Hi! Can you introduce yourself?

My name is Queenie and I'm passionate about making money and investing. I'm based in Sydney, Australia. My personal finance journey started when I loved out of home at 19 and I was earning just $400 per week. I could barely afford to pay my bills and groceries each week. Fast forward only a few years and I have bought my own home, I have investments, I have a 6 figure income and I'm on a journey to reach financial freedom. I feel very grateful for how my life panned out and I wanted to be open, honest and transparent about my journey and the things I've learned on my YouTube channel.

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What personality type did you get? Did you find the results to be accurate? ‍

This was a really great personality test! I ended up getting the Optimiser! I did find it accurate. I am very frugal when it comes to my expenses and I'm always looking for ways that I can spend less money.

What inspired you to start? For completely new readers, what is the “tl;dr” of your brand? What kind of content have you created, so the readers have an idea of what to expect!

I was inspired to start a YouTube channel about personal finance after COVID happened because I saw people losing their jobs and struggling and it made me feel like I needed to create content, put it out there and do something good in the world. I try to create content which is helpful and unique from my own personal perspective and experience. I cover topics such as investing and saving money tips, marketing tips, real estate and stock market investing and how to travel smarter.

What is your relationship with personal finance? - If applicable, how has that defined your current pursuits? What changes have you made that have helped? How has it changed over time?

I grew up really frugally, so that's really impacted the way that I view money and my goals to get to financial freedom. Since I grew up frugally, money was something that I've always respected and I'm grateful for all the money lessons I learned growing up frugally.

Eventually, I'd like to get to financial freedom so that I can work on my own terms.

What are some things that worked for you for maintaining balance and managing your spending?

Having a goal!! It's so important. I had a goal of saving for a house deposit and it made my saving and investing a lot more meaningful and it was easy to manage my spending. After I reached this goal, I now have the goal to get to financial freedom so it helps me maintain a balance and manage my spending.

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What’s the worst money advice you’ve ever received?‍

Worst money advice, probably investing in cryptocurrency, but I think that was my fault for not getting out at the right time and not knowing enough about investing. I invested in cryptocurrency back in 2017, I made a 400% return on investment and then I lost it all in the cryptocurrency crash back in 2018.

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What do you most enjoy spending on? Or any guilty pleasure you can share. 

I love traveling. It makes me so happy. I love visiting new places and exploring new ways of life. I can't wait until COVID is over so I can do this even more.

How often do you check your finances?

Once per month, when I do my credit card statements. Occasionally I'll check MoneyBrilliant which is an app I use to track my spending, assets and liabilities.

What’s your stack?

I have a high interest savings account with ING. I use American Express credit cards and Mastercards to purchase things with, because I collect points. I always ensure that I pay off my credit cards in full each month so that I don't get into debt. I also use MoneyBrilliant to track my net worth and expenses.

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For someone who is starting completely new to personal finance, how would they get started? What specific tips would you have for newbies?

Watch personal finance YouTube videos (shameless plug to my channel) and also reading. Some books I love related to personal finance are: Rich Dad Poor Dad, The Millionaire Next Door and Invested.

Follow Queenie on Instagram @investwithqueenie & Youtube

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hello@quirk.money