280926 money diary
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What is the guest’s money story and how did they become mortgage‑free by age 41?
My name is Natasha Bamblett. I'm a proud First Nations woman and I'm here to acknowledge country. 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, bringing you the tools, knowledge and resources for you to thrive.
Hello and welcome to She's on the Money, the podcast that lets you be pervy about other people's money stories for educational purposes, of course. 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. 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. My husband and I bought our first home at 19 and our family home 15 years ago. Through hard work, disciplined saving, and avoiding debt like car loans and credit cards, we became mortgage-free by 41 without any family help or any windfalls.
We've always played it safe financially, but now we're at a crossroads. With retirement on the horizon, we know it's time to make our money work harder, yet we're really unsure about where to start. We've just opened a Sharesies account for myself and our 12-year-old son, and we'd love to learn how cautious savers can confidently become smart investors. We also travel a lot. Instead of buying fancy things, we go on trips. Money Diarist, what the heck in this economy? You became mortgage-free at 41?
Yes, we did. Yes.
Yes. That is crazy cool work. Yeah.
Yeah.
So, if I asked you to give your money habits a grade from A through to F, what grade would you give them?
I thought probably a B minus. All right.
Happy to, I mean, I don't know, you don't have a mortgage. Yeah. But tell me a little bit more about your money story. Where does it
start? Probably, I was thinking about this yesterday. So growing up, my parents, we always owned businesses. My dad got right into investing in the property market probably when I was like an early teenager. So I sort of was always watching what he was doing. We also, we did, my dad bought and sold a lot of houses all the time. So we were always moving house every couple of years. And he was always taking risks financially to try and he basically, he wanted to be rich and he kept just doing stuff for us to become rich, which meant usually it was selling houses. We also owned, he owned businesses. So my brother and I, we were always told to work hard for stuff. So if we wanted something, we would work. I was thinking one of my first things I did, I remember school holidays when I was about 12 was
I wanted a Roxy bikini from the local
surf shop. So relatable.
I worked all school holidays to get my Roxy bikini. And you got
it? I did. Yes. Do you remember what it looked like? Cause like, I'm pretty sure you could describe it to a T, right? Tell me about
it. It was black. It was just a black triangle bikini and it had like the Roxy love heart. Oh,
it was very important to have the logo. Yeah. Yeah. I had a Roxy bikini as well. And that was my very first bikini because my mom didn't let me wear one until I turned 16. I had to wear one pieces until then. Yeah. And my Roxy bikini was red polka dots and it had white frills all around the edge. And like, I just remember thinking that was the coolest thing in the entire world. Yes. Like you triggered such a memory for me. I was like, oh, I remember my Roxy bikini for sure. was such a big deal for us back then. Absolutely. So tell me more. What happened next?
So I met my now husband when I was 18. So we'd just finished school. And my husband actually worked for my parents in one of their businesses. So we used to manufacture souvenirs.
Yeah. And then they were like, okay, he passes the recruitment process.
Yeah. My mum actually was the one who pushed me to go on a date with him.
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Chapters
8 chapters
1
What is the guest’s money story and how did they become mortgage‑free by age 41?
0:00–5:24
2
How did they transition from saving for a first home at 19 to buying property and traveling abroad?
5:24–10:50
3
What steps did they take to start investing with Sharesies for themselves and their 12‑year‑old son?
10:50–16:54
4
Why are personal insurance and a trusted financial advisor critical for their family’s future?
16:54–22:41
5
How does their weekly budgeting system keep lifestyle creep in check and ensure bills are always paid?
22:41–27:29
6
What are their biggest “good” and “bad” money habits, including spending habits on Amazon and Kmart?
27:29–32:28
7
What are their next financial goals – bigger home, retirement income, and passive earnings?
32:28–38:38
8
What final advice do they give listeners about finding the right advisor and taking actionable steps?
38:38–43:56
Speakers
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