Episodes:

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!

380: She's On The Money Radio Recap - 29 October - 29/10/2022

Celebrate your Saturday with the She's On the Money Radio Show! This week, the team talk Census stats that say that Millennials are 3 times less likely to own a home outright than Boomers were at the same age. Plus listener Anthony wants to know what he should do about his mortgage that he's struggling to pay, and Victoria shares her thoughts! And don't miss Victoria's sneaky tips on how to keep more bucks in your bank account.

379: FRIDAY DRINKS: For the Love of Gambling Limits! - 28/10/2022

Happy Friday! The gals are back in studio with GK and they wrap the week in the SOTM-sphere, and celebrate your money wins. Plus, with Tasmania announcing gambling reforms that place a cap on how much someone can loose on the pokies, the girls chat the ins and outs, implications and the nature of the industry.

This week's Money Dilemma is all about the international versatility of Victoria's Budget And Cash Flow Masterclass .

378: What Does Financial Selfcare Look Like? - 26/10/2022

We know how vital it is to care for our health and wellbeing, and we're hopefully across the importance of caring for our mental health...but financial selfcare? What exactly does that look like? On today's show we dive into some broader ideas that help us get into the mindset for financial selfcare, and share some practical tips on how to put your financial self first!

377: MONEY DIARIES: From Hard Start to Flipping the Script! - 24/10/2022

This week's Money Diarist came from a single parent home, financial trauma and young carer situation and has since flipped her life script. She now runs her own business, has 80k left on mortgage after buying in 2020 as a single. Get ready, her story is all set to inspire!

376: She's On The Money Radio Recap - 22 October - 22/10/2022

Put more savings in your Saturday with She's On the Money Radio Show. This week the team play Facebook Marketplace; Trash Or Treasure. Join as we trawl through Facebook Marketplace to see all that is interesting, useless, or perhaps we might stumble across a hidden gem to present to our She’s On The Money Community!

Plus we talk kids and money; what do this generation of kids understand about money? We’ve got some very special guests in the studio to give us their insights. And as usual Victoria give you some tips to keep more bucks in your bank!

375: FRIDAY DRINKS: Live On Tour - Brisbane - 21/10/2022

Happy Friday, we are celebrating the last stop on our book tour with a very live Friday Drinks from Brisbane! We had an absolute ball on tour for Victoria's new book Investing With She's On The Money and adored meeting all of you who were able to make it.

As ever we chat what's been happening in the SOTM-sphere, share your money wins AND speak to a very special guest. Meet Sami Rose, a Registered Counsellor, weight-inclusive personal trainer, and body confidence coach from Brisbane. Her main areas of specialty are in binge eating and body image issues, but she also provides general counselling, helping her clients manage their stress and anxiety, navigate life's hurdles, align more with their values, and live a life that truly allows them to thrive. We know you'll love this chat as much as we did!

374: Common Financial Mistakes for Travelers - 19/10/2022

We are finally back travelling, but if you’re anything like us, you’re likely a little out of practice. To help you prepare for any upcoming vacays you have planned, today we’ll be discussing the most common money mistakes people make when they travel. From what to do with your mobile phone, to conversion rates, transport from the airport and more...listen in for some hot tips!

373: MONEY DIARIES: From Anxiety Disorder to Healing Her Money Trauma - 17/10/2022

It's been a rocky "money story" road for this SOTM community member. From hating and not feeling deserving of money, to managing her anxiety disorder and beginning to heal her money trauma, she is an inspiration and we know you are going to love meeting her!

372: She's On The Money Radio Recap - 15 October - 15/10/2022

Join Victoria Devine and Mitch Churi for another super saver Saturday- where Victoria will give you some sneaky tips on how to keep more bucks in your bank account. Plus we want to know where you are investing your money and how is it working out for you? And this week's Money Dilemma is from Georgia who wants to know what she should do with a rather sizeable inheritance. All this and so much more on She's On the Money Radio!

371: FRIDAY DRINKS: Live On Tour - Melbourne - 14/10/2022

Another Friday has rolled around and today we come to you live from our home town Melbourne, with a huge episode from the launch of Victoria's brand new book Investing With She's On The Money!

Listen as Victoria and Jess wrap the week and celebrate your money wins. Plus, they are joined by very special guest Victoria Latu, one of Australia’s most influential fashion commentators and creators. Her online platform Talking Shop, is a bold modern lifestyle online brand for the millennial woman covering fashion, beauty, lifestyle, motherhood and wellness. She is an advocate for diversity within the fashion industry and helps promote confidence in women across the nation, through how they style and create their signature looks.

370: How To Identify Spending Addiction - 12/10/2022

We have all used the phrases "shopaholic" and "shop until you drop" and most of us can admit to an impulse buy or a big spending splurge, but spending addiction is a very serious, very understudied and under-appreciated disorder. On today's show we put the spotlight on spending addiction and look at ways to manage it and where you can get support.

369: MONEY DIARIES: She Ran Away To Join The Circus! - 10/10/2022

We cannot wait for you to meet this Money Diarist. At the tender age of 23 she has already lived many lives; from spinal fusion surgery at 13 to running away with the circus, studying in Montreal, nannying in Paris, bartending in London! Now she is married with 2 properties...umm WHO IS SHE?!

368: She's On The Money Radio Recap - 8 October - 8/10/2022

It's time for another episode of She's On the Money Radio and as usual Victoria's got some sneaky tips for Super Saver Saturday, helping you to keep more dollars in your pocket. Plus the team talk Facebook Marketplace Trash or Treasure and so much more on She's On the Money Radio!

