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She's On The Money

Victoria Devine

Australia’s #1 finance podcast. Ready to take control of your money without the stress (or boring lectures)? This is the show for you. Hosted by award-winning financial expert and your ultimate money hype girl, Victoria Devine, SOTM makes personal finance relatable, empowering, and yes actually fun. Join a community of 400,000+ smashing their financial goals, from buying their first property to learning to invest, levelling up their careers, or tackling budgeting, saving and debt all without giving up their morning latte. From Deep Dives into the topics you care about, to pervy looks at real life Money Diaries or cheeky Friday Drinks money talk with the girls, Victoria and her team make finance feel like your group chat, just way better for your bank balance.

It's honest, relatable and non-judgmental talk about personal finance, investing, real estate, career and business... with a big dose of fun.

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Tuesday · 21 min· Video
The Perks of Working In Public Service: Salary Packaging
What if I told you that you could be missing out on thousands of dollars a year, simply because nobody explained a benefit you were already entitled to? And no, I'm not talking about getting a pay rise. We're talking salary packaging. And if you work in healthcare, education or the not-for-profit sector, this is one money conversation you really don't want to miss. Because while you're busy working hard, paying your bills and wondering how to make your money stretch a little further, there could be some pretty generous tax concessions sitting right under your nose. We're talking potential savings on everyday expenses like your rent, mortgage, bills and even meals out. Things you're probably already paying for anyway. So why aren't more people taking advantage of them? We're breaking down how salary packaging actually works, who's eligible, the benefits you might be overlooking and the little catches you need to know about before signing up. Plus, how to get started without needing a finance degree or spending your entire weekend deciphering ATO jargon. Because working hard for your money is one thing. Making sure you're keeping as much of it as possible? That's where things get interesting. PAY IT DOWN: Here’s a playlist dedicated to the art of paying down debt https://open.spotify.com/playlist/02sw2NObvt18jd0ayvIHn3?si=qOdbgLrBS3STvMzELWiAqg PERVE ON OTHER PEOPLE’S DEBT: Learn how much credit card debt other Aussies actually have by searching ‘debt’ on the blog: www.shesonthemoney.com/blog CONTACT THE NATIONAL DEBT HELPLINE: Visit the National Debt Helpline at ndh.org.au/financial-counselling/what-is-financial-counselling/ for free, confidential, and independent support for getting out of debt, gang. New here? Follow us on Instagram (@shesonthemoneyaus) for Q&As, bite-sized advice, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett (nartarshabamblett.com.au) The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289. See omnystudio.com/listener for privacy information.
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Sunday · 55 min
Four Brain Surgeries. A House Fire. Thank God She Had Insurance.
Imagine buying your dream blueberry farm (!!!), finally getting your life exactly where you want it, and then having absolutely everything go wrong. This week's Money Diarist thought she was just exhausted from juggling her career and their first harvest. Turns out, she needed four emergency brain surgeries. And just when she was finally getting back on her feet, a lithium battery caught fire and destroyed their garage, nearly taking their entire home with it. All within the space of a year. Thankfully, she'd done something a lot of us put off: she had insurance. We're talking about the $45,000 she received through income protection and trauma cover, the $50,000 contents payout, a garage rebuild estimated at $250,000 to $300,000, and why even having insurance doesn't necessarily mean getting the payout you think you deserve. It's a pretty extraordinary story about surviving the unexpected, protecting everything you've worked for and realising that sometimes the future you're saving so hard for isn't guaranteed. If you've been putting off reviewing your insurance, this might just be the episode that changes your mind. SORT YOUR INSURANCE: If this week's Money Diary teaches us anything, it's that you never know when life is going to throw something completely unexpected your way. And by the time you need insurance, it's often too late to get it. A huge thank you to our long-standing partner Skye Wealth for bringing this episode to life. We only ever partner with people we genuinely trust, and if you've been putting off sorting your personal insurance, consider this your sign. Find out what cover you might need and get started here. CHECK OUT THE SOTM INVESTING HUB: Full of our best investing freebies, resources, courses and podcast episodes here. INVESTING FOR BEGINNERS: All our best beginner's investing podcast episodes in one place here. Ready to binge more relatable, inspiring, and downright juicy money stories? Check out our ultimate Money Diaries playlist. Listen now Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+. And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289. See omnystudio.com/listener for privacy information.
