She's On The Money - The Move That Made Homeownership Possible

Starting point is 00:00:00 My name is Natasha Bamblett, I'm a proud First Nations woman, and I'm here to acknowledge country. Tii, gilinyan ganya, nianakaka yao yinbina waka, nianakai nianbina yakarumja, duminyagumiga dumiga ithawaka nirawamundamun imalan. Mumu bangada boma ininyalan waka, gaunan yakarumja, wutunarana. Hello beautiful friends. We gather on the lands of the Aboriginal people. We thank, acknowledge and respect the Aboriginal 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,

Starting point is 00:00:41 bringing you the tools, knowledge and resources for you to thrive. She's on the money. She's on the money. Hello and welcome to She's On The Money, The podcast that lets you be pervy about other people's money habits for educational purposes, of course. Welcome back to another one of our money diaries brought to you by Sky Wealth, where we get to talk with one of our incredible She's On The Money community members all about their journey. Let's jump straight into it because this week I got a message and it sounded exactly

Starting point is 00:01:12 like this. Hi, Victoria and She's On The Money. My husband and I are in the thick of parenting three boys right now. We made the decision to move to regional New South Wales knowing we'd never be able to afford to buy in Sydney. We were fortunate to buy a small home just before the market took off and later sold it to get into the house we hope our children will grow up in. We're now navigating full-time jobs, childcare, school, renovations and considering opening a business in our small town and I'd love to share our story. Money Diarist, you are chaos in the best possible way. Absolute pure chaos all the time. I love that. How old are your boys? 10, 3 and 6. Chaos ages. Yep. 100%. In the best possible way. But like she's a busy girl and

Starting point is 00:02:00 she's also like, oh, by the way, we're just, you know, managing some renovations. Why don't we open a business? We've got heaps to do. Would you like to do a money diary with me? Because I am very excited to jump right in. Yeah. Our life is always full on. There's always something going on. there's always things happening. All right, let's dive straight in. My first and always the first question of every money diary is what grade would you give your money habits if I asked you to give them a grade from A through to F? I would say I sit at a B. I love to budget, but I am not great at sticking to said budget. You know what? We can't be good at everything. So that's a pretty good place to start. Money diarist, my favorite question. Tell me a little bit more about your

Starting point is 00:02:43 money story. Where'd you come from? Where are you going? For me, growing up, money wasn't a big feature. You know, I'm sure money at times was tight, but as kids, we never really paid attention to it. We lived a pretty comfortable life, but not extravagant by any means. I think for me, when I started to really think more about it was after my husband and I got married and we came back from our honeymoon and we had $50 in our bank account, absolutely living paycheck to paycheck. And that was the point where I said, I can't live like this. That's not how I can function. I think that was probably my starting point. Firstly, how was your honeymoon? Was it good?

Starting point is 00:03:20 Oh, it was lovely. But coming back, were you really stressed? Were you anxious? How were you feeling about it? When you say I couldn't live like this, what does that actually mean? Well, we were renting. I was only working casually. We were wanting to have kids. We just had a miscarriage just before our wedding so just before your wedding yeah we were going to be 12 weeks at our wedding and uh didn't quite happen that way oh I'm so sorry to hear that no that's okay it happens it's happened since then quite a few times it's something we've definitely struggled with I can absolutely resonate with that and it's bullshit it's the

Starting point is 00:03:56 worst club to be involved in ever but at the same time it's just like why did it have to happen around your wedding like we don't need the sparkle of that taken off as well like we're already having a shit time. Why kick us while we're down? The only upside was it meant I went on our honeymoon and could drink as much as I wanted. And you needed to do that. So obviously it was really stressful. What did change look like? It was after we had our first son, I wasn't working. My husband had this job, wasn't paying very well. He was paid monthly. So we were on one income and really making things stretch. And we grew up in the sort of Western Sydney area. And even then, and this is 10 years ago, we could see that we were going to really struggle. We both worked

Starting point is 00:04:40 in hospitality. So buying a house there just seemed totally out of our reach. So we decided to move to regional New South Wales. We didn't know anyone where we moved to. We picked it purely on job opportunities for my husband and, you know, knowing it was somewhere a bit cheaper for us to buy and probably worked out pretty good. That's kind of exciting, but also a massive move. Like, I feel like the level of like reflection you have to do to go, hold on, hold on, hold on. I don't know if our future is going to look the way we want it to and to be not only reflecting on that and going, that's pretty terrible. Like we don't want that for us, but to actually make the move. Like I just know so many people who think that way and they go, well, I live in Sydney.

