She's On The Money - She Moved to Australia With $1k in Her Bank Account

Starting point is 00:00:00 Hello, my name is Natasha Nabanunga-Bamblett. I'm a proud Yorta Yorta, Kernai, Wolperi and Awadjeri 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 Awadjeri country, acknowledging the elders, the ancestors and the next generation coming through. As this podcast is about connecting, empowering, knowledge sharing and the storytelling of you to make a difference for today and lasting impact for tomorrow. Let's get into it. She's on the money. She's on the money.

Starting point is 00:00:36 hello and welcome to she's on the money the podcast that lets you get a bit of insight about other people's money habits, obviously for educational purposes. Welcome back to another one of our money diaries where I get the absolute pleasure of sitting down and having a chat with one of our beautiful She's On The Money community members and talking all about their money story. Let's jump straight into it because this week I got a message and it sounded exactly like this. Dear She's On The Money, when I moved from Brazil to Australia seven years ago, I had just a thousand to my name. So to save money, I did some more unconventional things like spending two years living on a sailing boat, plus a year commuting on an electric bike. Last year, I launched my

Starting point is 00:01:38 side hustle focused on empowering women to embrace their curly hair. Now I've paid off my car and I'm on track to buy my first property. Money Darius, that's so exciting. Welcome to the show. Thank you. I'm so excited to be here. I'm so excited as well because like I've just jumped on this curly hair journey bandwagon and it's actually crazy. Like I didn't realize there was an entire community about women who had curly hair and how to deal with it. I just thought for the longest time, I just looked like Hagrid. Like I just figured I had the same hair as Hagrid and I just knew that the way that I had to deal with my hair was to like blow dry it straight before I could do anything. And that

Starting point is 00:02:21 was my bread and butter. And then after having a baby, obviously side note or money diaries, but after having a baby, I'm like the amount of times I got out of the shower and didn't have time to dry my hair or do anything. And it just started curling. And I'm like, is there something to this? Turns out there is. Yeah. So welcome to this journey of being a curly hair girl. and I promise you, you won't regret. I'm wearing my natural hair since I was 18 and you know back in the day we didn't have so much like YouTube channels and knowledge about it and even like hairdressers are specialized in curly hair. So I just want to tell you enjoy the journey because worth it and I'm just so passionate about it. Oh I can tell and I can't wait to get into it but

Starting point is 00:03:11 before we get there, Money Darist, if I asked you to give your money habits a grade from A through to F, what grade would you give them? I think I'm sitting at B minus. A B minus. I love that. I want to know more about you though. Can you tell me a little bit more about your international money story? Yeah. So basically I'm the grandchild of a bricklayer and I stay at home mum from Brazil and they had 11 children. 11 kids my goodness all times and so my dad didn't grow up around a lot of money everything was really scarce and I think that you know came to generation to me because my dad always he would reply dad can I go to the movies or can I go to someone's house or can I do this or that and

Starting point is 00:04:04 always their default answer was there's no money there's no money so I grew up hearing that and I think didn't help me you know like after I decided to move to Australia I used to panic myself about there's no money there's no money but no there is there is it's just a question of me budgeting you know organizing myself and work hard so I can you know live comfortably and feel more comfortable about money and talking about money because at home we didn't talk about it it's just a question of no there's no money we don't talk about it yeah no that's fair and I feel like that would be really common if you know your dad was one of 11 and you didn't have heaps and then it just filters down and down right so what did that look like as you started to get a little

Starting point is 00:04:58 bit older I went to a private school but with scholarship which I think made me create good connections and learn different things from like going to a different type of school back home and also my parents were really focusing on education we didn't have holidays I just went overseas when I was like 21 this year was the first year that they traveled overseas so they always put so much effort into education and I think what changed for me was that I went to learn English from I think 10 years old and that was something that really opened my mind to you know in the future down the track 10 years later considering move to Australia and build a life here. Yeah, that's actually really cool. Was that something that you were really purposeful

Starting point is 00:05:55 about going, oh, English is going to open my opportunities? Or was it just a cool other language you got to learn? Or like, what was the segue of that? I always liked a new language. And I think in my mind was like, there's only a small amount of people that speaks Portuguese. And so the knowledge in Portuguese is very, I would say, limited. If I learn another language, English or Spanish, you know, that opens up a whole new universe of information, knowledge. And I was always very curious about, you know, the other side. I love that. But like, that's such a, an intelligent way of looking at it. Like I hadn't thought about, I guess, language in that way that language could be limiting because it

