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Chapter 1: What is the main topic discussed in this episode?
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.
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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 stories for educational purposes, of course.
Welcome back to another one of our Money Diaries episodes brought to you by our friends at 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 incredible. Exactly like this. Hi, Victoria.
I'm 31, a nurse and a single mom, which wasn't exactly part of the plan. At 30, I unexpectedly fell pregnant while working 70 hour weeks across multiple jobs. Money wasn't the problem, but everything else suddenly was. Overnight, I had to stop just earning money and start being intentional. Budgeting, planning, building a safety net and figuring out how I can do this on my own.
It's been messy, it's been overwhelming, but it's also been the joy of my life. Also, this forced me to get really clear on what I wanted my life to look like and how I was going to build it. It might not have been the plan, but I'm really proud of where it's landed. Money Diarist, welcome to the show. Hello, nice to be here. I'm excited.
Now, before I dive into getting to ask you about your money story, I always ask what grade would you give your money habits if I asked you to give them a grade from A through to F? Probably C. C. All right. I like it. Let's learn a little bit more about that. Money Doris, can you give us a little bit of an insight into what your money story looks like? So I'm 31, how old I was.
I always forget how old I am. Like the other day I told someone that I was 30. I'm not. I'm 34. I'm turning 35 this year.
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Chapter 2: What inspired the guest to rethink her financial situation after becoming pregnant?
It was fun. But for that, I'd get 150 a weekend. Not great money, but it was a good time. And I got to stay in nice motels and well, I was at the polo every weekend. So it wasn't too bad. That is quite cool. And if you're a horse person, that just feels like a good sitch. Yeah.
And I was in high school, so I was away every weekend. So moving away from horses and like your first job growing up, what did you want to become? Like, did you go to uni? Did you finish? Like, what was the plan there?
I've never really had a plan for a little bit. I wanted to be a heart surgeon. And then I spoke to one and it was 20 years of study. Isn't that crazy? So that put me off. I was like, that is not for me. So then I thought nursing, I did my AIN certificate through school. So once I finished school, I started that job and did that for nearly a year.
And then I moved again and started uni to do my RNs and got halfway through, but didn't love uni and had three jobs. which were paying. So I ended up leaving and I bought my first property.
And in between all of that, you have had a baby as well and you're a single mum. So like, I feel like we need to extrapolate that out a little bit because you're like, oh yeah, and like I did nursing and then I bought a block of land and a lot of people are going to think, okay, like that's a pretty linear journey. No, sorry. There's a baby in the mix. There's single mumdom in the list.
Tell me a little bit more about that. Like let's speed back up and kind of come into adulthood. So you're 34 pregnant. It was a surprise? Yes.
The doctors told me I would not have a baby. I've got fairly bad PCOS. So I just didn't think it was an option. And I had exes in the past and we tried and it hadn't happened. So I wasn't being very careful. I was living my best single life and... I was meant to have this baby.
Was that exciting or was that overwhelming? Like I have not been in the position where I found out I was pregnant without planning it. And even when I found out I was pregnant after planning it and desperately wanting it, there was this like overwhelming sense of, oh no, what have I done? This is a very adult decision. Like I'm just a baby. What is going on?
What does it feel like finding out you're pregnant when you're single and you didn't think that you could get pregnant?
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Chapter 3: How did the guest's work-life balance change after discovering her pregnancy?
which I never do. I never feel sick in the morning. So I went home and took a test. It came back positive. And I was like, this is... How did she know? I think she just wanted to not be the only one with a kid. She's like, I'm manifesting a pregnancy for you. Yeah. So I got home, took the test. It was positive, panicked for a minute. And then I just went to bed.
I was like, this is a problem for work tonight.
I love that. And you're like, you know what? I'm not dealing with this. I'm going to sleep and I will deal with this another time. Yep. My goodness. So I woke up, went to work and then just spiraled a little bit. As you would, because that wasn't part of the plan.
No. And how pregnant were you when you found out? I found out on the Thursday and managed to get in on the Tuesday and they did a scan even. So I think I was five weeks.
That's so exciting. I mean, I think that's so exciting. But what does it look like when you're single, you know, you're a nurse, you're doing night shift, like the lifestyle that you were leading obviously is very different to then finding out, hey, so in like approximately nine months, you're going to have a newborn. What was the shift that happened there?
I was just so unsure about everything. I spoke to my best friend and she was like, no, you'll be fine. Like, it's great. She didn't tell me straight away, but she was pregnant at the same time. Oh my God, how exciting. But I didn't find out for probably another month that she was pregnant. She didn't tell me for a while. I had a feeling she was though.
Yeah, but you never want to be the person that asks. I was the same with my best friend. I remember she came over to my house and I was thinking, there's something different. There's something different. Like I can feel the vibe is off.
It was just after New Year's and she wasn't drinking. And I was like, I bet. But then I knew she'd been trying for a while. She'd been trying since August. And I was like, well, maybe she's just being healthy. But yeah, and I was just so unsure because it had just been the festive season. And I didn't know I was pregnant, so I was eating all the things you shouldn't eat.
I worked over Christmas, but I never worked for New Year's. Yeah. And I do all my drinking for the year on New Year's Eve. You just make up for it. Right, okay. Yeah, horrible timing, just lifestyle-wise. But, yeah, decided that she was meant to be here. So I cut out the caffeine. And I was living on pre-workout because I work so much. So I cut out the caffeine and, yeah, just –
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Chapter 4: What financial responsibilities did the guest face as a single mother?
I think I'm getting... better, but now that I can't just pick up a double shift, I need to, I'm very good at online shopping and having nice things. So I need to get better at saving. Yeah. Very fair.
very fair and having a backup plan because already I just had a week off work because my baby was sick yeah and that's rough and because I've just started back I've got no leave so yeah okay and that I feel like that's where it starts to really become a challenge because you don't have that second co-parent to kind of lean on and negotiate all right well I've taken leave from work it's your turn rah rah like you end up in a bit of a pickle because you're like well it's
just me and that's perfect for your situation but at the same time it's like ah financially that's going to mean that we may be needing to budget a little bit tighter and be a little bit more aware yeah I need to stick to the budget and I don't think that's a bad thing no it's a very good thing I'm just not used to doing it
I'll set you up with a money masterclass but I want to know because we've just had this very cool conversation like you're 31 didn't think you could have kids got pregnant get to do it on your own was working 70 hour weeks and like you've hustled up all of this just cool stuff in your life and you're like oh I think I'm a C. If I had read this story back to you would you go that lady's a C or do you think that maybe you're being slightly harsh on yourself?
Maybe a bit harsh on myself, but I definitely need to change my habits now that I have. a child.
And that's okay. But that doesn't mean that you're bad at money. It just means we need to change the way things work because what previously worked isn't going to work anymore. And that's cool. But that doesn't mean you're bad at it. I feel like a C, that's not representative. Like I'm just super proud of you. I just think this is so cool. The fact that you're like, nope, I can do it myself.
And you know, my biggest problem is I can't pick up a double shift. I'm like, queen, like the last thing I would be thinking of when I had a six month old is is picking up a double shift. Like that's crazy to me, but in the best of ways. Thank you. I love it. Well, thank you so much for sharing your journey with us and with the She's On The Money community. I have adored getting to know you.
It's been really fun. But at the same time, I'm just, I'm really proud that there are such cool people and such cool mums in our community, just like hustling it up, you know, like, sorry, when you said I bought back my property from my ex and then, you know, still made a profit on it when I sold it three years later. Like,
you're switched on i love this yeah thank you 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
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