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Personal finance expert Tammy Barton, shares life changing money stories and looks at how money can transform every aspect of daily life.
0:00:00
I was just saying earlier that people would rather just sit there and talk to you about their sex life than they would about their money and their worry. You're not going to ask me to do that are you? Because it's pretty bleak. I've got much more to say about money. Welcome to My Money, My Story, where we chat to some amazing people about their money story and hear just how much money can really impact your life and I'm your host Tammy Barton, founder and director of My Budget. We begin today by acknowledging the Kaurna people, traditional custodians of the land on which we are recording our podcast today. We pay our respects to their elders past and present and we would like to extend that respect to all Aboriginal and Torres Strait Islander peoples. Thank you, Davo, for coming in today and sharing your time with us. I'm very excited to speak to you. So Davo is one of our wonderful My Budget clients, but she's more than that. We have a relationship because Davo also works at a radio station here in Adelaide. So Davo is a little bit of a I don't think, I mean, yeah, sure.
0:01:13
You are, you are. Don't play it down. Don't play it down. So I'm really excited to delve more into your story. Now, of course, I've heard your story before, but lots of our listeners haven't, and it's very inspirational. And I think also for the younger generations coming through, listening to you being so candid and authentic about your experiences will be really helpful for people that are listening. Yeah. So let's jump straight into it, Davo.
0:01:43
Tell us a little bit about your story and your journey and you can start as early as you like, the influence that maybe your parents had on you or just your journey and your relationship, I suppose, to money and nothing's off limits. Yeah, no worries. So be as candid as you like. No worries. Thank you so much for having me, Tammy. I'm very excited to be here today. And I really love my budget, as you know, so I'm sure we'll get into all of that as we go through, but yeah, thanks for having me, first of all.
0:02:10
But my story would be, I guess I could start with, I used to be a travel agent. So I was a travel agent for about eight years and I loved that job for a really long time, but I got to the age of about 28 and I listened to radio my whole life. I've always loved it. And when I was a kid, I mean my first memories of radio is Triple M coming to my primary school and my dad rang up and donated $50 to the cause that they were doing and they got me on air and I just thought it was the coolest thing of all time. So after that, I really listened to the radio quite actively and I've always loved it. And it got to a point in
my 20s where I was listening to that many podcasts, I was listening to that many shows and I thought, I need to do something about this.
0:03:02
I need to start my own podcast or something. And I googled how to do a podcast and Australian Radio School actually came up on my Google search and I decided to enroll into Australian Radio School and I was it's only a I think a 12-week course or something like that. And I did really well in this course. I didn't really expect anything from it. I was quite it's hard to believe when you meet me now but I was quite timid, not very much confidence and I finished this course and Sean Craig Murphy from SAFM said, ìHey, you've got something special.î And so I decided that, you know what, I'm going to quit my job. I'm going to go for it.
0:03:41
Let's just do it. Why not? Let's just go for radio. So I went traveling overseas for a few months and then came back and started volunteering it fresh. And that's sort of where it all began. What a brave move, quitting your job. I mean, listening to you speak now though, your voice, it's you, Sean Craig Murphy was absolutely right because you've got something there and I'm glad you had that person
in your life who encouraged you to embrace that because we want to hear this voice and you're just amazing on air and I just love the banter that you guys have there at Fresh FM.
0:04:14
Thank you. And Fresh FM of course are a big supporter of ours too and we love them just as much right back. It's a beautiful partnership. Yes, it's great. So you then started volunteering at Fresh FM? Yes, I was volunteering with Loz and Tomo at Fresh 92.7. They were the breakfast show at the time and I was doing breakfast producing, a lot of social media stuff and anything they wanted me to do, I put my hand up and I was their front row centre keen to do it.
0:04:41
Obviously not working was quite difficult as well, but I ended up finding a sort of mid-way job doing call centre work part-time so then I could still follow my radio stuff and eventually I was at Fresh for about a year and a half and the content director at the time said, ìHey, thereís a job going in Port Augusta on breakfast radio and I think you should apply for it.î So off I went. I applied for this job. I pretended that I could be a newsreader. I was never a newsreader. Iím too silly for that sort of deal. Too much personality?
