Growing up, money was always tight. This week’s Money Diarist watched her parents work multiple jobs just to stay afloat, and from an early age, she learned to fear spending, avoid risks, and believe there would never be enough. That scarcity mindset followed her into adulthood. Now? She owns her home, is investing like a queen, and is finally feeling financially secure—but the journey here wasn’t easy. If you’ve ever felt anxious about spending, hesitant to invest, ...
Mar 09, 2025•43 min
Happy International Women’s Day! Today, we’re celebrating by doing what we do best... helping you take charge of your financial future so you've got options queens! This week, we’re diving into the motherhood penalty... why so many women return from maternity leave to find their careers mysteriously “adjusted” (aka downgraded) and what you can do to protect yourself. We’re also unpacking super splitting... should you actually be doing it if you and your...
Mar 06, 2025•36 min
If you’ve ever left the supermarket wondering how did I just spend $100 on basically nothing?! you’re not alone. Groceries are out of control, and meal planning can feel like a full-time job. But today, budget meal queen Chelsea Goodwin from $10 Meals is here to prove that you can feed your family delicious, filling meals for just $10. From sneaky supermarket traps to the one food waste habit costing you hundreds every year, Chelsea is spilling all her best hacks to stret...
Mar 04, 2025•47 min
For years, our Money Diarist thought she was doing okay financially—bills were paid, life was good, and saving for the future? That was a later problem. But at 45, she read her first finance book changed everything . Suddenly, she realised she had no real plan, no investments, and no idea how to make her money work for her. Fast forward to today, and she and her partner are completely debt-free, traveling full-time, and working just six months a year to fund their dream lifestyle. No...
Mar 02, 2025•42 min
Have you ever felt like you can’t log off, can’t say no, and can’t ask for more money? Welcome to hustle culture, where doing more for the same pay has somehow become normal . This week, we’re unpacking a community dilemma about being overworked and underpaid, and asking: When is it worth pushing back, asking for a raise, or walking away? We’re also breaking down ATO activity statements... what they are, why you might have received one, and whether you act...
Feb 27, 2025•39 min
If you’ve ever wondered "Should I pay off my mortgage or invest?" or "How do I even find a good financial advisor?" this episode is for you! We’re putting financial advisor Daisy Magor in the hot seat, tackling the biggest money dilemmas our community is facing right now (in a way that actually makes sense). 🔥 Should you pay for financial advice using your super? 🔥 Why do different advisors give completely different recommendations? 🔥 What’s the biggest money mistake even sm...
Feb 25, 2025•38 min
What happens when a hardcore saver marries a carefree spender? Five years ago, this Money Diarist and her husband were buying their first home, navigating the financial uncertainty of the pandemic, and dreaming about starting a family. Now? They have two kids, a mortgage, and a whole new outlook on money. At first, she thought her savings obsession was keeping them safe. But then came a mortgage, two kids, the high cost of IVF, and a $150K business opportunity—forcing her to rethink everyt...
Feb 23, 2025•36 min
The RBA just dropped the cash rate—so what does that mean for your mortgage? Whether you’re a homeowner, a future buyer, or just watching the market, interest rates are the hottest money topic right now. This week, we’re diving into what the rate cut could mean for you. And Victoria gives her guide on how to negotiate a better deal on your home loan at any time, because even a 1% decrease could mean thousands off your loan. And in the ultimate friendship-meets-finance dilemma, ...
Feb 20, 2025•53 min
When you hear family trust, do you picture Hollywood movies about billionaires dodging taxes, messy inheritance battles, and luxury yachts? Same. But here’s the truth—family trusts aren’t just for the ultra-rich. They can actually be a powerful financial tool for everyday people… if you know how to use them. This week, we’re breaking down: 💰What a family trust actually is (in plain English, promise!) 💰The tax perks & asset protection benefits 💰Who shou...
Feb 18, 2025•45 min
Imagine moving to a new country with just $1,000 to your name—no job, no safety net, and no real plan… except for a leap of faith. That’s exactly what this week’s Money Diarist did when she packed up her life in Brazil and landed in Australia. To save money, she lived on a boat for two years, traded a car for an electric bike, and built a life from the ground up. Now, she’s paid off her car, launched a side hustle, and is on track to buy her first property. If you&...