367: FRIDAY DRINKS: Live On Tour - Sydney - 7/10/2022

Victoria and Jess have hit the road to launch V's brand new book Investing with She’s on the Money, so today we bring you the show...LIVE ON TOUR from Sydney!

Join us for a special Friday Drinks where we celebrate your money wins and losses, catch up on what's been happening AND in the second half bring you a super special conversation with April Hélène-Horton. April is a writer, public speaker, actor and model; you might know her as The Bodzilla. She champions racial equity, LGBTQ inclusion, sex positivity and fat liberation and we can't wait for you to meet her. So kick back and enjoy this very special, very live episode!

366: Investing Tools For Financial Success - 5/10/2022

Investing can be confusing. It only takes a quick Google search before you're overloaded with endless options and conflicting advice. But don't worry, the She's On The Money team have got your back! On today's show, Victoria gives you the lowdown on the best investment tools to help you achieve your financial goals.

365: MONEY DIARIES: Dream Job, Dream Salary - 3/10/2022

She migrated to Australia after finally passing her English test on the eighth attempt. You better believe this Money Diarist doesn't give up! She took on a $50k loan to complete a Masters Degree in Psychology, working night shifts while studying to pay for her loan. Now, she's achieved her dream salary in her dream job - and has recently become an Australian citizen! Tune in to hear the full story from this resilient and amazing woman.

364: She's On The Money Radio Recap - 1 October - 1/10/2022

It's the weekend at last! What better way to kick it off than to catch up with the She's On the Money Radio Show. This week, Victoria's got some sneaky tips for Super Saver Saturday, helping you to keep more dollars in your pocket. The team also talk side hustles and hear from a special guest who shares their experience, owning it on OnlyFans. Plus, when is the right time to upsize your home? V has the answer in this week's Money Dilemma.

363: FRIDAY DRINKS: Losing Out On Layby - 30/9/2022

Happy Friday! It's time to unwind and recap this week's episodes. The gals also celebrate your money wins, commiserate your losses, and dive into some finance news. This week, the team discuss Big W's Layby service and the costly fees that have shoppers fuming. Plus, Victoria answers a Money Dilemma about taxes when you have multiple employers.

362: Pros and Cons of Credit Cards - 28/9/2022

Credit cards. These words might excite you or completely scare you, depending on your experience, but it's never too late to get informed. Credit cards have some useful purposes but there are also some dangers to be aware of. So on today's show, Victoria and Jess break everything down; why people get credit cards, how they can be used responsibly and what you need to know to avoid credit card debt.

361: MONEY DIARIES: Military Mum On Balancing Family, Work, + Money - 26/9/2022

This week's Money Diarist is an amazing woman who sacrificed her military nursing career to raise her children, after starting a family young and unplanned. She has also struggled with money guilt. But now, this super mum is rebuilding her career while supporting her military partner, which includes long stretches of solo parenting. Listen to find out how this incredible woman is balancing all of these responsibilities - on top of saving for her first home!

360: FRIDAY DRINKS: Kimmie Reaches For The SKKY - 23/9/2022

It's Friday once again! That means it's time to recap this weeks episodes, celebrate your money wins and commiserate your losses. Also, V answers a Money Dilemma about creating an emergency fund, and the gals discuss the latest finance news with Kim Kardashian launching a private equity firm. Plus, a special announcement from Georgia King!

359: What Are Your Employee Rights? - 21/9/2022

On today's episode talk about a common concern in the community - your rights an an employee! It can be very overwhelming when your rights are breeched in the workplace, so listen up as we talk about industry awards and agreements, superannuation, OH&S, unfair dismissal, the Fair Work Tribunal and sooo much more!

358: MONEY DIARIES: Owning It On OnlyFans! - 19/9/2022

She's a single mother who has bought a house, investment property and a Land Rover, all within 12 months,without help or relying on child support! Working very hard on OnlyFans and diligently changing her money story one day at a time, she is an absolute force of nature and we can't wait to share her with you!

357: She's On The Money Radio Recap - 17 September - 17/9/2022

Welcome to the weekend! It's time to check in with the She's On the Money Radio Show with Victoria Devine and Mitch Churi. This week, Victoria is back from a trip to the USA and she's got some genius cost-cutting travel hacks. And if you've got a mortgage, Victoria has a hot tip to save you $43,000! Umm, yes please! Plus, the team answer a Money Dilemma from Katelyn who is weighing up a new job offer.

356: FRIDAY DRINKS: Tangible Actions For Equal Pay! - 16/9/2022

Happy Friday, we celebrate the end of another week by recapping this week's episodes! Plus celebrate your money wins and commiserate your losses.

You can send us a Money Dilemma to solve on the show here, and this week V talks all about how you can make different bank accounts work for you.

And with Equal Pay Day recently passing and the news that the gender pay gap has increased, the gals talk about some tangible actions that you can take to address this ongoing problem!

355: Unpacking Financial Trauma - 14/9/2022

Most of us carry trauma of some sort, be it from childhood, relationships or other countless experiences that cause ongoing pain. And this is no different when it comes to money. On today’s episode we are talking about a lesser known trauma, but one we hear about all the time in our community - financial trauma. We define it, talk about they ways it manifests and things you can do if you are experiencing it.

354: MONEY DIARIES: She's An Egg Donor and An Inspiration - 12/9/2022

Today's Money Diarist gives SO much to those around her. She is a Māori mother of two, emergency services worker, and egg donor. As the first in her family to get a degree, she has been working on the money story she grew up with, and changing the narrative! She is insightful, she is inspirational and we can't wait for you to meet her!