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October 22 · 44 min
How to Budget on an Irregular Income + The $110K First Home Dilemma
Haaapppyyyy Friday friends! Imagine spending years saving $110,000 for your first home, only to realise you and your partner have completely different ideas about what that home should look like. One wants a bigger house further out, the other wants a smaller place in a suburb they actually love. And suddenly, saving the deposit feels like the easy part. This week, we're tackling the property dilemma so many first-home buyers face. Do you prioritise location, lifestyle or space? Is rentvesting the answer? And does your first home really need to be your forever home? Plus, one community member is navigating life with a new baby and a partner who's a sole trader, which means money comes in whenever clients decide to pay their invoices. Not exactly ideal when you're trying to budget. We're sharing practical ways to manage an irregular income, build a financial buffer and make your money feel a little more predictable. And because it's Friday Drinks, we're also celebrating some seriously good Money Wins, sharing your best Broke Tips and workshopping our drag queen alter egos. Because apparently that's where we're at. Grab a drink, friends. We've got a lot to discuss. Thank you to our friends at Revolut for helping bring our money wins to life! To learn more about Revolut and get your $40? – click here! INVESTING CHEAT SHEET, INCOMING: Grab a copy of our investing cheat sheet over on our website shesonthemoney.com/download-resources. WTF IS COMPOUND INTEREST? Learn all about what folks have described as the eighth world wonder by searching for ‘compound interest’ on the blog: shesonthemoney.com/blog New here? Follow us on Instagram (@shesonthemoneyaus) for Q&As, bite-sized advice, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements (queenacknowledgements.com) The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289. See omnystudio.com/listener for privacy information.
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October 20 · 23 min· Video
Having a Baby for Under $3,000? Two Aussie Mums Share Their Receipts
Could you really have a baby in Australia for less than $3,000? According to two mums in our She's on the Money community, absolutely. And they've brought the receipts to prove it! After previously unpacking the costs of having a baby through the private healthcare system, we're flipping the conversation to something that deserves a whole lot more love: Australia's public maternity system. This week, we're getting nosy with two gorgeous community members, Hannah from Melbourne and Erin from Perth, who are sharing exactly what they spent throughout their pregnancies and births. We're talking every ultrasound, appointment, pregnancy supplement, physio visit and even those sneaky hospital parking fees. But this episode isn't just about the money. Both mums had incredibly positive experiences with Australia's public healthcare system, from the continuity of care offered by midwife-led programs to the incredible support they received during pregnancy, birth and beyond. And their stories are a pretty wonderful reminder that great maternity care doesn't necessarily have to come with a hefty price tag. So whether you're planning a family, weighing up public versus private or just curious about what having a baby actually costs in Australia, we're breaking down the numbers, celebrating our incredible midwives and showing you just how valuable our public healthcare system really is. GET OUR BABY BUDGET: Budgeting for a new arrival? Grab ours. READ THE BLOG: Check out our write-up on things to consider when preparing for a baby. RETHINKING YOUR INSURANCE? Check out our playlist devoted to choosing the right insurances for you. New here? Follow us on Instagram (@shesonthemoneyaus) for Q&As, bite-sized advice, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett (nartarshabamblett.com.au) The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289 See omnystudio.com/listener for privacy information.
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October 18 · 46 min
At 38, She Could Barely Afford Her Mortgage. At 56, She's Financially Free.
At 38, she was raising a seriously unwell daughter, escaping a financially abusive relationship and using a credit card to pay a mortgage she couldn't afford. At 56? She owns her home outright, has $670,000 invested and works four days a week because she can. So how on earth did she turn things around? This week's Money Diarist shares what it really looks like to start again when everything you've worked for falls apart. From navigating financial abuse and a messy separation to rebuilding her confidence, finding love again and creating genuine financial independence, her story is proof that your life doesn't have to go according to plan to turn out pretty spectacularly. We talk about the importance of having money that's yours, why leaving is only the first step and how small financial decisions can change everything over time. Because if you've ever felt like you're falling behind or should have your life sorted by now, this one's for you. Turns out, starting again doesn't mean starting from scratch forever. SORT YOUR INSURANCE: A big thank you to our partner Skye Wealth for bringing this episode to life. If you're ready to get your insurances sorted, you can learn more about them here.We have a long standing referral partnership with Skye Wealth and only ever partner with people we trust. CHECK OUT THE SOTM INVESTING HUB: Full of our best investing freebies, resources, courses and podcast episodes here. INVESTING FOR BEGINNERS: All our best beginner's investing podcast episodes in one place here. Ready to binge more relatable, inspiring, and downright juicy money stories? Check out our ultimate Money Diaries playlist. Listen now Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+. And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289 See omnystudio.com/listener for privacy information.