Feb 16, 2025•38 min
You’re working harder than ever… but where’s the pay raise? If your job keeps piling on responsibilities without the extra dollars to match, what do you do? Do you ask for a raise, push back, or start looking elsewhere? We’re breaking it all down. We’re also tackling a big relationship question—what happens when you and your partner aren’t on the same financial page? Whether one of you is saving while the other is spending, or your money goals just don&...
Feb 13, 2025•58 min
The investing world in 2025 is full of change—but is that a bad thing? AI is shaking things up ( again ), Trump’s tariffs are making headlines, and interest rates are keeping us on our toes. But what does it actually mean for your money? If investing news feels like a mix of big headlines and even bigger question marks, we’ve got you. Markets move fast, but smart investing isn’t about chasing trends. So, let’s break it all down (no finance degree required) and ...
Feb 11, 2025•36 min
Would you walk away from a six-figure salary? For many of us, climbing the career ladder and reaching financial milestones feels like the ultimate goal. But when this week’s Money Diarist and her husband hit a household income of over $200K, they realised that success wasn’t just about the numbers. When they became parents, the long hours, the career grind, and the constant pressure to earn more no longer felt like the right fit. So, they made a huge decision—they stepped back ...
Feb 09, 2025•35 min
Victoria just lived out her own true crime moment and she's here to spill the tea. She found an ACTUAL card skimmer at an ATM and girl ripped it off with her bare hands! If you've ever wondered how scammers get their sneaky little hands on your money (and, more importantly, how to stop them), you need to hear this wild story. But that’s just the beginning. We’re also diving into a tough community question about navigating unemployment, from what to do when job hunting feels impossibl...
Feb 06, 2025•59 min
This Valentine’s Day, we’re turning up the romance… with your finances! Whether you're single or in a relationship, a money date is the ultimate act of self-love. Pour yourself a glass of wine, light a candle, and let’s make your financial future irresistible. In this episode, we’re making finances feel sexy, fun, and totally stress-free. We’ll show you how to plan the perfect money date (yes, wine and fancy cheese are encouraged), how to overcome money anxie...
Feb 04, 2025•47 min
If you've ever wanted a front-row seat inside the mind of a young, self-made investor, this episode is for you. This week’s Money Diarist didn’t inherit wealth and she didn’t walk into a six-figure salary after uni. Instead, she hustled hard, built strong networks, and made investing moves that paid off—and yes, we get really pervy about it. We dive deep into her first-ever investment, the mistakes she made along the way, and how her strategy has completely evolved ...
Feb 02, 2025•45 min
Got big travel plans but a not-so-big budget? This week, we’re sharing travel savings hacks to help you cut costs without sacrificing the fun. Then, we dive into one of the most awkward money dilemmas: what do you do when a friend owes you money but won’t pay up? Do you call them out? Drop hints? Cut them off completely? We break down the best ways to handle it, without losing the friendship (or your patience). Plus we find out how one listener scored $600 cleaning out that ran...
Jan 30, 2025•39 min
Feel like buying a home in 2025 seems impossible? We’ve got the plan to make it happen! This week, Victoria teams up with expert mortgage broker Jaclyn Walsh to arm you with the ultimate guide to turning your property dreams into reality—and saving thousands while you’re at it. From when to call a mortgage broker to insider hacks that could cut years off your loan and tens of thousands off the cost, this episode is bursting with tips from our industry expert. Wondering if your ...
Jan 28, 2025•48 min
What does it take to turn a paycheck-to-paycheck life into homeownership, wedding plans, and dreams of starting a family? This week’s Money Diary is a masterclass in leveling up your finances—and your life. Our diarist spills all about their journey from being a self-described hot mess, splurging on brunches and carrying a $25K car loan to ditching debt, buying a house, and building a future with their partner. You’ll hear about the hard lessons (like how car loans can play hav...
Jan 26, 2025•49 min
What happens when a wedding invite turns into major family drama? This week, we’re spilling the tea on a juicy guest list dilemma that’s got everyone talking. Who’s in the right? Who’s way out of line? And how do you navigate sticky situations like this without losing your cool—or your budget? We’ve got opinions, and so does the She’s on the Money community. But that’s not all. We’re also tackling a financial dilemma that could save you hundr...