353: She's On The Money Radio Recap - 10 September - 10/9/2022

It's time to catch up with the She's On the Money Radio Show with Victoria Devine and Mitch Churi. Join them for Super Saver Saturday! A segment where Victoria will give you some sneaky tips on how to keep more bucks in your bank account. And for this week's Money Dilemma - Andrea wants to know if Private Secondary Education is really worth the coin?

Plus, Victoria is renovating her home, we’ll get the in’s and out’s on how to get a bang for your buck and what has been the biggest blow out.

352: FRIDAY DRINKS: Free Degree But Not Free For All - 9/9/2022

Another Friday has rolled around again friends, and what would Friday be without a recap of the week that was, and a solid celebration of your money wins (and losses of course)!

Plus our Money Dilemma this week is all about that tricky question of sharing property with a partner. You can send us a Money Dilemma to solve on the show here.

And with the Victorian Government recently announcing they will be covering the full HECS debt for Undergraduate study in Nursing and Midwifery degrees, the girls open up a broader conversation about how society values certain industries and soooo much more.

351: Passive vs. Active Investing - 7/9/2022

Your investment options and journey is as unique as you are. However, most investors fit in to 2 categories; active or passive. This refers essentially to two different ways of managing your investment portfolio. Today we dive deep into passive and active investing, and look at some pros and cons for each to help you choose what path could suit your capabilities and values better.

350: MONEY DIARIES: She's a Globe Trotting Game Changer! - 5/9/2022

This Money Diarist is a super hard working, globe trotting wonder woman! We chat to her from her home in the Netherlands all about her conflicting childhood money story (one parent wanted to save, while the other splurged), working to change the script for herself and gain financial independence, supporting her parents through their tough situation as residents of Venezuela (inflation there currently sits at around 500%) and SO much more. We cannot wait for you to meet this powerhouse!

349: She's On The Money Radio Recap - 3 September - 3/9/2022

Happy Saturday! Catch up with the She's On the Money Radio Show with Victoria Devine and Mitch Churi. They answer a Money Dilemma this week from first home buyer Eloise, who is looking for advice about property Buyers Agents. Plus, did you hear that Beyonce bought Jay Z a $40 Million Fathers-Day Gift? Well you better believe the team have some feels all about this!

348: FRIDAY DRINKS: Easy Breezy Rent Freezie - 2/9/2022

It's another Friday and as usual we celebrate by kicking back and reflecting on this week's Money Diary and Deep Dive episodes, and share your money wins and losses! We answer a juicy Money Dilemma all about investment diversification. Plus, with the Greens this week proposing a rent freeze for two years, the girls talk about how this would help and what the implications of such a move would be.

347: Why Interest Rates Are Rising & What Does It Mean For You? - 31/8/2022

It is very hard to not be all consumed by worrying financial news right now. And while the gals at SOTM NEVER think you should bury your head in the sand, we also think it pays to take the news with a grain of salt! So on today's episode we look at why Interest Rates are rising and what it means for you. We have pulled in one of our favourite brokers Cait Bransgrove from Zella to chat with Victoria all about interest rates and answer some questions from the community!

346: MONEY DIARIES: From Bankruptcy to Building Solid Foundations - 29/8/2022

We know you'll love meeting this gorgeous, and totally relatable community member! As a child her family faced bankruptcy and lost everything. Now that she is building a home and she and her fiancée are working hard, and building their financial literacy, how does this early struggle play out in her day to day mindset? Listen in to find out.

345: She's On The Money Radio Recap - 27 August - 27/8/2022

It's another She's On the Money radio Show Saturday with Victoria Devine and Mitch Churi! As ever we dive into Super Saver Saturday. Plus, remember when you were a student? The team talk how to make your money go further on a student's budget. And, should you ever lend money to a friend? We suss the best way to go about it to save heartache down the road.

344: FRIDAY DRINKS: With V Away, It's A G and J Friday! - 26/8/2022

With Victoria away, celebrate your Friday Jess and Georgia! This week they share money wins and losses from our community, plus recap the week that was. And, how do you ask for a pay rise? This is one of the MOST common dilemmas in our community and the girls get into it on the week's Money Dilemma.

And...income guilt! Do you have it? Having spoken about it on the pod before, we recently put it out to you guys on Instagram to open up the chat. And the conversation took an interesting turn. Listen in to hear the girls unpack!

343: How To Prepare For A Recession - 24/8/2022

On this episode we talk about some things to keep in mind when heading into a recession or a time where the economy is sluggish. We want you to be prepared for what may lay ahead, so Victoria shares a few simple steps to help reduce your risks and assist you to weather the economic storm.

This episode is a companion to last week’s episode "What Is A Recession" so go back and listen to that episode when you’re done with this one!

342: MONEY DIARIES: Hustling Hard to Change the Script - 22/8/2022

Not only is she working incredibly hard in her small business, but also to change her money story and educate herself around finances. With her husband by her side, they are learning to invest and doing all they can to educate their daughter to help elevate her money story too. We can't wait for you to meet this incredibly hard working and insightful Money Diarist!

341: She's On The Money Radio Recap - 20 August - 20/8/2022

Catch up with today's episode of She's On the Money radio Show with Victoria Devine and Mitch Churi! As ever we dive into Super Saver Saturday, and our Money Dilemma today is from Simone who is looking for advice about paying for IVF using Superannuation. Plus we get the scoop on Victoria's Hen's Party...and of course who paid for what.

