Episodes:

723: The Secret Trick to Setting Goals You’ll Stick With - 15/11/2024

Today, we’re getting real about one of the biggest money questions: What should I actually be saving for? With huge goals like buying a home, retiring, or traveling, it’s easy to feel overwhelmed or just plain stuck. We’re here to help you zero in on goals that feel exciting and truly worth it. But that’s not all—we’re also breaking down a game plan to tackle debt smarter by deciding which debt to pay off first. We’re breaking down how to prioritise your payments for maximum impact. And since it’s Friday, you know what that means: community shout-outs, juicy confessions, some clever broke tips, and all the fun ways our She’s on the Money crew is winning at finances this week. Get ready for insights, laughs, and some serious money motivation!

722: Hot Shares or Hot Mess? Finding Real IPO Opportunities - 13/11/2024

Ever wondered if IPO shares are your ticket to fast-track wealth? Today, we’re cutting through the hype to get to the truth about Initial Public Offerings, from how they work to whether buying shares early really pays off. Victoria’s got practical tips on what to look for before you invest, and Bec’s asking all the questions you’ve been dying to know. Get ready to make smart, confident moves with our guide to buying IPO shares—without falling for the hype

721: Going All In On Property Investing - 11/11/2024

Who knew that selling Cadbury chocolates could be the first step toward building a property empire? Today we meet a Money Diarist who started her hustle by selling chocolate bars to fund school band trips and eventually went on to run her own business. After being told she’d never qualify for a property loan, she proved everyone wrong by securing not one, but two properties in just seven months! With a story that’s equal parts sweet tooth and savvy saving, she’ll take us from her $10 drum lesson days to running a fashion business—and now setting her sights on a ten-property portfolio. This one’s a goodie!

720: Talk HECSy To Me - 9/11/2024

HECS relief or HECS headache? Today, Victoria dives into the details behind the government’s new HECS proposal, including a 20% debt discount and changes to the income threshold for repayments. Sound like a win? Maybe. But as always, the devil’s in the details. Tune in for the full breakdown on what these changes could mean for you now—and for years to come!

719: Is This a Red Flag Side Hustle? - 7/11/2024

Ever had a partner bring up a money idea that makes you nervous? We’re talking a side hustle that sound more “uh-oh” than “income,” as one listener shares her dilemma. And have we got thoughts! Plus some hot takes on managing super during work breaks. Grab a drink and come hang with us for all the usual laughs and advice!

718: Ask Victoria Anything - 6/11/2024

Welcome to the ultimate money game! In today’s Ask V Anything episode, we’re flipping the podcast into a full-blown game show. Victoria is in the hot seat, answering your wildest, trickiest money questions—from real estate decisions to to prenups to business hacks and everything in between. Think you can guess her answers? Time to find out!

717: When Cancer Changed Everything... - 4/11/2024

After years of navigating life in rural communities on a single income, our family of six was on the path to financial security. But when our youngest daughter faced not one, but two battles with cancer at just three years old, our plans took a drastic turn. Now, with resilience as our foundation, we’re thriving in the city, teaching our children the value of investing, goal-setting, and the power of pivoting.

716: MLM Secrets Revealed: Why 99% of Recruits Never Make Money - 2/11/2024

Ever been hit with a ‘Hey, hun! Wanna be your own boss?’ message? Well this week, I'm pulling back the curtain on MLMs (Multi Level Marketing) and exposing how they exploit ambition, financial insecurity, and social media influence. From luxury cars that aren't really free to the endless cycle of recruiting, MLMs thrive on confusion and flashy promises—but leave most people at a financial loss. Ever since I started spilling the MLM tea on Instagram, my DMs have exploded. Clearly, this is a conversation you don’t want to miss!

715: Finding out your colleague makes more - and how you fix it - 1/11/2024

Ever found out a coworker’s doing the same job for more pay? Infuriating right? Today, we’re taking a deep dive into this dilemma. Join us as we dissect jaw-dropping negotiation stories, discuss how to get paid what you’re worth, and tackle the awkward money moments in relationships, like whether your partner should really be running to the Bank of Mum and Dad. Plus, of course, all the regular Friday fun!

714: Marketing 101 (Part 2) - 30/10/2024

Ready to take your marketing game to the next level? In part two of our Marketing 101 series, we’re diving into paid and earned media strategies to help you reach new audiences and build lasting brand buzz. From using ads strategically to making the most of organic PR, this episode covers everything you need to create a balanced, omni-channel strategy that doesn’t break the bank. Tune in for practical tips, insider tricks, and real-world examples that’ll make your marketing efforts work harder for you!

713: How I've Made It Work as a Single Mum by Choice - 28/10/2024

Being a single mother by choice is a bold decision, and today’s money diarist shows us what it really takes to make it work. She’s diving into the realities of funding IVF, managing childcare costs, and building financial security—all on her own terms... and one income. This episode is raw, real, and full of insights for anyone wondering if they can do the same.

712: Trick or Treat: The Psychology of Discounts - 26/10/2024

This Halloween, beware… retailers are casting bewitching spells on your wallet! Ready to shield your bank account from the chilling charms of ‘limited-time offers’ and the sinister ‘Buy-One-Get-One’ spell? Victoria is here to reveal the sneaky sales tactics lurking behind every discount from Black Friday to Boxing Day. Victoria’s got the tricks to help you dodge their traps and only take home the real treats this Halloween.

711: Why You Should Always Negotiate - 25/10/2024

$50K tax-free but your partner says no — what would YOU do? In this episode, we unpack a major dilemma: would you chase financial security or stick with relationship stability? Plus, when a $10K settlement is on the table, is it ever enough, or should you always negotiate for more? We’re diving into the risks, rewards, and real-life stories from our incredible community. Tune in for some juicy discussions, money wins, and a few surprises along the way!

710: The Secret to Managing Your Super — And It’s Not an SMSF! - 23/10/2024

You’ve heard the buzz about Self-Managed Super Funds (SMSFs) and maybe thought, “Do I need one?” But here’s the twist — you probably don’t. In this episode, we’re cutting through the confusion and breaking down why an SMSF might sound like the ultimate power move, but often ends up being way more work (and cost!) than it’s worth. If you’re wondering how to grow your super and take control of your future without the admin headaches and DIY stress, we’ve got you covered. Tune in to discover smarter, easier ways to manage your super like a pro — no SMSF required.

705: Blindsided by My Husband and Rebuilding My Future - 14/10/2024

We're chatting with a Money Diarist who was completely blindsided when her husband announced he was leaving just months after they relocated to a new state. With a divorce looming and joint finances tied up, she’s been left to figure out how to support herself and her two children after spending years out of full-time work. But here’s the thing, she’s not backing down. Despite the heartbreak, she’s determined to rebuild and create a stable future for her family. Join us as she shares her story of resilience, strength, and life after divorce.

704: your debt doesn’t define you - 12/10/2024

Feeling overwhelmed by debt? You’re not alone... and it’s time to flip the script. In this episode, Victoria Devine helps you break free from the mindset that debt defines you. We’ll explore how to separate your self-worth from your financial situation, tackle debt with a plan, and take back control of your financial future. If you’ve ever felt stuck or ashamed of your debt, this episode is your reminder that you’ve got the power to turn it around.

703: Is Buying Property the Only Answer? - 11/10/2024

Is buying property the only answer? In today’s episode, we dive into the pros and cons of going solo on the property ladder. Jess is celebrating your best money wins, Bec has some smart broke tips, and we’re tackling a dilemma straight from the DMs: Should you reduce your work hours to avoid burnout or tough it out? It’s all happening this Friday, so tune in for some financial wisdom and fun!

702: Community-Tested Cost of Living Hacks - 9/10/2024

Living through the cost of living crisis doesn’t mean sacrificing your joy. In this episode, we’re sharing our community’s best-kept secrets for saving money without losing the little things that brighten your day. From grocery tips to rethinking your phone plan, these smart strategies will help you keep your wallet happy and your lifestyle intact!

701: How a $70k Pay Cut Led to True Happiness - 7/10/2024

In this episode, we meet a Money Diarist who made a life-changing decision that most people would think twice about. She walked away from a nearly $100k job in Melbourne, took a $70k pay cut, and moved to the country to work in education support—a job she’s truly passionate about. While it might sound like a risky move, she’s never been happier. Not only does she love going to work every day, but living in the country has brought unexpected financial perks, proving that sometimes passion really does pay off. Tune in to hear how chasing fulfillment over paychecks transformed her life in more ways than one!

700: Secret Money Lives of Mormon Wives - 5/10/2024

You don’t need to have seen The Secret Lives of Mormon Wives to get hooked on this episode. We’re uncovering the surprising ways these women are flipping traditional roles and becoming financial bosses. Even if you’re not caught up on the drama, you’ll learn some serious lessons about financial freedom, power dynamics, and how money changes everything.

699: Should You Pay Off Debt First? - 4/10/2024

Ever got an extra bit of cash and wondered if it should go to your debts first? That’s a money dilemma a SOTM community member is having, so we’re breaking that down today! Plus, Jess is sharing your best money wins, Bec’s coming in hot with her top broke tips, and we’ve got a spicy DM about whether chasing up friends for a few bucks makes you petty or practical. It’s finance, fun, and Friday vibes all rolled into one. Tune in for a laugh and some smart money moves!

698: How to Stay Confident Through the Highs and Lows of Investing - 2/10/2024

Investing can feel like a rollercoaster, but today we’re zooming out and seeing it for what it really is—the long game. In this episode of She’s On The Money, Victoria and Brooke from Sharesies are breaking down how to keep your cool when the market gets bumpy, why it’s so easy to get caught up in the emotional swings, and how to stay focused on your long-term goals. Whether you’re just starting out or a seasoned investor, we’ve got the tips to help you ride the highs, embrace the dips, and let compound interest work its magic. Tune in to learn how to invest with confidence, patience, and a big-picture mindset!

697: Life After Two Financial Separations - 30/9/2024

Today’s Money Diarist has been on a rollercoaster of a financial journey. She started her working life at just 6 years old, spent 18 years in hospitality, and went through two financial separations that could have set her back for good. But now, with three investment properties, a thriving side business, and a well-earned promotion, she’s on track to create the future she’s always envisioned. Tune in to hear how she transformed her setbacks into stepping stones and is now preparing for the retirement of her dreams.

696: Small Habits That Create Big Financial Wins - 28/9/2024

Why do some people seem to effortlessly build wealth while others stay stuck? Spoiler: It’s not just about how much you earn, it’s about how you think and what you do with your money. In this episode, we’re diving into the key habits and mindset tweaks that successful people use to unlock financial freedom. Want in on the secrets? Click play and let’s go!

695: Should You Risk Buying Property With Family? - 27/9/2024

Ever thought about buying property with a family member? One of our community members is in this exact situation, and they need our advice! So today, the team breaks down their thoughts on co-owning property with family... what works, and what could go wrong. As always, we’re bringing the Friday vibes, celebrating money wins, broke tips and tackling a finance question about covering the cost of egg freezing. Tune in for all the Friday fun.

694: Marketing 101 (Part 1) - 25/9/2024

How many of you are relying solely on social media for your marketing? Maybe you’ve thrown some cash at ads, hoping they’d work miracles? Well, in today's Business Bible episode I’m here to drop a bomb... social media alone is not a marketing strategy. But don’t stress, because, as always, we’re here to give you the real scoop on what it takes to build a successful marketing plan that actually works. We’ll cover the essentials, from defining your brand identity to understanding the power of your owned media, so you can get off that content wheel and start seeing results.

693: $40k Salary to a $400k Side Hustle - 23/9/2024

Today’s Money Diarist made a bold move, turning her life (and bank account) around! Feeling stuck in her job, she spotted a golden opportunity, took the leap, and built a side hustle that’s now bringing in some serious cash. She’s proof that with a little strategy and a lot of hustle, you can completely transform your financial future. Tune in for an inspiring, feel-good story that shows how hard work and a smart idea can lead to the life you’ve always dreamed of!

692: Beauty on a Budget - 21/9/2024

Have you ever wondered why your beauty drawer is overflowing with products you barely use? It’s not just you—It’s V too. And it’s all part of the game beauty brands play to keep you spending. This episode V is here to break down the marketing tricks that get you to hit ‘add to cart’ and how to shop smarter without falling for the hype.

691: INVESTING AND TAX MADE SIMPLE - 20/9/2024

Tax and investing... sounds daunting, right? Not today! V breaks it down in her signature easy-to-understand style to help you keep more of your money while growing your investments. Plus there's all the usual Friday fun. We’re celebrating your biggest money wins and digging into a juicy dilemma about in-laws who just won’t stop spoiling the kids with over-the-top gifts. Tune in for all the tips and tea!

690: The Childcare Catch-22 - 18/9/2024

Wondering if it’s worth returning to work when child care costs are eating up your paycheck? You’re not alone. This episode takes a closer look at the true cost of child care, the long-term impact of a career break, and practical tips to navigate these tough decisions while keeping your financial goals in sight.

689: Turning a Property Regret into a Real Estate Win - 16/9/2024

This week's Money Diarist turned her biggest property regret into a real estate success story. After purchasing her first property at 22, she quickly found herself overwhelmed by mismanagement from her rental property manager and strata. The stress nearly pushed her to sell at a loss, but instead, she fought back, secured new management, and reclaimed control of her investment. Tune in to hear how she transformed a major setback into a stepping stone, and get inspired by her resilience and determination to turn things around.

688: Didn't Save in Your 20s? Here's Why it's OK! - 14/9/2024

Did your 20s look more like cocktails and concerts than savings accounts and spreadsheets? You’re not alone, and guess what- it’s totally okay! In this episode, Victoria Devine breaks down why blowing your budget in your 20s doesn’t mean you’re off track. She flips the script on those financial regrets and shows you how to make the most of where you are now. It’s time to own your past, love your present, and build a future that’s all yours.

687: When Helping a Friend Means Breaking a Secret - 13/9/2024

Do you help a friend in financial trouble or keep their secret? It’s the ultimate friendship dilemma, and today, we’re diving into it headfirst! We’re also sharing your best money wins, your broke tips, and tackling a juicy situation about feeling more like your partner’s financial manager than their teammate. So tune in for all the Friday fun!

686: Cutting car costs - 11/9/2024

How much are you spending on car costs each week? If you’re like the average Australian household, it’s nearly $500. Crazy, right? Well we couldn’t believe it either, so we’ve pulled together some killer tips to help you save on your transport costs. Join us as we break down easy, practical steps to lighten that load on your wallet.

685: Reclaiming Control After Financial Abuse - 9/9/2024

Trigger warning: This episode contains references to financial and domestic abuse.

In this episode, we hear from a Money Diarist who bravely shares her journey of escaping financial abuse and reclaiming her life. From a young age, her finances were controlled by her parents, leading to shame, secrecy, and a mountain of debt that impacted her own family. Hiding the truth from her partner, friends, and colleagues, she felt trapped and powerless as her financial situation spiralled. A year ago, she made the courageous decision to take back control. Tune in to hear her inspiring story of resilience, recovery, and the path to financial freedom.

684: The Fast Fashion Effect - 7/9/2024

Fast fashion is all about quick trends and affordable finds, and let’s be real—it’s hard to resist! But today, we’re taking a closer look at what happens behind the scenes of these quick-turnaround styles. We explore how ultra-fast fashion is shaking up the industry and what that means for us as shoppers and the planet. And don’t worry—we also share tips on how to enjoy fashion in a way that feels good for both your style and your values.

683: What Would You Do With $60k? - 6/9/2024

What would you do if you suddenly had $60k in your hands? It’s fun to dream about, right? Well, for this week’s Money Dilemma, it’s not just a hypothetical—it’s real life! And things get spicy when the conversation turns to what truly counts as a favour in friendships. Plus, we’re bringing all the Friday Drinks goodness you love—celebrating your money wins, sharing your top broke tips, and of course, having a lot of laughs along the way. Pour yourself a cocktail and join us for the fun.

682: Your Most Asked Investing Questions Answered - 4/9/2024

Feeling overwhelmed by the world of investing? You’re not alone, and we’re here to help! In today’s episode, we’re tackling your most asked investing questions, with nothing off limits. And of course, we’ve got the one and only Victoria Devine, who’s ready to break it all down in her signature no-nonsense, easy-to-understand style. Whether you’re just dipping your toes in or fine-tuning your strategy, this episode is packed with the answers you need to take your investing game to the next level.

681: Taking Control Of Your Finances In Your 30s - 2/9/2024

Today’s Money Diarist has been through a lot in her 36 years—from battling ADHD and confronting the financial burdens handed down by her parents, to stepping up as the sole breadwinner when her husband’s health declined. She’s here to share her journey and the valuable lessons she’s learned, with a focus on teaching kids about money and the importance of smart financial planning, even on a middle-income. Make sure you don't miss this one.