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October 15 · 39 min
I Saved My Money. My Siblings Spent Theirs. Now I'm Expected to Pay?
Being the financially responsible sibling is great. Until everyone starts assuming you'll be the one footing the bill for Mum and Dad. This week, we're getting into a family money dilemma that's probably going to ruffle a few feathers. One community member has spent years building her savings, while her siblings have been spending theirs. Now their parents are getting older, and she's worried being the sensible one means she'll automatically be expected to contribute more. Is that fair? And how do you have that conversation without starting a family war? Plus, a 22-year-old business owner wants to build her property empire and is wondering whether buying a home through her business could be a clever tax move, or a very expensive mistake. We're unpacking what she needs to consider before jumping in. And because it's Friday Drinks, we're also debating whether wearing socks to bed is an actual crime, celebrating some seriously impressive Money Wins and sharing Broke Tips that might save you a few dollars. Grab a drink, friends. We've got opinions. Thank you to our friends at Revolut for helping bring our money wins to life! To learn more about Revolut and get your $40? – click here! INVESTING CHEAT SHEET, INCOMING: Grab a copy of our investing cheat sheet over on our website shesonthemoney.com/download-resources. WTF IS COMPOUND INTEREST? Learn all about what folks have described as the eighth world wonder by searching for ‘compound interest’ on the blog: shesonthemoney.com/blog New here? Follow us on Instagram (@shesonthemoneyaus) for Q&As, bite-sized advice, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements (queenacknowledgements.com) The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289. See omnystudio.com/listener for privacy information.
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October 13 · 52 min· Video
Show Me The Dividends Part 1: When Do You Actually Get the Money?
We're always telling you to invest, invest, invest. But here's a question nobody seems to be answering... when do you actually get to spend the money?! Like, are we just supposed to keep putting our hard-earned cash into ETFs forever? When do the profits hit our bank accounts? And how do people actually use their investments to pay themselves an income without going back to work? This week, Victoria and Bec are getting into the part of investing we don't talk about nearly enough: how you actually make money from your investments, and when you get to enjoy it. From the difference between dividends and capital growth to why Victoria keeps 90% of her portfolio in ETFs, we're unpacking the strategies Australians use to build wealth, the mistakes that could cost you thousands, and why your reason for investing matters just as much as what you're investing in. Plus, we're talking franking credits, the magic of compound interest, whether picking your own stocks is really worth the effort, and the tax advantages of investing in property. Because building wealth is one thing. Knowing how to actually use it? That's a whole different conversation. And there's so much to unpack that this is only Part 1. Trust us, you'll want to stick around for Part 2. GET YOUR FREE INVESTING CHEAT SHEET: It’s yours for the taking over at https://www.shesonthemoney.com/download-resources HIGH-INTEREST SAVINGS ACCOUNTS: We’ve compiled a list of some of Australia’s most competitive high=interest savings accounts over on the blog. Search ‘high-interest’ at www.shesonthemoney.com/blog TUNE IN, TURN UP THE DIVIDENDS: Stream our investing playlist over at https://open.spotify.com/playlist/7iWOxtjWXFzTMLU6mtru2I New here? Follow us on Instagram (@shesonthemoneyaus) for Q&As, bite-sized advice, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett (nartarshabamblett.com.au) The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289. See omnystudio.com/listener for privacy information.
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October 11 · 29 min
She Chose Europe Over a House Deposit. Now She's Questioning Everything.