340: FRIDAY DRINKS: The Gender Pay Gap and The Patriarchy - 19/8/2022

Hey hey it's Friday, so kick back with gals as we recap the week that was, commiserate your money losses AND celebrate your money wins! And we answer a Money Dilemma about saving for a property with Salary Sacrifice, the First Home Super Saver Scheme and Superannuation.

Plus...the gals talk about the ATO's latest statistics comparing income for men and women who perform the same roles. The only question we really have is...how on earth can people still think the gender pay gap is a myth? Don't miss it.

339: What Is A Recession? - 17/8/2022

Interest rates are rising and inflation is seeing its fastest annual increase in 21 years. Plus, unemployment is at a low, and job vacancies are at a high. These conditions see those in power reluctant to say it, but many people believe we are headed for a recession. So on today's show we look at exactly what recessions are, how they effect us, how long they generally last for and their history. Plus, Victoria assures us that it isn't all doom and gloom! Don't miss fascinating episode.

338: MONEY DIARIES: Climbing One Rung At A Time! - 15/8/2022

She's young, and a senior WorkCover case manager with her eye on the welfare of others. She shares how growing up in a privileged family that lost their financial security has left its mark on her outlook and ambitions. She's well on her way up the corporate ladder, and we know that you'll love hearing her story.

337: She's On The Money Radio Recap - 13 August - 13/8/2022

Join Victoria Devine and Mitch Churi for some fiscal fun on She's On The Money Radio! This week, listener Maddie has a Money Dilemma and wants the downlow on pet insurance. Plus we have a new segment...Gumtree Trash Or Treasure! Have you ever looked through the free stuff on gumtree, and thought ‘oh wow, I’ve found treasure!’, or ‘that’s a piece of trash…’? Well, Victoria will decide whether they’re trash or treasure on today's show.

336: FRIDAY DRINKS: Glen James Drops In - 12/8/2022

Happy Fri-yay! The Girls celebrate with their pal Glen James from My Millennial Money and as ever wrap the week, celebrate your money wins, and answer a Money Dilemma about the First Home Super Saver Scheme.

Plus with Spaceship in the news, the team talk through the headlines, plus concerns from the community!

335: Tips For Selling Secondhand - 10/8/2022

On this special episode Georgia King is joined by SOTM co-host and secondhand selling QUEEN Jessica Ricci. Why you may ask? Because that's what today's episode is all about! This is one of Jess' side hustles and she couldn't wait to share her tips with you on how to convert that stuff laying around into cash. But in true SOTM style, the girls also go headlong into a chat about the post-pandemic landscape that has really spurred on the growing secondhand economy we find ourselves in now. Listen in and take note!

334: MONEY DIARIES: A Frontline Worker With A Heart Of Gold - 8/8/2022

She is a frontline emergency services worker who has been though it all. Last year she lost her partner to cancer and was medically discharged from her job due to PTSD. And now she's navigating the complexities of the settlement of her partner's estate, work cover and so much more. We can't wait for you to meet this incredibly strong member of our community.

This episode contains discussions about physical and mental health, death and grief. If these are tough topics for you, perhaps give this episode a miss.

333: She's On The Money Radio Recap - 6 August - 6/8/2022

Join Victoria Devine and Mitch Churi on She's On The Money Radio today for Super Saver Saturday, with some tips to help you keep your cash! Our Money Dilemma this week is from Anna who wants some tips on how to get her partner to start budgeting and saving. Plus, A former playboy bunny has revealed she didn’t actually make any money from the first season – they did it for free… would you work for free? The team unpack this. And, have you ever seen somebody asking way too much for something on Facebook Marketplace? We’re playing Tell ‘Em They’re Dreaming!

332: FRIDAY DRINKS: Rate Rises + Property Plummets! - 5/8/2022

As ever we round out another week in true SOTM style by wrapping the week that was, celebrating your money wins and losses, and answering a Money Dilemma about merging bank accounts with a partner.

Plus, rising interest rates, falling house prices, what on EARTH is going on and how do we feel about it? The gals talk through this confusing push and pull in the market!

331: How to Value + Pick Shares - 3/8/2022

On today's episode we unpack the acronyms; from P/E, PEG and P/B ratios, to Fundamental and Technical analyses we go headlong into ways to help you value and pick shares!

330: MONEY DIARIES: From Loungewear to Paralegal - 1/8/2022

She's a young law student who is in the final year of her degree and works as a paralegal. Today's Money Diarist shares her story of transcending minimum wages and a poor work environment, to starting her own loungewear business on the side of her legal career. She's a real go-getter and we can't wait for you to meet her!

329: She's On The Money Radio Recap - 30 July - 30/7/2022

It's Satur-yay with Victoria Devine and Mitch Churi on She's On The Money Radio!

As ever we've got Super Saver Saturday with more tips to help you keep your cash, and our Money Dilemma this week is from Wendy who wants a pay rise.

Have you ever seen somebody asking way too much for something on Facebook Marketplace? We’re playing Tell ‘Em They’re Dreaming! Plus...we've all got guilty pleasures right? We hear from you about things that you just can't resist splashing your cash on.

328: FRIDAY DRINKS: Pandemic Office Politics - 29/7/2022

Here at SOTM we love Fridays because it's the time of we reflect on the week that was, commiserate/celebrate your Money Wins, and answer your Money Dilemmas! This week we answer a dilemma all about how to celebrate the little wins in life.

Plus, the gals dig into a juicy chat about productivity in the office. Should the "working from home" flexibility brought on by the pandemic continue? Are there implications for not being "seen" around the watercooler? Listen into this interesting chat!