680: Are Micro-Trends Making You Broke? - 31/8/2024

Feeling the pressure to keep up with the latest fashion trends? You’re not alone. In this eye-opening episode, we take a closer look at the impact of micro-trends on your finances and how it’s more than just a style choice. This is one episode you—and your wallet—can’t afford to miss.

679: The Simple Way To Secure Your Perfect Home Loan - 30/8/2024

Kick off your weekend the right way with our usual Friday Drinks fun! We’re celebrating your money wins, sharing some savvy broke tips, and diving into a juicy money dilemma about navigating wedding traditions that don’t feel like you. Plus, V spills the tea on the easiest way to find the best home loan that fits your life. Tune in for laughs, real talk, and the financial advice you need.

678: 3 Ways to Grow your business like a pro - 28/8/2024

Feeling overwhelmed, juggling a million things, and wondering if it’s time to ask for help? Or maybe you’re spotting some exciting opportunities but can’t decide if they’re worth the leap?

In this episode of The Business Bible, we’re tackling one of the biggest questions every entrepreneur faces—when is it time to scale? Whether you’re running a full-fledged business, hustling on the side, or just curious about what it takes to grow something from the ground up, this conversation is for you.

677: Conquering Buy Now, Pay Later Debt - 26/8/2024

Today's Money Diarist was drowning in Afterpay and Zip Money debt. When she found herself in a bedroom full of clothes with the tags still on that were already out of fashion, she knew things had to change. Now she's buy now pay later debt-free, and sharing her journey to inspire others to break free from the cycle of debt and be more intentional with their purchases.

And as promised, here’s your exclusive code to kickstart your journey to financial freedom! Our Money Masterclass is packed with everything you need to master budgeting, cash flow, and take control of your finances....

676: How Influencers Turn Social Media into Cash - 24/8/2024

Curious about how your favourite influencers turn likes into cash? Tune in as Victoria breaks down the secrets behind the success of today’s top influencers. Learn how they leverage brand partnerships, affiliate marketing, and even direct payments from platforms to build a thriving business. But it’s not all glitz and glamour—find out what it really takes to stay ahead in this fast-paced, ever-changing industry.

675: Have You Checked Your Credit Score Lately? - 23/8/2024

Have you checked your credit score lately? If not, it’s time to take a closer look! On today's ep we chat about why your credit score should be a priority on your financial to-do list to keep financial health in check. And of course, we've got some practical tips on how to boost it. But it’s not all serious business—we’ve got the usual Friday Drinks fun, from celebrating your wins to sharing clever broke tips. And don’t miss our spicy money dilemma: How much is too much to spend on work gifts?

674: Investing Q and A with Glen James: Your Questions Answered - 21/8/2024

Today, we’ve got something special for you—Glen James, author of The Quick-Start Guide to Investing, is here to tackle your most burning investment questions. From picking the right platform to investing for your kids and knowing when it’s time to level up from micro-investing. If you’re looking to up your investing game, this episode is for you!

673: Hustle, Hard Work, and Healthy Financial Growth - 19/8/2024

Growing up in a single-parent household, this Money Diarist learned the value of hard work and resourcefulness early on. From selling loom bands as a kid to launching a beauty salon with her mum at 17, she's always had a hustler’s spirit. Her story is one of grit, determination, and proof that you can achieve anything if you put your mind to it. Don’t miss this inspiring episode that will motivate you to chase your own dreams.

672: The Real Cost of Being an Influencer - 19/8/2024

Today we’re stepping into the world of influencer culture. V is breaking down the delicate balance influencers have to strike between keeping it real and making bank. Finding that sweet spot isn’t easy, especially when they’re juggling audience expectations and trying not to get cancelled. This one’s going to be juicy!

671: Balancing Fun Money and Financial Goals - 16/8/2024

The team is back for Friday Drinks as they celebrate your money wins, reveal your real-life confessions, and share some savvy broke tips! This week's Money Dilemma is about the challenges of managing your money when you're single. Plus, they share their hot takes on what to do when you think your partner has an online shopping addiction.

670: Stop Overthinking AND Start Growing Your Money! - 14/8/2024

Do you ever spend hours & hours researching the perfect shares & ETFs, but then freeze and never actually invest? Have you gone down a rabbit hole of comparing all your insurance options to get a better deal, just to get overwhelmed and stick with what you’ve got? What about when you spend so much time stressing over all the little details of your trip away that you kick yourself because the price goes up?

Join V+B as they talk through why analysis paralysis is plaguing millennials’ finances and what you can do to get your decision-making mojo back.

669: Money Diaries: Rebuilding After a Friend’s Financial Betrayal - 12/8/2024

Imagine being blindsided by a friend who left you with their debt and a partner with a secret gambling problem. That’s exactly what happened to this week's Money Diarist. But instead of giving up, she fought back, buying a home on a tight budget, and walking away with a $300k profit. Now, she’s planning her wedding and aiming to be debt-free by 33. Be inspired by this episode’s powerful story of resilience and financial recovery!

668: Red Flags and Realities of the Dallas Cowboys Cheerleaders - 10/8/2024

Today V uncovers the truth behind the iconic Dallas Cowboys Cheerleaders, and all the red flags that could turn a dream job into a dangerous trap. From shockingly low wages to relentless body image pressures, this iconic job is a cautionary tale for women everywhere. Listen in and find out why the glamour might not be worth the grind.

667: Fears of a Crashing Share Market! - 9/8/2024

Join V, Jess, and Bec as they spill the tea on your money wins, reveal your real-life confessions, and share some savvy broke tips! This week's Money Dilemma tackles fears of a crashing share market. Plus, they give their hot takes on the question... What happens when your job and ethics clash?

666: Lights! Camera! Investing Action Plan! - 7/8/2024

Ready to take control of your financial future? We got you, with our step-by-step action plan to help you confidently start investing. Perfect for newbies and those looking to fine-tune their approach, tune in to learn practical tips and gain the confidence you need to start growing your wealth. Let’s get your money working for you!

665: MONEY DIARIES: Choosing to be childless and breaking stereotypes. - 5/8/2024

Growing up with a strong, independent mother as the breadwinner, today's diarist was inspired to embody the same strength and independence. Despite navigating poor financial decisions in her early 20s, she overcame lifestyle creep to gain control of her finances. Choosing to remain childless in a society full of opinions, she broke stereotypes in a male-dominated industry and now earns six figures without a degree. Now she aims to own a million-dollar business and retire in her 50s, and hopes to motivate others who strive to be independent, childless bosses!

664: The Last Victim with Tracy Hall - 3/8/2024

In this bonus episode, Victoria sits down with special guest Tracy Hall, who shares her gripping story of finding love, facing deception, and rebuilding her life. After separating from her husband, Tracy joined a dating app and met Max Tavita—a man who seemed perfect. But what started as a hopeful new beginning quickly turned into a nightmare when Tracy discovered 'Max' was actually Hamish McLaren, a notorious conman who swindled her out of $317,000. Join us as Tracy recounts her journey of resilience, offering invaluable lessons on trust and the importance of financial awareness.

663: Budgeting When Life Is Complicated - 2/8/2024

Join V, Jess, and Bec as they spill the tea on your money wins, reveal your real-life confessions, and share some savvy broke tips! This week's Money Dilemma tackles the chaos of budgeting for a complicated lifestyle. Plus, we dive into your D.M. that asks the hot question... do you deserve a cut of the credit card perks when the points are from sharedspending?

662: How to Find and Reach More Customers for Your Business - 31/7/2024

Join Victoria and Jess today to discuss the 7 things you should do to expand your customer base, plus how can the 5-5-5 rule grow your network? Tune in to find out!

661: MONEY DIARIES: Creating Positive Money Habits One Day at a Time! - 29/7/2024

Growing up comfortable with money, today's diarist developed negative money habits becoming an impulsive and emotional shopper. But now pregnant, she's working on these habits, building her money goals and paying off debt! She and her partner are working on their budget with to be aware and be on the same page in time for bubs arrival. An important episode for those in this situation, those planning on expanding their family or just want to create positive money habits with themselves and partner!

660: What Would You Spend An Inheritance On? - 26/7/2024

Join V and Jess this week to celebrate your money wins, share your confessions and some broke tips! This week's Money Dilemma is about HECS repayments and inheritance. And, we dive into your D.M this week all about sharing costs to visit your family when you've moved overseas for your partner. Who should cough up the cash?

659: Future-proofing You! - 24/7/2024

Its so easy to get caught up in the day to day, and before you know it a year has passed and you’ve forgotten to check in with your goals. That’s why today we talk about investing in your future self. We give you a list of things to focus on which will take the anxiety out of getting proactive about financial planning, personal development, and long-term goal setting.

658: MONEY DIARIES: The 100 Hour Work Week! - 22/7/2024

Today's Money Diarist is 28 and working over 100 hours per week in a niche safety roles in the mines. As the first of 7 in her family to graduate with a degree, she's as hard on herself as she is a hard worker! Looking to make her hours more sustainable long term, her passion for the change she's making everyday in the workplace is what fuels her. We can't wait for you to meet her.

657: Identifying The Signs of Financial Abuse - 20/7/2024

Today we're thrilled to be joined by Caroline Wall, who has dedicated her life's work to identifying and ending financial abuse. Caroline chats with Victoria about the misconceptions around, and signs of financial abuse, the role of technology in both enabling and ending financial abuse, and how you can seek help for yourself or someone you care about.

656: Would You Accept Cash With a Catch? - 19/7/2024

The team is back together this Friday and celebrate your money wins and confessions and share some broke tips. Plus today's Money Dilemma is whether removing purchase conditions when bidding for your property will give you a better shot at home ownership. And, have you ever accepted money from someone with conditions? Well tune in for a JUICY D.M on today's show.

655: Renovating on a Budget - 17/7/2024

Today we give you tips and tricks on setting a budget, ways to save on materials and what sort of surprise costs can spring up to hurt your hip pocket. Plus how project managing your renovation in stages can really save costs, and so much more!

654: MONEY DIARIES: Work, Live, Play - 5 Hours Away (from a Supermarket)! - 15/7/2024

Save with marley spoon - https://bit.ly/4cWAWD2 or use the code MONEYWIN

Having ditched her High School graduation to start work, our Money Diarist has had a job since 11 years old and always had a strong work ethic. At 20 years old, she is currently working in a remote location, where she lives, works and plays all at the same location - 5 hours away from a Supermarket! With accommodation and bills all covered as a perk of the job, not having these living expenses allows our Money Diarist to save on her salary. Could you manage this lifestyle? Listen to find out!

653: Keeping Your Small Business Cybersafe - 13/7/2024

Another day, another high profile data breach, Medibank, Canva, Optus, Latitude – but it’s not just big corporations that are targeted. Every day, individuals and small businesses are under attack, and these stories don’t make the news. As a small business owner, a cyber security attack could end your business and really hurt your customers. But it is so easy to ensure that your business and customers are safe.

Join Victoria for this bonus episode giving you some simple steps to take to keep your small business cybersafe!

652: Partner Debt, Broke Tips and the Big 30! - 12/7/2024

Join the team today as they celebrate you, and our very own Jessica Ricci's big 30- Happy Birthday Jess!

The gals chat money wins; cheap meal prep, tickets offers, getting a key furniture item on sale, tax return and more, plus a broke tip or 3. Plus it is indeed a juicy money dilemma this week asking whether you’re liable if your partner owes tax? And this week you slid into our D.Ms about contributing to shared funds when you're on mat leave and your partner is working full time. What's the fair thing to do?

651: Celebrating NAIDOC Week with Evolve Communities - 10/7/2024

Today we celebrate NAIDOC week with our friends Aunty Munya and Carla Rogers from Evolve Communities. They share their insights on the challenges faced by black businesses in Australia, how we can show up as allies, how businesses can be more inclusive and so much more. They also reflect in this year’s NAIDOC theme – Keep the fire burning! Blak, loud and proud.

650: MONEY DIARIES: The Financial 'Work In Progress' - 8/7/2024

Having started and quit uni, she found herself moving to London and working as Butler, with some WILD experiences! After heading home and back to uni, things seemed on track, after graduating she was on a $100k salary! But in 2 short years, she was on Centrelink with $0 in savings. She's now in her final year as a med student at age 30, and is in the middle of her fertility preservation treatment. Financial status: work in progress!

649: It’s Time to Get SUPER Excited! - 6/7/2024

Today we're dropping this bonus episode in to get you engaged with what is possibly one of the BIGGEST investments of your life, superannuation. But so often we don’t frame it this way. It’s pushed to the back of our mind, or feels confusing and complicated to so many of us. So join Victoria and our special guest Anne Fuchs is the EGM for Advice, Guidance and Education, at Australian Retirement Trust for the 6 simple steps you can take to get on top of your super.

648: Health At What Cost? - 5/7/2024

Never a quiet week on SOTM, and this week the gals talk Bec's eviction(!!), whether health insurance is really worth the money, and also what to do when a family member who owes you serious money ghosts you! As usual too we celebrate your money wins and talk broke tips.

647: Quarterly Market Update - 3/7/2024

It's Q1 of the new financial year, but are we starting this new year with a financial hangover, or are we refreshed and ready to go? Join Bec and Victoria as they dissect where things are at in the economy, from inflation to housing, employment and wages and oh so much more.

646: MONEY DIARIES: There's Life After Shopping Addiction- 1/7/2024

Today's diarist grew up exposed to alcohol and gambling, and subsequently went without. She developed a shopping addiction and hit rock bottom last year after she spent all her money on clothes and relocating interstate. But this lead to her finally beginning to turn her life around with the support of her partner, and now she's on the road to home ownership!

645: Is the Holiday Worth the Debt Hangover? - 28/6/2024

The team is back together this Friday and celebrate your money wins and confessions and share some broke tips. Plus today's Money Dilemma is from someone who has received a bittersweet inheritance that will help them get on the property ladder. However, they aren't sure how to manage this with their partner who isn't quite on the same page. And, have you ever booked a trip away with a bestie who then changes their plans and leaves you holding the debt? Well tune in for a JUICY D.M on today's show.

Check out Bec's list of cheap fun things to do this school holidays!

644: Your Midyear Finance Health Check - 26/6/2024

New financial year, new you! Most people create their goals and look at their forward planning in January in line with a fresh new year, but how often do you review those? EOFY is the perfect time to do a review of how you've been tracking with your financial goals, or even to start fresh. SO, on today's show we talk mindset and goals,and we also run through a list of practical things that you should be checking in on at this time of year!

643: MONEY DIARIES: Slaying After Starting Over! - 24/6/2024

This Money Diarist had to start her life over at 29 after a broken marriage. It was a blessing in disguise, teaching her to be independent and almost 10 years later, she's happily remarried, has a high paying job having switched careers, and now owns three properties. Her latest journey? After 12 unsuccessful rounds of IVF, she and her husband are on the road to adoption!

642: Roller-coasters, Redundancies and the Illusive Pay Rise! - 21/6/2024

Its a happy Friday indeed as Bec and Jess pilot the episode this week, so strap in for some laughter! The vibes are high, but they also drop some seriously good advice for this week's Money Dilemma on what to do with your resume when facing a redundancy. Plus this week's D.M is the age old tale of navigating a pay rise with a stingy boss!

641: Spending Money On Things That Bring Joy - 19/6/2024

They say money doesn’t buy happiness, but is that really true? Studies show that whether or not money can buy happiness is dependent on how our purchases align with our goals. So today we explore how money drives our emotions, how guilt impacts our purchases, and we share YOUR stories of things that have brought you happiness that you’ve dropped some cash on!

640: MONEY DIARIES: She's Got The F.I.R.E - 17/6/2024

At 28 and after ten years of travel, fun, work and a bunch of health issues today's Money Diarist decided to change careers. She was broke starting over and owned nothing! And now at 38, she's kicked off a 12 year plan to retire at 50! How exactly is she going to achieve this? Tune in to find out!

639: Two Broke Chicks Return to Talk the Click Frenzy Ick! - 14/6/2024

Double your fun this Friday as our budget besties Two Broke Chicks return! Jess and Bec are joined by queens Sal and Al who share invaluable tips on snagging a bargain, the ick of the click frenzy, the psychology of resetting and their new book Finding Your People. Plus we answer your Money Dilemma about blowing out your budget for EOFY, and get ready for some aural hugs as the gals give you a pep talk for this week's D.M about resetting your mindset after a toxic workplace.