Starting point is 00:05:24 I'm just never going to buy property. And I've reserved myself to the fact that that's just not going to be our reality. And you're like, no, our reality is buying property and we're willing to move a lot to make that happen were you always on the same page with your partner about that because I feel like those are big changes moving to a regional town in New South Wales so you could achieve your goals but still be no friends and family in that location what like girl you got bigger balls than I do it was hot I was 23 when I had my eldest so we were young none of my friends had kids yet but all my friends were there my family was all there yeah so it was hard to move away from that support network yeah absolutely it would be but working in hospitality is very easy

Starting point is 00:06:10 to hop from job to job and I think we had sort of recognized we'd got to the point where my husband was going to struggle to find work that would allow him to earn more over the long run yeah that was probably just the trigger was living off Centrelink and one income and making things stretch that yeah just wasn't our thing and being in hospitality I feel like it takes a certain personality type to thrive in that space and like you're probably good at making friends so like moving you'd be like okay well I'll get another hospitality job because I'll make friends there when we get there whereas someone like me I'd be like if I moved to a foreign town like I don't even know how I would connect with other people. Oh no, I have struggled connecting to people.

Starting point is 00:06:54 I made friends going back to work. That's why I went back to work initially was just to speak to adults again and remember that I'm an adult who can speak to other adults. It's definitely taken quite a while and we were fortunate some of my family moved out here after us. So now we have some of them close again, which is fantastic. How good. I love that. So tell me a bit more about you and your husband, what do you guys do for work and how much money do you earn? So I work for a not-for-profit in an office-based job. That is quite a new role. I've only been in it for six months. My first out-of-hospitality job, which is very exciting. Oh, congrats. And I earn about $88,000 and I do salary package. Oh, okay. That's nice.

Starting point is 00:07:39 And my husband is still a chef. He earns 95 at the moment. That is a bit of a tricky situation we're going through at the moment. What does that mean? I've got to be pervy. Yeah, no, you absolutely have to be pervy. His workplace has gone into administration as of last week. Yeah. So we are waiting to see if there's a redundancy. We don't know. his super hasn't been paid for some time so we are very much waiting to see what the outcome is oh my goodness that is really upsetting especially like the timing and then also just what do you mean no super has been paid in the recent times like is this like for months or the time he's worked for them or like what most of the time they've made some very small sporadic payments

Starting point is 00:08:29 That is so rude. Yeah, so that's really difficult and it's definitely put us in a bit of a holding pattern at the moment. Yeah, absolutely, as well as being stressful because in administration, like if they go into administration and they ultimately get shut down completely, like there's nobody to chase for those super payments usually. No, I've looked into it. I think he will get paid out his annual leave, most likely a redundancy because that is government

Starting point is 00:08:56 guaranteed, but the super is not, so we do not know. Oh my goodness. Well, if you need my help, you let me know, my love. I've always got a little bit of fight to give to stuff like that. Now, tell me, you said earlier, we moved to regional New South Wales market, hadn't boomed yet, took off, sold that property, and then we bought essentially our forever home and we want our kids to grow up there. I feel like that's the biggest financial goal, but what are your other financial goals? What are you guys currently working towards right now we are smack bang in the middle of a renovation well actually no i'm hoping we're towards the end of this renovation yeah so we have been working towards this one for

Starting point is 00:09:35 a while we are still trying to have another baby so yay four babies that is a potential we have gone through ivf for one of our three but i do not want to go through ivf again financially i don't want to go through it again emotionally i do not want to go through it again i definitely feel I am getting older and I also want to be done with having babies now. I want to move on to that next stage. You're only 35. You're still a child, basically. People are having babies in their 50s now. This will happen. It'll be fine. I'm manifesting this for us. Yes. I don't know if we have any other big goals at the moment. I definitely have been putting a bit into shares, but again, I'm sort of pulled back on that in the last month while we wait to know what's

Starting point is 00:10:22 happening. Yeah, I feel like our goals are actually probably on pause at the moment. Well, I mean, yeah, because that's a really stressful thing. And when you told me your income, I'm like, oh, 88 and then your husband's on 95. That's comfortable, especially if you're in regional New South Wales, you already own your property. Yes, life is stressful. You've got three young boys. That's really expensive. Life happens. But you could totally find a way to have another kid. But then you find out that your husband's workplace is going through administration. You're like, hold up, hold up. I'm trying to get knocked up here. Like that is not part of the deal. Like that must be very stressful. So I'm sorry that you're going through

