance because of my BMI
because that's what insurers default to, right, And I think
it is the most outdated system ever, Like we all
know that BMI is not reflective of your health anyway,
that's a conversation for another day, my friend. But there
are some insurers that are far more lenient and have
(29:27):
higher BMI, you know, things that they look at as
opposed to some insurers where we just go do you
know what, don't even go with them because like it's
just not going to put you in the best possible position.
How did that work out?
Speaker 2 (29:38):
Yes, so I did end up with we looked at
like another one, and so I did still have to
play a loading, but I did get the coverage and
then I reviewed that a few years ago with Sky.
Speaker 3 (29:48):
Well, oh she's in the game.
Speaker 2 (29:51):
She's in the cost or the cross promotions here.
Speaker 3 (29:54):
But also see, guys, people I know personally even take
these recommendations. It's not just podcasting.
Speaker 2 (30:00):
Yeah, I haven't reviewed them since I moved, and I
know that I'm probably slightly under insured with the new house,
but I do have income protection. I carried that over
from an old employer as well, so that actually didn't
have exclusions, which worked out really well. Money. Yeah, I
had like six months after I left to take it up,
and I was like, yes, yes, please.
Speaker 3 (30:20):
Thank you, I will take that. Do not ask questions.
Speaker 2 (30:25):
Exactly and I've got TVD and I've got accident, so
you know, and if I died, my family would just
sell the house. So it's not like I need to
pass money on to dependence. So on paper, i'm probably
slightly unendure insured, but I feel fairly comfortable with where
I'm at.
Speaker 3 (30:40):
Yeah, and is you said before? You know, if I
was to pass away, my family can just wrap stuff
up up. Unfortunately, it's a lot more complicated than that.
Do you have a will?
Speaker 2 (30:48):
Yes? I do, and I've idated it.
Speaker 3 (30:51):
I was about to say, and do they have access
to that will? You didn't write it on a nap
and and put it in the back of a cupboard
and hope that that would work.
Speaker 2 (31:00):
Multiple copies and they're dated and this look.
Speaker 3 (31:03):
At herck go, I'm so proud of you. This is
so good. All right, tell me what do you think
your best money habit is.
Speaker 2 (31:09):
I'd say it's still pretty frugal. So I'm doing a
ICA do it yourself hack at the moment where I'm
building Beauty and the Beast bookshelves and love.
Speaker 3 (31:20):
You sent me photos and I'm obsessed because i am too.
I got some quotes to some customer more drobes and
I was like, absolutely not.
Speaker 2 (31:27):
Yeah, the quote was fifteen thousand dollars, and so I
went to an Ikea hack. But then I also got
some of the stuff on marketplace because I was like,
I'm doing it cheap, but I'm doing it cheap cheap,
and the older Ikea stuff is better quality. So if
you can get anything on marketplace that you're gonna be
drilling into, I think that's better than buying brand new.
(31:49):
I also go to a lot of free events locally,
and I have I'm a big reader. I've read forty
eight books already this year.
Speaker 3 (31:58):
Like we were recording what are you doing?
Speaker 2 (32:01):
I can't afford that? Or I can, but it would,
you know, but I don't want I don't want to,
so I go to the library.
Speaker 3 (32:08):
I love that soo libraries are so underutilized. I was
watching and I'm like, I don't get the opportunity to
read a lot. But I do watch a fair few
like mini YouTube documentaries because I'm just I'm really cool
still okay, And there was one on like libraries dying
and you know, maybe this is the last generation of
(32:29):
genuine like librarians, and I was like, wait, what, No,
that's no. I hate that. I don't want to go
to a library and have it just be automated. That's
not the point, I know.
Speaker 2 (32:42):
And they're so lovely there. Like when I moved, I
was I'm walking distance from a library and I was like, oh,
how novel. They run all these intended no but I
love that it worked out that way. They recommend books
way better than any algorithm. Like it's just lovely.
Speaker 3 (32:57):
That's are so good and just it's such a hub
of community as well, and I love it. Harvey and
I we go to the library, we pick up his books.
He asks to go. I bought him a specific bag
to take to the library with his books. Like, I
just hope that that sticks around all right, flip it.
I don't know what it's going to be. This I
(33:18):
think is going to be really rogue. What is your
worst money habit?
Speaker 2 (33:22):
I think, you know, we spoke a bit earlier about
maybe sometimes we're being a bit too generous, spending too
much money without thinking about it on gifts or the cats.
