She's On The Money

Credit cards. Personal loans. Buy Now, Pay Later. Australians are in debt in a big way. But, there’s always a way out.

This Deep Dive is dedicated to helping you or someone you know eliminate debt and learn how to avoid it for good… and, all on a low income. Join Victoria for a special solo episode to firstly, shed the shame around borrowing money (by learning just how much everyone else has borrowed), then hear how to navigate your way out of debt using proven cashflow and budgeting tactics for low income earners.
We’ll cover why people get into debt in the first place, the dark design of repayments, and end on a few examples to demonstrate how you might escape debt for good. Get ready for the bounceback, ‘cause the recovery is real and always within reach.
PAY IT DOWN: Here’s a playlist dedicated to the art of paying down debt https://open.spotify.com/playlist/02sw2NObvt18jd0ayvIHn3?si=qOdbgLrBS3STvMzELWiAqg
PERVE ON OTHER PEOPLE’S DEBT: Learn how much credit card debt other Aussies actually have by searching ‘debt’ on the blog: www.shesonthemoney.com/blog
CONTACT THE NATIONAL DEBT HELPLINE: Visit the National Debt Helpline at ndh.org.au/financial-counselling/what-is-financial-counselling/ for free, confidential, and independent support for getting out of debt, gang.
New here? Follow us on Instagram (@shesonthemoneyaus) for Q&As, bite-sized advice, daily money inspo... and relatable money memes that just get you.
Acknowledgement of Country By Nartarsha Bamblett (nartarshabamblett.com.au)
The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289
See omnystudio.com/listener for privacy information.

At 26, this week’s Money Diarist has nearly $40,000 invested, $46,000 in super and has just bought a six-bedroom home on 25 acres with her mum and younger brother.
There are horses. There are stables. There’s a riding arena. Honestly, she’s doing pretty well. But the interesting part of this story isn’t actually how much she’s managed to build. It’s how difficult it still feels to spend any of it. She grew up in a financially comfortable family until her parents separated when she was 10. Her father’s financial abuse left her mum working three jobs to keep life as normal as possible for her children. There were nights when there wasn’t enough money for dinner, but her mum somehow managed to turn those moments into childhood memories of going to friends’ houses for tea. As she got older and realised what had actually been happening, money became safety. Birthday money was hidden away for a rainy day. Unplanned purchases could send her spiralling with anxiety. And even now, with an emergency fund, investments and money specifically saved for something she needs, spending it can still feel incredibly uncomfortable.
Today she’s a paramedic earning around $90,000 base and almost $130,000 last year with penalties and overtime. She invests $400 a fortnight, salary sacrifices another $200 into super and has just taken on a $1.57 million mortgage with her mum and brother. She’s done an incredible job learning how to save and invest. Now she’s learning that sometimes being good with money also means giving yourself permission to actually enjoy it.
SORT YOUR INSURANCE: A big thank you to our partner Skye Wealth for bringing this episode to life. If you're ready to get your insurances sorted, you can learn more about them here.We have a long standing referral partnership with Skye Wealth and only ever partner with people we trust.

CHECK OUT THE SOTM INVESTING HUB: Full of our best investing freebies, resources, courses and podcast episodes here.

INVESTING FOR BEGINNERS: All our best beginner's investing podcast episodes in one place here.

Ready to binge more relatable, inspiring, and downright juicy money stories? Check out our ultimate Money Diaries playlist. Listen now
Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+.
And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you.
Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements.
The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289
See omnystudio.com/listener for privacy information.