Starting point is 00:06:42 only has so many, you know, translations of things or accent. Like that is very interesting. oh and I think you know the amount of information that you lost on translation that's also you know like you lose so much so I don't know it was I think instinctive for me to always you know looking for something in English and be curious about it I really enjoy knowing the meaning of words so learning a new language it has been always exciting for me that's why I was like, yeah, let's, you know, learn English and learn Spanish and expand my knowledge a little bit broader. Yeah, that is very cool. So you learn English on the horizon. One day was maybe an international move. What happened next? I went to university. I did journalism back home

Starting point is 00:07:34 and I knew that if I want to work in somewhere in a bigger company, I need to learn English, not as the basic but I will need to learn like vocabulary structure and everything so I graduate at uni 12 years ago and I had a friend that he was DTV reporter for ESPN and he was like okay you graduated now what are you gonna do I was like work you know I would really want to work full-time because I just finished uni I want to have a you know a good wage and a good levy and he was like oh I think you will love Australia so if it's something that you know you want to go for a bigger job like a multinational company I think it's something that you should pursue and Gold Coast is really similar to I was living at Florianopolis it's a

Starting point is 00:08:29 small island in the south of Brazil he was like it's really similar to here the weather is similar the vibe I think you're gonna love it and I was like oh okay and then I made it happen you made it happen I love that was he right is the vibe similar to the Gold Coast a hundred percent oh really yeah the weather is the same the surf vibe the holiday vibe because Florianopolis there's no heavy industry there, like no manufacturing industry there. So it's really similar to the Gold Coast in terms of tourism and services industry. And the vibe is just the same. I love it here. That is really cool. I love that because it could have been so disappointing if you got here and you're like, what is this? This is nothing like Brazil. So you moved here. You only

Starting point is 00:09:23 had a thousand dollars to your name. How did you survive? Because a thousand dollars and no job and being in a new country is a little bit scary. It is. And I only had that money because I had a friend that she was working as a cabin crew for an international company and she gave me the staff ticket so I basically paid nothing but the ticket was only to Sydney so it was from Sao Paulo to Sydney and then from Sydney I got a bus it was 16 hours on a bus on the Greyhound bus from from Sydney to Brisbane at the time because when I was 19 I met a Aussie guy oh here we go in Sao Paulo and we become really good friends but we disconnected we dated for a while but then we disconnected for probably eight years and then when I had all my visa documentation good to go

Starting point is 00:10:28 I sent him an email asking if he could proofread it because he was the only person that I knew that would speak English as first language and I was like can you just proofread my letter of intention and then we reconnected on that. Was that a little bit strategic as well? Because I think that could have worked. Like, oh, hey, can you prove read this? I happen to be coming near you. Yeah.

Starting point is 00:10:54 She's a smart cookie. It was funny because he mentioned that the most expensive thing in Australia is rent. Yes. So if I need to stay on the boat with him, I could because he grew up on a sailing boat. his entire life. And I was like, oh, okay. I only have a thousand dollars, so I don't have money to pay a bond or anything. So let's give that a go. So you just moved internationally to come live

Starting point is 00:11:24 with this guy that you hadn't spoken to for eight years on a boat. Exactly. I'm obsessed. What happened? Oh, we lived together for like two years, two years and a half. Is this like a romantic relationship or were you, it's not housemates when it's a boat, maybe boatmates? I think for the first two weeks we were boatmates yeah and then we fell in straight into it because we were living together we knew each other for like 10 years you know we yeah we had a good connection and yeah so it was two years and a half and I expected that we would be singling way more than we did and I think part of it was you know I just arrived in a new country I need to find job I need to study I need to make connections and it's really hard to go sailing to find the perfect

Starting point is 00:12:16 window when you need to have the perfect wind you need to have the perfect current needs to match my schedule needs to match his schedule so we didn't sail as much as I thought so I was like oh yeah I live on my sailing boat for two years and a half yeah but I didn't sail that much that's kind of fun though like you just lived on a boat yeah and you know like learn to be very savvy about my space and the things that I would I didn't buy much because you know one I didn't have the money two I didn't have the space for it my wardrobe was so small I think it was a meter I had like three or four pairs of shoes and that was it and I made it happen and it was fun And I want to go back living on a boat at some point in my life,

Starting point is 00:13:08 maybe in the future, with more structure and time, for sure. Yeah, for sure. So what happened? Two and a half years on a boat. Now where are you? Now I'm living on the Gold Coast. I live in a unit and I work for a big Aussie retail brand and I'm responsible for the organic traffic.