Starting point is 00:10:58 that. I want to go back to your renovations though. So you bought the house that you want your kids to grow up in, which is very exciting. What renos are we doing? And were they renos that you're like, oh, they're just cosmetic changes or were they like, we bought the house and oh my goodness, we'd be saving up for ages because you should have seen the bathrooms. Yes. Yeah. No, we bought this house fully intending to renovate the kitchen. That is where we love to be. We did not intend to have to renovate a bathroom or repair the roof. They're the main things that were unintentional. So we have spent more than we had wanted to. We did have to remortgage to draw out a bit more funds to do it. But I think we will get it done soon and have a little bit of

Starting point is 00:11:41 money left over, hopefully. Yeah. And will that make it a little bit more, I guess, comfortable given we're just not sure what's happening with your husband's like situation and your husband's job? Yeah, definitely. We've got one big bill left to pay, which is our builder. And that one wasn't a fixed contract. So I had an idea of what worst case would be and we had budgeted for worst case, but it's looking like it will be significantly less than that. So that is definitely a relief. Yeah. Well, I'm glad that you were able to remortgage and you've gotten access to that cash. Do you also have like an emergency fund and stuff like that set up? Yeah, we've got about 16,000 in an emergency fund and I've sort of worked out a budget on our worst case scenario

Starting point is 00:12:25 and how that'll look and how much we'd have to dip into that each week and how long we could live off that for. Yeah. And talk to me about this conversation because I feel like this conversation could be really stressful to have. Like, can you tell me how this played out? Because I feel like it happens to a lot of people was this something that you foresaw happening or was this something that your husband came home one day and was like babe sit down like what happened in that situation he was like oh I have to tell you I found out something you can't tell anyone about it yet yeah he found out a few before most of the other staff did so we had a bit of pre-warning by a couple of weeks that it was likely to happen oh my goodness but that's it a couple of weeks

Starting point is 00:13:08 it was a stressful conversation for sure. We are in a very small town now, so definitely for him, job opportunities here are going to be pretty limited. Yeah, that's really, really stressful. All right, let's go to a break because on the flip side, I want to talk to you a bit more about shares and investing because you dangled a carrot earlier and said that you're putting some money in there. And I was like, I really want to ask, but I've got to wait. I've got other questions first. So guys, don't go anywhere. We will get to them in a second. All right, Money Dice, we are back and I get to dive into investing. It makes me so excited. Tell me, do you have any investments? If so, what are they? Yeah, so we're only dabbling, literally.

Starting point is 00:13:48 We started off with raise and was putting little bits of money in there, occasionally a little lump sum when we'd get a bit extra on tax back. It's only sitting at $4,000 at the moment. That's still very good. Girl, you're 35 and you're investing and you have three kids and you're just getting your stuff together. Like this is good. Yeah. And then I've just started dabbling in sharesies and potentially I will move it over. I'm in no rush to do so. So that's only got like under a thousand dollars while I just sort of suss it out. I started putting some money aside for each of our kids to invest. I have only just started that. And that is something I've had to stop as well at the moment while we wait and see. Yeah, of course, everything should go on

Starting point is 00:14:33 horse. Like we just don't need to be doing anything that could be considered discretionary right now. Like we can catch up later. That is absolutely fine. But we don't need even more financial stress on ourselves during a time where I'm assuming you're pretty stressed. Yeah. So I'm still putting the money aside, but it's just going into a savings account or offset account for now while I just wait to see what's going to happen. Work out what's going on and then we can do that later if we need it. That's absolutely fine. which is honestly pretty good because Shazzy's have recently announced and this feels like an ad and I promise it's not but Shazzy's recently announced their kids accounts and they haven't

Starting point is 00:15:09 dropped at the time that you and I are recording this so maybe you're just waiting for that like that's great yeah I started putting a bit in raise and then I saw that come out and I was like no maybe I will wait and yeah I will just maybe put it all in there once I see it and see what that looks like so that is a bit exciting I love that and talk to me about superannuation I feel like that's a stressful topic at the moment as well. So I do apologize. I feel like I've got you in limbo. I'm asking you all about money when you're probably the most stressed about money. So I apologize, but also thank you for being so open with us. Tell me what's in your super and what's in your husband's super and what are we doing about the fact that his hasn't been paid?