327: Insurance Q+A - 27/7/2022

On this episode we go deep into questions from the community all about insurance. From understanding what insurance is covered inside your Super, to personal and income insurance, or how to know if you're paying for things you don't need, plus so much more!

326: MONEY DIARIES: Livin' La Vida Limbo - 25/7/2022

She is happy, healthy, working towards her goals and is very grateful, but over the past 12 months, she's subconsciously hit autopilot and yearning for positive change. How can she combat complacency, and what's at the root of it all? Find out on this Money Diary!

325: She's On The Money Radio Recap - 23/7/2022

Join Victoria Devine and Mitch Churi to roll into your weekend right on She's On The Money Radio!

On today's show we've got Super Saver Saturday, and our Money Dilemma this week is from Bronte who wants some tips on Paid Parental Leave. Plus, with the news media stressing us all out with interest rates and cost of living, we’re going to debunk some of the headlines in a new segment Calm Ya Farm!

324: FRIDAY DRINKS: Big Surprises, Bank Mergers + Spending Addiction! - 22/7/2022

You know it's Friday when the girls get together to unpack the week that was, celebrate your money wins AND dive headlong into a Money Dilemma all about spending addiction!

Plus this week, they unpack the implications of the announced merger of ANZ and Suncorp Banks. And, Jess has a BIG surprise for Victoria. What is it? You'll need to tune in to find out!

323: Travel Savings Hacks - 20/7/2022

After long last travel is back on! But with the exchange rate poor and fuel prices high, travel may be out of reach for most of us. So we want to give you some travel saving hacks on today’s episode. From the cheapest time to book flights, to rentable routers and more…you name it, the girls have the downlow!

ICYMI, listen back to our full episode on Travel Insurance from last week too!

322: MONEY DIARIES: From Public Housing to 10k a Week as a Sex Worker - 18/7/2022

This week's Money Diarist has a loving and supportive husband, kids and is making bank earning between 5-10k per week as a sex worker. The pandemic meant she had to pivot her in person business to online, which absolutely flourished. In this fascinating episode, she shares her story of growing up in public housing, being a single mother, and some of the tricky sides of the business she loves so much. We can't wait for you to meet her!

321: She's On The Money Radio Recap - 16th July - 16/7/2022

Join Victoria Devine and Mitch Churi to roll into your weekend right on She's On The Money Radio!

On today's episode Victoria will give you tips on how to keep more bucks in your bank account with Super Saver Saturday. Plus, if you’re struggling with your cash flow and got yourself in a bit of a situation, hit us up at She’s On The Money Socials with your Money Dilemma! This week, Karina wants some tips on how to avoid scammers using text messages. We also hear about your Guilty Pleasures. And, have you ever seen somebody asking way too much for something on Facebook Marketplace? We’re playing Tell ‘Em They’re Dreaming!

320: FRIDAY DRINKS: A BNPL Regulation Conversation - 15/7/2022

Happy Friday! Kick back with the ladies as we wrap the week, celebrate some excellent money wins, and chat about the latest news from over the ditch in New Zealand that Afterpay is now available on alcohol sales. Strap in for a regulation conversation between the gals! Plus we answer a Money Dilemma about how to get over trauma post bankruptcy.

319: Talking Travel Insurance - 12/7/2022

With travel finally back on the cards, today we unpack travel insurance! Why do you need it, what level of cover should you consider, and what are some important things to remember when driving a car overseas or trying to safeguard yourself against Covid catastrophes? Dive into today's episode to find out.

318: MONEY DIARIES: An Uber Hard Working, Business Owning, Mother To Be! - 11/7/2022

She's a new Australian citizen with multiple small businesses on the go, is a driver partner for Uber, PLUS she has a baby on the way! With lofty ambitions, this delicate balance has her well on her way to achieving her financial dreams. Who is she?

317: FRIDAY DRINKS: Live 3rd Birthday Extravaganza! - 8/7/2022

To celebrate She's On the Money's 3rd birthday, we threw a party! So join us for this very special episode as we LITERALLY kick back with the girls...and you, bev in hand and celebrate your money wins, catch up on what's been happening in the community, and solve a bunch of Money Dilemmas asked live in person from our gorgeous community!

Thank you so much to everyone who came along to celebrate with us, it was such a special night and so wonderful to meet you all! We can't wait to get out and do more live events, so keep your eye peeled for the next one.

316: What is a Bear Market? - 6/7/2022

With the ASX having lost approx. 10% of it's value over the past financial year and investor confidence down, we are officially in a bear market! On this episode, we dive head long into the causes and effects of this current state of affairs and what may lie ahead. We look at what a bear market is, what it means for us, and why we are in one.

315: MONEY DIARIES: Staying Financially Afloat & Living On A Boat! - 4/7/2022

It's time for our favorite part of the week again, where we get to meet a community member! This week; she learned the value of money early on when both of her parents retired young. Now, she is gearing up for a life afloat, and is moving onto a boat with her partner to save money. She's hard working, dedicated and definitely thinks outside of the box, we can't wait for you to meet her!

314: FRIDAY DRINKS: "Stable" Coins, Crypto Horses and more! - 1/7/2022

Happy Friday...the gang is back together and boy do they have a convo for you! As usual the team celebrate your money wins, recap the week, and this week's Money Dilemma about Finder's Earn really opens up a BIG conversation! Hear the team's thoughts on "stable" coin, deceptive marketing and the nature of a guaranteed investments.