She spent almost everything she'd saved travelling around the world, came home with just $1,000 in her bank account and has $74,000 in HECS debt. Oh, and now she wants to buy a house. At 23. You'd probably assume this week's Money Diarist has some questionable money habits. But here's where things get interesting, because she's actually doing a whole lot better than you might think. After years of diligently saving half her income, she decided that travelling, studying in Paris and enjoying her early twenties were worth spending her savings on. And while she wouldn't trade those experiences for anything, there's still that little voice wondering whether she should have put the money towards a house deposit instead. Now she's earning $75,000 as a law graduate, has rebuilt her savings, started investing in ETFs and has around $12,000 eligible through the First Home Super Saver Scheme. She's also about to move out of home for the first time, which means swapping the comfort of living with her parents for $320 a week in rent, bills and all the other little expenses that somehow add up to a small fortune. And despite being pretty financially switched on, she's giving herself a C+. We get into her early investing mistake with crypto, why she's terrified of debt, the $350 she spends on entertainment every fortnight and whether spending your savings on experiences is actually a financial mistake. Because when you're in your twenties, it can feel like everyone expects you to save for a house, invest for retirement, pay off your HECS and somehow have the time of your life. Preferably all at once. Which is... ambitious. But what if spending money on the life you want now isn't necessarily holding you back from building the future you want later? SORT YOUR INSURANCE: A big thank you to our partner Skye Wealth for bringing this episode to life. If you're ready to get your insurances sorted, you can learn more about them here.We have a long standing referral partnership with Skye Wealth and only ever partner with people we trust. CHECK OUT THE SOTM INVESTING HUB: Full of our best investing freebies, resources, courses and podcast episodes here. INVESTING FOR BEGINNERS: All our best beginner's investing podcast episodes in one place here. Ready to binge more relatable, inspiring, and downright juicy money stories? Check out our ultimate Money Diaries playlist. Listen now Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+. And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289 See omnystudio.com/listener for privacy information.
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October 8 · 36 min
Hear Me Out, I Wanna Buy A Horse... And A House
Real talk, have you been preparing your Milo wrong? Join Jess and Bec for a special edition of Friday Drinks, where they discuss our community’s best Money Wins, Broke Tips and Question of the Week. That’s right, Victoria’s away so the gang will be taking your ears on a detour from our regular programming to bring you a more laid-back episode. Featuring a DM concerning Buy Now, Pay Later habits and a community dilemma about what sounds like a very expensive hobby, this is proving to be one of our more amusing installments yet. To buy a house or a horse? That is the question. Want to learn more about Revolut and get your $40? – click here! BREAK FREE: Ditch the Buy Now, Pay Later (BNPL) cycle for good. Here’s a blog to give your debt a run for its money. Search ‘BNPL’ at shesonthemoney.com/blog/ DEBT HACKS: Need a hand? Check out our article on avoiding and abolishing debt on the blog. Search ‘abolish debt’ shesonthemoney.com/blog/ YOUR MONEY PERSONALITY: Wanna buy a horse, but aren’t sure if it’s the right decision for you? Complete our Money Personality Quiz to figure out what actually matters to you over here: shesonthemoney.com/money-personality-quiz New here? Follow us on Instagram (@shesonthemoneyaus) for Q&As, bite-sized advice, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements (queenacknowledgements.com) Thank you Revolut for sponsoring this episode. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289 See omnystudio.com/listener for privacy information.
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October 6 · 20 min· Video
How Does Parental Leave Work?
Be honest. How much do you know about parental leave? Because for many of our listeners, it’s one of those things that you don’t really pay attention to, until you need to. Welcome to a special solo episode of Deep Dive where Victoria takes us through the ins-and-outs of paid parental leave and what you might be entitled to, should you (and a partner) need it. This episode will introduce you to what the current status of Parental Leave Pay is in Australia, who’s responsible for it, and what happens if you’re employed… or self-employed. From describing how much time and money you might be eligible for, to whether your partner has any support throughout this whole process, we’ll unpack the current state of play. Whether you’re planning to have a family, or know someone navigating the process, V explains what entitlements to expect, when you’re expecting. And what to ask your employer should you need more support. DOWNLOAD OUR BABY BUDGET: Figuring out the costs of having a baby? Grab a free copy of our baby budget spreadsheet over on our resources page here: shesonthemoney.com/download-resources NEWBORN LIST: Prams, high-chairs, car seats. Check out our blog on some of the things you might be considering when budgeting for a baby. Search for ‘baby’ on the blog: shesonthemoney.com/blog IT COSTS HOW MUCH? Tune into Victoria’s Deep Dive episode about how much it cost her to have a baby through the private healthcare system over here: https://open.spotify.com/episode/2LF287iIFC143YjlgoCjg0?si=H-2PCKo1Qk2qDDtYIySV1g New here? Follow us on Instagram (@shesonthemoneyaus) for Q&As, bite-sized advice, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements (queenacknowledgements.com) The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289 See omnystudio.com/listener for privacy information.