638: Talk To An Accountant - 12/6/2024

Does tax time send you into a spin? Well don't sweat it because we've got Julian Mauro who is not only a finance guru, but also runs his own accounting firm – Mauro joining us on the show today. He runs us through some of the key things we should be looking at this year, plus after the break, he answers all the questions from the small business owners and side hustlers in our community!

637: MONEY DIARIES: A Survivor With a Fascinating Job! - 10/6/2024

Today's diarist never thought she would be unemployed or renegotiating the mortgage, she had a career that was going places, and then cancer hit - twice! After she was told 10 years ago that she wouldn’t live this long, she's still here, with two adult children, and at the end of a steep learning curve. Plus you will never guess what she does for a living noways!

636: Kate Langbroek Gives You the Pep Talk You Needed! - 7/6/2024

Get ready for takeoff as radio star, #1 podcast host, author (and just about everything else) Kate Langbroek, joins Jess as co-pilot on today's show! Discussing everything from cultural exchanges and castor oil, to capitalism and KFC, tune in as Jess stresses Kate out with all the ways she can save her money which she just won't adhere to!

Plus they give valuable insights into your questions this week on concern around losing you identity when having a baby, and also whether you choose career or wonderlust?

635: Diversification Explained - 5/6/2024

On your mark, get set, go! On today's show we explain investment portfolio diversification in 30 mins! We'll give you everything you need to know, plus share 4 tips on how to diversify your portfolio, and how to keep it that way!

634: MONEY DIARIES UNMASKED: Hannah Sands - 4/6/2024

Welcome back to another Money Diary episode, but this time with a twist. We are thrilled to share this bonus episode Money Diaries Unmasked with you this week! Today's super special guest is musician, content queen and savvy saver Hannah Sands. Join us as she shares this very public Money Diary and talks all bout her business, side hustle, family budget and how she makes it all work like a dream. Get set to be inspired!

633: MONEY DIARIES: A Life Transformed In 2 Short Years - 3/6/2024

Today's episode discusses suicide, if that's a tricky topic for you please listen to one of our other episodes.If you or anyone you know needs help, contact lifeline online or call 13 11 14

Today's Money Diarist has been through so much in just 2 short years. After she and her ex split up he ended his life. Her whole life was turned upside down, she had to stop work and was broke. But incredibly, she is now a home owner, engaged and has a baby on the way. How did she get here? Tune in to find out!

632: Brittney Saunders Turns Lemons into Lemonade - 31/5/2024

Add the yay to your Friday as Jess and Bec are joined by the force that is Brittney Saunders! The entrepreneur, podcaster and founder of FAYT The Label, shares her refreshing insights into making the most of business mistakes, the cost of hiring the wrong person for the job, her formative entrepreneurial experiences from making phone cases to spray tans in her basement and SO much more!

631: EOFY Checklist - 29/5/2024

New financial year new you! It's the perfect time to check in on your financial situation and goals and take stock of how you're tracking. So we've made a list to take all of the guess work out of EOFY for you! You don't wanna miss Victoria's top 5 things you should be looking at before we head into the new financial year.

630: MONEY DIARIES: With She's On The Money! - 27/5/2024

Join us for a special episode of Money Diaries today as Victoria reads to you from her brand new book Money Diaries With She's On The Money. Feel inspired, motivated and empowered to create the financial life you want.With page-turning stories from real people about their relationships with money, plus fun activities and quick tips to help transform your own money story, Money Diaries with She's on the Money is the enjoyable, useful finance book you need (and actually want)!

629: Family AND the Cost of Keeping It Together - 24/5/2024

Join us for a bit of a family focus on Victoria's last Friday episode before she goes off to Europe for a month. This week as the gals chat about a Money Dilemma asking if you can inherit debt from your parents? Plus this week's D.M wonders who should cover the cost when you live far from your family and are feeling the pinch of keeping up with family events? Plus the team talk your money wins and losses, broke tips and so much more!

628: How Much Does it Cost to Bring a Baby Into the World? - 22/5/2024

Join Bec Syed and financial expert and new mum Victoria Devine to discuss what it actually costs to bring a baby into the world. What does it really cost to birth in the private vs. public systems, fit out a nursery, and what are all the unexpected extras that can really add up to break the bank? Tune in to find out.

627: Bonus Episode: How HECS/HELP Debt is Changing - 21/5/2024

How is HECS/HELP debt is changing since Treasurer Jim Chalmers outlined overhauls in the 2024 Federal Budget? Listen to this bonus micro episode as Victoria explains the ins and outs of everything you need to know!

626: MONEY DIARIES: Smashing Her Goals in the Seafaring Industry - 20/5/2024

At the tender age of 21, today's Diarist has already visited 15 countries, saved $65K and has just moved interstate all thanks to her career in the seafaring industry! Next stop is saving for a house with her partner who is a Captain in training. She can't wait to share all of the opportunities her unique industry has giver her, and we can't wait to share her with you!

625: Mixing Friendship and Money - 17/5/2024

The gang is back together today and are talking "secure" investments vs superannuation for this week's Money Dilemma! Plus, what would you do if your bestie begged you to come on a trip you could't afford, insisted on loaning you money and then changed the deal afterwards? Who's at fault in this situation? The gals have feels as do you about this week's community D.M. And as ever we celebrate your money wins and talk broke tips!

624: The 2024-2025 Federal Budget Wrap - 15/5/2024

Want the TLDR of the 2024-2025 Federal Budget? She's On The Money has got you covered! Join Victoria and Bec for a breakdown of what was promised, what matters and how it will impact you! Hear Victoria's hot takes on what's been promised on assisting the cost of living crisis, education, students, health, housing, women, First Nations peoples and disability support.

623: MONEY DIARIES: Transcending Tax Bill Trauma - 13/5/2024

Today's Money Diarist is well on the way to turning around her situation after drowning in debt due to an unexpected tax bill! She and her husband traveled and treated themselves before the birth of their little boy, and then were overwhelmed by the task of sorting out their finances. Their son's special needs means this community member juggles family life and working part time as teachers aide. But with a lot of hard work she and her husband have paid off $80,000 of debt in 3 years and are very close to being debt free!

622: Bossy Bride or Ungracious Guest? - 10/5/2024

Join Victoria and Bec for your Friday (get well soon Jess) as they talk your money wins and losses, share some broke tips and answer a Money Dilemma about whether its better to have a lower interest rate or APR?

Plus, we talk wedding etiquette on today's show. This community member is close to full term of her pregnancy and has just been advised by her OB that her labour date needs to be brought forward. Her friend (the bride) is now insisting she reimburse her for her seat at the wedding reception. Is this reasonable or outrageous? The gals have feelings about this week's community DM!

621: Investing For Kids - 8/5/2024

If you're in a position to start investing for your child, why is it good to start early? Two words - compound interest! Join Victoria and Bec as they chat today about V's two favorite words, but also how to teach your kids about money, how to get them familiar with the concept of the family budget, child tax rates and so much more!

620: MONEY DIARIES: From Debt Hole to Property Portfolio! - 6/5/2024

This Money Diarist has been on quite the journey so far! After she dropped out in year 12 she proceeded to dive around $80k deep into a debt trap. She was even skipping meals due to the debt she faced! Fast forward, she's worked in everything from childcare to funeral services and is currently working in the youth justice system. She has almost $20k her Sharsies portfolio and 2 investment properties all before 30!

619: And Then There Were Four! - 3/5/2024

Join us today as the team finally reunites! Victoria is back, and baby Harvey Roy Devine makes his podcast debut with Jess and Bec. The gals catch up and share your money wins, and talk some HILARIOUS broke tips.

618: Setting Workplace Boundaries - 1/5/2024

Did you know that the average Australian is missing out on $11,055 a year, or $425 per fortnight due to unpaid overtime? So today it is high time we talk about managing workplace boundaries! What are you comfortable with? How can you define your boundaries without feeling like you’re letting your employer down? How to manage all of those little things that make you feel as though you need to always say yes to your boss? Tune in to find out!

617: MONEY DIARIES: An Insight Into Island Life - 29/4/2024

Would you pay $10 for a packet of Doritos? How about $9 for a wilted bunch of Kale? Well this is daily life for today's Money Diarist who lives on one of Australia's remote islands. Her unique career in a male dominated industry gives her a lot to say about the inflated cost of living, and also some fascinating insights into a pretty unique way of life. She's worked her way up in her industry and negotiated $40,000 pay rise in 6 months! We can't wait for you to meet this absolute powerhouse.

616: Laura Henshaw on Making Healthy Eating Accessible - 26/4/2024

The luminous Laura Henshaw joins Jess and Bec this Friday to chat money wins, broke tips and so much more! She shares wisdom on a Money Dilemma which is the entirely relatable problem of trying to balance your well being and budget. Plus this week's D.M is about navigating business with your bestie. How do you keep communication at the core to stay on the road to success?

615: How Victoria Manages Her Time in Business - 24/4/2024

As your career or business evolves, the way you spend your day now, will look very different at various points along the way. Join us as today we take a peek behind the curtain to find out how Victoria manages her time in business!

She shares insights about her journey divided into 3 distinct phases; the starting phase, the growing phase and the established phase and so much more.

614: MONEY DIARIES: From Debt Demons to Living the Dream - 22/4/2024

This inspiring Money Diarist had a terrible relationship with money, and after a huge life setback which meant time off work (and going broke), she managed to reset, turning around her whole life and money story! With a little help from SOTM, and a whole lot of hard work she's now well on the way to paying off her debts, is engaged, and her future looks so bright. We are endlessly proud of her and can't wait for you to meet her!

613: Two Doting Dads Talk Spoiled Kids, Valuing Values and More! - 19/4/2024

Strap in for a hilarious and freewheeling Friday as Jess and Bec are joined by Matty J and Ash Wicks, aka Two Doting Dads! The guys bring some interesting (cough) tips on how to save on your kids birthday party, and some fascinating front line dad experience to today's show. And as ever we share your money wins and losses, and some broke tips!

612: The Cost Of Comparison Culture - 17/4/2024

Do you ever feel like everyone else is way ahead of you when it comes to money? How often do you find yourself thinking that others just have it better off? We ALL experience these feelings in life, but when does comparison culture stop being a motivation for good, and start costing us dearly? The cost of comparison culture is high on both our mental health, and also our finances. So today we talk about why it has such a hold over us, and how we can identify it, and combat it!

611: MONEY DIARIES: The FIFO Nurse Force of Nature! - 15/4/2024

Today's Money Diarist is the definition of tenacity! She came to Australia from the Philippines on a student visa almost 13 years ago, struggling to make ends meet working odd jobs and enduring some scary experiences. Fast forward to today, she's an Australian citizen earning $180 - $200k per year as travel nurse flying all over the country. She's also managed to bring her siblings here and is working towards her 4th investment property. Wait till you meet her!

610: Two Broke Chicks on the Cost Of Living Keep Up! - 12/4/2024

Double your fun this Friday as Jess and Bec are joined by not one, but Two Broke Chicks! The dynamic pod duo, Sal and Al stop by with their two cents on some broke tips and money wins and losses. PLUS the gals share their wisdom on this week's Money Dilemma which is all about keeping your clothes budget for a big schedule of events by purchasing fast fashion. And you slid into our DMs this week to ask how to get on the same page as your besties when budgeting for a group event.

609: What to Expect When Meeting a Financial Advisor - 10/4/2024

Do you need to be a multi-millionaire to get financial advice? Absolutely not! And to tell you why, Victoria is joined by friend of the show, financial advisor and Chief Operating Officer from Everest Wealth, Daisy Magor. On today's episode they share practical tips on what financial advice actually looks like, how it's structured, what you can expect when you speak to a professional and so much more!

608: MONEY DIARIES: A Tale of Remote Work, Rental Assistance AND Hard Yakka - 8/4/2024

This Money Diarist knows the meaning of hard work. She finished school by 16, had her degree by 20, and an investment property by 22. She wants to share how negotiating rental assistance in her remote work placement, plus working incredibly hard has allowed her to buy her first home and get ahead financially so early in life.

607: Hannah Ferguson on Workplace Equality, Ethics and OnlyFans - 5/4/2024

Join Jess and Bec for another fabulous Friday as they catch up with the incredible Hannah Ferguson - the founder and CEO of Cheek Media Co!

The gals share your money wins and losses, plus a broke tip or two. AND this week a few spicy ones for your day; Firstly a Money Dilemma about being stuck in a workplace that promotes men over women. Plus you D.Md us this week about what to do when you find out your sister makes her money on OnlyFans. What's the line between your duty of care, and crossing a boundary? The gals have thoughts and feelings on this one, tune in to find out!

606: Budget Ready...Set...TRAVEL! - 3/4/2024

Have you got the travel bug but feel anxious about parting with the money? Do you balk at setting a budget? Well never fear because today we'll not only explore how to set your budget before setting sail, but also discuss the often-overlooked aspect of budgeting for your return home, plus many more tips and tricks for your trip!

605: MONEY DIARIES: Around the World and Reclaiming Her Self-worth - 1/4/2024

This Money Diarist has been on a huge emotional journey, and crossed the world to do it! After meeting her love she followed him to Australia, leaving behind her dream job, and life in Canada. 5 years in, she realised the relationship was toxic and had to end things. Fortunately she is now reclaiming her self-worth and is not just back on track, but truly thriving!

604: Emma Edwards on Saving Up or Spontaneity and More - 29/3/2024

It is a very good Friday this week with yet another elite guest, Jess and Bec are joined by the wonderful Emma Edwards of The Broke Generation! Emma shares her valuable insights on this week's Money Dilemma about getting back on track with your savings goals after ending and engagement. And this week you slid into our DMs about feeling guilt for spending in no spend month. Plus the gals share your money wins and losses and talk some top broke tips!

603: Maximising Social Media For Your Business! - 27/3/2024

Social media plays a big part in most of our lives, and even more so for the brands and businesses around us. Today on the show Jessica Ricci joins Victoria Devine to discuss how to maximise social media for your business. From optimising its ability to generate customers, to the importance of consistency and so much more!

602: MONEY DIARIES: The Student Smashing her Savings, Side Hustle and Investment Goals! - 25/3/2024

This savvy community member grew up in a single parent household with an amazing mum who always prioritised her education. Now at the tender age of 18, she's studying, has a side hustle, has already saved $20,000 and has investments! Wait till you meet this absolute young gun!

601: April Hélène-Horton on Self Love and Sustainability! - 22/3/2024

Prepare for takeoff, cause this episode is so uplifting! One of our FAVE friends of the show, the effervescent April Hélène-Horton aka The Bodzilla joins us today. April is a writer, public speaker, actor and model and joins Jess and Bec to talk climate care, body positivity, and generally spark joy for your Friday! As ever they also share your money wins and losses, talk broke tips. Plus this week's money dilemma is about the extra cost of plus size clothing, and our D.M is about traveling with a friend with a different budget

600: Navigating Redundancy - 20/3/2024

It can certainly be a shock if you find yourself being made redundant, however it is all too common and nothing to be ashamed of! Often redundancy can provide you with some flexibility and put you in the position to level up in your career. Today we talk you through the ins and outs of redundancy, how packages can work, what to discuss with your boss, navigating conversations with your next employer and so much more!

599: Widowed AND the Definition Of Resilience! - 18/3/2024

This stunning story is one to learn from. This community member was widowed at 34 after her husband died suddenly and unexpectedly. They had just built their dream home, were planning a family and overnight she was widowed, in a financial crisis, relying on Centrelink, and three weeks pregnant. With the help of good financial preparation, a solid emergency fund and much resilience, three and a half years on she's a happy solo Mumma to a beautiful three year old daughter, and earning a 6-figure salary.

598: Jasmine Garnsworthy on Investing In Your Greatest Asset, Yourself! - 15/3/2024

The creator of Female Founder World, Jasmine Garnsworthy delights us with her company on today's show, joining Jessica Ricci and Bec Syed to celebrate your money wins and share some broke tips.

Plus we unpack a money dilemma about investing in your side hustle, and you slid into our DMs to question receiving vet bills long after you've given your pet to a relative!

597: How To Create Your Investment Strategy - 13/3/2024

We’re still in the first quarter of 2024, and if this was your year to start investing and you haven’t gotten around to thinking about it yet, then that’s ok! Mindset truly is the cornerstone when it comes to creating an investment strategy, and it's often the biggest hurdle many of us face. So today we give you the 6 steps you need to take to create your investment strategy!

596: MONEY DIARIES: A Savings Wizard With Wanderlust - 11/3/2024

This Money Diarist has had a fascinating journey, from growing up in a in a very low socioeconomic, single parent home, she learned to be very independent in life and with her finances. Now at 29, she has a degree, works as a singer-songwriter and freelancer in social media, PR, journalism, marketing and has backpacked to 44+ countries, spending on average for 4 months every year overseas! There is so much more to her story and we can;t wait for you to meet her.