Starting point is 00:13:31 and last year no two years ago I launched my own brand about souk products to help me with my curly hair that's very cool I love it so what happened to our boat romance is he still on the boat now you're in a apartment tell me more yeah he's still on the boat and I tried to convince him to move to the go-kos he didn't want and I was like we don't need even to pack anything we just need to pull the anchor up and move to the go coast you know like like we can actually move there right now exactly you know let's check the tide let's check the wind and off we go but he didn't want and at the time I was commuting from the go coast to Brisbane three days a week on the train it was so exhausting and I was like I'm gonna go to move on the go coast

Starting point is 00:14:26 because I need that and he didn't want and that's why we broke up yep catcher he still has the boat and I even peaked to buy it from him I was like I can buy it from you but I was like oh it's too much work for me to manage a full-time job yeah that's a lot of work yeah yeah it's too much yeah absolutely so I want to know more about you you said I work for a big Aussie retail brand So what is your job title and how much money do you earn? I'm a search engine optimization specialist, which means that I'm responsible to help the company to be on page one of Google. And I earn 90K.

Starting point is 00:15:10 Is that including or excluding super? Excluding. So I have that plus super. Oh, how cool. That's a good job. Yeah. And that was something that after listening to the podcast, I was like, I need to be aware of these that are one of my salary plus super. I don't want it to be included

Starting point is 00:15:27 on it. Yes. I love that. I was having a job interview the other day, or I was interviewing someone the other day and I, you know, got onto salary and I was saying, what would you like the role to pay? You know, it sits between here and here. And they said a number. And I said, is that including or excluding super? And they're like, Victoria, if you've taught me anything, it's excluding super is plus super and I was like yes queen exactly exactly yay yes it was the best I loved it I was like you have learnt well tell me a bit more now you've moved to Australia obviously you've you know put down a few more roots moved off the boat what are your big money goals now what are you currently working towards I really want to buy a property this year I'm

Starting point is 00:16:15 aiming for September, October. I want to buy a small unit, but I don't want to be renting anymore. That's what I decided kind of two years ago. I got a little bit sidetracked with my goals, but now, you know, 2025, new year, new me, I'm all in for that and I'm on track. Oh, that's so exciting. What does that mean? Have you saved? Are you planning on accessing any grants or schemes or like what's the plan around buying a small unit this year saving for a deposit I'm doing some extra gigs some extra jobs like consultancy and also translating text from English to Portuguese oh cool for another company yeah you know it's a good side hustle I can do any time I have kind of two weeks to complete the job so after work or on the

Starting point is 00:17:14 weekends, I can do that. And they are paying me $32 an hour. Hey, that's cool. That's cool. Nice money on the side, especially flexible. Like, you know, there's lots of flexible side hustles going around, but not many of them can you do them on the couch while you're watching maths. So that's pretty exciting. Exactly. And it fall on my lap quite easily because I'm on a Slack group where they post some jobs and they needed someone that speaks native Brazilian Portuguese. And I was like, oh, I can do that. Why not? And pay me is okay. Yeah, that's really cool. I love that. Let's go to a really quick break because on the flip side, I want to talk more about this property journey. I want to talk about investment. I want to talk about debt and then your best and worst

Starting point is 00:18:02 money habits because I have a sneaky suspicion you've got some pretty good money habits because you had to be so strict with yourself living on a boat. So guys, don't go anywhere. money diarist we are back and this is such a fun conversation like i just love how you were like oh my friend said that the gold coast is a little bit like where i'm currently from and therefore i'll love it i'm just gonna move overseas like not only am i gonna move overseas i'm gonna do it when i don't have heaps of money don't have a plan like you didn't come and check it out first. You just got on a plane, came over and I guess I live here now. So tell me, where did you get the confidence for that? Because I feel like even I going on an interstate trip on my own,

