Happy Saturday Angels - and happy bonus episode day!! We have a special treat for you, our friends at UBank have been very generous to us (and to you guys!), so we'd love to give you a bit more of an insight to their company. Victoria and Toni are joined by Philippa Watson, UBank CEO to chat all things life, career, and of course, finance! Hope you love it x

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. Victoria Devine is an Authorised Representative of Australia Pacific Funds Management Proprietary Limited ABN 34 132 463 257 - AFSL 339151.

Happy Saturday Angels - and happy bonus episode day!! We have a special treat for you, our friends at UBank have been very generous to us (and to you guys!), so we'd love to give you a bit more of an insight to their company. Victoria and Toni are joined by Philippa Watson, UBank CEO to chat all things life, career, and of course, finance! Hope you love it xThe 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. Victoria Devine is an Authorised Representative of Australia Pacific Funds Management Proprietary Limited ABN 34 132 463 257 - AFSL 339151.

Australia’s #1 finance podcast. Ready to take control of your money without the stress (or boring lectures)? This is the show for you. Hosted by award-winning financial expert and your ultimate money hype girl, Victoria Devine, SOTM makes personal finance relatable, empowering, and yes actually fun. Join a community of 400,000+ smashing their financial goals, from buying their first property to learning to invest, levelling up their careers, or tackling budgeting, saving and debt all without giving up their morning latte. From Deep Dives into the topics you care about, to pervy looks at real-life Money Diaries or cheeky Friday Drinks money talk with the girls, Victoria and her team make finance feel like your group chat, just way better for your bank balance. 

It's honest, relatable and non-judgmental talk about personal finance, investing, real estate, career and business... with a big dose of fun.  

Australia&rsquo;s #1 finance podcast. Ready to take control of your money without the stress (or boring lectures)? This is the show for you. Hosted by award-winning financial expert and your ultimate money hype girl, Victoria Devine, SOTM makes personal finance relatable, empowering, and yes actually fun. Join a community of 400,000+ smashing their financial goals, from buying their first property to learning to invest, levelling up their careers, or tackling budgeting, saving and debt all without giving up their morning latte. From Deep Dives into the topics you care about, to pervy looks at real-life Money Diaries or cheeky Friday Drinks money talk with the girls, Victoria and her team make finance feel like your group chat, just way better for your bank balance.&nbsp;
It's honest, relatable and non-judgmental talk about personal finance, investing, real estate, career and business... with a big dose of fun.&nbsp;&nbsp;

Empowering you to take control of your finances, one relatable, brunch-worthy chat at a time.

She's On The Money

Australia’s #1 finance podcast. Ready to take control of your money without the stress (or boring lectures)? This is the show for you. Hosted by award-winning financial expert and your ultimate money hype girl, Victoria Devine, SOTM makes personal finance relatable, empowering, and yes actually fun. Join a community of 400,000+ smashing their financial goals, from buying their first property to learning to invest, levelling up their careers, or tackling budgeting, saving and debt all without giving up their morning latte. From Deep Dives into the topics you care about, to pervy looks at real-life Money Diaries or cheeky Friday Drinks money talk with the girls, Victoria and her team make finance feel like your group chat, just way better for your bank balance. 

It's honest, relatable and non-judgmental talk about personal finance, investing, real estate, career and business... with a big dose of fun.

Australia&rsquo;s #1 finance podcast. Ready to take control of your money without the stress (or boring lectures)? This is the show for you. Hosted by award-winning financial expert and your ultimate money hype girl, Victoria Devine, SOTM makes personal finance relatable, empowering, and yes actually fun. Join a community of 400,000+ smashing their financial goals, from buying their first property to learning to invest, levelling up their careers, or tackling budgeting, saving and debt all without giving up their morning latte. From Deep Dives into the topics you care about, to pervy looks at real-life Money Diaries or cheeky Friday Drinks money talk with the girls, Victoria and her team make finance feel like your group chat, just way better for your bank balance.&nbsp;
It's honest, relatable and non-judgmental talk about personal finance, investing, real estate, career and business... with a big dose of fun.

BONUS EP: UBank CEO Philippa Watson

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/905071b2-e22e-4e77-97a9-af460053243b/transcript

You know that moment where you  see your HECS balance, and immediately reconsider every life choice you made at 18? This week we’re unpacking that HECS regret spiral. We chat through what banks actually care about (and what they don’t), whether HECS is really the villain in your home ownership story, and when paying extra off it is a smart move versus just an anxiety-driven one. Then we slide into a workplace dilemma that starts off generous and slowly gets… uncomfortable. It opens up a much bigger conversation about money boundaries, being the “nice” one, and how easily financial habits between people can get blurry if you don’t reset them early. Plus we've got all your money wins, your broke tips, and the usual Friday chaos.