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October 4 · 42 min
She Couldn’t Get a Credit Card as a Single Mum. It Became a Blessing in Disguise.
She became a mum straight out of Year 12. Four years later, she had her second son and was raising two boys on her own. Money was tight. Really tight. She used to keep a Word document mapping out six weeks of expenses because she needed to know exactly what was coming in and exactly what had to go out. Some weeks, once the rent was paid, there was food in the cupboard and petrol in the car, she had $20 left. So they got hot chips. They camped in the backyard. Ate breakfast on the trampoline. Had treasure hunts around the house with a bowl of lollies waiting at the end. Years later, she asked her son whether he remembered growing up feeling like they had no money. He said no. He remembered having the best childhood ever. I think that tells you quite a lot about this Money Diarist. Today, at 44, those boys are adults and she’s in a completely different season of her financial life. She runs her own building design business, which turned over $220,000 last financial year. She’s put $50,000 into shares, has hit $200,000 in super and is preparing to buy into a home with her new partner. But she’s also trying to make up for lost time without treating the present like a waiting room for retirement. Because after spending so much of her life making sure everyone else was okay, she’s now working out what it looks like to build wealth, travel, enjoy her money and create the future she wants. Turns out, you can start later and still build something pretty bloody incredible. SORT YOUR INSURANCE: A big thank you to our partner Skye Wealth for bringing this episode to life. If you're ready to get your insurances sorted, you can learn more about them here.We have a long standing referral partnership with Skye Wealth and only ever partner with people we trust. CHECK OUT THE SOTM INVESTING HUB: Full of our best investing freebies, resources, courses and podcast episodes here. INVESTING FOR BEGINNERS: All our best beginner's investing podcast episodes in one place here. Ready to binge more relatable, inspiring, and downright juicy money stories? Check out our ultimate Money Diaries playlist. Listen now Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+. And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289 See omnystudio.com/listener for privacy information.
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October 1 · 32 min
Fight, Flight or freeze? How I Overcome Anxiety Around Investing.
Lovers, we’re in a romance recession! :’[ Join Bec and Jess for a laid-back episode of Friday Drinks, featuring this week’s Money Wins and Broke Tips, plus a romantic Question of the Week (aww cute). While Victoria is away, these microphone mice will play, bringing you some casual yaps concerning community dilemmas and DMs. Starting off, they’ll be discussing a relationship-related dilemma concerning superannuation and permanent residency. Then they’ll be rounding out the ep with a very relatable experience concerning an investing practice. Raise your hand if your share portfolio has ever put you in a state of fight, flight or freeze? Tune in if you want to feel less alone and more prepared for the highs, lows and realities of investing. INVESTING CHEAT SHEET, INCOMING: Grab a copy of our investing cheat sheet over on our website shesonthemoney.com/download-resources. WTF IS COMPOUND INTEREST? Learn all about what folks have described as the eighth world wonder by searching for ‘compound interest’ on the blog: shesonthemoney.com/blog LOVE WINS: Whether you or your partner is pursuing a PR, learn all about your superannuation rights over at the ATO: https://www.ato.gov.au/individuals-and-families/coming-to-australia-or-going-overseas/coming-to-australia/returning-to-your-home-country And https://www.ato.gov.au/individuals-and-families/super-for-individuals-and-families/super/temporary-residents-and-superannuation/departing-australia-superannuation-payment-dasp#ato-HowDASPistaxed New here? Follow us on Instagram (@shesonthemoneyaus) for Q&As, bite-sized advice, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements (queenacknowledgements.com) The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289 See omnystudio.com/listener for privacy information.