595: Maria Thattil on IWD, Rainbow Washing AND Peer Pressure - 8/3/2024

HAPPY INTERNATIONAL WOMEN'S DAY! We are SO excited to be sharing it with you and one of our absolute favourites, Maria Thattil. The author, speaker, former Miss Universe Australia (and so much more) joins Jess and Bec to celebrate your money wins, talk broke tips, and this week they chat about a Money Dilemma over a rainbow washing workplace. Plus, you slid into our DMs about judgement in your friendship group over your financial and relationship situation, is it cruel or cool? Don't miss this chat cause the gals have sage advice.

594: Economic Empowerment AND Gender Equality with Moana Hope - 6/3/2024

What an incredibly special episode we have for you today in celebration of International Women's Week. Victoria is joined by the incredible Moana Hope, athlete, broadcaster and absolute legend!

Get fired up as they talk about overcoming economic adversity, the power of a side hustle, the prevalence of homelessness in older women, the gender pay gap, and even a brief little intro on how to start your investment journey cause VD can't help herself! You do not want to miss this deeply moving conversation.

593: MONEY DIARIES NZ: Learning Through Loss - 4/3/2024

This gorgeous community member from New Zealand lost her mum suddenly last year. While navigating her own grief, she's had to help her dad understand and manage his household finances,while planning her wedding and a six month OS honeymoon. The loss has highlighted how important it is to communicate openly about joint accounts, bill payments and creating a will for her and her fiance. She hopes our community can learn through her loss.

592: Michelle Battersby on Side Hustles, Modelling Mat Leave and More! - 1/3/2024

Welcome to a not so average Friday. While our beloved Victoria Devine is on maternity leave, Jessica Ricci and Bec Syed will be joined each Friday by a whole heap of friends of the show!

First up is the incredible Michelle Battersby, tech start up queen, founder of Sunroom and SO much more. On the show today the gals share your money wins, talk broke tips and answer a Money Dilemma about taking a pay cut to work for a company that will get you future opportunities.

591: Back Yourself, Set Your Prices...AND Raise Them! - 28/2/2024

Ah the mysteries of pricing! But pricing your services is not just about numbers; it's about knowing the value you bring to the table. Confidence in your pricing is directly linked to confidence in your worth. If you don't believe in yourself and your value, how can you expect others to? On today's episode, Victoria and Jess discuss how to set your prices, when to increase them, and most importantly, how to back yourself in the world of business!

590: From Young AND Broke to Beauty Industry Best Life! - 26/2/2024

She was a broke,18 year old mum living on Centrelink, all until she discovered the beauty industry. Now she owns an investment property with a flexible career a full schedule nail technician and her family is thriving! Hear about her journey on today's episode.

589: Self(ish) storage? - 23/2/2024

It's not just any ordinary Friday, but the last one that Victoria will be with us for a while before she welcomes Mini into the world - CONGRATULATIONS Victoria and Steve!So help us celebrate your money wins, chat some broke tips, and we help with a Money Dilemma about what to do about bad neighbours when you own your property. Plus, have you ever looked after a friend's things while they have gone away for an extended period? How long is too long and how much stuff is a burden? You slid into our DMs this week and we had feelings!

588: Deinfluencing - 21/2/2024

We are most definitely in the age of the influencer, but have you noticed the ‘deinfluencing’ trend? Join us on the show today as we unpack what deinfluencing is, why it has skyrocketed over the past few years, if deinfluencers can be trusted and SO much more.

587: MONEY DIARIES: Breaking the Cycle to Build Stability - 19/2/2024

This Money Diarist grew up in government housing, moving 20+ times before the age of 15. But now, she owns her own home, business and has a beautiful bubba! You're sure to be inspired by her story of breaking the cycle of financial instability she grew up with to build a more stable future!

586: Swifties, Sweethearts and Sausage Dogs! - 16/2/2024

Only ONE more sleep till you know what! And if you're not a Swiftie...sorry, not sorry! Join the gals as they share your money wins and losses, broke tips and discuss a Money Dilemma about a cuuuuute little sausage dog that may or may not need pet insurance.

Plus, if you were saving for a house and had some in-laws offer free accom with a catch, what would you do? Look after future, or current you? That's exactly what our community DM this week has us pondering!

585: What is Shrinkflation? - 14/2/2024

Have you ever gone to grab your favorite packet of bikkies from the supermarket and noticed it was smaller, but more expensive than ever? Shrinkflation is when brands start selling less for more by reducing the size of their products but keeping the price the same and it is rampant right now! From Glad Wrap to Freddo Frogs, nothing is safe so today we discuss shrinkflation and other sneaky tactics that brands use to maximise profits, and minimise what you get for your dollar.

584: MONEY DIARIES: Is It a Choice Between Religion AND Your Financial Future? - 12/2/2024

Today's Money Diarist says that her difficult relationship with money is rooted in her strict religious upbringing and beliefs. Growing up in the Philippines her family didn’t discuss money, but since moving to Australia 4 years ago she's struggling to adapt to the culture and attitudes around money here. She earns a livable wage and is trying to adjust, but just can’t seem make the mental switch.

583: Profiting From Presents? - 9/2/2024

Today the vibes are high so join your favorite trio Victoria, Jess and Bec as they share you money wins and talk broke tips with a Valentines Day skew! This week's Money Dilemma is about the very sexy topic of income insurance.

PLUS, have you ever gifted a friend a spenno hand me down, only for them to then sell it for a profit? Cool, or not cool...that is the question!

582: The Top 5 Performing ETFs in 2023 - 7/2/2024

Here at She's On The Money we LOVE a list, and we know you do too. So buckle in as we count down the The Top 5 Performing ETFs in 2023!

581: MONEY DIARIES: Young Mum, Young Gun! - 5/2/2024

This absolute queen was married at 18, owned two properties by age 20, and had two babies by 21...talk about busy! She's now working full time to support her family while studying part time. We can't wait for her to explain how on earth she juggles it all at once!

580: Do You Pay For Your Parents? - 2/2/2024

Friday is with us again, so get into the spirit with the gals as we celebrate your money wins, dive into some broke tips and answer a Money Dilemma about sorting out your super at 30 years old. Plus, you slid into our DMs about a boyfriend who is regularly paying for his parent's lifestyle. Is this normal to you, or a red flag? Tune in to get the goss from the gals!

579: Personal Insurances 101 - 31/1/2024

Does the idea of personal insurance confuse you? Well we've you covered as Victoria is joined today by insurance expert Phil Thompson from Skye Wealth! In this fascinating conversation they talk income protection, life insurance, TPD and trauma insurance. Plus, the give you the ins and outs of what kinds of things are covered by the insurance through your Super fund as well as next steps to take if you're not covered!

578: MONEY DIARIES: The Ripple Effect of Trauma Healing - 29/1/2024

This long-term SOTM community member grew up in a well-off situation as a child and things drastically changed when her parents divorced. Her healing of the trauma of sexual and psychological abuse with professional help has had a positive ripple effect on my money mindset, and she has been able to reach goals she never thought possible. We can't wait for you to meet this gorgeous member of our community!

577: Gift Giving or Gaslighting? - 26/1/2024

It's Friday and you know what that means, it's time to join the gals as they celebrate you! Today we share your money wins, broke tips and we discuss a Money Dilemma about work options for a community member with a disability. Plus you slid into our D.Ms with the ever tricky situation of family gift giving. Listen in to get the low down!

576: Ways To Set Yourself Up For and Track Your Success - 24/01/2024

Setting yourself up and having tangible ways you can track and review all aspects of your business will be pivotal to your success. It is so easy to just have an idea and run but as soon as you decide to make this an actual way of making money you need to see how everything is tracking.

Which is why today we are going to give you a stack of super helpful tips and practical pieces of advice you can implement today to keep better track of your business!

575: MONEY DIARIES: She's Crushed Her Consumer Debt - 22/1/2024

This wonderful community member went from major consumer debt to owning three properties! She was inspired by Victoria to follow her passion for finance and is now well on her way to becoming a financial adviser. She's a ray of sunshine and we can't wait for you to meet her!

574: A Friend In Need, Or A Friend Deceived? - 19/1/2024

The gals bring the yay to your Friday this week celebrating your money wins, talking broke tips and they answer a Money Dilemma about whether as a first time investor you should prioritise commercial or residential property?

573: The Power Of Setting Small Money Goals - 17/1/2024

"From little things, big things grow" as the song goes. You might think that some goals are too small to even be bothered with in he first place, but at SOTM we love these the most! These are the goals that have huge transformational power. And on today's episode we talk about why and also share ways to stay on track with your goals and keep motivated!

572: MONEY DIARIES: Frome Homelessness To Homeowner - 15/1/2024

This inspiring Money Diarist grew up with a financially irresponsible and manipulative father, then became homeless from the age of 20 to 22. But she managed to flip her life around entirely and independently bought my first unit at age 25! She's now working in mental health and we cannot wait to share her wonderful story with you!

571: Main Squeeze Budget T's and C's - 12/1/2024

Join us for another fabulous way to end the week as we celebrate your money wins, dish up some broke tips and answer a Money Dilemma about how to get out of a rut without compromising future you. Plus, you slid into our DMS this week about spending on yourself from shared bank account with your partner. How much is ok to spend? How do you communicate? There were lots of thoughts so don't miss it!

570: Is There Such A Thing As A Self-Made Millionaire? - 10/1/2024

Some people want you to believe that all that lies between you and your millions is hard work and determination. Well...maybe, BUT often the thing that isn't mentioned is the privilege or family connections helping people on their way to their fortune. Today we unpack the damaging myth of the self-made millionaire and take a look at what really counts...opportunity.

569: MONEY DIARIES: They Call Her Money Bags - 8/1/2024

Have you ever procrastinated a uni assignment so much that you end up buying a block of land instead? Today's Money Diarist has! But don't let this fool you, she is all hard work and savings savvy! In fact, so much so that her family have nicknamed her "Money Bags". Tune in to hear why.

568: Know Your Worth and Then Add Tax - 5/1/2024

Happy first Friday of the year angels, we have SUCH an exciting year planned for you with She's On The Money! Join Victoria, Jess and Bec as they celebrate your money wins, talk broke tips and answer a Money Dilemma about sorting out your credit history.

Plus, what do you and your partner do when it comes to birthday presents? You slid into our DMs this week about a boyfriend who gives zilch! You'll be unsurprised to hear that the gals have LOTS of feelings about this one.

567: 5 Ways To Be A Better Investor in 2024 - 3/1/2023

The new year is the time when we take stock of what has passed us by, and is the perfect time to set achievable goals and intentions to help prepare and motivate us for the year to come. So today we are talking 5 ways to be a better investor in 2024. We also give you some things to think about to help spring clean your investment mindset!

565: MONEY DIARIES: From Broke to Baller! - 1/1/2024

Happy new year! If you need a motivating story, this incredible Money Diarist is sure to be it. She came to Australia from Brazil 5 years ago as a student. Even though she worked around the clock on cruise ships, she only had $1000 in her pocket when she arrived. While studying, she hustled hard on air tasker, sacrificing and saving. She has finally made her way up the pay brackets and is making +180k a year working in mining! We can't wait for you to meet her.

564: Bloopers AND Borrowing From Your Besties - 29/12/2023

We cannot believe it is the last Friday of the year! Join us as we celebrate your money wins, Bec shares her broke tips, and we answer a Money Dilemma about getting started with shares. Plus, we all like to help out our friends when they need it, but what would you do if your friend was relying on you for money on the regular? You slid into our DMs about this very awkward issue!

563: Kicking Your New Year Finance Goals - 27/12/2023

Are you one of the 74% of Australians making a new years resolution? This time of year we find ourselves more likely than ever to set fitness goals or focus on life changes. And while any time is a good time to reassess your financial goals, the beginning of a new year feels like a nice clean slate to set our new intentions on. That’s why today we’re taking top tips for kicking your new year finance goals!

562: MONEY DIARIES: The Money Diaries That Shook Us In 2023! - 25/12/2023

Today we bring you a very special episode for Christmas and arguably one of our favorites of the year, the Money Diaries that shook us in 2023! Join Victoria and our SOTM producer Annaliese as they share some amazing stories from this year in the ultimate celebration of our beautiful She's On The Money community.

561: Jingle Bells, High Cost Of Living Smells! - 22/12/2023

Merry Christmas angels! It's the Friday before Christmas and all through the SOTM house...we are celebrating your money wins, looking at some broke tips, and the gals answer a Money Dilemma about how to best funnel your savings. PLUS, you slid into our DMs about that family member who just wants cash when it comes to gift giving time. Is this awkward or practical? The gals have thoughts!

560: The Top 5 Best Savings Accounts Right Now! - 20/12/2023

We all love an end of year best of list, so today on the show join Victoria and Bec as they chat about the top 5 best savings accounts available right now! Victoria also shares valuable insights on the different types of savings accounts out there, how they work and everything you need to know to slay your new year savings goals!

559: MONEY DIARIES: She's A Secret Hustler! - 18/12/2023

This Money Diarist will knock your socks off! She grew up sharing a bedroom with her mum and two siblings. She even bought her first property by 18 and kept it a secret from her mother. But now at the tender age of 21 she own 3 properties, is married and has just given birth to a beautiful baby girl. Hers is a story of intensely hard work, drive and thriving.

558: The Stingy Cringe - 15/12/2023

Are you strutting towards the Christmas break or stumbling? If you're anything like us it's a mix of both! The full team are back on deck this week to deck the halls and celebrate your money wins, share some savvy broke tips, AND answer a Money Dilemma about how best to make your Superannuation work harder for you.

Plus, things got hot this week as you slid into our D.Ms about that friend who earns a good income, but is tight with money. Are they stingy, or are you being a judgmental friend? The gals have thoughts and feelings so don't miss it!

557: THE BUSINESS BIBLE: Creating Your Customer Avatar - 13/12/2023

Have you ever heard of a customer avatar, customer persona, or something similar? It’s where we create a fictional person who becomes the outline of our ideal customer. They are the exact person that you will be selling to, marketing to, and talking to in your business or side hustle. Join Victoria and Jess for this special Business Bible episode of She's On The Money because in this episode, they'll help you figure out the name, age, gender, and a whole fictional character that aligns with your business!

556: MONEY DIARIES: Loss, Lingering Grief and Legacy - 11/12/2023

Today's Money Diarist has endured huge loss. With the passing of both her nana and mum within a couple months of each other, she has come into some inheritance that allowed her to buy and apartment. She's had to restructure a lot about her life, future and finances and wants to share her complex story of grief and money.

555: Bless This Christ- Mess - 8/12/2023

It has been QUITE the week for the SOTM team! Join Bec and Jess for a hard earned Friday (get better soon Victoria!), as Jess shares your money wins, Bec brings some top notch broke tips. And this week we talk through the tricky situation of last minute wedding guest cancellations. Who should carry the cost when guests pull out one week before a destination wedding? There were feelings to be had!

554: Green Flags a Company Is a Good Investment - 6/12/2023

We know how daunting it can be to start your investment journey, and aside from your personal values, what are some of the green flags we should be looking out for that tell us a company is a good investment? From P/B and P/E ratios to IPOs and more, Victoria Devine shares her top tips for figuring out if a company might be the right place for you to invest your hard earned dosh!

553: A Journey to Safety and Security - 4/12/2023

This Money Diarist grew up with domestic abuser as a father, and lived in a refuge with her mum and brothers for 8 months. Not only was she the first in her family to ever go to university, but now she has a bachelors and a masters degree and works her dream job as a teacher! She completed her masters while having a baby and we cannot wait to share her with you!

Today's episode contains discussion of domestic abuse, if you or anyone you know needs support, here are some resources...

552: Cost Of Living Keep Up - 1/12/2023

Celebrate Friday SOTM style as the gals share your money wins, dish up some broke tips and answer a Money Dilemma about whether you can have your cake and eat it to when it comes to saving for a trip and still enjoying the finer things day to day!

Plus, if you're not feeling the cost of living creep right now, you my friend are one of the lucky few! You slid into DMs this week about managing this tough time, and also guilt around not being able to keep up charitable donations.

551: A (very) Cost Effective Christmas! - 29/11/2023

Did you know that Australians will spend a whopping $66.8 billion in the lead up to Christmas this year alone? On today's show we want to help you celebrate the season without breaking the bank! Join Victoria and Bec as they share some stats, tips and tricks for cheap, inexpensive, and sometimes free gift ideas to help you avoid going into debt this Christmas!

550: MONEY DIARIES: Turning Life Around After Parental Financial Abuse - 27/11/2023

This weeks beautiful money diarist will definitely restore your faith in humanity.