A bit of a bleeding when it comes to like,
oh you need chemo, okay, so spent goodness, eighteen thousand
dollars on one of the cats and he passed.
Speaker 3 (33:40):
Away eighteen thousand dollars.
Speaker 2 (33:42):
Yeah, over three years. But yes, what like, I.
Speaker 3 (33:45):
Can't judge you for that. If my cat got sick,
I'm telling you right now, I should not have money, Like,
I should not have access to money. If they told
me even if I had no money, I think that's
one of the things that could send me into debt.
Speaker 2 (33:59):
Oh yeah, some of them. I would have done a
card back then. Yeah, this is a cat that passed
away a long time ago. But I just paid up
for that credit card debt and then COVID hit and
I lost my job and I was like, oh, no,
I have zero dollars, so that I get it. So yeah,
and probably a little bit too much on uber it's
if we're honest. But I've tried to build both of
(34:19):
those into my budget. I've got a spreadsheet and it
has percentages of where to click put everything out, and
so I have tried to build that. Okay, one per
cent of my salary goes to gifts, and if you
run out of money, then you're making the gifts.
Speaker 3 (34:32):
So I kind of like that. Now, tell me, now
that we've had a chat, what grade would you give
your money? Habits from a three to F because you
gave yourself a B and I'm really struggling with the B. Like, sorry,
it's twenty twenty six. You have a one point two
million dollar house, more than to your own fifty grand
and througher, you make more than one hundred and seventy
(34:53):
thousand dollars. You're single, you don't need no other person,
Like what would take you to an A?
Speaker 2 (35:00):
I think for me it's just having that outstanding debt
and I know it's going to take me, at my
current rates, depending on what the interest rates do nineteen
years to pay off my house. Oh she done all
the math. There's spreadsheets, everything's ruled by a spreadsheet, and
that's just a long time to be having this hanging
over my head. It didn't feel as stressed in my
(35:21):
last house because once the payments were a lot smaller
and I was still overpaying it, but what was due was,
you know, a lot less. So I think once that
goes down a bit, I'll just feel a bit more
safe and then I'll be like, oh, I'm in a
but yeah, that's the main thing. And my investment portfolio
it's not much. It's only like five grands, so if
(35:42):
I have more in there as well. I think those
two would bring me up to an A.
Speaker 3 (35:45):
But I think that you're killing it anyway, Like, be
so for real, you are still in the grand scheme
of wealth creation a baby, and you're so far ahead
of so many people in our community, and like we
don't compare. But like, I just feel like you're pretty
harsh on yourself.
Speaker 2 (36:04):
Yeah, And I think some of it is that, right.
The comparison is the thief of joy, for sure. And
I try and go, no, I did the best with
what I had at the time, But then I go, oh,
but I could have been here, I could have done this.
So I do try, and you know, keep those negative
filt patterns at Bay.
Speaker 3 (36:20):
Yeah, and I feel like we're so good at comparing
ourselves to our peers. And like, I'm assuming that your
comparison's given. You have a master's, you have a PhD.
You've got a pretty damn impressive job. I would assume
that the people you're surrounded by are like, ah, we
went and looked at another investment property on the weekend,
or that's crazy. I bought my wife and you car,
(36:41):
I wish I should have got an opinion on that, like,
I'm sure that there's a lot of like frivolous spending,
but also just more wealth, and I feel like that's
something that we should also point out quite regularly as well,
because the circles that you transacting become the point of
reference for parison, and that doesn't mean that that's the
(37:02):
normal the average. Yeah, that's okay, because that's like your normal.
But like you're killing it, Like I want to fight
with you on the b but like, honestly, you're much
smarter than me, and I'm not willing to start that argument.
Money Diarist, thank you so much for having a child.
I feel like we've been here, there and everywhere across
(37:22):
this episode, but like, what a good episode to share
with the community. Thank you so much for spending so
much time with me and just yeah, being so open
with the community. I love it.
Speaker 2 (37:32):
Thank you.
Speaker 4 (37:38):
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 or financial decision.
If you do choose to buy a financial product, read
the PDS, TMD and obtain appropriate financial.
Speaker 3 (37:57):
Advice tailored towards your needs.
Speaker 4 (37:59):
Victoria and She's on the Money are authorized representatives of
money sherper P, T Y L t D A b
N three two one six four nine two seven seven
zero eight a F s L four five
Speaker 3 (38:11):
One two eight nine
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