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September 29 · 58 min· Video
How I Spend Smarter: Grocery Edition
Unexpected savings in the bagging area. Tune into this week’s Deep Dive episode to hear how to spend smarter during challenging economic times. Join Bec and Victoria for a juicy episode dedicated to saving money on your grocery shop. Together, they’ll be providing us with some context to explain why things are so expensive RN, and how much things used to cost a decade ago. The gang will also be sharing how our everyday costs are impacted by economic factors like wages, inflation, supply chain disruptions and CPI. Come for actionable tips for saving money at the checkout, stay to finally find out the price of eggs. FAMILY GROCERIES COST HOW MUCH? Check out our article on how much Aussie families are spending on groceries (and how to save) by searching ‘grocery’ on the blog: www.shesonthemoney.com/blog/family-grocery-costs-and-tips AN ENDLESS SOURCE OF MONEY WINS & BROKE TIPS? Say no more. Join the She’s on the Money Facebook Group to tap into the hive mind’s suggestions and thrifty tips at https://www.facebook.com/groups/ShesontheMoneyAUS JOIN SHOPBACK: Join Shopback and save on stuff you buy everyday at www.shopback.com.au New here? Follow us on Instagram (@shesonthemoneyaus) for Q&As, bite-sized advice, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements (queenacknowledgements.com) The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289 See omnystudio.com/listener for privacy information.
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September 27 · 44 min
She Did Everything ‘Right’ With Money. Now She Feels Completely Stuck.
At 19, this week’s Money Diarist bought her first home. It was a very unglamorous $135,000 unit that she lovingly describes as looking like a retirement village. But while her friends were buying cars and spending their money elsewhere, she and her then-boyfriend decided property was the priority. And it changed what came next. They travelled. Lived overseas. Came home. Bought their family home. Went through IVF. Had their beautiful son. Survived a redundancy. Spent years with her husband working away while she essentially solo parented. And through all of it, they kept doing something remarkably unsexy but incredibly effective: living below their means. No flashy cars. No keeping up with the Joneses. No consumer debt. Then, at 41, her husband looked at their offset account and realised something. They didn’t owe anything on their mortgage anymore. Now they’re 42, completely debt-free and earning around $265,000 as a household. She owns part of the marketing agency she works in, they travel regularly and they finally have serious capacity to build wealth. There’s just one tiny problem. They’re terrified of getting it wrong. They’ve spent more than two decades becoming exceptionally good savers. Now they need to work out how to become investors. And I think this is the part of being “good with money” we don’t talk about enough. Because eventually, saving can only take you so far. SORT YOUR INSURANCE: A big thank you to our partner Skye Wealth for bringing this episode to life. If you're ready to get your insurances sorted, you can learn more about them here.We have a long standing referral partnership with Skye Wealth and only ever partner with people we trust. CHECK OUT THE SOTM INVESTING HUB: Full of our best investing freebies, resources, courses and podcast episodes here. INVESTING FOR BEGINNERS: All our best beginner's investing podcast episodes in one place here. Ready to binge more relatable, inspiring, and downright juicy money stories? Check out our ultimate Money Diaries playlist. Listen now Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+. And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289 See omnystudio.com/listener for privacy information.
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September 24 · 47 min
My Wedding Plans Are A People Pleaser’s Nightmare
Riddle me this: why are people pleasers framed as the problem? Surely, we should be turning our focus back onto the boundary-pushers! This week on Friday Drinks, we’re coming in hot. Join Victoria, Jess and Bec to discuss the community’s best Money Wins, Broke Tips, and a Question of the Week that starts off bookish, but quickly gets… wild? You’ll have to hear it to believe it. The gang also covers this week’s community dilemmas concerning Capital Gains Tax (CGT) on your primary residence, and a rather juicy DM from a bride-to-be who wants to know who actually has a say in her wedding plans. Fiscal and familial drama ensues. WEDDING BUDGET: Here’s a link to V’s wedding spreadsheet to help you budget for yours, shesonthemoney.com/download-resources CHAT TO AN EXPERT: The key to making better financial decisions? Surround yourself with experts, like our team of mortgage brokers at Zella. Book at consultation at www.zella.com.au/book-consultation/ MYGOV’S CAPITAL GAINS TAX CALCULATOR: A handy tool that could be useful in your investments www.ato.gov.au/calculators-and-tools/capital-gains-tax-record-keeping-tool#ato-Gotothetool New here? Follow us on Instagram (@shesonthemoneyaus) for Q&As, bite-sized advice, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements (queenacknowledgements.com) The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289 See omnystudio.com/listener for privacy information.