After being financially abused by her parents for the first half of her life, and clawing her way out of $23,000 in debt, she now owns a home, and is the shared carer of her 16-year-old sister. This weeks money diarist, truly has one of the biggest hearts, you'll be inspired after listening to this one.

549: Winners Are Grinners!- 24/11/2023

We didn't know at the time of recording, but She's On The Money won Best Business Podcast at the 2023 Australian Awards! Yes, that means we beat Mark Bouris!

We're also celebrating money wins, and Bec has another left of field broke tip to share. Then, the girls offer advice about approaching the conversation with your partner, about them contributing to your super while you're off on maternity leave, and whether it's even a fair question when there's a large pay disparity.

548: BONUS EPISODE: How To Start Your Own Business With Jasmine Garnsworthy - 23/11/2023

We have another bonus episode from our time in NYC! We're talking business with Jasmine Garnsworthy from Female Founder World. Jasmine is an Aussie living in New York, running her business which advocates, educates and highlights young women in entrepreneurship.

In this chat with V, Jasmine gives you tips to start your business, and grow it once it's found its feet.

547: THE BUSINESS BIBLE: Setting Up Your Small Business Books - 22/11/2023

ABNs, taxes, bank accounts, it's the very unsexy side of setting up a business, however do it right the first time, and your future self will thank you! V and Jess outline how to register business, which one is right for you, and how to make tax time easy!

546: MONEY DIARIES: 'Rich' Isn't A Dirty Word - 20/11/2023

This week's amazing money diarist, grew up believing that 'rich people' were inherently bad, this was a belief that was passed down from her parents. After building her own seven figure business, she grappled with her identity and how her parents would accept her, now that she was one of those 'rich people.' We can't wait for you to hear this one, and be inspired by her story!

545: Home Sweet (Affordable) Home - 17/11/2023

We are celebrating Friday, and yes, it's only November, but we are already getting excited for Christmas! Bec shares some broke tips, V has one of her own, and Jess has the community money wins!

We've been INUNDATED with questions about housing and this week cover a question for first home buyers. Then, one of the juiciest DM's we have ever been sent which had the girls pretty unanimous on with their answers.

544: Deal or No Deal This Black Friday - 15/11/2023

It's that time of the year, where our email inbox gets flooded with promises of 'our biggest sale EVER!' Depending on how you approach this time of year, it could save you a lot of money, or potentially send you into debt. V and Bec chat the good and bad of Black Friday, and give you a foolproof plan to ensure you don't go broke this November!

543: MONEY DIARIES: Sheep, Surrogacy, and The $200k Side Hustle - 13/11/2023

This week's amazing money diarist has overcome money anxiety he has held from his childhood after living on a farm through the drought. Now, he's building his dream life with his husband, working on the family farm, creating their own family farm, and accumulating up to $200k per year in side hustles!

This money diarist proves that no matter what your relationship was with money, you can always change it to build a better life

542: Get Rich (Quick Scheme) Or Die Tryin' - 10/11/2023

Happy Friday from V, Bec and Bin Raccoon (Jess' new nickname). We have some great money wins and broke tips to share with you, that you can implement in your own life... especially the return and earn.

Then the girls weigh in on Tik Tok financial advisors, and whether their advice about buying a property with your super, is legitimate advice.

541: How To Get People To Take You Seriously With Tori Dunlap - 8/11/2023

We are so excited to bring you a special episode from NYC! After receiving countless messages begging us to speak with Tori Dunlap from Her First 100k and the Financial Feminist, we managed to track her down!

Tori is known for her no-nonsense authentic approach to helpign women, from all walks of life, become empowered to master their money and build a life that they love. She'll teach you how to advocate yourself to get your finances on track, and once that is sorted, most of everything else will fall into place.

540: MONEY DIARIES: Managing Money With ADHD and Anxiety - 6/11/2023

This week's gorgeous money diarist grew up feeling anxious about money. After her mum was in a financial pickle, she handed down some not so great money habits. Throw in ADHD and impulsive purchases, this money diarist has been working hard to change her money story, and she will teach you a superannuation hack which may change how your retire.

539: Inexcusable Inheritance Issue - 3/11/2023

The girls are finally reunited and things get silly, before they get REALLY spicy. For the first time in weeks V, Jess, and Bec all unite, to share some amazing money wins from you, and Bec shares some (teetering on illegal) broke tips.

Then, Jess takes the reigns to help with this week's Money Dilemma, as to how best make your house deposit work for you, if you're not ready to buy just yet.

538: Girl Math Your Way To Wealth - 1/11/2023

Girl math, it's doing the rounds on social media, and sure it's seems like a bit of fun, justifying our purchases through a convoluted story, and math they wouldn't teach you at school... but is there something inherently sexist about it?

V and Bec dig in to the topic of girl math, which will ensure you never use the phrase in the same way again.

537: MONEY DIARIES: Supporting a Partner Through A Health Emergency - 30/10/2023

This week's money diarist is a ray of sunshine and a savvy saver! After her partner suddenly experienced a health episode, the two lived off their savings, draining it almost completely, and are now clawing their way back to a bigger next egg. This diarist proves that even the biggest setbacks, shouldn't hold you back.

536: The City That Never Sleeps... And Sends You Broke - 27/10/2023

Happy Friday! It's a special Friday ep today, with V and Jess joined by Brooke and Gabbie in the Big Apple! Yes, NYC was fun. Yes, V lived out some Wall Street dreams... but damn it's expensive!

The girls chat about the best micro-investing platforms, and dive into a difficult DM about splitting finances in a relationship BEFORE you have children.

535: How To Become Your Own Rich BFF With Vivian Tu - 25/10/2023

We're so excited to bring you another episode from NYC, with the incredible Vivian Tu! You may known Vivian from Your Rich BFF, as the Wall St girly, or even from being featured in the 2023 Forbes 30 Under 30!

Vivian shares her story from working at Wall Street, to Buzzfeed, to where she is now. She'll gives her tips on how to STRIIP (it's nothing dirty we promise), amd how you can become your own rich BFF!

534: MONEY DIARIES: Home is where the cash is - 23/10/2023

This week's beautiful money diarist is warm, caring and savvy! She owned a house with her husband, and after a relationship breakdown and inflated interest rates, she turned her home that was costing her, into an Airbnb cash cow! However, this hasn't come without sacrifice.

533: Debt Deception Dilemma - 20/10/2023

A very happy Friday from New Orleans! V and Jess have updates from their US travels, and even though can't be there in person she lives on with some cracker broke tips! Our money dilemma this week is when to cheat or break up with your mortgage broker in search of a better deal.

Plus, a really juicy DM which gets the girls riled up about secrets, debt, and when this is a red flag in a relationship.

532: THE BUSINESS BIBLE: Finding The Why of Your Business - 18/10/2023

With more people now than ever embarking on side hustles and venturing into business, now is the time to bring back The Business Bible! Before you get started, Victoria Devine and Jessica Ricci, are getting you to answer some of the most crucial questions when it comes to starting your business, why are you starting it? Like really starting it? Is your idea any good? Can you make money off it?

531: The Business Bible is Back! - 17/10/2023

We are so excited to be bringing back the business bible!

For all of our lovely community members who have been asking for my guidance setting up side hustles and businesses, Victoria Devine, owner of several successful businesses, and Jessica Ricci, one of the hardest working side hustlers, will help you every step of the way!

530: MONEY DIARIES: From Debt to Semi-Retirement - 16/10/2023

This week's money diarist has achieved so much in a few short years. After being close to $30,000 in debt, both her and her husband decided to do something about it. With a good plan, a better loan, and a lot of hard work, they are on their way to semi retirement next year!

529: Let's Hear it For New York! - 13/10/2023

She's on the Money are in New York! Keep your eyes and ears open for all the special US content coming your way! Trust us, you cant miss it.

Our Money Dilemma this week is about job hopping, is it a turn off to other employers? Is it safe to do in the current job market? The girls have A LOT to say on this, and if you're looking for extra info, check out this episode. Then, we're unpacking the ethical dilemma on lying on your rental application to secure a much needed roof over your head.

528:Respecting Your Friend's Savings Goals - 11/10/2023

FOMO often leads us to spending more than we anticipated, and at times, more than we have in our bank accounts. Now is the time to ask yourself, are you surrounding yourself with people who are supporting your financial goals? Are you supporting your friends with theirs? We're diving into the startling stats of money spent around the wrong friends, and what a financially toxic friendship looks like.

527: MONEY DIARIES: Turning Life Around After Addiction - 9/10/2023

This week's beautiful money diarist has transformed her life in the past five years, after severe addiction and a life with money struggles, a surprising pregnancy was what turned her life around in an instant, and since that day has turned her money story and life, into something inspiring.

526: Credit Where Credit's Due - 6/10/2023

It's a jam-packed Friday! Jess is back! V has a new book! And if you replicate some of this week's money wins and broke tips, you could be saving a small fortune! Our money dilemma this week lifts the lid on the potential scary world of the work credit card, don't freak out, V has your back!

Plus, this weeks DM is a prickly one, which has us asking how nosey should you be into someone else's finances and relationship.

525: Ownership Structures of Investments Part B - 4/10/2023

As promised, part B is here! A few weeks ago we covered off Part A, which looked at setting up your own structures to personally own shares, now we're digging deeper into the different ownership structures of shares, ETF's, and managed funds. After this two-part series, you should be informed and confident enough to dive into investing, if you haven't already.

524: BONUS EPISODE: Property with She's On The Money Book! - 3/10/2023

SURPRISE! Today V launches ANOTHER book, 'Property with She's On The Money', and we're celebrating by sharing the very first chapter from the audiobook version with you! Whether you're trying to crack the property market for the first time, hunting for your dream home, or looking for an investment property, the book is packed with information to get you to your goal!

523: MONEY DIARIES: The 24-Year-Old 6 Figure Earner - 2/10/2023

Today we're putting a spotlight on an amazing Money Diarist who has had a relentless work ethic since the day she could start working. This has led her toward cracking six figures at just 24 years of age AND buying her own home and renovating it! It doesn't stop there, today's Money Diarist has educated herself to make the most of her super and start investing in shares! This is one inspiring community member!

522: Re-Gifting... Rude or Right? - 29/9/2023

We've made it to Friday and with J-Ric still jet setting, V shares this week's Money Wins, and Bec helps you save a buck with her Broke Tips. Today's Money Dilemma is both a celebration and a contentious one, as one of our amazing community members is buying her first home (woo hoo!) but is contributing significantly more to the deposit than her partner...

521: Unpacking the Cost of an Overseas Sea Change - 27/9/2023

For many of us, we've all dreamt of packing up our lives and jet setting overseas to start a new life in a different country, but what is the reality of this fantasy? What are the true costs behind relocating overseas? What do we need to know before we go? And what happens to our debt left behind in Australia?

520: MONEY DIARIES: The Savvy Saver - 25/9/2023

Today's gorgeous community member and her partner purchased their home at 26 years old with no financial help from family or friends. Using some savvy savings, and wise investments, she is sure to encourage you on your own journey!

519: It's a V, B + A Friday! - 22/9/2023

With Jess away, Victoria and Bec are joined by SOTM producer Annaliese for this free-wheeling Friday! As usual we celebrate your money wins, Bec brings the Broke Tips, and this week's Money Dilemma is all about managing your accounts.

Plus this week you slid into our D.Ms about whether or not it's a red flag if a new partner has less savings than you. Does this mean you're not on the same page financially? There were lots of feels on this one, so don't miss it!

518: How Does Novated Leasing Work? - 20/9/2023

What is a novated lease, how does it work, what should you consider, and what are some of the pros and cons of this arrangement? Today's episode is full of tips to help you make the best decision when considering whether novated leasing is right for you!

517: Discovering Deception AND Moving On! - 18/9/2023

Today's inspirational Money Diarist has ridden quite the rollercoaster! After getting through 6 years of financial coercion in a relationship, she's managed to recover both a 65k car debt, and also a 40k personal loan. She has 2 kids with her new husband, but this relationship has recently broken down. She also left her full time salary to start her own business in Dec 2021. How does she manage it all? Listen in to find out!

516: From Babyccinos to Bill Splitting! - 15/9/2023

It's pretty hard to top V's special news in today's episode, we are SO thrilled to hear that there will be a teeny new member of the SOTM family soon - CONGRATULATIONS Victoria and Steve!! And in Friday business as usual, we share your money wins and losses, dive into some Broke Tips and answer a tricky Money Dilemma about buying property with your partner (and their parents)! Plus, the good old bill split awks...how do you deal with it? This week's D.M is an oldy but a goody.

515: Ethical Landlords, Can They Exist? - 13/9/2023

We live in a world where rental housing has been increasingly converted into an investment asset. We’ve seen much debate in ours and the broader community that people shouldn’t own an investment property till everyone has a house. So today we’re talking about ethical landlords – what does this mean, is it possible? What are our Australian values around renting and more globally what the landscape?

514: MONEY DIARIES: A Journey to Abundance - 11/9/2023

This gorgeous Money Diarist immigrated from Ukraine when she was 6 years old with nothing. At 19 she met her soon to be husband, and by 22 they were married and had bought their first home intertwined with family. They now have 2 kids and last week cut up all of their credit cards! We can't wait for you to meet this inspiring member of the SOTM community.

513: Spending Is My Love Language - 8/9/2023

It's Fri-yay! Celebrate with the team back together this week as J-Ric shares your money wins and losses, B-Sy brings the best Broke Tips, and V-Dev sheds light on how the Medicare safety net threshold works in this week's Money Dilemma.

Plus, what is your love language in a relationship? What do you do when your other half likes to spend up big, but you prefer a more budget conscious approach? Listen back to what the gals have to say.

512: Ownership Structures of Investments Part A - 6/9/2023

Before you purchase an asset it’s important to consider the most appropriate investment structure to use, because getting it right at the beginning can have significant long term benefits, and getting it wrong can be expensive to sort out! So today we explain ownership structures of investments. We look at how to choose the kind of structure for your needs, breakdown what they are, and SO much more.

511: MONEY DIARIES: The Pressure To Be Perfect - 4/9/2023

Today's Money Diarist recently a quit toxic (but well paying) tech job to run a small business with her dad. As an immigrant, she has always felt family and societal pressure to achieve and wonders if she should have stuck with the more "traditional" career path. Hers is a totally relatable story of consolidating pressure, and finding her truth!

510: The Sublet Slap In The Face - 1/9/2023

Happy Friday angels, today JRic is sick (get better soon!) but V and Bec bring all the Friday fun. As usual they share your money wins and losses, Bec brings the Broke Tips, and today's Money Dilemma is from a new mumma wondering about whether to take a leap of faith into a new work venture for better work/life balance.

Plus, today's D.M got the gals pretty riled up. Have you ever lived in a share house and discovered that your roomies were letting their mates stay in your room...without asking you? We have lots of feels on this one!

509: Job Hopping to Increase Your Income - 30/8/2023

The rise of job hopping is changing the landscape of employment, with companies needing to adapt their retention strategies to keep employees engaged. And while loyalty and engagement with your workplace is important, often the most effective way to get the salary increase you want is by changing jobs. So today we unpack this concept and look at some of the pros and cons!

508: MONEY DIARIES: Setting Boundaries and Standing On Her Own 2 Feet - 28/8/2023

Get ready to be inspired by this amazing Money Diarist! She's a 27 year old, full time agricultural student who is working in the industry, and coming to terms with being estranged from her family. Out of school she went to uni, but when trauma began to surface, she had to take a break to prioritise her mental health. Despite her incredible strength in honoring and caring for her trauma, and moving though it, she's battling with perpetually feeling like she's at square one with her finances, unable to save or invest.

507: Scamming the scammer - 25/8/2023

Today is a VERY fine Friday indeed, not only did we just get announced as finalists in this year's ACRA awards (for Best Podcast and Best Producer!!!), but just wait till you get the low down on how the girlies got their own back on the scammer who duped JRic's Instagram account!

506: under the (F)influence - 23/8/2023

With the rise of the "Finfluencer" and in this age of information overload, it is incredibly overwhelming to know who you can you trust. On this extra special episode Victoria and Jess are joined by Vince Scully from Life Sherpa and Queenie from Invest With Queenie for a fireside conversation all about the current landscape of financial (mis)information, how to avoid getting your information from the wrong source, and OH so much more!

505: MONEY DIARIES: The Financial Side of Fertility - 21/8/2023

Today's gorgeous Money Diarist is a 29 year old Law student, and full time employee in litigation. She's also a part time step mum dealing with infertility, and juggling her finances while doing it all! Having spent 10k on 3 rounds of IVF with her partner, she wants to share her experience of navigating the fertility journey, and the impact that these procedures can have on your finances and your relationships.