Starting point is 00:18:48 I'm like, oh, I don't know if I like this. Like I'm going to Sydney by myself, but you're just jumping countries at this point. So tell me what drove that? Like, how did you know that was going to work out well I didn't know but I hate missing an opportunity I hate that and I was like okay I have a job I had a cool job back home I was doing marketing and PR for a big beer brand but I was not earning enough and I didn't have a boyfriend I didn't have kids my parents were you know they are really healthy and I was like if I don't do it in now I won't do it if I find someone if things will become really hard I was like now it's the time if I don't do it now I won't do it later I will get too comfortable I'm cancer I like home I'm a cancer as well that's why I'm like I'm a

Starting point is 00:19:44 cancerian like there's no way I would do that I love my home like I like my creature comforts I like to know and be in control of what's going on and that's just so far out of control yeah yeah it is but you did it and it worked yeah worked out well and I told my mom that I would come back after six months I knew deep down that I wouldn't but but that made you feel better I like it and how many years has it been now seven to eight years sorry mom yeah whoops talk to me about investing. I know that you listen to the She's On The Money podcast. Are you investing? Is there a plan? What does that look like in your life? So I have my superannuation. I learned that. And I have an account, Sharesys, and I'm getting a percentage of the money that I spend in shopping

Starting point is 00:20:40 and that goes automatically to it. Oh, cool. You've got roundups. Yes, that one. And I really like that feature because I don't need to think about it. Yeah. I just switched it on and I know that, you know, that's a privilege to be able to do that, but I just turned it on because I was like, I'm consistently investing, but like all the little things, they also add up. And I mean, if I'm going to have a little coffee as a treat, I think that my investment should benefit as well. there we go yeah and also I think if I go to the end of the week when I receive my my payment and then I transfer I don't know a hundred dollars feels really heavy yeah and if I just have five

Starting point is 00:21:22 dollars here five dollars there it doesn't like add up in a good way not as heavy on on me it kind of is like controlled money leaking like when you're not in control of your budget right you look back on the month that was and you're like, my gosh, my money just disappeared. And then you realize it was on a coffee here or there, or you might've picked up a snack for $5. Because sometimes you just look at your bank account and you're like, oh, $5 won't hurt. That's fine. I will have a croissant. And you just don't think about these things. And that's fine. But by the end of the month, you're like, I don't know where my money's gone. But you're kind of doing that with investment. So you don't notice. And then all of a sudden you look and you're like, oh, my money's

Starting point is 00:22:03 gone, that's fine. That makes sense. But your investment is over there laughing because it's doing so well. And then when I look in my wallet at the investment app, I was like, oh, there we go. I didn't know that I had that much money. I love that for you. So tell me about debt. Have you ever been in debt? Have you got debt at the moment? How do you feel about it? Six months ago, I paid off my car. It was my first car that I paid with my money. Ah, good. Every time that I open it, I feel so proud and so happy to have that car.

Starting point is 00:22:41 And currently, I just signed up for a payment plan for egg freezing procedure. So I'm in debt for that. For egg freezing, was that? Yeah. Yeah, cool. I needed to do that because I'm turning 35 this year. So I needed to do it now. And that's why I got into this payment plan. Not that I was really, really happy about it, but it was the way that I needed to do to make this thing happen. Yeah, no, that's really cool. I think it's so

Starting point is 00:23:13 important to talk more about this as well. I feel like, you know, birth rates in general are going down because women are doing more. Like you've got an epic career and you've got this epic life. like, unfortunately, we can't do everything all at once. So can you tell me a little bit more about this egg freezing procedure? Obviously, you've, you know, sought debt for it, which is great. And I love that you've been able to access that because otherwise, like, I mean, you just didn't have the money, right? And it just wouldn't have happened. And I think that that's a very valid reason for getting into debt. Like, it's funny because a lot of people assume that I'm just against debt in general. Like, I just go, absolutely not. I would never. But I just don't

Starting point is 00:23:53 want debt to be something that you got into and then you have nothing to show for it. Like you go on a holiday and then you come home from the holiday, you had a good time, but you've got nothing to show for it. Like this procedure that you're going through, obviously setting you up for future success. So can I be pervy and ask about how much that costs? Like what are the costs associated with getting your eggs frozen? It will be around $12,000 and I'm hoping to get around five thousand back from Medicare because last year I was diagnosed with endometriosis level three oh my gosh and I will be honest with you that took me a toll financially but also mentally I was so fatigued and in so much pain so last year I had this laparoscopy to get the