Jan 23, 2025•53 min
Have you seen those TikToks saying you need seven income streams to be a millionaire? Yeah, we’re calling BS. This week, we’re tearing apart the hustle culture myth that’s been making the rounds on social media—and giving you a realistic, sustainable approach to building wealth without working 24/7. Victoria and Bec unpack where this viral idea comes from, why it’s not what it seems, and what actually works when it comes to creating a financial glow-up. If you&rsquo...
Jan 21, 2025•40 min
Imagine selling everything you own, starting a business, and hitting the road with your family—all while raising two young kids. Sounds impossible? Not for this week’s Money Diarist. After a life-changing experience in the NICU, she and her husband realised life is too short to wait for the “perfect” time to live their dream. So, they made it happen: selling their belongings, buying a caravan, and building a business that gives them the freedom to work from anywhere. In t...
Jan 19, 2025•39 min
What would you do if your parents surprised you with a car… and then dropped a bombshell that there were financial strings attached? This week, we unpack a juicy money dilemma that will leave you stunned, and we’re not holding back. Plus, we’re diving into another hot topic: how to split housing costs with your partner when one of you owns the home. It’s tricky, but we’ve got the tips to keep things fair and drama-free. Of course, Fridays wouldn’t be complete...
Jan 16, 2025•53 min
Got a big goal for 2025? Whether it’s smashing debt, building an emergency fund, or finally booking that dream holiday, a side hustle could give you the extra cash you need. But how do you find the perfect one? In this week’s episode, we’re diving into exactly that—how to turn your skills, passions, and free time into cold, hard cash. Victoria and Bec break down everything you need to know, from assessing your goals and availability to exploring creative ways to make extr...
Jan 14, 2025•25 min
Ever had life give you everything you thought you wanted, only to wonder if it’s what you actually needed? This week’s Money Diary is a juicy, emotional rollercoaster, and trust us—you won’t want to miss it. Our Money Diarist shares her incredible journey of building her dream life, only to find it wasn’t what she truly wanted. After years of saving, buying a dream home, and getting engaged, she made the bold decision to burn it all down, walk away, and start over. ...
Jan 12, 2025•44 min
Think achieving financial freedom has to mean endless spreadsheets and giving up your favourite treats? Think again! In this episode of She’s on the Money , we’re embracing our inner lazy girl and showing you how to work smarter—not harder—with your money. Join V as she breaks down the easiest, tech-savvy strategies to simplify your financial life in 2025. From our favourite apps to automations, this is your ultimate guide to making your money work for you while you ...
Jan 10, 2025•13 min
This week’s episode is the ultimate financial pick-me-up to power you into the weekend like the boss you are. We’re diving into your incredible money wins—think ChatGPT hacks that make meal planning a breeze and slashing power bills to a jaw-dropping $87. But we’re not stopping there. We’re tackling two big, relatable topics that you need to hear about. Ever thought about a removable home? (Spoiler: It’s trickier than you’d think, but we’ve got the...
Jan 09, 2025•33 min
Ever told yourself, “This is the year I start investing,” only to hit pause because, let’s be real, it all seemed a bit too much ? Been there, done that. But not this year, my friend. This time, we’re ditching the excuses and diving headfirst into making those investing dreams a reality. Whether you’ve got $10 or $10,000, this episode is your official pep talk to stop procrastinating and start building your future. Victoria Devine is here to break it all down—...
Jan 07, 2025•40 min
What does it take to rebuild your life not once, not twice, but three times? In this unforgettable Money Diary, we meet an inspiring single mom who turned heartbreak and setbacks into a financial success story. From devastating breakups to losing $38,000 in a scam, she shares how she clawed her way back. Now, she’s achieved her dream of homeownership through the Australian government's Family Home Guarantee and is on a mission to build a buyer’s agency to help others find stability. ...
Jan 05, 2025•28 min
Is HECs debt the ultimate financial ball and chain, or is it not as bad as it seems? We’re unpacking why some people never pay it off (and why that might be okay), plus tackling a wild money dilemma involving a broken TV and a very awkward friendship moment. This episode has the drama and the money smarts, plus all the usual Friday Drinks fun—don’t miss it! Want to kick off 2025 with your best financial foot forward? Victoria’s Financial Foundations Workshop is packe...
Jan 02, 2025•47 min
