Patti

speaker

250 appearances 1 recordings 1 series first heard May 2022 last heard May 2022

Patti’s voice in public audio — every appearance, attributed to the second.

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Australian Finance Podcast · Patti’s Story: Moving countries & paying off $150k in student loans · 5 May 2022 podcast

So I went from paying monthly to weekly.

i just thought it worked for me because i really wanted to keep that whole weekly repayment like as if i was still renting so just kept that whole mentality going so paying it weekly also reduced my loan considerably and then having that offset so when i came to buy my second property um

Last year, I had equity within that Melbourne property to borrow to purchase my second place.

Oh, for sure.

And like, if I'm being transparent, there was like maybe a year where that lifestyle creep did come up and I was like, you know, buying clothes and,

and going to expensive dinners and lunches.

And it really took a toll on me because when I did my, you know, like analysis post that six months or whatever, I thought, oh, you're an idiot.

Like you spent so much money on unnecessary things.

And so I kind of reeled, like reined myself back in.

Same, same.

So yeah, you do go through those ebbs and flows.

I know I did say to myself when I got that second loan that I wanted to prioritize enjoying my early 20s or my mid 20s at that time with more holidays for experiences because I wanted to value more experiences than things.

So then that gave me a goal because I loved setting myself monthly goals.

And I think that really stemmed back to having that large student debt where I knew that I just had to get to that next month or get to the next repayment.

And that internal drive is just is, you know, very much instilled within me and is still very much alive.

That's how I kind of do my personal finance.

Oh, 100%.

And I think...

you know, it takes away that whole, you know, that daunting feeling of, oh, I've set myself this massive goal, but if I'm breaking it down to smaller bite-sized chunks, I feel like this is more achievable.

And then it gives you, you know, it allows you to have those small wins.

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