313: Let's Simplify Tax Time! - 29/6/2022

Feeling overwhelmed at EOFY? Don't worry, we've got your back! In this episode we give you tips and tricks to simplify tax time; from some of the most surprising things you can claim, to what you should do if you have investments. Victoria and Georgia will have you rolling into the new financial year full of confidence!

312: BONUS EPISODE: Broker Q+A! - 28/6/2022

Just sneaking in a little extra gift before EOFY for you...featuring a Q&A with our favorite mortgage broker, and latest addition to Zella - Cait Bransgrove! Don't miss this jam packed episode full of YOUR questions about property ownership, when to speak to a broker, different schemes for first home owners and SO much more!

311: MONEY DIARIES: A Single Mother Of 3 Moving Into An Abundance Mindset - 27/6/2022

With her grandmother's words still ringing in her ears this Money Diarist is learning to shift from a scarcity to abundance mindset. She came to Australia at 16 and became a single parent at 19. By choice she continued on her journey as a single mother, now with 3 kids. Not only is she kicking goals but changing her mindset along the way! Who is she? Find out on this episode of Money Diaries.

310: She's On The Money Radio Recap - 25th June - 25/6/2022

Bring the yay to your Saturday with Victoria Devine and Mitch Churi on She's On The Money Radio! You’ve probably seen different places that offer you freebies on your birthday… well we’ve got a list of them for you to make your next birthday a great one! Plus, if you’re struggling with your cash flow and got yourself in a bit of a situation and need some advice, hit us up at She’s On The Money Socials for Money matters. This week we look at when’s the best time to book accommodation for a holiday? If you know when to book, you can save hundreds.

309: FRIDAY DRINKS: Valuing Our Frontline Workers - 24/6/2023

Another week is at its end and that means it's time to kick back with the girls for a wrap of the week, to celebrate and commiserate your Money Wins/Losses and solve a Money Dilemma! This week it's all about the HELP loan and the indexation rate.

And with different states announcing a one off cash payment for frontline healthcare workers, the girls wax philosophical on the way society values some of our hardest working and most underpaid workers.

308: 5 Finance Books That Will Change Your Life - 22/6/2023

On this episode Victoria shares 5 finance books that will change your life! She breaks down their philosophies, tips and different approaches to money and mindset in this special SOTM Book Club episode.

307: MONEY DIARIES: Big Below Deck Vibes! - 20/6/2023

After a leave of absence to chase her dream of being a yachtie in France, she came home exhausted (but well remunerated) to return to work as a physio and continue to smash her financial goals! Just wait to you meet this week's Money Diarist.

306: She's On The Money Radio Recap - 18th June - 18/6/2023

Victoria Devine and Mitch Churi bring you another Super Saver Saturday, where Victoria will give you some sneaky tips on how to keep more bucks in your bank account. And this week on Money Matters, what should you do if you come into a massive sum of money? We hear from a listener about their experience. Plus, everybody loves the honeymoon period of a new relationship…but at what point do you start talking about money? We discuss the best way to bring it up with a new flame.

305: FRIDAY DRINKS: Another Big Bank On The BNPL Bandwagon! - 17/6/2023

Happiest of Fridays angels! Join us for the best way to end the week and another episode of Friday Drinks! We wrap the week, celebrate your Money Wins and commiserate the losses, plus the ladies answer a sticky Money Dilemma about transitioning from fortnightly to monthly pay. Submit your Money Dilemma here.

Plus there's more buy now, pay later chat to be had with NAB jumping on the bandwagon! The ladies discuss the ins and outs and speculate on whether this is bad or could help with further regulation of the BNPL industry as a whole.

304: Is Your Side Hustle Tax Compliant? - 15/6/2023

Today we are talking about two little words hot on everyone’s lips over the past few years...SIDE HUSTLE! We give you some tips, tricks, and living examples to make sure you aren't crying at tax time over the extra cash you've worked so hard for!

303: MONEY DIARIES: Achieving Her Goals with Borderline Personality Disorder - 13/6/2023

Having moved to Australia from The Philippines 5 years ago, this incredible Money Diarist was diagnosed with Borderline Personality Disorder. Hear how she discovered, and deals with this day to day in amongst her busy career, planning for a wedding and managing her finances. We're so grateful that she shared her experiences and truth with our community, and if you're struggling please check out some resources listed below.

302: She's On The Money Radio Recap - 11th June - 11/6/2023

Welcome back to another SOTM Saturday with your money expert Victoria Devine and Mitch Churi.

Groceries, petrol, real estate – everything costs way too much right now. So today we’re playing "The Price Is Wrong" going through everything that’s so much more expensive than it should be! Plus join us for Super Saver Saturday where Victoria gives you some sneaky tips on how to keep more bucks in your bank account. And If you’re struggling with your cash flow and got yourself in a bit of a situation and need some advice, hit us up at She’s On The Money Socials for Money Matters. This week, what should you do if a friend hits you up for a loan?

301: FRIDAY DRINKS: Life's About To Get Even More Expensive! - 10/6/2023

In good news Victoria is back for this Friday Drinks episode! But in bad news the RBA has lifted the official cash rate for the second time in just over a month, which means life is about to get even more expensive! So the girls discuss the ins and outs of this decision.

And as ever they wrap the week, celebrate your Money Wins AND answer a Money Dilemma all about paying tax overseas. You can submit your Money Dilemma here.

300: Tax Season: How To Look At A Company's Financials - 8/6/2023

It’s reporting season for all around the land, and so on this episode Victoria and Georgia talk about how to read a dividend statement, report any income from shares, and what you need to look at in company’s financials.