Starting point is 00:15:51 I have just ticked over 50,000 in mine. My husband has 70, but it should be at 90. We don't know what's happening with his super yet. I think there's another meeting coming up and we'll find out more. I really don't expect he will get everything he's owed. If we're lucky, we might get some of what he is owed. I have been putting a bit of extra of my pay into my super pre-tax, which is just $100 a fortnight, just to top mine up because mine was, I've had a lot of time off work with kids. I worked casually on and off quite a bit. So that has definitely helped bump mine up a bit of recent. Yeah. And now I know that you know that your husband's company is going into administration, but one thing I would recommend, it's obviously not advice. This is just what I

Starting point is 00:16:41 would do in this situation is still going and reporting it to the ATO. So making sure, I don't know if you've done this already, but I would go through the actual proper channel of making a complete report to the ATO to say, you are eligible for it. It has not been paid. This is what has not been paid so that it comes up as an official debt that could potentially be taken into consideration during the liquidation. Because otherwise they might go, oh, super, we'll get to it. No one's really spoken up about this. So nothing's official and the liquidators haven't been made aware of it. No, no, no. We're just going to jump and scream about that because that one, that's $20,000, babe. And unpaid super like needs to be reported. So, I don't know what

Starting point is 00:17:27 you're doing in that space, but that is where I would go with it immediately. Because even if you don't get it and it was a waste of time, we tried our best. Yeah. Yeah. I think he has reached out at the time he was told to wait a week. I don't know why. Yeah. Because his employer doesn't want to have to put that on a balance sheet. No. But they do have a meeting coming up specifically about super so it will be interesting to see what comes from that yeah I just I'm I am so critical of these processes I'm just like one of those people that you know when you're like oh she sees the best in everybody I really do try but I've seen the worst in everybody too so I'm always so critical and I'm like yeah cool they're probably going to gaslight him in that meeting

Starting point is 00:18:07 and try and make a settlement agreement but we won't full amount so if you need any help you reach out, my love. Now, talk to me about debts. What debts do you guys have? What do they look like and how do they make you feel? We have a mortgage that right now is $540,000 and we have a car loan that we are trying to smash out and that sits at $18,000 at the moment. That's not too bad. Do you know the interest rate on your car loan? High? Yeah. I do. It's fixed. It was a seven-year loan and we are on track to pay it off in two years, two and a half years. Oh, how good. So, we're working hard on that. Yeah. And we pay extra off our mortgage each week to have a bit of

Starting point is 00:18:48 a buffer. And so, I know that worst comes to worst, I will drop everything back to minimum payments for a bit and give us a little bit more breathing space. Yeah. So, tell me a bit about this mortgage. You owe $540,000. What did you purchase your property for and when? So, we bought this house 2024 for $680. Okay. Hey, that's really good. Yeah.

Starting point is 00:19:11 This is our second house. So, we bought a house when we first moved out here and did quite well from that. So, that definitely helped us. We moved a little bit more regionally for this one. So, we could go a bit bigger, bigger block of land, a bigger house. Yeah, that's worked out quite well. So, tell me a little bit more about that because you said you bought before the market boomed and did well.

Starting point is 00:19:32 what did you purchase that house for and then how much did you sell it for I'm just so pervy I'm so sorry but also I'm not sorry please tell me no we bought it was when the market was starting to take off we were going to open homes and people were making offers there and their first open house oh my goodness yes so we I saw this house I rang the real estate agent I was like I want to see this house ASAP this weekend on Sunday he showed us to it on the Sunday we made our offer on the Sunday. It was accepted on the Sunday. Oh my goodness. Yeah. It was really close to where we were renting. It was in our price range. So we bought it for $380 in 2018. How good. And then when did you sell it and for how much for? So last year we sold it for $705. Stop it.

