What happens when you hit rock bottom with money… and decide to completely turn your life around?

In this week’s Money Diary, we meet a She’s on the Money community member who left home at just 16, became a young single mum, and found herself living below the poverty line with no financial literacy, mounting debt and her power literally being cut off.

Fast forward to today… she’s built a career in banking, earns $95,000 a year, owns her home, has repaired her credit score and is now investing for her future.

This is a story about resilience, rebuilding and what it really looks like to go from financial chaos to financial confidence.

Plus, we talk budgeting, credit cards, investing strategies and how to take control of your money even when you feel completely overwhelmed.

If you’ve ever felt behind, ashamed of your money situation, or unsure where to start… this episode will remind you that it’s never too late to turn things around.

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.

It’s a Jess and Bec takeover this week (while V is still on mat leave… but don’t worry, she’s back very soon 👀).

We kick things off with Jess sharing her money wins, because we love a little financial main character energy to start the episode.

Then we get into a dilemma that feels a bit too real. What do you do when a debt has snowballed way beyond what you originally owed… and is there actually a way to negotiate it down? We unpack what your options might look like, what’s realistic, and where to even start.

And then a DM slid into our inbox that had us thinking about the long game. What’s the best way to set your kids up financially? We chat through the different approaches, what actually makes a difference, and how to balance giving your kids a leg up without overcomplicating it.

Plus, we read out one of your five-star reviews (which we are obsessed with, by the way). If you’ve been loving the show, you can leave us a review on Apple Podcasts or drop your thoughts on Spotify, we genuinely read them all and love sharing them with the community.

As always, it’s a little bit chaotic, very real, and full of the money conversations we should probably be having more often.

WANT OUR NETWORTH TRACKER: It's part of our Investing Masterclass here.

MORE CAREER EPISODES: Our How to Build a Successful Career podcast playist

NEW HERE?: Take our Money Personality Quiz and we will send you free resources based on how YOU actually manage money here.

Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here.

Join our 400K+ She's on the Money community in our Facebook Group and on Instagram.

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 - 451289

See omnystudio.com/listener for privacy information.

If you’ve ever looked at your bank account after booking a holiday and thought… “well, that was financially irresponsible” — this episode is for you.

In this week’s Deep Dive, we’re talking all things travel and money. Because yes, you absolutely deserve to see the world… but ideally without coming home to financial chaos.

We’re breaking down the smartest (and slightly underrated) ways to save money on travel without sacrificing the experience. Think less “skip the holiday” and more “travel smarter, not poorer.”

We chat:

• How to find the cheapest time to travel (and why timing matters more than you think)
• The flight booking tricks that can literally save you hundreds
• Why where you book your flights from can change the price (yes, really)
• The “Goldilocks window” for booking flights so you don’t overpay
• How to rebook hotels when prices drop and lock in better deals
• The apps and tools that can score you discounted meals while travelling
• How to avoid sneaky international fees and currency traps
• Budget accommodation hacks that aren’t grim (including a genius uni dorm trick)
• And the small, realistic habits that can save you hundreds over a single trip

Because travel isn’t a bad money goal. In fact, research shows spending on experiences actually makes us happier. But going into debt for it? Not the vibe.

This episode is your permission slip to book the trip… and your game plan to do it in a way your future self will thank you for.

POINTS HACKING EPISODE: Points Hacking (No Credit Card Required)

MORE SAVINGS HACKS EPISODES: I’m Bored. Give Me Your Most Unhinged Savings Hacks

FREEBIE: Get our free savings challenge resource here.

NEW HERE?: Take our Money Personality Quiz and we will send you free resources based on how YOU actually manage money here.

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 - 45128

See omnystudio.com/listener for privacy information.

If you think being made redundant would completely derail your finances… this week’s Money Diary might change your mind.

Our diarist is a 32-year-old mum of two who’s worked hard since childhood, built a strong corporate career… and then had her world flipped upside down. A serious injury, two redundancies in one year, and some very big financial decisions, all happening at once.

But instead of playing it safe, she did something else.