504: Polyamory and Equity - 18/8/2023

Happy Friday! With Bec away today V and Jess will play...and bring you all the SOTM community content we LOVE to celebrate to round off the week. Jess brings (our ever favorite segment) community money wins from the Facebook group. Plus this week, V shares a Money Dilemma which asks what to do when you discover that people doing the same job as you (who started after you) are getting paid more!

503: CHANGING YOUR FINANCIAL DECISIONS - 16/8/2023

When the Victorian Premier recently cancelled the 2026 Commonwealth Games due to it going way over budget, it raised a lot of feelings from the public! But for SOTM this raises an even more important point. Why should it ever not be ok to change your financial decisions if they are going to have a negative impact on your life? On today's show we dissect why we often stick with a bad plan, how to shift our mindset, and how to look out for future you!

502: MONEY DIARIES: The Art Of Calculated Risk-taking - 14/8/2023

What's your tolerance for risk? Well, this Money Diarist bought a $1.5m home (sight unseen) in her dream suburb with her partner, then rented it because they couldn’t yet afford to live in it. Like the rest of us, with their repayments increasing, her partner also just took a $50k pay cut. But in spite of this, they are about to move in, and she wants to share her story of calculated risk taking with the community! Oh and she's FULL of smart budgeting tips too, so don't miss this episode!

501: Finance or Fur-baby First? - 11/8/2023

Join us for our FAVOURITE day of the week as we get to celebrate you, our gorgeous community! As ever, Jess shares your money wins and losses, Bec brings some top broke tips, and Victoria gives some red hot advice for managing finances as freelancer in this week’s Money Dilemma!

And this week’s D.M gets a little emotional as we talk about the cost of affording a pet.

What would you do if you found yourself in a tough financial situation and felt you had to give up your fur-baby?

500: Constructing Your Perfect Investment Portfolio - 9/8/2023

With so many of you well on your way with your investment journey, on today's episode Victoria is running us though her top things to consider when constructing your perfect investment portfolio! Particularly the multifaceted nature of risk, and how to understand it when it comes to your portfolio.

499: MONEY DIARIES: The MUST listen to Single Mum of 2! - 7/8/2023

This Marine Scientist, Gen X, single mother of two teens is a MUST listen to! She has come from zero financial literacy and navigated divorce, and her journey of growth and education is utterly inspiring. She joins Victoria to reflect on previously living paycheck to paycheck (in spite of her high earnings) and her transformation into a budgeting QUEEN! She's also teaching her teens to invest in their own Superannuation. We know you're going to love this one!

498: Love Runs Hot...Or Cold! - 4/8/2023

Celebrate Friday SOTM style as Jess shares your money wins and losses, Bec brings some top broke tips and VD discusses a Money Dilemma about buying in bulk. Plus, do you and your partner run at a different temp? Does this cause conflict when those utility bills roll in? Well, you're not alone! The gals unpack this common couple conflict!

497: How to Recover After a Financial Mess - 2/8/2023

It's inevitable in life that we will face many stresses, and financial problems are amongst the most common causes of stress and relationship breakdowns. Yet when we are in the depths of it, there can be tremendous shame, loneliness and a sense that there is no way out. So on the show today we discuss how to recover after a financial mess. We'll take a look at resetting your mindset, and some practical tips for turning things around.

496: MONEY DIARIES: Letting Go Of Your Ego - 31/7/2023

Having growing up in a money savvy household and having studied commerce, today's Money Diarist thought she had a good grip on her finances. But when she was left with nothing in her bank account after a bad relationship ended, she had some reckoning to do. Still struggling after a year of living alone, she decided to move back in with her parents. She wants to share her story of the strength that comes after letting go of the ego, and starting again.

495: sHE WANTED VANILLA… - 28/7/2023

Happy Friday! It's a Bec-less ep today but never fear, Victoria and Jess have PLENTY for you today. As ever we share your money wins, solve a Money Dilemma about salary packaging, AND a tricky DM was dealt to us this week. If your partner gets a financially rewarding, but remote work opportunity, should you pack up your thriving small business to follow them? Tune in to get the goss!

494: Sneaky Ways Credit Card Companies Keep You In Debt - 26/7/2023

Sadly but not surprisingly it is in the interest of credit card companies to keep you in a cycle of debt. And on top of social and life pressures that push us towards spiralling consumer debt, the companies themselves have mastered the art of manipulation to trap you. So today on the show we are breaking down the sneaky ways credit card companies keep you in debt and then we’re going to tell you what you can do to break out of the cycle!

493: MONEY DIARIES: Cutting Ties and Thriving! - 24/7/2023

Today's Money Diarist is the epitome of grace, endurance and quiet personal power. She's nearly 50 and has recently separated from her husband. They were never on the same page when it came to money, which added to the stresses of owning a business together. She took care of HR and accounts working out the budget, which he would then totally overspend on. She wants to share her story of surviving a 10 year marriage, how she got out of a bad situation, and started to thrive again!

492: SINGLE IS SPENNO - 21/7/2023

Here we are at Friday again which can mean only one thing, its time to unwind with us as we celebrate you!

Jess wraps your money wins and losses, Bec shares some tips on the tighter side, AND V delivers sage advice on a Money Dilemma from a FREELANCE ACROBAT (!!) asking all about the smartest way to funnel limited savings. Plus, this week's D.M is another doozy on sharehouse equity. Should partners of housemates chip in for bills, or should the single housemate just chill?

491: COST OF LIVING-CORE - 19/7/2023

There is no doubt that cost of living is weighing heavily on all of us. No matter who you are, we're all feeling the pinch of the soaring cost of groceries, utilities and interest rates! So, on today's episode we embrace the season we're currently in, and give you tips and tricks to not only make your dollar go further but have fun along the way!

490: MONEY DIARIES: The Spending AND Saving Swing - 17/7/2023

Today's Money Diarist has already been on a huge financial journey at the tender age of 25. When she was 6, her parents suddenly separated due to a secret affair. Her spending and saving habits go through extreme swings and a misdiagnosis of anxiety/depression cost her dearly both mentally and financially. But a recent diagnosis of ADHD has helped her turn a corner, and she's just paid off $25,000 of consumer debt! She's right at the beginning of her journey to financial freedom and wants to share it with the community.

489: To Sublet, or Not To Sublet? - 14/7/2023

It's Fri-yay angels, and to get you in the mood join V, J and B to wrap the week right. Jess shares your Money Wins, Bec brings the Broke Tips and we answer a Money Dilemma about calculating your Super for retirement.

Plus, we get a SPICY community D.M about subletting in a share house. Listen in to see who's side you're on!

488: Sort Your Career Out Q+A! - 12/7/2023

On today's super charged episode Victoria Devine and Jessica Ricci are joined by our friends from My Millennial Money and the Sort Your Career Out book team, Glen James and Shelly Johnson for a community Q & A! They give you all of the top tips, and one hell of a pep talk to get you mindful and motivated about your career!

487: MONEY DIARIES: Starting All Over Again...AND Again! - 10/7/2023

Having travelled a lot in her 20s, this Money Diarist moved overseas and into a bad relationship right before covid hit! She lost her job and took out her super to get out of the situation, and had to start again, and then again! She made her way back home, and into a new career (and love). One year later, and she's just settled on her new home with her partner and wants to share her stop and start story with the community.

486: SHE WANTS PRENUP?! - 7/7/2023

It's Friday again and time to join Victoria, Jess and Bec as they celebrate your money wins and losses, Bec shares some broke tips, plus they answer a Money Dilemma about the difference between being on a casual and part time contract. Plus this week you slid into our D.Ms about prenups...otherwise known as Binding Financial Agreements in Australia. How do you have this conversation with your partner? Listen in to find out.

485: AN INVESTORS GUIDE TO TAX TIME - 5/7/2023

Welcome to the new financial year friends, and today we bring you an investor’s guide to tax time. We step though a few important points on this HUGE topic to give you some general basics, the tax implications and possible benefits of certain investments, plus so much more!

484: MONEY DIARIES: A Lesson in 4 Legged Investments! - 3/7/2023

This gorgeous and hardworking community member first listened to SOTM while working the farm on a tractor. She's a 3rd generation farmer who at 24 years old is studying to be a Veterinarian, saving to be able to afford to do her rotations and has a thing or two to teach us about diversified investments, of the 4 legged kind!

483: It's Tay-Tay Friday - 30/6/2023

What rhymes with Friday? That's right, and you can expect a pretty T-Swizzle heavy show today cause the gals got tickets! Plus in regular programming, we share your money wins and losses, Bec gives you some broke tips and we answer a Money Dilemma  about working from home expenses at tax time.

Plus, this week you slid into our D.Ms about traveling with your besties. What happens when you're on a trip of a lifetime, but you and your friends have different budgets? Is compromise the answer, or should it be ok to split up and do different things based on your budget?

482: Negotiating Workplace Benefits - 28/6/2023

Today we talking about another tricky workplace topic that can be a big source of anxiety, but in the current economic climate is more important than ever! How to negotiate workplace benefits. If you've been on the end of a hard 'no' when it comes to pay rise, there are lots of other things you can ask for. So today we’re going to talk about how to prep for a negotiation at work, how to have that conversation, some of the mandatory things you should be getting in a workplace in Australia, and some of the optional extras that people ask for!

481: MONEY DIARIES: Life Beyond Spending Guilt - 26/6/2023

This first time mum with a tiny tot works full time in the events industry plus has a side hustle as a celebrant, and we ALL know how much V loves a good wedding chat! This diarist has overcome huge spending guilt, inherited from her parents' complex relationship with money. But has changed the landscape in her own marriage and she and her husband  are totally on the same page when it comes to money.

480: The Party Clean Up Cough Up? - 23/6/2023

Join us for another fab Friday hang out where we celebrate your money wins and Bec shares her top broke tips! PLUS we answer a Money Dilemma all about reframing your skills and mindset to earn some extra cash.

Plus, if you have a party and your guests make a mess, should everyone split cleaning costs? You slid into our D.Ms about this and there were feelings!

479: NAILING A JOB INTERVIEW - 21/6/2023

Job interviews can be nerve-wracking, but with the right approach and a dash of confidence, you can absolutely nail it. We all have unique qualities that can shine in an interview setting, it’s just about getting into the mindset and doing the prep so that you truly sparkle! Today we give you a step by step guide to nailing that job interview.

478: MONEY DIARIES: Working Hard + Acknowledging Privilege! - 19/6/2023

This community member is the youngest of 5, in a family where they weren't taught about money. Then her mum and dad began to struggle financially and started to borrow money from their grown kids. At 25 her career in financing in the automotive industry saw her earning 130k a year and she purchased her first home while single. Now at 31, she's engaged and buying another house while paying for a wedding. Her fiancé’s parents support them with money towards their house, and she really wants to discuss this privilege they are blessed with.

477: MY ONLYFANS, MY BUSINESS? - 16/6/2023

With V back on deck today, all is right in the SOTM-sphere! So we celebrate Friday with your Money Wins, Bec shares some brilliant Broke Tips, plus we answer a Money Dilemma all about tricky investing terms.

Plus, we have been hearing a lot of stories lately about employer conflict with side hustles. So it's unsurprising that you slid into our DMs with a VERY spicy one. This community member is conflicted about disclosing her OnlyFans side hustle to her employer. Is the answer black and white? You'd better BELIEVE it is NOT!

476: GETTING READY FOR TAX TIME - 14/6/2023

EOFY is our favorite time of year, but it can be intimidating if you don’t feel on top of your income tax. Don't worry, we have you covered! Today we look at some changes to tax that  you should be aware of, things the ATO are cracking down on this year, plus we give you some tips to help this time of year run a little easier.

475: MONEY DIARIES: Geophysicist at the Top of Her Game - 12/6/2023

This 32 year old, mother of 2 is a geophysicist in the energy industry making $152k only working four days a week. She followed in her father’s career footsteps, but not before going though her own cycle of consumer debt. She is passionate about pay transparency and wants to shed some light on the earning potential in industries many people don’t know about!

474: The 1st Ever B+j Q+A! - 9/6/2023

Happy Friday fam! With V away (get well soon V), its time for the first ever B & J Q & A! You sent in some questions for Bec and Jess and they get to them, with a little cameo from our producer Annaliese too! Plus, we share your money wins and losses and Bec's Broke Tips!

473: QUARTERLY MARKET UPDATE - 7/6/2023

On today's episode we discuss what’s happening in the economy right now, and what this mean for all of us. From interest rates and investments, to inflation and indexation plus so much more.

472: MONEY DIARIES: Well On Her Way to 100k! - 5/6/2023

Try and catch your breath as you listen to this story! This Money Diarist is 21and is working 3 jobs with the goal of saving $100,000 in two years. She's one year in and on track but is working 70- 80 hours per week across multiple jobs. Growing up she watched her mum endure several abusive relationships and this is driving her determination to never be financially dependent on anyone. We can't wait for yo to meet her!

471: SALARY OR SANITY? - 2/6/2023

Ring in Friday just right with Victoria, Jess and Bec as they share your money wins and Bec brings her broke tips (feat shiny new theme song)! Plus we answer a Money Dilemma about how to get the ball rolling on starting to save. And this week you slid into our D.Ms to ask whether you should prioritse a good work culture over an amazing salary. There are SO many angles to this so don't miss the discussion!

470: tHE MYTH OF MAKING IT FINANCIALLY - 31/5/2023

Why are we striving to “make it” financially? Is it because we think we won’t be stressed, and that we will be happier? Is it even possible to ever "make it"?Today, we look at some of the mental traps, pressures and toxic cultural narratives that drive this myth and how we can strive for our goals and keep it real!

469: MONEY DIARIES: A Total Game Changer! - 29/5/2023

Wait till you meet this game changing member of our community! She's a 29 year old Torres Straight Islander woman with 2 kids. At 23 years old, her ex left her at 8 months pregnant to pay their mortgage. But she is now in the final year of her Doctor of Medicine, she's tutoring, plus managing a side hustle all while saving for her wedding with FIFO fiancée!

468: The SPLIT UP RENT SPLIT - 26/5/2023

Your Friday is about to get a whole lot better as the gals celebrate your money wins (and losses)! Bec brings her new segment "Broke Tips". Plus we solve a Money Dilemma about how to manage cashflow across accounts. AND you slid into our DMs this week about how to split rent in a share house when a couple breaks up. We have ALL been there!

467: IS MATH ANXIETY MAKING YOU BAD AT MONEY? - 24/5/2023

Are you scared of math? Are numbers just not your thing? Well this does not mean you're automatically bad at money! If left unaddressed, math anxiety can end up shaping decisions you make further down the track and you might bury you head in the sand when it comes to your money. On today's episode we unpack math anxiety, how it plays out and what you can do about it.

466: MONEY DIARIES: A Humble + Huge Heart - 22/5/2023

Wait till you meet this incredibly strong and humble member of our community! She and her brothers were raised by their single mum who experienced bankruptcy after leaving a violent relationship with their dad who was also a gambling addict. Having dealt with her own mental health and health struggles, she is now a rock for others and working in child protection after 9 years at uni, finally earning a full-time salary!

This week's episode discusses eating disorders, domestic violence and mental health issues, if these are difficult topics for you please check in with one of our many other episodes.

465: EGG FREEZING ECONOMICS - 19/5/2023

It's Friday again fam, so we celebrate your money wins, answer a Money Dilemma about the best way to pay for getting your eggs frozen, AND should a couple split wedding costs equally? Well you slid into our D.Ms this week about this very topic and there are MANY feeling about this one!

464: The Cost Of Cancer - 17/5/2023

Today’s episode is the 3rd in a series of conversations we’re having that look at the true costs of healthcare in Australia. Cancer is high on the list of most common diseases that Australians face, so today we breakdown the prevalence, average lifetime cost of different types of Cancer, cost to carers and so much more.

463: MONEY DIARIES: The Art of Turning Your Mindset Around - 15/5/2023

3 Years ago she had no savings and refused to talk about money. She was also studying a health degree that she had zero passion for. Fast forward and she has followed her dreams of becoming a full time artist (and has staff), she's debt free, has tax savings, and has completely turned her money mindset around. How did she do this? Listen in to find out!

462: Pay-rise Schmay-rise! - 12/5/2023

Happy Friday! Help celebrate our favorite day of the week as we share your money wins and losses, answer a Money Dilemma about declaring your salary expectations in a job application, AND you slid into our DMs this week about pay rises. They're always exciting right? Well what if they don't match the success of your company, or even inflation? The girls have feelings on this one, and you did too!