0:05:11
Yeah. No offense to any newsreader. So I was like, ìYeah, I can do that. I can do anything. Went there, was there for three months and then Loz and Tomo got a new opportunity and they sort of said, hey, we'd love for you to apply for the job. I did. I got the job and I can tell you it was that day that I got the call to say you're going to be on the Breakfast Show. The feeling I can't actually describe it.
0:05:37
It was a dream come true. I couldn't believe that me being who I was growing up and which is quite a self-conscious person to being on Breakfast Radio which meant photo shoots, billboards, bus stops. It was just, yeah, I couldn't believe it. Well, congratulations because it was absolutely well-deserved. As I said, I listen to you guys and you're just amazing and you bounce really well with people and you've got the most genuine, beautiful personality. Oh, thank you. So I'm really excited to have you here on the show and unpack a little bit more of that personality as well as your journey and in particular, the journey as it relates to your finances.
0:06:19
Now, I'm sure quitting your job as brave and courageous as that was, I'm sure that would have had an impact on your finances, right? When your income stops coming in and you still have bills to pay, then it does have a bit of an impact on your situation. Definitely. So when, like I said, I quit my job, we went overseas, which we'd already had planned with my partner at the time. And then after that, we sort of came back and like I said, I worked part-time, but yeah, it was really hard to sort of get back on top of my finances. And then on top of that, I went through a breakup at that time and I was with my partner for about 10 years.
0:06:55
So, when you think for a long-term relationship, we had everything together and then being and then of course the pandemic was there as well. It was all coming at me. So, I lost my part-time job with the pandemic, then my relationship broke down and then I really felt like I was starting again. I was age 29, starting again from scratch and getting a job in radio meant that I had to move four hours away. So on top of no money coming in, moving house twice, yeah, it was a real struggle, absolutely. And when you have a relationship breakdown, it's not just the emotional burden that puts on you but it's then, like you say, it's splitting all the finances, it's potentially one person's taking the debt and the other one isn't.
0:07:44
And it's just the fun and in some cases I've seen where people lose half of everything, you know, and that's normal, but it's just also an additional stress when you have that breakdown and then do that in the pandemic and you know, you've got a triple whammy, you know. Yeah, it was definitely a very interesting time in my life. It was definitely a very hard time in my life, but you know, I always say everything sort of happens for a certain reason and everything has sort of come together since then, of course. And how was it, side note, how was it living in Port Augusta? Oh, living in Port Augusta, I actually really enjoyed it. I mean, and I say that, I say that I think because I'm not living there now You know when I was there my house that I was living in Cockroaches everywhere my air conditioner broke down every two seconds. It was 45 degrees It was hot, but I actually loved the freedom and every weekend I'd go out I'd go and do you know day trips to Point Lowly or Corn which are these beautiful spots Just describe to people where Port Augusta is because some people might not know.
0:08:49
Of course, yes. So Port Augusta is about four hours inland from Adelaide and it is... Hush. It's bush. It's out in the desert. It's country as they come. So yeah, it was definitely an adjustment compared to my life here. But like I said, I look back with such fond memories because I enjoyed my time. Yeah. I mean, I just absolutely love, adore country people or people from the country.
0:09:13
And I've always had like a little secret fantasy of, you know, living in the country for a little bit. But I mean, I don't think I'll actually get around to it, but I love visiting and I love the quiet and I love just the people. The people just make the country towns just beautiful. I've only been to Port Augusta once, but I just remember it being so hot and dry. Yes, that is two things that it certainly is. Absolutely. But yeah, like I said, really good experience and I'm so glad that I did it. And what about your friends and family at the time, moving away from them?
0:09:43
How were they supportive and everybody? Yeah, definitely. I think for me, it was good to have a little bit of a clean slate at the time. So getting away from Adelaide was awesome and I didn't have that pressure of daily life of, you know, I guess social things and whatever. I could just sort of really focus on myself and my career which was perfect for the timing. Which was, yeah, exactly probably what you needed right at that time. When we've spoken before in the past, you've said to me that you've often compared yourself to others which many of us do and we have to stop ourself doing it. Yes.