She backed herself.

From launching a brand-new business (that’s already turning a profit), to buying a $400k property with 100 acres and a creek running through it, this is a story about resilience, strategy and redefining what financial success actually looks like.

We chat:

• What it’s really like to be made redundant… twice
• How she went from corporate marketing to launching her own business
• The reality of starting a business with young kids (and a lot on the line)
• Selling shares to fund big life goals
• Building wealth outside of the “traditional” Sydney property dream
• And the mindset shift from working hard… to working smart

This episode is equal parts practical and inspiring, and a reminder that sometimes the thing that feels like a setback… is actually the start of something much bigger.

If you’ve ever wondered “could I actually do something different?”… this one’s for you.

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.

GET VICTORIA'S BUDGETING SYSTEM: Master your money here.

NEW HERE?: Take our Money Personality Quiz and we will send you free resources based on how YOU actually manage money 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.

V is back in the studio (and yes… she brought Cami along for a very cute cam(i?)o because apparently she couldn’t stay away). If you hear any cute baby noises throughout the episode, this time it isn't Bec!

This week we’re getting into two questions that feel very “this could go really well… or really not.”

First up, a dilemma we know so many of you are quietly thinking about. Should you ever sell your shares to fund a house deposit? We break down when it might make sense, what you’re potentially giving up, and how to think about the trade-off between investing and getting into the property market.

Then, a DM from the community that had us all leaning in. Is buying an investment property with family a smart financial move… or a disaster waiting to happen?

We’re talking boundaries, expectations, legal structures and what can go wrong (because let’s be honest, money and family can get complicated very quickly).

It’s practical, a little bit spicy, and exactly the kind of conversation you want to have before you make a big financial decision.

NEW HERE?: Take our Money Personality Quiz and we will send you free resources based on how YOU actually manage money here.

Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here.

Join our 400K+ She's on the Money community in our Facebook Group and on Instagram.

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 - 451289

See omnystudio.com/listener for privacy information.

If you’ve been trying to make sense of what’s actually going on in the share market right now… this is your cheat sheet.

In this week’s Deep Dive, we’re getting into the investing trends that defined 2025. Where the money actually went, what investors were prioritising, and what it all says about how people were really feeling about their finances last year.

We’re talking:

• The ETF boom (and why everyone and their group chat is suddenly investing in them)
• The shift from “growth at all costs” to diversification, income and a little bit of caution
• What’s actually going on when people start moving into bonds, debt funds and so-called “defensive” assets
• The industries that quietly (and not so quietly) delivered huge returns… hello mining and precious metals
• And the standout stocks that had everyone talking, including one Aussie company that shot up over 300%

We also break it all down in plain English. No jargon, no gatekeeping, just a clear look at what’s changed and why it matters for you.

Because while it’s fun to look at the 300% and 500% returns (we love a bit of investing gossip), the real story of 2025 isn’t about picking the next winner. It’s about building something that can actually survive whatever comes next.

If you’ve ever wondered whether you’re “doing investing right”… or just want to understand what everyone else seems to be talking about, this one’s for you.

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.

SHARESIES CODE: Sign up for the investing platform Sharesies, use the code SOTM10 and deposit any amount and Sharesies will give you a bonus $10 to invest.

Join our She's on the Money community 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 - 451289.

See omnystudio.com/listener for privacy information.

If you think losing your job would set you back financially… this week’s Money Diary might change your mind.

In 2018, our diarist lost her corporate role and six-figure salary overnight. What followed wasn’t a scramble to replace it, but a decision to finally back herself and start the business she’d been putting off. What began as a one-woman operation in a granny flat is now a multi-million dollar business with a team of 20.

We chat about the leap, the reality behind the growth, and what it actually takes to build something from nothing. If you’ve ever thought “could I do that?”… this one’s for you.

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.

GET VICTORIA'S BUDGETING SYSTEM: Master your money here.

NEW HERE?: Take our Money Personality Quiz and we will send you free resources based on how YOU actually manage money 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.

See omnystudio.com/listener for privacy information.