Starting point is 00:20:19 That is literally so cool. Did you see that type of property price increase coming? Because like that would have blocked you out of the market. There is no way that like had you moved out like in 2024, purchasing for 700 grand wouldn't have been on the cards. We didn't buy it with the thought about where it would head. We bought it because it didn't tick all our boxes. We would have loved an extra bathroom and an extra bedroom and all these things. But at the time, it was in our price range. It was close to a good school. We didn't have school aged children then, but we were not far off it. And we did a bit of work. We did renovate the kitchen and then the bathroom and put a few extras in. But most of that is just the market

Starting point is 00:21:03 going a little bit crazy after we bought it. Yeah, that's so good. So, you basically walked away with a $325,000 profit. Did that then become the deposit or what did you do with that cash? So, we put most of it into the deposit for this house. We held back some for the renovation. Yep. and then we remortgaged to get back a bit more again. Yeah, well, everything when it's... Once we realized how much it was going to cost. Yeah, it's wild, isn't it?

Starting point is 00:21:30 And you go, oh, this is worst case scenario. Yeah, we'll budget for that because we're trying to be really smart. And then it's like the worst, worst, worst case scenario. And you're like, excuse me, but that's not what I signed up for. But we're already too deep. We don't have a bathroom now. We removed it before we realized that the worst was happening. Yes, for a while we were without bathroom, without kitchen.

Starting point is 00:21:51 and we still lived in the house while we did all this. Yes, we are ready for it to be finished. Oh my gosh. And what does that timeline look like? Are you almost there? Yeah, it's the kitchen's mostly done. The laundry's done. We're just finishing up the bathroom and it's an en suite. So we have another bathroom. So that is not- Not the end of the world. It definitely wasn't my priority. This bathroom had a leak that meant the whole bathroom had to be gutted and replaced. How frustrating. So not what we wanted to do.

Starting point is 00:22:18 No, absolutely not. But then once you start digging, you find these things that you're like, you can't actually afford to not replace them because that if you just pretended that didn't happen, you'd end up with a bigger problem down the road. Yes. So yeah, we bit the bullet on that one and we're not doing anything fancy for that bathroom. Our priority was the kitchen. That's where we've put the things we love and we've made it what we want. But the bathroom, we are just happy to keep it simple, basic, as cheap as we could do it in a way that still means it's quality and hopefully will not leak again. Yeah. And it's nice to use and like, there's no issues. You mentioned earlier that like, this is the home you basically want to

Starting point is 00:22:55 stay in forever, which is very, very cool. Are there any things you want to change after that? Or you're like, nope, once we locked in for all of that, like we're good to go. We don't need to change anything else. We might buy a new couch down the road. Or it's a slippery slope. There's always something you look at and think, well, maybe a little like patio would be nice out there. And then I'd love to paint the outside of the house yeah it is a slippery slope isn't it this is the big renovation I don't think anything else we do will compare to how big this is it will be little bits and pieces yeah down the road but definitely nothing planned yeah and they could be expensive but they're not going to be like a bathroom that you got then you find out there's a leak and then

Starting point is 00:23:35 you have to spend more money it will be like a let's go get some quotes because we'd love a really nice patio area and then you get your quotes and you save up for it and then you can pay for it at that point. I feel like that becomes a much easier process. Yes. Yeah. I mean, unless the other bathroom leaks, which we will keep an eye on. We're not manifesting that. Let's not talk about that. That's not a good idea. So, Money Diarist, you guys obviously have done really well. I want to know, do you have any personal insurances? Like you've set all of this up. You've worked really hard. You've literally moved to regional New South Wales to build your wealth. How are you protecting it? Yeah. When we bought our first house,

Starting point is 00:24:09 we did go and set up some insurances. I think at the moment we have life, TPD and income cover. I actually had a meeting today to look at changing those, moving with someone else who we're a bit more comfortable with, who might explain it a little bit better. And my husband has quite a few health concerns. That means I am really keen on making sure we're covered for most of our worst case scenarios well yeah your husband's a chef so if he can't go to work that's really really physically demanding how did you work out that you wanted to update all of that like and where did you go what did you do it's something it has been on my mind for a long time mainly because I keep getting annual reminders to go talk to our previous people and I just kept pretending I

Starting point is 00:25:00 didn't see it I didn't see that either that's crazy so quite a few annual reminders have come and gone. I was on a bit of momentum of getting things done and just booked it in. Yeah, good. It actually makes me so happy when people are like, oh, it was on my to-do list and I got it done. The annual reminder reminds me of my personal insurances, which I do have to go and update, not going to lie. Like mine are due for a little bit of a refresh, but my trigger, like every time I think of it is when I get an invoice. I'm like, oh, that's due again. Oh, I still haven't updated again, great. No worries. That would probably be one of my worst habits at the moment. Now, I want to ask you about your habits. What do you think your best money habit is?