0:10:20
And I think particularly as women, we have more self-judgment and then we compare ourselves to our neighbours and our friends and family. And I know you've mentioned to me before that that's something that you've done in the past. Can you talk to me about that? Because I think a lot of our listeners will be able to relate to that, and especially those female listeners, because we do that so often. Well, I think because we are female, I think males, they don't self-reflect as often as they should, let's be honest. But I think I've always felt that way since I was a kid. I always felt a little bit different to other kids. I had a different sort of family set up to other kids.
0:10:58
My dad was physically disabled and my mom worked a lot and I sort of felt like I've always been a foot taller than everyone else. It just comes in handy if you play basketball. Take it from me, I'm a little shorty. Yeah, well, there you go. I always dreamed of being taller. That's the thing, the grass is always greener. But yeah, I think I always felt different to other kids and so even when it got into my 20s and stuff, I don't know how to explain it.
0:11:26
I just, yeah, I think you just feel different and I think we all have that worry that we're not quite fitting in like we should. And I think in my 20s in particular and now moving into my 30s, especially going through that breakup and then obviously starting again financially and starting a whole new career as well, it was daunting because I was looking around at all of my friends and peers and they were all married or having kids or they were well and truly established in their careers or they've got their houses or whatever they had going on was completely different to me. But I got to a point where I realized that doesn't matter and there's no time frame on anything. Anything you want, you can make happen and you shouldn't have to worry about a time pushing you to do that.
0:12:11
So, now I believe in that wholeheartedly. And do you think being different, when do you think you recognize that and do you think it's helped you become who you are today? And do you think you've been able to capitalize on the fact that you are a bit different? Because I know certainly for me, I've felt that, like I felt that I was different to certainly growing up, my household was completely different. I mean, nobody had a household like mine and we're not here to talk about my story, but I have a disabled brother and I had very young, my mum had me at 16, my dad was 19. I was different and I didn't like the fact that I was different. I couldn't do what everyone else did, but I reflect now and I go I'm very grateful for all of those experiences Yes, because it has made me think differently and I can capitalize on the way that I think because it's not like Everybody else so tell me about that for you Yeah, because I think I think we're getting to the point in society where we can see different is good Yeah, different is accepted I just accept it.
0:13:13
But there were times when obviously different made... When you're the one that's different, you don't necessarily always feel that way. No, exactly right. And I think it was hard growing up, as I said, but you are right. It has made me who I am today. And so I think being unique or being different or being a voice for those people that maybe do feel that way when they're younger, I think that's so important because I don't think I had someone that I would look up to as a kid that I felt that I could relate to and I hope to be that for someone else. So I just think it's everyone has their own limiting beliefs. It doesn't matter how pretty they are or how rich they are or whatever.
0:13:54
Everyone has their own limiting beliefs and so when I think about that within myself, no one's focusing on me because they're too worried focusing on themselves and I think I find comfort in that because it's special being yourself, isn't it? Yeah, it really is. And talking of feeling comfort, I feel comfort now that I'm a little older. I never used to, but now that I'm a little older, in those uncomfortable times and in those difficult times, I feel comfort knowing that I'm going to learn something out of this experience even if it's not going the way I wanted or my life is maybe not panning out in a certain way. I feel comfort in the fact that I'm just going to roll with it and there'll be something that I can take out of this to learn and grow as an individual and as a person.
0:14:39
And this is the path I'm meant to be on for whatever reason. And it's only with perspective now that I look back and I can see that. You know, when I was younger, I used to think I was really hard done by because I couldn't do all the things that all the other kids were doing for a number of different reasons, but they have made me who I am today. They've made me resilient and strong and all of those things that I need, they're the tools in my tool belt now.