461: Indexation and HECS/HELP Debt - 10/5/2023

HECS or HELP debt has long been described as “the best debt you can have” BUT is this still the case? With indexation on HECS/HELP set to increase on June 1st to 7.1%, what does this mean for people with this debt? Today we are getting the downlow on HECS/HELP debt and indexation, what debt we should prioritise paying off and so much more!

460: MONEY DIARIES: Riding the Redundancy Rollercoaster... and Ruling! - 8/5/2023

This week's Money Diarist has a fascinating story full of financial flexibility and following her heart. Having grown up in the UK, her dad got injured and couldn’t work, so mum carried two jobs to support the family. Fast forward and she has ridden a redundancy rollercoaster, gotten engaged and then married after three months, owns a house/Airbnb AND is saving for another investment property, and this is only the tip of the iceberg!

459: Mo-Money, Mo-Manchild? - 5/5/2023

Join us to celebrate Friday with as we share your money wins and losses, answer a juicy Money Dilemma all about travel insurance and credit cards. PLUS, does your other half share the same financial goals as you? If not, is that reason to call it quits? Hear what the gals, AND our community have to say about it!

458: INVESTING IN A HIGH INFLATION MARKET- 3/5/2023

There is no doubt that we are in a stressful economic situation right now, but every season brings a different opportunity! So today we are going to give you tips and tricks on how to invest in a high inflation environment. We look at why inflation currently sits where it is, the sorts of investments that are more viable in this landscape and do a bit of an investment mindset check in.

457: THE PROPERTY PLAYBOOK IS BACK! - 2/5/2023

Guess what? The Property Playbook is back today!

Buying your first home or investment property is hard but The Property Playbook is here to help. Join Millennial money expert and She's On The Money host Victoria Devine, along with aspiring homeowner Jessica Ricci for valuable insights and practical tips, so you can be fully prepared for today's housing market. You'll also hear inspirational Property Diaries from people in the She's On The Money community, helping you through every step on your journey to home ownership.

456: MONEY DIARIES: A Decade in Debt to Dream Job - 1/5/2023

Forget everything you thought you knew, cause this Money Diarist is here to remind you that you write your own script! Growing up with a single mum with 9 credit cards, debt was normalised. She left home at 16 with nothing but the clothes on her back and lived off Centrelink and then found herself in a world of credit cards and personal loans. After spending the last decade in debt, in two years of listening to SOTM, she's been able to double her income, wipe the debt, get an emergency fund and is saving for her first home and financial freedom!

455: THE EQUITY IRK - 28/4/2023

As we roll into Friday, join Victoria, Jess and Bec as we celebrate your money wins, share the losses, and we answer a tough Money Dilemma about unexpected funeral costs. Plus, should you pay less for household expenses if you're on a way lower salary that your housemates? Should equity exist in friendships? You slid into our D.Ms this week to ask just that, and boy does it get SPICY!

454: The True Cost Of Mental Healthcare - 26/4/2023

Aussies are among the most under insured people in the world, our “she’ll be right” mentality puts us at risk of being in dire straights when unexpected things happen with our health.  45.5% of the Australian population experience a mental health condition at some point in their lifetime. This means it shares the stage with cancer and heart disease the most common of medical life disrupters. Today we take a truthful look at the cost of mental health care so you’re not caught out, and shut out of the care you deserve!

453: MONEY DIARY: Unpaid Nursing Placement & Hustling Hard! - 24/4/2023

Need a little pick me up? Wait to you meet this Money Diarist! She's only 20 and between full time uni, placements, travel and a busy life, she's managed to hit $100k in savings. She's currently in an unpaid nursing placement in remote Australia, and has really made the most of her dollars, time and family backing to educate herself and work hard towards her goals whist acknowledging the privilege she came from.

452: Broke for Brunch, But Not Designer Bags? - 21/4/2023

It's Friday friends, so join us as we celebrate your money wins, answer a Money Dilemma that EVERYONE is worried about at the moment - indexation and HECS! Plus this week YOU slid into our DMs about that friend who is always too broke from brunch with the gals, but is always kitted out with new outfits or bags. Well, we have feelings on this and can't wait to share!

451: THE COST OF CONTRACEPTION - 19/4/2023

One in two women will experience an unplanned pregnancy in their lifetime. More than half of these women were using at least one form of contraception at the time. Currently, Australia has a Senate Enquiry into Reproductive Healthcare which is highlighting the problems with access and cost options for women across the country. So we thought we'd have a bigger conversation on the show about the cost and accessibility of different types of contraception, the Pharmaceutical Benefits Scheme and so much more.

450: MONEY DIARY: From Death + Debt to Dream Home - 17/4/2023

This Money Diarist has navigated the death of her ex-husband and one of his children, being the executor to his estate, all while raising a young family and continuing her career. She is now managing the family budget, moving into her ‘forever home’ with her FIFO hubby and reconciling with the past.

449: FINE FRIENDS - 14/4/2023

Celebrate Friday SOTM style with Victoria, Jess and Bec as we celebrate your money wins and answer a Money Dilemma about travel emergency funds. And this week you slid into our D.Ms with a topic that split our own team! Who should chip in if you're driving your mates and you get a parking fine? Think the answer is clear cut? THINK AGAIN!

448: THE COST OF CARE - 12/4/2023

Australians are some of the most underinsured people on the planet, there’s a reason that “she’ll be right” is a national saying! But you can never know what is around the corner with your health. Which is why today we’re talking about the cost of care with a very special guest Rhiannon Tracey who is a speaker, wellness advocate and the Founder & Executive Director at The Next Step SCI Recovery & Wellness Centre.

The out of pocket cost impact to those of us affected by ill health can be terrifying. Depending on the condition, direct costs can range from hundreds to many thousands of dollars each year. Often these are compound by other indirect costs, such as lost income, impacting the sufferers and their caregivers. So join us for a very real and very eye opening conversation!

447: MONEY DIARY: A Force To Be Reckoned With - 10/4/2023

This young Money Diarist has been through it all. Growing up, her dad got her family into debt. After her brother passed away, her father left and all of a sudden her Mum had to juggle work, study and raising a young family alone. Mum provided a model of stepping up to do whatever it takes! Due to an assault she was unable to finish year 12, and she recently left an abusive relationship that was also financially abusive. Last year was scammed out of her first car savings! But she is now debt free, in full time work and is a force to be reckoned with. You will love hearing her inspirational story!

446: ARE YOU A SMOOTHER OR A SCRUNCHER? - 7/4/2023

It's a very good Friday indeed so join the gals to celebrate your Money Wins (and losses), and answer a Money Dilemma about the best way to keep track of your records for tax time. Plus in Easter news - we ask the BIG question, are you a smoother OR a scruncher? And, this week you slid into our DMs about group gifts. How do you and your friends manage gifting? Is it even split, single gifts or no gifts at all? Are some people seeking kudos if they splash more cash? Listen in as the girls breakdown the group dynamics of gift giving.

445: INVESTING ON A LOW INCOME - 5/4/2023

Ever thought that investing is for the rich? It's a super common misconception. Well this episode is for you! Join Victoria and Bec as they discuss tips for investing on a low income; how can you get started, what kind of impact can it have on future wealth and so much more!

454: MONEY DIARY: Health Crisis, Homelessness + Now Happier Than Ever - 3/4/2023

This inspirational Money Diarist went from being financially stable, to jobless and homeless with a young family, after her husband was fired due to being deaf. They navigated $30k for medical treatment in the US for their son, and relocating to the other side of Australia. Their journey has been one of so much growth, and she's now running a thriving solo business.

453: YOU GOTTA PAY TO PLAY - 31/3/2023

It's Friday friends so join the gals as they share your money wins and losses and answer a Money Dilemma about HECS repayments. And this week, you slid into our DMs about who should pay when a friend pulls out of a group trip and it pushes the cost up for everyone else. We've ALL been there, so listen in to see what the gals have to say on this one!

452: HOW TAX WORKS - 29/3/2023

Strap yourself in, because on today's episode we talk all about tax! Why do we pay tax? What are the tax brackets and how do they work? What kind of income is taxable and so much more.

451: MONEY DIARIES: From Partying to Proud Chihuahua Mumma - 27/3/2023

This unstoppable Money Diarist has gone from living off Centrelink and being addicted to drugs and partying, to studying Psychology and earning close to 90k per year. Her life is finally changing for the better in every way. She now works in foster care, is the proud mama to a Chihuahua and wants to inspire others who are struggling.

450: THE SIDE HUSTLE BUDDY BOUNDRY - 24/5/2023

It's our favorite time of the week again cause we get to celebrate YOU! As per usual we share your money wins and losses, and answer a Money Dilemma about home loan repayment periods. PLUS, last week we talked about supporting a friend's side hustle. Well this week, you slid into our DMs about having the side hustle and setting boundaries with your buddies. Do NOT miss some very helpful tips on avoiding awkward situations with your besties.

449: The BANK OF MUM AND DAD - 22/3/2023

"The Bank Of Mum & Dad"  is a term we have been hearing about a lot more lately! But what does it mean and why is it on everyone’s lips at the moment? On today's episode we discuss BOMAD, its origins, impact on the economy and so much more.

448: MONEY DIARIES: Scammed By Her Own Fam! - 20/3/2023

This incredible Money Diarist is a doctor who got scammed $271k by her cousin who lived overseas! She has finally managed to get out of a financial hell hole with a lot of help and hard labor and it has catapulted her financial literacy like nothing else! She hopes that by sharing her experience it will help raise awareness of how these things can happen, and also break down the stigma for others who have also been scammed.

447: THE FEEDBACK SANDWICH - 17/3/2023

It sure doesn’t feel like a Friday on SOTM unless we kick back and celebrate with you! Today the gals talk their recent IWD whip round the country and we hear from some of you who made it to our Melbourne event! We also celebrate your money wins and answer a Money Dilemma about how to improve your credit score. Plus, does a friend of yours have a side hustle that you feel pressured to support? Well, you slid into our DMs about this very topic and the gals talk all about it!

446: REMOVING THE GUILT OF NOT GIVING - 15/3/2023

Very often in life you can’t make your money go far enough to do all the things that you “want” or even “should” do. Giving to charity can be one of these things that we know is super important, which is why we often carry guilt when we can't afford to.

So today we talk about the mindset of giving, managing the guilt around not being able to afford it, other ways that you can give that might not impact your budget and so much more!

445: MONEY DIARIES: Loving the Inner Child - 13/3/2023

She grew up with polar opposite immigrant parents; tiger parent vs carefree. She found herself earning minimum wage in a toxic work environment, to tripling her income in an amazing job and team. With a profitable side hustle on the go, her most important work to date has been repairing the relationship with her inner child and having the best circle of friends that love and support me unconditionally. Get ready to feel inspired!

444: FRIEND OF (FIN) FOE? - 10/3/2023

It's Friday again and celebrate with us as we share your money wins and talk the losses, answer a money dilemma  about budgeting to be paid monthly.

PLUS you sild into our DMs about friends who undermine your financial goals, has this ever happened to you?

443: ETHICAL AND SUSTAINABLE FASHION - 8/3/2023

Today we're looking at ethical and sustainable fashion vs fast fashion. We'd all prefer to be ethical and sustainable in our choices, but there is often an added cost to these items that many simply can’t budget for. Listen in as the gals break it down and talk facts, figures, privilege, priorities and so much more!

442: MONEY DIARIES: A Breath of Fresh Air - 6/3/2023

Today's Money Diarist grew up with a single dad who worked long hours and was always burdened by debt. She navigated a 30k loan at 21, and now at 28 years old, she has bought a home, a new car, is planning her wedding, and building her wealth and finances up with her fiancé. All while processing her next career steps. She's sure to inspire you!

441: LIFE ON A PENSION - 3/3/2023

Hey hey its Friday again so join us as we celebrate your money wins and answer a money dilemma about spending your savings, or taking out a loan to set up your small business. Plus, this week you slid into or DMs about the difficulty of living on a pension, listen back as the girls talk all about it.

440: BACK TO BASICS OF INVESTING - 1/3/2023

Know nothing about investing? Well this is the episode for you! Victoria takes us back to the basics explaining what a share is, the different types of shares, how you earn money from shares how compound interest works and more. Plus we unpack some common concerns around investing, and some questions we should be asking ourselves at the start of our journey to determine our next steps!

439: MONEY DIARIES: Jail, Debt + Learning to be Free - 27/2/2023

This fascinating Money Diarist grew up in a family with a lot of money, only to loose it all when her dad went to prison. Having then gotten into a huge sum of personal debt, she is now 100% financially independent, has travelled the world, payed for her dream wedding and honeymoon. You'll be inspired by her story!

438: COUGHING UP FOR CONTRACEPTION - 24/2/2023

Happy Friday! Join the gals to celebrate your money wins and answer a juicy money dilemma about setting money aside for a child. Plus, who should pay for contraception? You slid into our DMs this week asking this very question and the gals got thoughts!

437: WHY ARE WOMEN OVERWORKED AND UNDERPAID - 22/2/2023

Australia's Gender Pay Gap is currently 22.8% and is increasing and we are absolutely outraged! So today we are talk about why women are overworked and underpaid. We look at the math, the stereotypes, the quiet and overt forces in society that contribute to this situation and what we can do about it!

436: MONEY DIARIES: Hope After Homelessness - 20/2/2023

This week's Money Diarist has overcome so much! Having found herself homeless at 17 years old, she was diagnosed with Bipolar Disorder, PTSD and IBS. It was then that her life started to turn a corner for the better, after receiving NDIS support. She's now working on a budget with her Occupational Therapist, has savings, and even has an emergency fund for her cats! She's extraordinary and we can't wait for you to meet her.

435: FALLING BACK ON THE BANK OF MUM AND DAD? - 17/2/2023

It's Friday so that means it's time to kick back with Victoria, Jess and Bec and share your money wins and losses! They also answer a money dilemma about buying property, AND this week you slid into our DMs about the bank of mum and dad! Is it ok to be jealous of your friend who can fall back on their parents pocket? Or is comparison the thief of joy? How do we feel about this? Listen in to find out!

434: MORTGAGES AND THE HOMEBUYING PROCESS - 15/2/2023

In the current economic climate so many of us feel like buying a home is totally out of reach, but is it really? Well to answer this, we've brought in Zella Finance Director and award winning Finance Broker Cait Bransgrove to talk about the home buying process, mortgages and cover what you need to know coming into 2023!

433: MONEY DIARIES: From Getting Drained to Absolutely Dominating! - 13/2/2023

Wait till you hear this one! This week's gorgeous Money Diarist came to the realisation after 7 years of marriage that her husband was more like a dependent, than a partner. She had supported his study, paid for their living expenses and even their home. But with two very young girls, she was worried that she wouldn't manage to make ends meet if she left him. Well, she did and now she is dominating her finances, has savings for her daughters future and is absolutely thriving!

432: SHARE HOUSE, SHARED COSTS? - 10/2/2023

Hey hey it's Friday friends, and boy are we ready for it! Join Victoria, Jess and Bec as they unwind by celebrating ALL things community! They share your money wins and losses, and answer a money dilemma about whether you are ever too old to work towards your financial freedom.

Plus if you've ever lived in a share house, then you will know the ALL too common pain of that 'stingy' homie who always wiggles their way out of buying toilet paper. Or maybe that 'selfish' housemate who hides the olive oil in their locked room?! You slid into our DMs this week about it, so the girls talk sharing costs in a share house!

431: WHAT IS BARGAIN REGRET - 8/2/2023

Have you ever gotten carried away in a sale and bought way more than you budgeted for? Bargain regret is a very real and common experience! On today's show we take a look at the psychology of selling, and the things that push you to overlook your budget and buying intentions in the name of a bargain, and what you can do about it!

430: MONEY DIARIES: Finally On the Right Meds + the Right Track - 6/2/2023

This week's Money Diarist has endured financial abuse, losing her partner to suicide, and years of trying to manage her bipolar disorder without the right treatment. But she finally found the right meds and it has literally turned her life around! She is now able to work and study, get her financial life on track all while raising her two girls! She is incredibly special and we can't wait for you to meet her.

Themes of suicide and mental health struggles are discussed today. If these are difficult for you please tune into another episode.

429: SPLIT BILLS OR SPLITSVILLE - 3/2/2023

Join Victoria, Jess and Bec as they put more yay in your Friday and celebrate your money wins of the week and answer a money dilemma about the best way to pay yourself as a small business owner. PLUS this week, you slid into our DMs about 'that' friend who NEVER pays their way in a bill split situation. We've all experienced it, but how do you deal with with? Tune in to find out.

428: SCARCITY MINDSET AND INVESTING - 1/2/2023

Have you ever found yourself worried that if someone gets pay rise, a promotion, or even some happiness in life it means you'll miss out? If so, you may have a scarcity mindset. Join Victoria and Bec as they look at the difference between scarcity and abundance mindsets, what you can do to shift from a negative to a positive outlook, how this effects your attitude towards investing and so much more!

