What do you do when debt feels like it's swallowing you whole and you're too ashamed to tell anyone?

Molly is back hosting Get Rich this week, sitting down with Kristen Hartnett, a financial counsellor from the Salvation Army's MoneyCare service, to talk about something so many Australian women are quietly going through right now, debt. Whether it's credit cards, buy now pay later, a car loan that's gotten away from you, or just the creeping anxiety of cost of living hitting harder than ever, this episode is a must-listen.

And here's the thing - there is a free, professional, non-judgmental service available to every single Australian, and most of us have no idea it exists. Until now.

In this episode, you'll learn:

• Why smart, capable women end up in serious debt and why it has nothing to do with poor spending habits
• How shame and secrecy make debt worse, and what to do instead
• What a financial counsellor actually does (and why it costs you absolutely nothing)
• The signs it's time to stop Googling and just make the call
• What can realistically be negotiated with banks and creditors on your behalf
• Why bankruptcy is rarely the answer and what the alternatives are
• How the debt snowball method works and when it makes sense to use it
• What debt collectors can and can't legally do to you in Australia
• Government grants and emergency relief payments you might not know you're entitled to
• How to rebuild your financial confidence after clearing debt, for good

Perfect for: Australian women feeling the pressure of cost of living, anyone quietly struggling with debt, and women who just want to know their options before things get worse.

The biggest takeaway from this episode? You are not alone, you are not a failure, and there is free help waiting for you right now. 🎧

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The advice shared by Ladies Finance Club is general in nature and does not consider your individual circumstances. Our content is for educational purposes only and should not be relied upon to make financial decisions. If you are considering purchasing a financial product, read the PDS and TMD and seek financial advice tailored to your personal needs. Molly Benjamin and Ladies Finance Club Pty Ltd are authorised representatives of Wattle Partners Pty Ltd, AFSL 383169.

Ladies Finance Club acknowledges the Traditional Owners of the Land on which this podcast was recorded, the Gadigal people of the Eora Nation. We pay our respects to their Elders past and present and extend that respect to all Aboriginal and Torres Strait Islander peoples.

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