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September 22 · 21 min· Video
How To Pay Off Debt On a Low Income
Credit cards. Personal loans. Buy Now, Pay Later. Australians are in debt in a big way. But, there’s always a way out. This Deep Dive is dedicated to helping you or someone you know eliminate debt and learn how to avoid it for good… and, all on a low income. Join Victoria for a special solo episode to firstly, shed the shame around borrowing money (by learning just how much everyone else has borrowed), then hear how to navigate your way out of debt using proven cashflow and budgeting tactics for low income earners. We’ll cover why people get into debt in the first place, the dark design of repayments, and end on a few examples to demonstrate how you might escape debt for good. Get ready for the bounceback, ‘cause the recovery is real and always within reach. PAY IT DOWN: Here’s a playlist dedicated to the art of paying down debt https://open.spotify.com/playlist/02sw2NObvt18jd0ayvIHn3?si=qOdbgLrBS3STvMzELWiAqg PERVE ON OTHER PEOPLE’S DEBT: Learn how much credit card debt other Aussies actually have by searching ‘debt’ on the blog: www.shesonthemoney.com/blog CONTACT THE NATIONAL DEBT HELPLINE: Visit the National Debt Helpline at ndh.org.au/financial-counselling/what-is-financial-counselling/ for free, confidential, and independent support for getting out of debt, gang. New here? Follow us on Instagram (@shesonthemoneyaus) for Q&As, bite-sized advice, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett (nartarshabamblett.com.au) The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289 See omnystudio.com/listener for privacy information.
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September 20 · 55 min
$40K Invested, a $1.7M Property at 26 and Still Scared to Spend Money
At 26, this week’s Money Diarist has nearly $40,000 invested, $46,000 in super and has just bought a six-bedroom home on 25 acres with her mum and younger brother. There are horses. There are stables. There’s a riding arena. Honestly, she’s doing pretty well. But the interesting part of this story isn’t actually how much she’s managed to build. It’s how difficult it still feels to spend any of it. She grew up in a financially comfortable family until her parents separated when she was 10. Her father’s financial abuse left her mum working three jobs to keep life as normal as possible for her children. There were nights when there wasn’t enough money for dinner, but her mum somehow managed to turn those moments into childhood memories of going to friends’ houses for tea. As she got older and realised what had actually been happening, money became safety. Birthday money was hidden away for a rainy day. Unplanned purchases could send her spiralling with anxiety. And even now, with an emergency fund, investments and money specifically saved for something she needs, spending it can still feel incredibly uncomfortable. Today she’s a paramedic earning around $90,000 base and almost $130,000 last year with penalties and overtime. She invests $400 a fortnight, salary sacrifices another $200 into super and has just taken on a $1.57 million mortgage with her mum and brother. She’s done an incredible job learning how to save and invest. Now she’s learning that sometimes being good with money also means giving yourself permission to actually enjoy it. SORT YOUR INSURANCE: A big thank you to our partner Skye Wealth for bringing this episode to life. If you're ready to get your insurances sorted, you can learn more about them here.We have a long standing referral partnership with Skye Wealth and only ever partner with people we trust. CHECK OUT THE SOTM INVESTING HUB: Full of our best investing freebies, resources, courses and podcast episodes here. INVESTING FOR BEGINNERS: All our best beginner's investing podcast episodes in one place here. Ready to binge more relatable, inspiring, and downright juicy money stories? Check out our ultimate Money Diaries playlist. Listen now Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+. And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289 See omnystudio.com/listener for privacy information.
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September 17 · 35 min
Y/N: Can I Ask For A Pay Rise After Mat Leave?