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.

You know that moment where you&nbsp; see your HECS balance, and immediately reconsider every life choice you made at 18? This week we&rsquo;re unpacking that HECS regret spiral. We chat through what banks actually care about (and what they don&rsquo;t), whether HECS is really the villain in your home ownership story, and when paying extra off it is a smart move versus just an anxiety-driven one. Then we slide into a workplace dilemma that starts off generous and slowly gets&hellip; uncomfortable. It opens up a much bigger conversation about money boundaries, being the &ldquo;nice&rdquo; one, and how easily financial habits between people can get blurry if you don&rsquo;t reset them early. Plus we've got all your money wins, your broke tips, and the usual Friday chaos. NEW HERE?: Take our Money Personality Quiz and we will send you free resources based on how YOU actually manage money <a href="https://www.shesonthemoney.com/money-personality-quiz?mcp_token=eyJwaWQiOjE3NDE2MTksInNpZCI6MTExMzUwNDI1NCwiYXgiOiIwMTk3OGM1ODNlOTEzYmViMTAxMWY1YjFlMWY5MjNjOCIsInRzIjoxNzcwMDk3MjE4LCJleHAiOjE3NzI1MTY0MTh9.Be_IO9rYt0BR6_EhDLebVOC4ZFkgugLU5SshgEWM2nc">here</a>.&nbsp;
Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. <a href="https://open.spotify.com/playlist/2XuYW23Cy9Gh1HdAqj6LwL?si=55725bce84b44cf8">Listen here</a>.
Join our 400K+ She's on the Money community in our <a href="https://www.facebook.com/groups/ShesontheMoneyAUS/">Facebook Group</a> and on <a href="https://www.instagram.com/shesonthemoneyaus/">Instagram</a>.&nbsp;
Acknowledgement of Country By Nartarsha Bamblett aka <a href="https://www.queenacknowledgements.com/">Queen Acknowledgements.</a>
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.&nbsp; Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708,&nbsp; AFSL - 451289.

Does Your HECS debt Really Matter? How to Set Money Boundaries at Work

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/c1cf0bf2-01c5-4fdc-8bba-b3f5015b9d60/transcript

Being single isn’t a money downgrade… it’s just a different rulebook. One where you’re covering the full cost of life, making every decision solo, and are somehow expected to hold it all together. So this ep is all about ditching the idea that life (and finances) only get easier once you’re partnered, and giving you the tools to build something solid, confident, and completely your own so you thrive in your single era and beyond. 

Inside this ep:
💅Why a man is not a financial plan
💅How to reset your budget for solo living
💅Smarter ways to handle “the singles tax”    
💅Financial planning that actually works on one salary and real life
💅The mindset shift that turns being single into financial advantage

FURTHER LISTENING: How Much Super Do You Really Need

MORE SINGLE MONEY INSPO:Our single finances playlist

FREEBIE: Download Chelsea’s $10 meal plan

INVESTING CODE MENTIONED: Sign up to Sharesies, use our code SOTM10, deposit any amount and get $10 to invest. T&Cs apply. 

SORT YOUR INSURANCES: With Skye Wealth here. We have a long standing referral partnership with Skye Wealth and only ever partner with people we trust. 

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

Being single isn&rsquo;t a money downgrade&hellip; it&rsquo;s just a different rulebook. One where you&rsquo;re covering the full cost of life, making every decision solo, and are somehow expected to hold it all together. So this ep is all about ditching the idea that life (and finances) only get easier once you&rsquo;re partnered, and giving you the tools to build something solid, confident, and completely your own so you thrive in your single era and beyond.&nbsp;
Inside this ep: 💅Why a man is not a financial plan 💅How to reset your budget for solo living 💅Smarter ways to handle &ldquo;the singles tax&rdquo;&nbsp; &nbsp; 💅Financial planning that actually works on one salary and real life 💅The mindset shift that turns being single into financial advantage FURTHER LISTENING: <a href="https://open.spotify.com/episode/1RmillTfNQb1UWEHf7QKN9?si=af7d46050beb4973">How Much Super Do You Really Need </a>MORE SINGLE MONEY INSPO: <a href="https://open.spotify.com/playlist/1C8BvZ8o4D7sHUDo1PYDqP?si=87b746c4ad1c49bd">Our single finances playlist </a>FREEBIE: Download <a href="https://www.shesonthemoney.com/download-resources">Chelsea&rsquo;s $10 meal plan </a>INVESTING CODE MENTIONED: Sign up to <a href="https://sharesies.com.au/">Sharesies</a>, use our code SOTM10, deposit any amount and get $10 to invest. T&amp;Cs apply. SORT YOUR INSURANCES: With Skye Wealth <a href="https://bit.ly/4k3sM0d">here</a>. We have a long standing referral partnership with Skye Wealth and only ever partner with people we trust.&nbsp;
Join our <a href="http://word/fontTable.xml">Facebook Group</a> 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 <a href="http://word/theme/theme1.xml">Instagram</a> for Q&amp;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