299: MONEY DIARIES: A Hard Worker With A HUGE Heart! - 6/6/2022

We cannot wait for you to meet today's Money Diarist! As a kid from a low income background on a scholarship at a private school, she never felt like she fit in, but early on she formed an appetite for very hard work. Now, with four kids including two of her own, and two more she is a joint kinship carer for, she's juggling fulltime work, family and study. And did we mention she has a heart of gold?

298: She's On The Money Radio Recap - 4th June - 4/6/2022

It's Satur-yay and that means more ways to save with the She's On The Money Radio Show with Victoria Devine and Mitch Churi! This week Victoria gives some hot tips on topping up your super before tax time. And we hear your lifestyle hacks from your student, low budget years.

All this and so much more on She's On the Money Radio!

297: FRIDAY DRINKS: Another G and J Fri-yay - 3/6/2022

With V still away, it's Friday again with G & J! As ever, we delight in your Money Wins, wrap the week, answer a Money Dilemma all about Savings Burnout (submit a dilemma here).

AND with some exciting things coming up in the SOTM community the girls give you the downlow on all that's happening.

296: Understanding Income Guilt - 1/6/2022

On this episode we unpack income guilt. Closely related to spending guilt, it's a relatively new term, but not a new experience. And while it can be a reaction to socio economic inequality, it is very often a result of your money story and background. Join Georgia and Jess as they look at the causes, constraints and commonalties of income guilt.

295: MONEY DIARIES: A Single Mum On Welfare With A Foot In Each World - 30/5/2022

Today's community member is a single mum who lives on welfare and gets by with a stack of tiny side hustles. She shares her story of battling for custody and keeping her head above water, while trying to prioritise quality care and time with her daughter.

294: She's On The Money Radio Recap - 28th May - 28/5/2022

Happy SOTM Saturday! This week on the She's On The Money Radio Show hear which guilty pleasures Victoria Devine and Mitch Churi cannot live without. Plus, we've got another Super Saver Saturday where Victoria gives some sneaky tips on how to keep more bucks in your bank account. And this week on Money Matters 11 year old Ben wants some advice on getting into the stock market .

293: FRIDAY DRINKS: A Special G and J Q and A! - 27/5/2022

With Victoria away sick, we bring you a special G&J Q&A Friday Drinks this week, where the girls answer your burning, and quite personal questions! And as ever we celebrate your Money Wins and wrap the week of all things SOTM. We don't address a Money Dilemma this episode, but you can submit one here.

292: Property Pressure: Buy Now Or Wait? - 25/5/2022

When considering purchasing property it is so easy to get caught up in media hype and fall into other people's ideas of what we should aspire to. In this episode we discuss the current state of the property market, check our values and how they align with external pressures in society. We'll give you some things to consider when deciding whether to purchase property. Do you do it now or wait to save a deposit? We’ll talk inflation, available grants, increased land value and so much more.

291: MONEY DIARIES: The Life and Finances of an Undercover Cop - 23/5/2022

After working as a covert operative (undercover) Police officer, this Money Diarist felt burnt out and took 7 months leave without pay. So she started her own business AND bought a van to travel round Australia. Having since retuned to work, and selling her business for a profit, she has her sights set on new things. Listen in to hear her amazing journey.

290: She's On The Money Radio Recap - 21st May - 21/5/2022

Welcome to the first ever episode of the She's On The Money Radio Show! Victoria Devine and Mitch Churi refuse to be upstaged by a democracy sausage/Federal Election day and bring you an hour of radio power with some Super Saving tips to keep more bucks in your bank. And if you’re struggling with your cash flow and need some advice, hit us up on the She’s On The Money Socials for Money Matters. Plus who doesn’t love a bargain on Facebook Marketplace? Tune in to hear what Victoria thinks of Mitch's latest haul.

289: FRIDAY DRINKS: Picking Apart Party Promises - 20/5/2022

Amidst the slings and arrows of a Federal Election countdown it is easy to zoom in on particular political promises. On this Friday Drinks, the girls zoom out on the pomp and promises, and Victoria does the math on a certain headline policy around withdrawing Super to purchase a first home. PLUS, as ever we recap the week, celebrate your money wins and answer a Money Dilemma about salary sacrificing!

288: Budgeting For A Wedding - 18/5/2022

Here at She's On The Money, we LOVE a wedding but you'd be hard pressed to find another major life event that combines all of our aspirations, dreams, family and social pressures, traditions and expectations into one VERY costly package! They can quickly turn into anxiety riddled harbingers of debt, instead of a beautiful transition into the next phase of life. So on this episode we unpack the context, complications and costs of the big day.

What's the history of marriage? What kinds of things do we forget to include in our budget? How does the day get so stressful? Listen in to find out.

287: MONEY DIARIES: An Executive with Social Justice In Her Heart - 16/5/2022

This Money Diarist will get you motivated to step up for a seat at the table. As the first in her family to get a degree, she became an Executive for a not for profit as a single mother with a 6 year old daughter. By the time she left her "dream job" it had a staff of over 200 people and she oversaw a budget of close to 30mil. We can't wait to share her special story with you!

286: FRIDAY DRINKS: RBA Rates + A Wild Goose Chase! - 13/5/2022

You know what Friday means? That's right, it's time we kick back and roll through this week's episodes, celebrate your money wins, solve a Money Dilemma (which you can submit here by the way), and talk about what's been in the news. But this week, guess which member of the team took matters into her own hands and went on a WILD goose chase to remedy the situation? You'll have to listen to find out!

And with the recent RBA rates announcement, the girls drill down on its implications and effects.