Love means adoring someone even if you don’t share the same hobbies (or vaping habits <3). Welcome to another refreshing episode of Friday Drinks. This week, Victoria, Jess and Bec face taboo head-on. Namely, the gang speaks freely about what things they actually believe are overrated. (We’re lookin’ at you, QR codes.) Come for the Broke Tips, stay for the Money Wins, and maybe linger awhile to learn more about risk profiles within the Sharesies platform. Hey, you might just learn something. The crew also answers a dilemma about asking for a pay rise during mat leave. We promise, it’s deeper than that. Tune in if you’ve ever felt some type of way about your replacement earning more than you, even when they’re doing the business a solid. NEGOTIATING YOUR PAY? Here’s a blog that’s all about how to ask for a pay rise. Search ‘pay rise’ at shesonthemoney.com/blog. LEARN MORE ABOUT SHARESIES: Here’s how to find the right risk profile for you on Sharesies https://sharesies.com.au/learn/what-is-risk-anyway. ATTN, STATS LOVERS: Here’s an interesting read by the ANU’s Global institute for women’s leadership: https://giwl.anu.edu.au/our-research/impact-motherhood-womens-career-progression New here? Follow us on Instagram (@shesonthemoneyaus) for Q&As, bite-sized advice, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett (nartarshabamblett.com.au) The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289 See omnystudio.com/listener for privacy information.
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September 15 · 16 min· Video
IPO Ceilings and The Trillion Dollar Question
Earlier this year, SpaceX went public inspiring a suite of headlines and causing a stock market stir. If those words went right over your head, dw Victoria’s here to help break it down for you. Join us for a special solo episode of Deep Dive, where V will walk you through why IPOs are in the media, what they are, and how to do your own research if you’re thinking about buying into one. From the importance of reviewing documentation to what the hell a prospectus is, Victoria explains why the SpaceX IPO is a sign of the times, before the next big announcement shakes-up the investing industry. Tune in if you’re keen to invest in OpenAi and Anthropic, or to simply have an opinion about the folks behind ChatGPT and Claude before their listings hit the watercooler in FY27. INTERESTED IN IPO-CHAT? Tune into earlier episodes covering the topic of Initial Public Offerings, P/B, and P/E ratios over at https://open.spotify.com/episode/4z0bnzFbz4xXeClPiSFkvx?si=T9Cs-QmqSmSqhQJ2lOEEKw https://open.spotify.com/episode/1Qd1mkaUlZaW41Z047HOv0?si=yQ00aniRS-iGNGaebdniuQ GET MONEY NEWS IN YOUR INBOX: Wanna hear about market goss and the next IPO drops as they happen? Sign up for our newsletter and get fresh updates delivered straight to your inbox, here: https://www.shesonthemoney.com/sotm-newsletter-signup LEARN TO INVEST: Tap into our resources for investing over here: https://www.shesonthemoney.com/investing New here? Follow us on Instagram (@shesonthemoneyaus) for Q&As, bite-sized advice, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett (nartarshabamblett.com.au) The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289 See omnystudio.com/listener for privacy information.
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September 13 · 52 min
We Escaped With a Backpack. Now I’m Building a Home for My Kids.
Growing up, this week’s Money Diarist knew there was no money. She’s a First Nations woman who grew up surrounded by domestic violence, gambling, alcoholism and financial hardship. At nine, she escaped with her mum and brother, quite literally leaving with a backpack and hiding until it was safe to come home. She watched her mum rebuild from absolutely nothing. But while that showed her incredible resilience, it didn’t magically teach her how to manage money. She started working at 14 and spent every dollar she earned. At 19 she became pregnant, at 20 she became a mum, and by 22 she was raising her son alone and studying nursing, determined that life could look different. It wasn’t an overnight transformation. There were years of living paycheck to paycheck, impulsive spending and high-interest loans. Even when she and her now-husband both started earning more, they realised something pretty confronting: more money hadn’t actually changed their financial position. So they changed their habits instead. Now she earns just under $150,000 in nursing leadership, has completed her master’s, has gone from five debts to two in the space of a year, is preparing to build her family’s first home and has started investing for all three of her children. Because they’re small. But her children are growing up talking about investing, saving, bills and what things actually cost. Things she was never taught herself. SORT YOUR INSURANCE: A big thank you to our partner Skye Wealth for bringing this episode to life. If you're ready to get your insurances sorted, you can learn more about them here.We have a long standing referral partnership with Skye Wealth and only ever partner with people we trust. CHECK OUT THE SOTM INVESTING HUB: Full of our best investing freebies, resources, courses and podcast episodes here. INVESTING FOR BEGINNERS: All our best beginner's investing podcast episodes in one place here. Ready to binge more relatable, inspiring, and downright juicy money stories? Check out our ultimate Money Diaries playlist. Listen now Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+. And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289 See omnystudio.com/listener for privacy information.
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