Nailing Your Finances in Your Single Era (and Beyond)

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/b19705fc-4414-4bee-9f5b-b3ef0055722b/transcript

Ever looked at house prices and thought that could never be me? This week’s Money Diarist had that exact moment. She was newly married, with $50 in the bank after the honeymoon, watching Sydney property prices climb while they were still trying to get ahead. So instead of accepting their fate as “forever renters,” they made a decision most people talk about, but don’t actually follow through on... they packed up and moved to a regional town. It meant leaving behind friends and family, and starting again in a place where they didn’t know anyone. And no, it wasn’t instant success. There were setbacks, second guesses, and plenty of moments where they wondered if they’d made a huge mistake. If you’ve ever felt locked out of home ownership, this one might just shift your entire perspective.

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.

Ever looked at house prices and thought that could never be me?&nbsp;This week&rsquo;s Money Diarist had that exact moment. She was newly married, with $50 in the bank after the honeymoon, watching Sydney property prices climb while they were still trying to get ahead. So instead of accepting their fate as &ldquo;forever renters,&rdquo; they made a decision most people talk about, but don&rsquo;t actually follow through on... they packed up and moved to a regional town. It meant leaving behind friends and family, and starting again in a place where they didn&rsquo;t know anyone. And no, it wasn&rsquo;t instant success. There were setbacks, second guesses, and plenty of moments where they wondered if they&rsquo;d made a huge mistake. If you&rsquo;ve ever felt locked out of home ownership, this one might just shift your entire perspective.
SORT YOUR INSURANCE:&nbsp;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&nbsp;<a href="https://bit.ly/4k3sM0d">here</a>.We have a long standing referral partnership with Skye Wealth and only ever partner with people we trust.&nbsp; GET VICTORIA'S BUDGETING SYSTEM: Master your money&nbsp;<a href="https://www.shesonthemoney.com/the-money-masterclass">here.</a> NEW HERE?:&nbsp;Take our Money Personality Quiz and we will send you free resources based on how YOU actually manage money <a href="https://www.shesonthemoney.com/money-personality-quiz?mcp_token=eyJwaWQiOjE3NDE2MTksInNpZCI6MTExMzUwNDI1NCwiYXgiOiIwMTk3OGM1ODNlOTEzYmViMTAxMWY1YjFlMWY5MjNjOCIsInRzIjoxNzcwMDk3MjE4LCJleHAiOjE3NzI1MTY0MTh9.Be_IO9rYt0BR6_EhDLebVOC4ZFkgugLU5SshgEWM2nc">here</a>.&nbsp; Ready to binge more relatable, inspiring, and downright juicy money stories? Check out our ultimate Money Diaries playlist. <a href="https://open.spotify.com/playlist/7qaEnq5V4eWeYr2VmC3F6R?si=b6543c418c2c4c8a">Listen now</a>
Join our <a href="https://www.facebook.com/groups/ShesontheMoneyAUS/">Facebook Group</a> AKA&nbsp;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 <a href="https://www.instagram.com/shesonthemoneyaus/">Instagram</a> for Q&amp;As, bite-sized&nbsp;tips, daily money inspo... and relatable money memes that just get you.&nbsp;
Acknowledgement of Country By Nartarsha Bamblett aka <a href="https://www.queenacknowledgements.com/">Queen Acknowledgements.</a>
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.&nbsp; Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708,&nbsp; AFSL - 4451289.

The Move That Made Homeownership Possible 

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/6148f846-cd7f-43bf-a7b4-b3ef00554e5b/transcript

BONUS EP: UBank CEO Philippa Watson

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