0:15:05
Totally, and it's understanding of life and that helps you relate to other people as well. I think when you do go through those hardships growing up, it does, it makes you more aware of what's around you and the world itself and it does make you more grateful for the little things that other people
probably take for granted. Absolutely. And I think, you know, having young parents, not having a lot of money to go around, I was watching every cent of it and my mum actually wasn't very good with money. And I think watching her and her relationship to money helped me really understand what I shouldn't shouldn't do and sometimes those are the examples and it's having the wisdom to go yes
I'm going to be like that or maybe no I'm not going to be like that. Totally. And I think all of the experiences that you're talking about has helped you become the person that you are today and that you're going to continue to grow and develop yourself and go on your journey.
0:16:03
So, speaking of your journey, I know how you came to be a client of my budget, but talk to me about the journey and how you're feeling about your financial situation. Prior to joining my budget, was your finances something that you worried about? Did you ever lose sleep over it? Or was it that you were really looking to just do better with what you have. Tell me a little bit about that and let's get underneath how you felt because I think for a lot of people there's a worry about I have to come forward and talk about my financial situation. Yeah, terrifying. It's terrifying.
0:16:42
Yeah. And are people going to judge me? Yeah. You know, I'm already different. Am I going to be judged now by this? And it's absolutely the complete opposite of that. It gives you the control that you want but I want to hear your experience and your story. Yeah, so I think for many years I thought about joining my budget. Like I'm talking going back five years, six years ago, whatever and at the time my partner wasn't really that keen on doing it but neither of us were very good with money.
0:17:13
We didn't know how to sort of save and I think we both came from a different background where we didn't really have money growing up. So then when you did have it, you spent it because it was just that mentality of how exciting I can actually do something right now with this money. Great. So when I came to my budget, I certainly, like I said, I was going through all those changes. I had just got the
job here back in Adelaide and I was still so struggling with money. Every week was pay to pay and yeah, I just like I said to you, I didn't feel like in comparison to my other friends.
0:17:50
I had it together and I was almost turning 30 so it felt very shameful is probably the word that I'd like to use is shameful because everyone else had the freedom to do this or that and I didn't have that. And when it came to going to my budget and actually doing the consult, my goodness, my anxiety, I thought about cancelling it all morning. I was like, I don't want to do this, I don't want to do this. But obviously, it was just every step I had to reassure myself that this is a great thing that I'm doing and I know I'll end up better off for it. Stress 100%. Money even, you know, yeah, money just brings me a lot of stress as far as trying to organize things.
0:18:30
And it's not to do with the money itself. I don't mind. Money has never been an overly big motivator for me, but it's the stress of trying to figure it out and all these different moving parts and I want to save money, but then I've got a bill coming in for this and then I've got a bill coming in for that. And it's overwhelming for me. I can't do that. I'm a big picture person, not all these little details. And so my budget for me was the best thing to help take away that stress. And so I didn't have to worry about that side of things.
0:19:02
It was getting taken care of and I was also able to have money to do things that I wanted to do. Which is, I mean, just incredible. And I just want to say to you, I was so engaged listening to you talk so openly and honestly then about your situation and your journey. But I want to say to you, well
done to you because you did that. Yeah, thank you. You got yourself to the appointment. We're your partner in finance but you did it and you're doing it all now because that is a real difficult situation. I mean, I don't know how many times that clients have arrived at my budget and we've rung them to see where they are and they're just still sitting in their car in the car park mustering up the courage to come up and go through and talk out loud about their financial situation, which is a real difficult thing to do.
0:19:51
I was just saying earlier that people would rather just sit there and talk to you about their sex life than they would about their money and their worries. You're not going to ask me to do that, are you? Because it's pretty bleak. I've got much more to say about money. Oh, that's good. I can scrap that question off the list. That one's done. That one's done. Yeah, so no, I just think well done and I think well done to anybody who actually says, I'm going to just sort this out, whether they come to my budget or not.
0:20:24
That's beside the point. The point is just getting on top of that because it creates, like you just said, it's overwhelming, creates anxiety and I think if you can get someone to do that for you, then you can focus on the things you're good at, like being a radio presenter and living your life and being a bundle of fun and joy. I mean, I've been around Devo people outside of a studio and she's just a great person, a great laugh and lives her best life. Yeah, I really try. I think life's too short to not live your best life and every day is a blessing and I really and well and truly believe that. Every morning in the studio I say to the boys, guys, we are so lucky. We are on radio.