Love means adoring someone even if you don’t share the same hobbies (or vaping habits <3).
Welcome to another refreshing episode of Friday Drinks. This week, Victoria, Jess and Bec face taboo head-on. Namely, the gang speaks freely about what things they actually believe are overrated. (We’re lookin’ at you, QR codes.)
Come for the Broke Tips, stay for the Money Wins, and maybe linger awhile to learn more about risk profiles within the Sharesies platform. Hey, you might just learn something.
The crew also answers a dilemma about asking for a pay rise during mat leave. We promise, it’s deeper than that. Tune in if you’ve ever felt some type of way about your replacement earning more than you, even when they’re doing the business a solid.
NEGOTIATING YOUR PAY? Here’s a blog that’s all about how to ask for a pay rise. Search ‘pay rise’ at shesonthemoney.com/blog.
LEARN MORE ABOUT SHARESIES: Here’s how to find the right risk profile for you on Sharesies https://sharesies.com.au/learn/what-is-risk-anyway.
ATTN, STATS LOVERS: Here’s an interesting read by the ANU’s Global institute for women’s leadership: https://giwl.anu.edu.au/our-research/impact-motherhood-womens-career-progression
New here? Follow us on Instagram (@shesonthemoneyaus) for Q&As, bite-sized advice, daily money inspo... and relatable money memes that just get you.
Acknowledgement of Country By Nartarsha Bamblett (nartarshabamblett.com.au)
The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289
See omnystudio.com/listener for privacy information.

Earlier this year, SpaceX went public inspiring a suite of headlines and causing a stock market stir. If those words went right over your head, dw Victoria’s here to help break it down for you.

Join us for a special solo episode of Deep Dive, where V will walk you through why IPOs are in the media, what they are, and how to do your own research if you’re thinking about buying into one.
From the importance of reviewing documentation to what the hell a prospectus is, Victoria explains why the SpaceX IPO is a sign of the times, before the next big announcement shakes-up the investing industry.
Tune in if you’re keen to invest in OpenAi and Anthropic, or to simply have an opinion about the folks behind ChatGPT and Claude before their listings hit the watercooler in FY27.
INTERESTED IN IPO-CHAT? Tune into earlier episodes covering the topic of Initial Public Offerings, P/B, and P/E ratios over at https://open.spotify.com/episode/4z0bnzFbz4xXeClPiSFkvx?si=T9Cs-QmqSmSqhQJ2lOEEKw
https://open.spotify.com/episode/1Qd1mkaUlZaW41Z047HOv0?si=yQ00aniRS-iGNGaebdniuQ
GET MONEY NEWS IN YOUR INBOX: Wanna hear about market goss and the next IPO drops as they happen? Sign up for our newsletter and get fresh updates delivered straight to your inbox, here: https://www.shesonthemoney.com/sotm-newsletter-signup
LEARN TO INVEST: Tap into our resources for investing over here: https://www.shesonthemoney.com/investing
New here? Follow us on Instagram (@shesonthemoneyaus) for Q&As, bite-sized advice, daily money inspo... and relatable money memes that just get you.
Acknowledgement of Country By Nartarsha Bamblett (nartarshabamblett.com.au)
The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289
See omnystudio.com/listener for privacy information.

Growing up, this week’s Money Diarist knew there was no money. She’s a First Nations woman who grew up surrounded by domestic violence, gambling, alcoholism and financial hardship. At nine, she escaped with her mum and brother, quite literally leaving with a backpack and hiding until it was safe to come home. She watched her mum rebuild from absolutely nothing. But while that showed her incredible resilience, it didn’t magically teach her how to manage money. She started working at 14 and spent every dollar she earned. At 19 she became pregnant, at 20 she became a mum, and by 22 she was raising her son alone and studying nursing, determined that life could look different. It wasn’t an overnight transformation. There were years of living paycheck to paycheck, impulsive spending and high-interest loans. Even when she and her now-husband both started earning more, they realised something pretty confronting: more money hadn’t actually changed their financial position. So they changed their habits instead. Now she earns just under $150,000 in nursing leadership, has completed her master’s, has gone from five debts to two in the space of a year, is preparing to build her family’s first home and has started investing for all three of her children. Because they’re small. But her children are growing up talking about investing, saving, bills and what things actually cost. Things she was never taught herself.
SORT YOUR INSURANCE: A big thank you to our partner Skye Wealth for bringing this episode to life. If you're ready to get your insurances sorted, you can learn more about them here.We have a long standing referral partnership with Skye Wealth and only ever partner with people we trust.

CHECK OUT THE SOTM INVESTING HUB: Full of our best investing freebies, resources, courses and podcast episodes here.

INVESTING FOR BEGINNERS: All our best beginner's investing podcast episodes in one place here.

Ready to binge more relatable, inspiring, and downright juicy money stories? Check out our ultimate Money Diaries playlist. Listen now
Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+.
And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you.
Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements.
The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289
See omnystudio.com/listener for privacy information.