Starting point is 00:25:41 I like to budget. I like to sit down and make a bit of a plan about where our money's going to go and when things happen. Now, I will immediately sit down and I'll rework our budget for a worst case and maybe a medium case scenario and work out how we can cut things that aren't necessary yeah I would say that and yeah slowly putting away money here and there is probably my best money habit and what would you say is your worst I'm very good at putting the money away and certain things I can put it away I cannot touch it unless it's for the thing it's for but I can be very good at deciding to treat myself when there's a sale on. Yeah. I can creatively reassign some money that was meant for something else.

Starting point is 00:26:31 Oh, I like that. A little creative reassignment. That feels a lot more official. Like that means that we probably should do it. Well, you know, I might buy a gift for myself and then I would say, well, that could come from the account for gifts because it's a gift for me. If you were born today, it would actually be your birthday. So you deserve a present. Absolutely. But you weren't. So you still deserve a present because it's disappointing finding out that it's not your birthday. Yes. So that's definitely, I think I could definitely get better at

Starting point is 00:27:00 having a bit of self-control and sticking to what I actually set in place. That's fair. But I feel like you're doing a really good job. Let's remind you that you are bringing up three young boys in a pretty chaotic economy and you are going through some pretty stressful money stuff at the moment and you seem to be holding it all together very well might I add like kudos to you you're like no no we're not burying our heads in the sand I'm gonna do a budget and I'm gonna do like a medium-term budget like what what you're perfect she's on the money community member like that's what I want to hear when you go look we've just heard that my husband's job is being put in basically like his company's being put into administration so many

Starting point is 00:27:38 people would be like oh my god just bury your head in the sand like we'll wait until we work out what happens like we'll wait until there's an outcome with them and we see what happens like you're just a bit proactive I love this yeah I am it soothes me a bit to be able to sit down and just think about the money side of it or just think about focus on one thing because there's only so much we have control of at the moment yeah so tell me at the start of the episode you said I reckon I'm a B but like you've achieved a lot and you've made a lot of sacrifices and you've made a lot of decisions that have obviously helped you financially to be in a comfortable position, so comfortable that you can genuinely consider having a fourth child, which is really,

Starting point is 00:28:19 really cool. What would it take to get you to an A? Like, what does that actually look like in your universe? I think making a budget that I can stick to, that I know I will not spend over of my designated categories, getting better, sorting the life insurance. We're headed that way. So that's probably a positive. No, you're on it. You're on it. Yeah. I definitely think focusing more on shares and paying off our house and just putting us into a position where I feel a bit more comfortable at the moment. That's a very good reason. I'm going to gift you my money a masterclass just because I know that the budget and cashflow system in there could really help. I cannot stop you from dipping

Starting point is 00:29:02 into different accounts. But what I can do is give you a bit more structure so it looks a bit more obvious when you are dipping into accounts. And we can't be as crafty or as sneaky because we're predicting things. It's not just like gifts. You had to outline how much you think you're going to spend on gifts. And then it will tell you how much needs to be there per week or per month. And then you might go, oh, there's a little bit more accountability there. So that might help. I'm going to gift it to you and you can see. But even if you've already got a killer budget, it's a fun thing to do because she's pink, she's shiny. It's got the mortgage calculator in it as well. I love a spreadsheet. Yeah. And do you know what? I'm biased. I made this one. I made it

Starting point is 00:29:42 aesthetic. I put in a mortgage calculator so you can even play around with what would it look like if I dropped my mortgage repayments to the minimum, not the additional that you're doing, and it'll update your budget immediately because it's all coded in the background to show you what that would look like so you don't have to go oh yeah I'm obsessed but like that's very self-involved of me to say anyway money Doris it has been a pleasure I've loved getting to know you I feel like this is so relatable like so so relatable and just knowing that you guys have worked so hard I have no doubt that your husband will find a new role that probably pays more we're manifesting that for sure on the flip side and I also you just let me know if I need to give you a helping hand

Starting point is 00:30:25 when it comes to unpaid super. I will. Thank you so much. And also a very huge thank you to Sky Wealth for making this episode possible. I'll chuck a whole heap of information about them, how to get in contact, what they do, how they do it in the show notes for you to check out.

Starting point is 00:30:44 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 your needs. Victoria Devine and She's On The Money are authorised representatives

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She's On The Money - The Move That Made Homeownership Possible

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