0:21:11
We've got thousands of people listening to us right now talk crap like this is amazing, you know, because it's interesting crap Yeah, just think to us. It's that like it's that just that banter that you know we all like we are social human beings with social beings and we crave that and Sometimes we want it, but we're just sitting in our car on our own Mm-hmm I'm listening to you guys have a chat and I hope people are enjoying listening to us have a chat today. And you're in your natural habitat with headphones on and not so much natural for me. I'm still learning each day.
0:21:49
You're doing amazing. You know, but this is my favourite bit, talking to clients. My clients are the reason I got up every single day and just pushed through any of the challenges because I know the difference it makes in people's lives. Yes. And that's what motivates me as a person. 100%. Like you, I'm not motivated by the money. It's just as long as I've got enough to cover the bills. Yes.
0:22:11
I'm happy. Exactly. I'm happy. This is about actually changing people's lives and having an impact on the community. Don't all of us at the end of our life want to look back and go, I did something meaningful? 100%. And for you, your meaningful is bringing people joy, listening to you on the radio, and it's all different for all of us. And my joy is taking stress away from other people so they can do what they're really good at.
0:22:33
Yeah, and when you've got a career that's so rewarding like that, it does feel so good at the end of the day to go, I've done this or that. If I've made one person smile, then I go, yeah, job's done. You know, how good. Absolutely, and sometimes people really need that. They want someone to make them smile. There's that much crap going on in the world. I think that all the time, like, you know, if there's someone that beats their horn at me because I accidentally cut them off, I'm sorry about that
because I do tend to do that.
0:23:00
It is what it is. But I think, you know what, they didn't have to get that angry, I get it, but that's okay. They've probably got stuff going on in their life that I don't know and I don't understand. I'm really sorry I didn't mean to cut you off, but you know, but you just get over things and you feel grateful that you didn't have an accident. Totally. I will say with that my budget appointment though, so how I was feeling when I got there was completely alleviated once I left.
0:23:29
I was so happy that I went in there and I had the most beautiful consultant that spoke to me. I was with her for I think it's like a two-hour consulting situation you're doing when you're going through everything. And I just felt so comfortable. I felt so happy that I had this person that was very understanding, empathetic and just got it. And she was so open as well with me, which made me feel more open. And after that appointment, the weight off my shoulders, I was like, oh, thank goodness, I don't have to worry about it now. I mean, I feel like you can, as you're speaking, and you were talking about that situation, I could see the weight that was lifted off your shoulder, and I feel like you can see that metaphorically with people, just their shoulders go up a little higher, and you just feel like, okay, I can get out there and face the world again, and it's not so bad.
0:24:24
In fact, it's really great. I've got the light at the end of the tunnel. I've got something to look forward to. And so what about you, Davo? What are you working towards? Where's your journey? Where do you want your journey to take you professionally, but also, you know, with your do you have any financial goals that you want to share? So I think for me, financial goals, being in radio, you know, if an opportunity comes up interstate, I need to be able to go, right, I'll take that and get up and go.
0:24:52
And so I think for me, at the moment I'm living with my mum at home, which I actually adore. She is the most beautiful woman and I feel really lucky to have this time with her. And I, but I do think, obviously I don't want to live with her forever, as much as she'd probably want me to, which is so weird. Oh, we're not that beautiful. Most parents are trying to work out a plan to get their kids out of the house. No, we have a really nice relationship, my mum and I. So, you know, I want to have that money to be able to go and be independent. And of course, later on down the track, I want my own house. I want that financial security where I feel like I'm in a place where I can live my life and not have to worry from bill to bill, which I'm still working at because, hey, my budget is amazing, but I can still access my money, which is a great bonus, it really is, but I am cheeky and I don't hold myself accountable enough but I can't complain because I still have access to my money, I still have all my bills paid without worrying about it but I can still live my life, my best life.
0:25:51
Yeah, I mean, and that is the point, right? Life is there to be lived, it's not about getting yourself to a point where you don't have any money for fun. You always want to be able to have money for fun and a good time as long as it's not impacting your overall financial wellness. As long as you're staying well, that's all that matters and that you're not stressed out about money. And I think it's absolutely brilliant that you're living at home with your mum if you get along really well. I speak to some Year 11 students most years about just money and finances.