Starting point is 00:24:46 diagnosed and to remove the extra tissues and because now my fertility is compromised because of the endometriosis it was recommend me to do the egg freezing and going on dating when you are 34 35 you know the clock's ticking and I was feeling so anxious about going on dates that I was like I would do this for myself to preserve my fertility but also to go on dates really looking for to meet people and get to know people and not having like a list of yeah does he take this is he going to be this yeah you're not just looking for the father of a child you're actually looking for a life partner and that can come later exactly exactly because in the last I would say two years I was not having fun going on the date because I was just like looking for those

Starting point is 00:25:37 characteristics and that was not helping me and creating a lot of anxiety about it so I was like okay, there's the endometriosis, there's the age. Let's just do it for, you know, my mental health too. Yeah. I love that. That's so valid, but also I'm so grateful that you're talking about it because how many times, like at the start of this egg freezing journey, did you go, well, what's that going to cost? Or what's that look like? Or where do I even go? What do I do? Like, we just need to be having these conversations more often because we're all in a very similar situation I feel like not everybody like I'm not in a situation I've had kids but like I'm in my 30s I didn't have kids until I was in my 30s and like that seems to be the norm now and the fact

Starting point is 00:26:23 that I had to choose in my 20s between my career and my kids like that pressure is enormous I love the fact that you were able to freeze your eggs and now you're you're gonna be able to enjoy dating and finding somebody that you actually want to share your life with as opposed to would he make a good dad what's this look like how does that work yeah and creates so much anxiety I just want to go on a date and enjoy getting to know someone and spend time let's go bowling let's go for a walk let's do different stuff and get to know each other instead of me being so concentrated at the end result so yeah it was something that I didn't want to get into that but there was no other way around and I'm glad that I was able to find a way to do it. That's freeing. I love

Starting point is 00:27:13 that. So tell me, are you dating yet? Like what are we doing? No, at the moment my parents are here. Ah, no, we're not going on dates while mum and dad are here. No, thank you. But I have been just feeling way more excited about meeting people in general, like being around like-minded people and doing you know like I'm going to try rock climbing I'm going to dance class I'm trying different activities to get to know people and going to events and putting myself out there a little bit more because I don't want to go back on the app so let's live life a little bit yeah I feel like the apps are a bit I mean I met my husband on tinder so like I'm all about the apps but from the experience of all the single people in my life like it feels like the dregs of the

Starting point is 00:28:05 internet yeah and I think it changed like I had friends that made their partners there but I think maybe in the last three years or since the pandemic and the apps dynamic changed a little bit that's so sad because it used to be really fun and it made it easy I hope it comes back around like and things go a little bit more wholesome soon yeah fingers crossed talk to me about your best money habit what do you think that is I think because I work with marketing I'm really savvy on you know promotions or like ways to get a discount an example I knew that this year I would be back at the gym and I need new outfit because I was like I don't want to go with trash clothes to the gym I want to wear something nice and feel good about coming back and I got sixty hundred

Starting point is 00:28:57 worth of gym gear for $200. What? How? Well, it was not easy, but I checked all the prices before I went to the store to check my sizing because I hate returns. So I was like, if I want to get it, I will get it right. And so I added everything to the cart. I put in my email there. I waited for the discount code. And there was some extra ways to get some extra discount because I got it through between Black Friday and Boxing Day. So after Boxing Day, they added, I think, 20% discount extra on top of what discounted it was already. So I was so happy about it. That's actually so cool. That is a significant discount. You are one savvy human being. Yeah. And I got really good stuff that will last me because it's high quality, you know,

Starting point is 00:29:53 gym gear and it's not after two washes. It will be all transparent when you do a squat. I love that. Now you've got to get in the gym. Now you've got to do what you said you were going to do. I hate that part. I bought myself some new activewear and I was like, I'm going to work out. I'm going to go to Pilates. I have not done Pilates once this year yet. I mean, I will. I love it I'm about to go back but like the motivation even with the cute outfit sometimes just doesn't convert yeah let's do step by step we got the clothes yeah no I'm proud of you I love this for you so you're super savvy what's your worst money habit do you think I think when I get emotional I spend especially on food or little treats I'm having a good day oh let's celebrate

Starting point is 00:30:43 and let's you know go to a nice restaurant I'm having a bad day oh let's you know I need to comfort myself let's go to an expensive restaurant you are me you know feels good at the time yeah but then you've got nothing to show and less money in your bank account you're like why did I do that again exactly so and I think the way that online shopping for example is so gamified now it's so easy to spend hours scrolling and add things and I put a time between my purchases you know the time that I add to the cart and to you know press buy but it's still like yeah I think a lot of emotional shopping yeah that's fair and how are you kind of curbing that you're obviously aware of it which is I guess the first step but is that something that you're like oh I still haven't gotten on top of it