427: MONEY DIARIES: 6 Figures at 19, Without a Uni Degree! - 30/1/2023

This Money Diarist wants you to know that you don't need a uni degree to earn 6 figures! Money was always tricky in her family but her mum has been a model of hard work and the main bread winner, working as a nurse. At 19, she's now in her dream job and has purchased an apartment. We can't for you to meet her!

426: BABY DADDY BUDGET BETRAYAL - 27/1/2023

Friday is the day we celebrate you, our gorgeous SOTM community! Join Victoria, Jess and Bec as they share your money wins and losses, and answer a money dilemma about how to manage different income streams. PLUS this week, someone slid into our D.Ms with quite a difficult situation. She's discovered her partner and soon to be baby daddy is secretly spending money on Only Fans...against her wishes AND their budget! What would you do? The girls get real and share your thoughts on this one!

425: WHAT IS A LOT OF MONEY - 25/1/2023

What does a lot of money look like to you? Is it a lifetime of financial freedom, or not checking your bank account every time you go to buy something? Well, everyone has a different answer, and it is absolutely a reflection of your money story! Join Victoria and Bec as they demystify some unconscious, or unhelpful ideas about how much you need to start investing, and also about how much money you need to be good with money. We also asked our gorgeous SOTM community consider a lot of money is, and it is fascinating to hear what you had to say!

419: Introducing...Bec Syed! - 13/1/2023

Welcome to a fresh new Friday episode and meet our brand new cohost Bec Syed! You'll be hearing Bec on the show each Wednesday and Friday and we can't wait for you to get to know her - welcome to the team Bec!

You might also notice that our Friday episodes are a little different this year? Join the gals as they revel in your Money Wins, solve a Money Dilemma about how to evaluate the best super company for you, PLUS with so many of you sliding into our DMs each week with questions or spicy thoughts, we thought we'd share these each week on a Friday. This week we chat all about hiding savings in a relationship. Would you ever do it?

418: Setting Intentions For The New Year - 11/1/2023

The new year is abundant with both the pressure and opportunity to turn over a new leaf! So on today's show Victoria and Jess discuss setting positive intentions for the year that lies ahead. What are some solid ways to get in touch with, and also set your goals? Join us on today's episode to find out!

417: MONEY DIARIES: Bridging Worlds - 9/1/2023

This Money Diarist is a second generation immigrant who finds herself struggling to consolidate the experiences of her parents who didn't get the opportunity to finish high school, with her trajectory and aspirations. She is hardworking and ambitious, but still feels guilty for wanting more than what she grew up with. We can't wait for you to meet her!

416: FRIDAY DRINKS: High Cost Of Living! - 6/1/2023

Join Victoria and Jess as they wrap the first week of the 2023, celebrating your money wins and discussing a Money Dilemma all about the best way to label your expenses. You can send us your Money Dilemma here. Plus they chat about something weighing heavily on all of us right now- cost of living stresses!

415: Setting Up Your New Year Investment Plan - 4/1/2023

New year, new intentions! It’s the perfect time to make some investing resolutions, complete a good financial revue of the year that was and set some intentions for the year ahead. So join us today as Victoria steps us though how to get on the front foot with your financials for 2023!

414: MONEY DIARIES: Mopping Up After Identity Theft - 2/1/2023

Today's Money Diarist was only aware her identity had been stolen after the police emailed her father! She was arrested and even finger printed before her name was cleared, but it took a long time to mop up her credit history! She's a PHD student looking at maternal and child health in Papua New Guinea and sure has a story to tell.

413: FRIDAY DRINKS: Babies, Bank Loans + Bloopers! - 30/12/2022

It is the final Friday of 2022, join Victoria, Jess plus their producer Annaliese to wrap the week that was, celebrate your money wins, commiserate the losses, and answer a poignant Money Dilemma about loving your job, but not the pay!

The team also talk about discrimination against women on parental leave when it comes to bank loans. AND Annaliese has a special surprise for the gals which is NOT to be missed. HAPPY NEW YEAR and see you in 2023!

412: What's Your Investing Personality? - 28/12/2022

New year, new you...right? This time of year is perfect for self reflection and goal setting, PLUS who doesn't love a personality quiz? So, on today's show we take a look at the different kinds of investing personalities. Listen in to find out which one you are, and set your "investment self" on the right path for 2023!

What's Your Money Personality? Find out here.

411: MONEY DIARIES: The Ones That Shook Us in 2022! - 26/12/2022

We adore Mondays thanks to opportunity to share the amazing stories of our community members on Money Diaries each week. The stories, the strength and the insight we get from you is just incredible! The best part is what we learn about each other through these episodes, SO our producer Annaliese asked Victoria to share some of the dairies that shook her in 2022! Listen back and bask in these wonderful stories.

410: FRIDAY DRINKS: Glen James, Christmas & Crypto! - 23/12/2022

Happy festive Friday! 'Tis the season to spend with friends, so we bring in our buddy Glen James and he picks his favorite money wins from our Facebook group! Plus we wrap the week that was, and answer a Money Dilemma about how best to help your partner with their financial literacy. And with the fiasco that was the recent FTX Crypto bankruptcy, Victoria, Jess and Glen have MANY thoughts to share.

409: Your Top Christmas Savings Hacks! - 21/12/2022

We love Christmas, and we love our community. It also gets us incredibly excited to hear your money wins and tips, so we thought...why not combine all of our favourite things in this episode in the week of Christmas? Today we are celebrating our top 10 SOTM Community Christmas savings hacks, listen in and take notes!

408: MONEY DIARIES: A Vet With a Vision! - 19/12/2022

She's a super driven and hardworking veterinarian who, due to her often 100+ per week work load, often treats herself a little too much. Who can blame her right? But this means she finds herself barely scraping by despite her 6 figure salary. She joins Victoria to talk bad habits, big ideas and so much more!

407: FRIDAY DRINKS: So Over Unpaid Overtime! - 16/12/2022

Happy Friday! We celebrate the end of the week with a wrap of the week, share your money wins and losses and answer a Money Dilemma all about where to store large amounts of money.

PLUS the gals talk all about the social and financial cost of unpaid overtime.

406: Navigating the Social & Financial Anxiety of Christmas - 14/12/2022

You know how much Victoria and Jess love Christmas, but it is also an unbelievably stressful time for so many! In between breaking your budget, over extending yourself on the social front, and tricky family situations it can be a time that fills us with anxiety instead of joy. So on today's episode we talk practical tips for taking the pressure off in the silly season!

405: MONEY DIARIES: Struggling with Toxic Perfectionism - 12/12/2022

Today's Money Diarist knew something was really wrong when she found herself crying on the floor after she landed her dream job. She uncovered a toxic perfectionist pattern in her life and after a good old soul search, returned to uni to study international development and climate change. She then went into 20k of debt to look after her aging doggo, lost her father to cancer, and through therapy was diagnosed with OCD. It has been a huge journey for her and we can't wait for you to meet her!

404: FRIDAY DRINKS: (Pay) Secrets Be Gone! - 9/12/2022

Happy Friday! Join Victoria and Jess as they share your money wins and losses, recap the week that was and answer a Money Dilemma about the complexity of prenups. You can submit your Money Dilemma here.

Also the girls are THRILLED about the new industrial relations reforms banning pay secrecy, supporting more flexibility for employees and targeting discrimination and they talk all about it!

403: The Top 5 Performing ASX ETFs of the Financial Year! - 7/12/2022

Addendum: During 2022 Mirae Asset Global Investments and Global X ETFs acquired ETF Securities Australia, so the ETFS S&P 500 High Yield Low Volatility (ZYUS) is now the Global X S&P 500 High Yield Low Volatility ETF (ZYUS)

With so many of you on your investment journey, and the end of the year at our doorstep, today on the show we wrap the 5 best performing ASX ETFs of the last financial year!

402: MONEY DIARIES: She's a Nurse In a Jail With Big Goals! - 5/12/2022

When today's Money Diarist was 17, she packed her bags and headed interstate with one suitcase. Now at 25, she's a registered nurse in a jail and is working hard towards her 3 year goal of buying her first home with her partner. Don't miss this interesting story!

401: She's On The Money Radio Recap: 3 December - 3/12/2022

Welcome to the final She's On the Money Radio Show of the year! Join Victoria and Mitch as they talk retro toys and homewares that fetch a fortune, cheap ways to entertain the kids on the holidays, and some coin saving tips for Super Saver Saturday!

Plus this week's Money Dilemma is about pre-nups.

400: FRIDAY DRINKS: Wedding + Inflation Interplay - 2/12/2022

It's Friday so celebrate with Victoria and Jess as they recap the SOTM week and share your money wins and losses! This week's Money Dilemma is all about whether to prioritise home ownership over having more savings in the bank. Submit your Money Dilemma here.

Plus...weddings. Yep, with V fresh off the back of hers we talk about the big day and the dollars behind it!

399: What is Points Hacking‪? - 30/11/2022

Points hacking is not about having anything stolen, it's all about maximising the benefits of your points to get free things like flights, upgrades, hotels and household goods. So on today's show we introduce you to how some of these systems operate and where you can get more information!

And as we ALWAYS say on SOTM, credit cards are NOT for everyone so it is important to do your due diligence and see if these systems work for you.

398: MONEY DIARIES: Working Remote + Kicking Goals - 28/11/2022

This inspirational member of our community learned the value of money from her Grandmother who budgeted every dollar of her Centrelink pension. The father of her child left when she was 23 years old and seven and a half months pregnant, so after he was born she moved to an Aboriginal community for work. With her living expenses heavily subsidised she was able to purchase her own home at 26 years old all by herself! We can't wait for you to meet her.

397: She's On The Money Radio Recap: 26 November - 26/11/2022

Celebrate Saturday with She's On The Money Radio Show as Victoria gives you more tips to save with Super Saver Saturday, and solves your Money Dilemmas (send your Money Dilemma here).

Plus the team talk the new regulations in the buy now, play later space. We also play a game of Facebook Marketplace Trash or Treasure, and Victoria give the scoop on some hot dupes!

396: FRIDAY DRINKS: Black Fri-yay or Nay? - 25/11/2022

Welcome to Friday! And not just any Friday, but one where many will find themselves in a shopping frenzy. That's right, it's Black Friday and the gals chat the yays, and nays of the day.

Plus we recap the week, celebrate your money wins and commiserate the losses, and answer a juicy Money Dilemma all about protecting your data in a leak (which coincidentally was our Deep Dive this week too!) You can submit your Money Dilemma here.

395: How To Protect Your Financial Data - 23/11/2022

Another day, another data breach! So today's show is EXTRA important as we give you some practical actions to ensure you’re doing what you can to protect your precious data online. We’ll also talk about how to identify scams, and what to do if you think your data or identity has been stolen.

394: MONEY DIARIES: Making Change from Classroom to Boardroom! - 21/11/2022

This gorgeous member of our community has a VERY full plate! She's a dedicated Humanities and Social Sciences teacher with a commitment to invoking a passion for social justice, especially equality for women. She's also a director on a board for a non-profit NDIS service provider, all the while managing a chronic health condition (endometriosis) with the ever increasing demands of her teaching role. And we haven't even mentioned her property journey yet...wait till you meet her!

393: She's On The Money Radio Recap: 19 November - 19/11/2022

Start your Saturday with She's On The Money Radio Show! As usual. Victoria gives you more tips to save with Super Saver Saturday, and solves your Money Dilemmas (send your Money Dilemma here).

And Black Friday is coming and the team talk ALL about it! Victoria shares her tips and their pick of the sales.

392: FRIDAY DRINKS: Farewell Georgia King! - 18/11/2022

On this emotional episode of Friday Drinks we say farewell to our gal Georgia King! We'll miss you so much GK, thank you for a beautiful 3 years of your dulcet tones on SOTM, we're so genuinely excited for your next chapter!!

Plus, we recap the week, share your money wins and solve a Money Dilemma about the slippery slope into debt and how to dig yourself out of it! You can submit your Money Dilemma here.

And in interesting news, Bali have implemented a new visa which lets Australians live and work there for 6 months tax free, so the girls figure out how they could mange to work from paradise.

391: Tenant's Rights - 16/11/2022

Did you know that currently 31% of households in Australia are rented, and rent at the moment is 9.1% higher across capital cities and 10.8% in regional areas? With so many of us feeling the pinch, how many of us actually know our rights when it comes to renting? On the show today we’ll be providing an overview of the current rental situation, outline exactly what you can and can’t do as a tenant and we’ll explain what to do if you run into trouble with your landlord.

390: MONEY DIARIES: From IVF Debt to Getting Ahead! - 14/11/2022

This week's Money Diarist and her husband spent 100K on IVF, and despite that managed to purchase a house and trim down their debt. Now they have 3 beautiful kids AND an emergency fund. We can't wait for you to meet this gorgeous member of our community!

389: She's On The Money Radio Recap: 12 November - 12/11/2022

Ring in your Saturday with She's On The Money Radio Show. Victoria gives you more tips to save with Super Saver Saturday, and solves your Money Dilemmas (send your Money Dilemma here).

Plus, we ask if we're headed towards a recession AND we're joined by some special guests from Channel 9's The Block!

388: FRIDAY DRINKS: Discussing the Dollars Behind TikTok! - 11/11/2022

Happy Friday! This week we talk financial red flags in relationships, recap our amazing Money Diarist, celebrate your money wins AND solve a Money Dilemma about paying down a current mortgage for a home, versus purchasing additional investment properties. Send through your Money Dilemma here.

And in finance news the gals talk Khaby Lame the TikTok creator who makes up to 1.1 million dollars per post!! They dive into the numbers and the mind ABSOLUTELY boggles!

387: Financial Red Flags In Relationships - 9/11/2022

Do you have difficulty talking to your partner about money? Do they often borrow money and not pay it back? Has a new partner ever pressured you into opening a joint account? On this episode we talk financial red flags in relationships, what these might look like, how to have healthy boundaries and conversations around money and so much more!

386: MONEY DIARIES: Carrying the Pressure + Bridging Two Worlds - 7/11/2022

This Money Diarist is a 22 year old, first generation immigrant from Sri-Lanka and on top of studying her masters in psychology is managing full time work and three casual jobs! With her home country of Sri Lanka enduring the worst economic crisis it has ever seen, and her father still living there, she struggles with her desire for the 22-year-old care-free life of her peers and the very real need to provide for her parents.

385: She's On The Money Radio Recap - 5 November - 5/11/2022

Put more savings in your Saturday with She's On the Money Radio Show. Incase you've been living under a rock, Victoria is getting married this weekend, so the gang talk all things wedding costs! Plus speaking of expensive there has been yet ANOTHER interest rate rise, and the team have feelings. All this and more on today's show!

384: FRIDAY DRINKS: One More Sleep! - 4/11/2022

It's not just your average Friday, it's the eve of Victoria's wedding! SO you'd better believe the gals talk about the big day ahead for VD. And as usual the team wrap the week that was, share your money wins and losses, and answer a interesting Money Dilemma about talking to your employer when you're getting asked to do work outside of your responsibilities. Submit your Money Dilemma here.

Plus the girls discuss the news that billionaire founder of Patagonia, Yvon Chouinard has given away his company to a trust that will use the profits to used to combat climate change and protect undeveloped land around the globe.

383: What Is Passive Investing? - 2/11/2022

Today we are chatting all about passive investing, an extremely popular investing method due to its laid back approach and gradual returns over the long-term. But what do we need to be mindful of and how exactly does it compare to its exact opposite method of active investing? Join Georgia King and Victoria Devine to learn more about this approach, the pros and cons and how to decide what might suit your needs best.

382: MONEY DIARIES: She's Self Taught, Self Starting and Smashing It! - 31/10/2022

Happy Monday! This member of our community decided from a very young age that she didn't ever want to have to rely on a partner for her financial stability, and has been working hard to flip her family script ever since. She now owns two properties and rents one to her Grandparents who have experienced financial hardship. Her second property was bought with he equity from her first, she's started her investment journey, AND she is 100% smashing her financial literacy goals too. We can't wait for you to meet her!

381: BONUS EPISODE: The Psychology Of Saving - 30/10/2022

We thought we'd spice up your Sunday with a very special BONUS episode all about the psychology of saving with Victoria Devine and special guest Dr Lili Sussman.

Lili is a Social Scientist and the Chief Strategy Officer at Wisr. Her PhD research at Harvard University was on decision-making, behavioral economics, and psychology in foreign policy decision-making.

Don't miss this fascinating discussion about the last great taboo of financial stress, the disconnect between intention and action, the importance of self love, how to make meaningful change and SO much more!