0:26:24
Which I need to do more of that by the way. I didn't we didn't have any of that when I was in high school and that is such a valuable life lesson. I do not understand why they don't teach it in schools. And it's just the basics where you see like students eyes go up you know it's just the basic things and I one of the things I say guys if you can live at home with your parents your parents might not want me to say this but if you can live at home with them for longer you're gonna save so much money. So be kind to your parents, be nice, do the dishes and the housework too and you'll get to
live there a bit longer and you can save some more money because it's expensive. And I really feel for young people today because, I mean it was expensive when I was younger too but it just feels more expensive.
0:27:11
I mean the price of a house and a mortgage now compared to the average wage. It's about four times as much as what it was when I bought my house when I was 20. It's definitely house buying, that's a whole ballgame that I'm not even thinking about yet. But I definitely for me, I know one day that will come into the situation but for the moment, I'm just really happy living my life, saving a bit of money, getting ready for that next chapter in my life and my career and just seeing what happens. Yeah, and going with the flow and trusting that this is the path that you're supposed to be on. I think it's a real theme of this podcast is, you know, our guests and clients that we have on, always have something really to be grateful for. And I think if all of us could learn the act of gratitude and being grateful and employ that more in our life, then I think it would just be a better world that we live in. So that's why we wanted to shine a light on that and I'm interested to hear about you and what you're grateful for or your experiences with gratitude.
0:28:33
So I think I've probably got two main ones that I think about. I think a lot of females especially are very body conscious and worried about how they look and whatever and my body has gone through many changes throughout my life and I have been very critical of that with myself for a long time, but touching on what I said to you before about my dad being physically disabled, I am so grateful for a body that allows me to move, walk, run. I can do anything I want. You know, it doesn't matter what it looks like. I am grateful that I have an able body. And I am also so grateful for my mum.
0:29:11
These two things are things in my life that I just don't take for granted every day. And my mum in particular, she's such a strong woman. She's done, like she's been through a lot in her life, but she is so funny. I get a lot of my sense of humor from her and she's so beautiful and she just, she doesn't even realize how much she lights up a room and I just, I'm so grateful to have her by my side and yeah, she's amazing. Well, I think you got that trait from your mum lighting up a room because you certainly do that. Thank you so much. Your dad, you said he is, sorry, what was it that you used? Physically disabled.
0:29:46
Physically disabled. So he has passed now. It is just me and my mum. I'm sorry to hear that. No, that's okay. He passed away when I was 19. And I saw him with his physical disabilities from when I was quite a young age. So for me growing up with that, you know, like I said, that's why I am grateful for my body and I'm grateful for what I can do. But I also am grateful for the opportunities that life can give you.
0:30:09
And that's why I do wake up every day and say, I can't believe I get to do this because I know what it's like and I've seen what it's like when you can't. And yeah, you just got to be so grateful for what you've got, you know. I mean, absolutely. have an experience like you'd like with your dad and his
physical disability, it gives you something, a baseline to go, oh my god I'm grateful for this. And I think that more of us need to think about things like that and go, my life is actually pretty good. So it's just going, okay, well, I have two working legs, I have two working arms, you know, I can see all of these things are the things that we...
0:31:01
And I just think being born into Australia or living in Australia, there's so many things that we can find in our life, even if our life's pretty terrible at this point in time for whatever reason, there are things
that we can find to be grateful for and it's a great strategy to help us get through those difficult dark days to go, actually, I'm grateful for what I do have and don't focus on what I don't have. Because when you do that, that just ends in disaster. Yeah, I mean, and you can definitely get caught in that trap. But as you said, reminding yourself of what to be grateful for, there is actually so much in your life that you can be grateful for. I mean the sun setting and you know the sun rising and just there's just there's a load I could talk forever on gratitude so moving forward Where do you want to go? What is it? You know, we fast forward 20 years Where is it that you want to be and what do you want to be doing?
