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. 🎧

 

Buying a property? Need Financial Advice? Time to sort the Will?Let us help connect you with an awesome woman in finance! https://directory.ladiesfinanceclub.com/


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Join thousands of Australian women getting savvy with their finances -subscribe to the Ladies Finance Club newsletter for the latest money hacks, expert advice, and exclusive event invites! Sign up here at https://www.ladiesfinanceclub.com/newsletter25

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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.

[See omnystudio.com/listener for privacy information.]

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:
<ul>
<li aria-level="1">Why smart, capable women end up in serious debt and why it has nothing to do with poor spending habits</li>
<li aria-level="1">How shame and secrecy make debt worse, and what to do instead</li>
<li aria-level="1">What a financial counsellor actually does (and why it costs you absolutely nothing)</li>
<li aria-level="1">The signs it's time to stop Googling and just make the call</li>
<li aria-level="1">What can realistically be negotiated with banks and creditors on your behalf</li>
<li aria-level="1">Why bankruptcy is rarely the answer and what the alternatives are</li>
<li aria-level="1">How the debt snowball method works and when it makes sense to use it</li>
<li aria-level="1">What debt collectors can and can't legally do to you in Australia</li>
<li aria-level="1">Government grants and emergency relief payments you might not know you're entitled to</li>
<li aria-level="1">How to rebuild your financial confidence after clearing debt, for good</li>
</ul>
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. 🎧
&nbsp;
<a href="https://directory.ladiesfinanceclub.com/">Buying a property? Need Financial Advice? Time to sort the Will?Let us help connect you with an awesome woman in finance! </a><a href="https://directory.ladiesfinanceclub.com/">https://directory.ladiesfinanceclub.com/</a> 
💌 Want more money tips straight to your inbox? Join thousands of Australian women getting savvy with their finances -subscribe to the Ladies Finance Club newsletter for the latest money hacks, expert advice, and exclusive event invites!<a href="https://www.ladiesfinanceclub.com/newsletter25"> Sign up here at https://www.ladiesfinanceclub.com/newsletter25</a>
Are we friends on Instagram? <a href="https://www.instagram.com/ladiesfinanceclub">Follow us here at https://www.instagram.com/ladiesfinanceclub</a>
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.
[See omnystudio.com/listener for privacy information.]

Welcome to Get Rich by Ladies Finance Club - the personal finance podcast that helps women do just that: get rich and stay rich. Hosted by Molly Benjamin, founder of the award-winning Ladies Finance Club and a reformed hot financial mess, this is where smart, ambitious women come to take control of their finances, grow their wealth, and level up their money game.  

We make personal finance fun, fearless, and totally doable no matter where you're starting from. No confusing jargon, no guilt trips - just high-impact, simple money strategies that anyone can start using right away.  

Whether you’re saving for a home deposit, creating a budget that actually works, investing in property or the sharemarket, growing your income, or finally figuring out superannuation, this podcast has you covered.   Hit subscribe and let’s get rich (and stay rich) together.

Welcome to Get Rich by <a href="https://instagram.com/ladiesfinanceclub">Ladies Finance Club</a> - the personal finance podcast that helps women do just that: get rich and stay rich. Hosted by Molly Benjamin, founder of the award-winning Ladies Finance Club and a reformed hot financial mess, this is where smart, ambitious women come to take control of their finances, grow their wealth, and level up their money game. &nbsp;
We make personal finance fun, fearless, and totally doable no matter where you're starting from. No confusing jargon, no guilt trips - just high-impact, simple money strategies that anyone can start using right away. &nbsp;
Whether you&rsquo;re saving for a home deposit, creating a budget that actually works, investing in property or the sharemarket, growing your income, or finally figuring out superannuation, this podcast has you covered. &nbsp; Hit subscribe and let&rsquo;s get rich (and stay rich) together.

Ladies Finance Club - Get Rich 

Welcome to Get Rich by Ladies Finance Club- the personal finance podcast that helps women do just that: get rich and stay rich.

Hosted by Molly Benjamin, founder of the award-winning Ladies Finance Club and a reformed hot financial mess, this is where smart, ambitious women come to take control of their finances, grow their wealth, and level up their money game.  

We make personal finance fun, fearless, and totally doable no matter where you're starting from. No confusing jargon, no guilt trips - just high-impact, simple money strategies that anyone can start using right away.  

Whether you’re saving for a home deposit, creating a budget that actually works, investing in property or the sharemarket, growing your income, or finally figuring out superannuation, this podcast has you covered.  

Hit subscribe and let’s get rich (and stay rich) together.

Welcome to Get Rich by Ladies Finance Club- the personal finance podcast that helps women do just that: get rich and stay rich.
Hosted by Molly Benjamin, founder of the award-winning Ladies Finance Club and a reformed hot financial mess, this is where smart, ambitious women come to take control of their finances, grow their wealth, and level up their money game. &nbsp;
We make personal finance fun, fearless, and totally doable no matter where you're starting from. No confusing jargon, no guilt trips - just high-impact, simple money strategies that anyone can start using right away. &nbsp;
Whether you&rsquo;re saving for a home deposit, creating a budget that actually works, investing in property or the sharemarket, growing your income, or finally figuring out superannuation, this podcast has you covered. &nbsp;
Hit subscribe and let&rsquo;s get rich (and stay rich) together.