 Balding was born on 7 October 1967 and lived in Wagga Wagga, New South Wales before moving to Sydney and gaining employment as a teller at a branch of the then State Bank of New South Wales on George Street.She was due to marry her fiancé Steven Moran in March 1989.The couple had purchased a house in Berkeley Vale, approximately north of Sydney, and rented out that house to help finance their wedding.