285: Having Difficult Conversations With Your Boss - 11/5/2022

One of the most common questions we get from our community is how to have that tricky conversation with your boss. So on this episode we talk about common workplace complaints, how to research and negotiate a pay rise and how to be more assertive. We also touch on discrimination laws in Australia and the fair work commission, with some resources you can lean on if you have experienced discrimination, harassment or unsafe conditions.

284: MONEY DIARIES: A Phoenix Rising From The Ashes - 9/5/2022

This Money Diarist left us utterly speechless! Having survived an abusive relationship, she was lumped with $120,000 in debt on credit cards she didn't even know existed. It took 7 years and ended up costing her $250,000, but she is finally debt free. And you'd better believe she is living her best life; in her dream job, as a home owner, with a wonderful partner AND with a successful side hustle. Oh...and she may even out-game the SOTM girls when it comes to a good spreadsheet!

283: FRIDAY DRINKS: Interest Rates, Inflation and....Horses? Oh my! - 6/5/2022

Hey hey it's Friday! As per usual we celebrate you and your successes, recap the week AND answer a Money Dilemma all about how interest rates affect your bank account. By the way, you can reach out to us with your Money Dilemmas here!

AND in the midst of this RBA rate hike, election countdown kerfuffle of a week, the ladies kick back for a chat about HELP debt, the CPI index, inflation and so much more!

282: What Is The Difference Between Investment Platforms? - 4/5/2022

With so many people in ours and the broader community starting their investment journeys, now has never been a better time to brush up our investment literacy. On this episode we look at different kinds of investment platforms; what's the difference between micro investing and a share trading platform? How do you even review and compare different platforms? What is Robo Advice? Listen in to find out!

281: MONEY DIARIES: 3 jobs, 3 kids and she is GLOWING! - 2/5/2022

Welcome back to another Shopback Money Diary Monday with one of our inspirational community members! On this episode we meet a woman who is on the serious hustle juggling 3 jobs, with 3 kids and is working SO hard to build her assets and maintain her financial security. We can't wait for you to meet her!

280: FRIDAY DRINKS: Talking the Twitter Takeover! - 29/4/2022

Welcome to Friday honeys! On this episode recap the week, like what is an axo-De facto anyway? And of course we celebrate your Money Wins. We also answer a Money Dilemma about saving vs investing. Meanwhile, we have a shiny new way for you to send us YOUR Money Dilemmas, check it out here!

And it wouldn't be Friday without the gals have a good old vent, and with Elon Musk taking over Twitter you'd better believe there are feelings to be had!

279: Protecting Your Assets in a Relationship - 27/4/2022

On this episode we dive into the ins and outs of asset ownership and protection in a relationship. What are the legal implications of being in a De facto relationship and how does this effect your financial situation? Listen in to get the skinny!

278: MONEY DIARIES: From Centrelink to a 6 figure business! - 25/4/2022

What can we say about this week's Money Diarist except...WOW! In 4 short years, and still at the tender age of 22 she has no debt, owns her own home, has developed a 6 figure hospitality business all while working her freelance copywriting business on the side. Prepare to be inspired! She also gives blood and currently the Red Cross are seeking donors.

277: FRIDAY DRINKS: Afterpay is in HOW much debt?! - 22/4/2022

Celebrating Friday with another wrap of this week's episodes; from the Money Diary of a Diesel Mechanic, to budgeting for charitable and philanthropic giving. Plus YOUR money wins and a listener question about investing when not an Australian citizen. And the ladies dive into a juicy chat about Afterpay's latest financial report that reveals the company are in massive debt!

276: Charity and Philanthropic Budgeting - 20/4/2022

All of us have donated money in one way or another. The ways to support charities and philanthropic organisations have evolved to integrate our moral compass with our spending habits or lifestyle focus. But how do we decipher where our money should go, and how to budget for it? In this episode we go though on the ins and outs, some considerations and context of charity and philanthropic budgeting.

275: MONEY DIARIES: No degree, but on the way to 140k! - 18/4/2022

Happy Easter Monday honeys, and what a treat of a community member we have for you on this Money Diaries episode! She is a young woman working as a diesel mechanic in the male dominated mining sector, and with no degree under her belt, is already smashing her financial goals. Find out what makes her tick.

274: FRIDAY DRINKS: Playing god with the stock market - 15/4/2022

A very good Fri-yay to you angels! We are extra pumped on this ultralong weekend edition of Friday Drinks and as usual, share your money wins, answer a listener question about setting up Legacy Funds and give our wrap of the week. Also Elon has been busy buying up Twitter shares and you'd better BELIEVE that the girls have thoughts about this!

273: Managing Spending Guilt - 13/4/2022

On this episode we unpack the all too common feeling of spending guilt! Is it different to other forms of guilt? Why do we feel it AND what do we do about it? Listen to this episode to find out more on the prevalence and purpose of this particularly icky, but entirely manageable experience!

272: MONEY DIARIES: A leave of absence to find her dream job! - 9/4/2022

This powerhouse community member realised that she was climbing a ladder that was not right for her, so after a leave of absence and some serous soul searching, she redefined that ladder and is scaling amazing new heights!

271: FRIDAY DRINKS: We talk the latest "Credit Card"/Influencer combo with Glen James - 8/4/2022

Happy Friday! This week it's the gang plus 1 as we're joined by our friend Glen James from My Millennial Money for hot takes on this week's episodes, your money wins and to answer a listener question. Plus, have you heard about the latest influencer/"credit card" combo?! Well, we definitely have thoughts and feelings about this spicy situation, so don't miss it!