Think you're too behind to fix your finances? Victoria Devine was once right where you are. Before she was a best-selling author, business owner and the voice behind Australia’s number one money podcast, Victoria was financially stuck, overwhelmed, and winging it hard. In this episode, Bec puts Victoria in the hot seat to unpack her actual money journey… from the early paydays and panic-spending, to the moment she realised something had to change, and what happened next. Victoria sh...
Mar 25, 2025•51 min
This Money Diary starts with a bold move... buying a house with your partner less than a year into dating. And from there? Life happened. In big, unpredictable, deeply emotional ways. She’s bought homes, sold homes (without an agent!), navigated love, loss, DIY renos, dodgy tenants, and some truly tough decisions—all while trying to stay on top of her finances. But it wasn’t easy, and it definitely wasn’t a straight path. If you’ve ever felt like life is ...
Mar 23, 2025•30 min
There’s a lot of noise right now about using your superannuation to help buy your first home. And on the surface? It sounds pretty good. But in this episode, I break down show you exactly what happened when New Zealand tried this approach—and why it ended up hurting the very people it was meant to help. We’ll talk about rising prices, the impact on long-term wealth, and why this policy could affect everyone with super —not just first-time buyers. If you're thinking &ldquo...
Mar 21, 2025•13 min
Feeling like home ownership is totally out of reach? You’re not alone. With property prices skyrocketing, we’re looking at a surprising alternative—investing in commercial real estate. Could this be a smarter move than saving endlessly for a deposit? Or is it just another risk? We break down what you need to know before diving in. Then, we’re tackling an ethical investing dilemma—should you sell a stock if you don’t support the CEO? With Tesla and Elon Musk co...
Mar 20, 2025•44 min
We’ve all seen the TikToks... vision boards, affirmations, “just think rich and you’ll be rich!” But does manifestation actually work, or is it just a glorified daydream? Some say it’s the secret to success, while others insist that financial freedom comes from strategy, not vibes. So what’s the truth? This week, we’re breaking down the science behind money mindset, manifestation, and what actually moves the needle on your finances. 🧠 Does manifestation...
Mar 18, 2025•37 min
She was already in debt as soon as she even turned 18—because no one ever taught her how money worked. Growing up, financial security felt impossible, and without a game plan, she kept spiraling deeper into debt. Until one day, she made a choice: her kids would grow up differently. Now? She’s debt-free, earning six figures, and making sure her kids learn about money the right way. From pocket money hacks to making saving fun, she’s breaking the cycle and setting them up for fin...
Mar 16, 2025•49 min
The news is making it sound like the sky is falling, your portfolio might be looking a little red, and you’re wondering… should I be worried? But before you make any big moves, let’s talk about what’s actually happening—and why staying the course might be your best move yet. In this episode, Victoria breaks down: 📉 What’s really going on with the market (and why it’s not the end of the world) 📉How to tune out the noise and avoid panic-driven money dec...
Mar 14, 2025•15 min
This week, we’re diving into a big money dilemma: should we be more open about celebrating financial wins, or does it make things uncomfortable with friends? If you’ve ever downplayed a pay rise, felt weird sharing a money win, or struggled with how to react to someone else's financial success, we're diving right into it. Plus we've got some seriously good money wins & broke tips snd all the usual Friday fun. Ready for more laughs, lessons, and unhinged money chats? Check o...
Mar 13, 2025•46 min
If you’ve ever felt unsure about whether you’re investing the right way , this episode is for you! We’re bringing back Glen James to tackle YOUR biggest investing questions—because even with all the info out there, investing can still feel confusing . We’re covering: When to change your investment strategy (and when to leave it alone) Should you invest with your partner? Or is keeping it separate better? What the Chemist Warehouse shake-up means for investors Tech E...
Mar 11, 2025•52 min
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