0:31:56
And and how does that because I always say money into it interrelates to your life, but money is only the enabler. That's it. It's you setting these goals and it doesn't even have to be 20. Let's go five or wherever you feel comfortable with a year away. Yeah. So I think for me in the next, say, five years, I want to be like radio is my passion. I love it. I also love podcasting. So for me, I want to be able to have a successful podcast. I'd love to be on a commercial radio station, breakfast or drive, whatever, I'll take it.
0:32:31
Anyone listening who likes radio, you can look Devo up on LinkedIn. Yes, LinkedIn, I am on LinkedIn, yes. Check her out. So, yeah, I think commercial radio and I think but I do think, you know, such an important thing in this life is human connection and having someone in your life that you can love. And I mean, obviously, loving yourself is number one, but I'd love to be able to share my life with someone as I get a little bit older. But I definitely think career-wise, I just want to say sky's the limit and just keep pushing and seeing what happens.
0:33:02
And hopefully I can make a difference in someone else's life. Oh, yeah, absolutely. You're already doing that. And it's just a matter of making a difference in more people's lives. So well done, David. Do you know what your podcast, what you'd want to talk about? I think it'd be emotion-based.
0:33:17
So for me, I think I'd like to do a podcast where I focus on a particular emotion with different guests each week and we talk about experiences or funny stories or things in life that has, you know, led you to feel a certain way. So we'll soon see. Fingers crossed, we'll see how we go. Beautiful. Well, best of luck with that. Thank you. If there's anything that we can do to help you on that journey, you just let me know. Okay, so we're coming to the finale and we're asking all of our guests this question.
0:33:47
So it's more about the message you want to get out to the world. So think of it as a billboard, think of it as a sandwich board, think of it as one of those things that fly in the air, one of the blimps. Yeah, the blimps, nice. If there was a message on a blimp going across the beautiful Glenelg Beach, what message would you like to get out to the world? Gosh I think it would have to be something to do with being kind to everyone always because you never know what they're going through and I think that that is massive for me and loving yourself so I think there's two there I'm sorry but love yourself is so important and I think yeah be kind to others because gosh, people are going through it every single day.
0:34:30
Absolutely. I couldn't agree more. That is beautiful, David. I'm getting shivers. Oh, stop. Doing this podcast is quite emotional and I love that. Be kind always. And I know it's not easy for people to do, but pull yourself into it, people, and just be kind always. And love yourself.
0:34:50
I was just saying this to a friend the other day. I said stop using the filters I want to see what I look like when I'm like 60 because I'll probably look back and think I look good now Like I remember when I was 20, I'm looking cringe at the photos and now I'm going damn Exactly See, these are the things you've got to be grateful in the moment because you're the yeah Otherwise you just you you're looking back with regret. I always think that. I look back a year ago and go, gosh, she was hot. Yes. What's going on?
0:35:20
How did you feel when you had that photo? You were like, oh my God, I need to crop that. Oh, that's my bad leg. No. I'm not standing right. No, you can't do that. You just love yourself because you're the biggest supporter. At the end of the day, you go home and even if you've got people around you, you are really with yourself. You are. And you said this earlier, you said, oh, I'm on billboards and this and that.
0:35:44
I don't know about you, but when I started going on our TV ads and I was on back of buses and stuff that you're doing now, I just had to let it all go. I just had to go, be with it. No one cares what you look like. It's not about that because I'd be like critiquing everything and oh my god, what did they use that picture? They could pick the better one, you know, but you know, just gonna let it go But that doesn't matter does it because you're a boss babe You're so successful and you a beautiful person inside and out you can tell that Tammy so it doesn't actually matter Does it not those little things in life? It's very kind of you saying that see be kind always there you go And on that note, I think boom, might drop.
0:36:28
Sounds good. Thank you for having me. Thanks, David. I really appreciate it. No worries. Thanks for joining us today. To hear more about our stories and budgeting tips, head to mybudget.com.au to check out our resources there. We've got free budget plans that you can download, and if you're interested in taking that next step so you can start living your life free from money worries, just give us a call and book in your free appointment.
0:36:52
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