Starting point is 00:31:40 or do you think that yeah that's something that you're actually on top of? I wouldn't say a hundred percent on top of it I would say that I'm really aware and some days I can fight against it and like talk to myself it's like no you know let's keep that for the weekend let's keep that for a more like wholesome experience you don't need that right now you're just feeling emotional other days yeah it's stronger than me I love that other days it's stronger than me yeah yeah but I think the process is also progress you know like having that awareness and looking at myself and thinking do I really need that or is because I'm feeling bad about something that happened at work or I'm feeling lonely that's why I want to compensate in another way so at least

Starting point is 00:32:34 I think now I have this awareness and probably the next step to be on top of it 100% would be really to action on it. But I'm not perfect. Some days, you know, I'm good. Other days, not as much. That's okay. I love that. At the start of the episode, you said, V, I think I'm a B minus. What do you think it would take to get to an A? What does that look like for you? I really would like to stick to my budget and not have those emotional up and down because sometimes I will put $500 on my savings account and then at the end of the week, I would, you know, transfer back to $100 because I spend a little bit extra than I had forecasted. that I think but I'm feeling really like aware of my situation and I know where my dollars are going now I understand the value of my time the value of my skills that's something at the beginning I didn't know much I was just happy to do any job for any money and now I'm more like

Starting point is 00:33:44 feeling confident about saying this is you know what I bring to the table and that's how much I want to be earning and yeah I think I'm getting there I'm getting there I love that you're well on the way I feel like it's not too far away do you think that when you purchase your first apartment or your first unit you'll feel a lot more like you're on the way or is that not part of your feeling of confidence around money no I think it will be definitely a game change because I think I will be more in control of my decisions I can for example rent the apartment for a year and then go to Europe and then go to Brazil that is something that I really want to do it and renting right now I cannot do that because I'm attached to the rent definitely I'm seeing this

Starting point is 00:34:33 first property as my next step to conquer that independence and be more in control of my decisions of my time too. I love that. I feel like that's such an achievement as well. Like I'm just remembering back to the start of this episode, you were like, my grandparents had 11 kids like, and now you've gone off and you're like looking at purchasing your first unit and stuff. Do you think that they would think that's really cool? Oh, I cannot even think that they could create the concept in their mind that, you know, their grandchild went to live overseas on the other side of the country and like having her own career, you know, living her best life and buying a property because they didn't have a property. No, they didn't have that like accent. And I just,

Starting point is 00:35:22 I love that like you've turned what you went through and like, not that it was bad. It sounds like a beautiful upbringing, but you've just gone and like grown it into what you wanted, like, and you've created this life all on your own. It's not like anybody gave it to you. You were just like I'm gonna do this and I'm gonna do it myself just makes me so excited for you and I just know that they would have been like so proud and like your parents are here right now are they loving being on the gold coast oh they are I think of course they had an idea of what Australia was but not the way that it is and I think they were thinking that I was like struggling way more you know like they have that immigrant mentality and now they see that I have my career I have my

Starting point is 00:36:07 things. I live in a nice place in a nice suburb. I have my little car and I don't think they ever even got like it's something beyond that they couldn't even imagine. I adore that so much. They must be so proud. They probably don't want to go home now. They're like, oh, we want to come live with you. Yeah, exactly. I love that so much. Money Diarist, it has been an absolute pleasure. I'm so excited for you and this journey and you purchasing a house later this year and just getting it together like I'm just so excited that you're part of our community you are honestly like I wish people could see you because you're like so glowy and happy and have the most beautiful curly hair like you are a ray of sunshine thank you so much for

Starting point is 00:36:52 joining me for a money diary I know the community is going to love this because I did oh thank you it has been like an absolute pleasure and to be part of the community and see you know on the Facebook group what people share and feel seen and feel part of with the community talking about money with that is such a taboo and I yeah I just love this community. Ah me too have the best day. 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 advice tailored towards

Starting point is 00:37:43 your needs. Victoria Devine and She's on the Money are authorized representatives of Money Sherpa PTY LTD ABN 321 649 27708 AFSL 451 289.

She's On The Money - She Moved to Australia With $1k in Her Bank Account

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