Happy Friday friends! This week V has been pretty riled up about Afterpay's new collaboration with Westpac, and we discuss Life Insurance Exclusions that shouldn't be happening.

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 Friday friends! This week V has been pretty riled up about Afterpay's new collaboration with Westpac, and we discuss Life Insurance Exclusions that shouldn't be happening.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

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.

FRIDAY DRINKS: Afterpay Money and Insurance Exclusions

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/ef56baf8-068d-475c-9e77-af460050f8d5/transcript

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

It&rsquo;s a Jess and Bec takeover this week (while V is still on mat leave&hellip; but don&rsquo;t worry, she&rsquo;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&hellip; and is there actually a way to negotiate it down? We unpack what your options might look like, what&rsquo;s realistic, and where to even start.
And then a DM slid into our inbox that had us thinking about the long game. What&rsquo;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&rsquo;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&rsquo;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 <a href="https://www.theinvestingmasterclass.com/">here</a>.&nbsp; MORE CAREER EPISODES: Our <a href="https://open.spotify.com/playlist/6lTImZeKooy5gJDfvhmGed?si=866ee5b39db344ee">How to Build a Successful Career</a> podcast playist
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

Debt That Got Out of Control… Can You Fix It?

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/affb1e15-5341-4ebc-8637-b41900a76b42/transcript

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

If you&rsquo;ve ever looked at your bank account after booking a holiday and thought&hellip; &ldquo;well, that was financially irresponsible&rdquo; &mdash; this episode is for you.
In this week&rsquo;s Deep Dive, we&rsquo;re talking all things travel and money. Because yes, you absolutely deserve to see the world&hellip; but ideally without coming home to financial chaos.
We&rsquo;re breaking down the smartest (and slightly underrated) ways to save money on travel without sacrificing the experience. Think less &ldquo;skip the holiday&rdquo; and more &ldquo;travel smarter, not poorer.&rdquo;
We chat:
<ul data-start="822" data-end="1493">
<li data-section-id="1gh033p" data-start="822" data-end="910">How to find the cheapest time to travel (and why timing matters more than you think)</li>
<li data-section-id="1yildbu" data-start="911" data-end="977">The flight booking tricks that can literally save you hundreds</li>
<li data-section-id="170fu46" data-start="978" data-end="1053">Why where you book your flights from can change the price (yes, really)</li>
<li data-section-id="fmt2xx" data-start="1054" data-end="1122">The &ldquo;Goldilocks window&rdquo; for booking flights so you don&rsquo;t overpay</li>
<li data-section-id="1g17mfz" data-start="1123" data-end="1189">How to rebook hotels when prices drop and lock in better deals</li>
<li data-section-id="1p5n2z0" data-start="1190" data-end="1265">The apps and tools that can score you discounted meals while travelling</li>
<li data-section-id="1yla3ei" data-start="1266" data-end="1327">How to avoid sneaky international fees and currency traps</li>
<li data-section-id="xhxc8h" data-start="1328" data-end="1411">Budget accommodation hacks that aren&rsquo;t grim (including a genius uni dorm trick)</li>
<li data-section-id="pvq76w" data-start="1412" data-end="1493">And the small, realistic habits that can save you hundreds over a single trip</li>
</ul>
Because travel isn&rsquo;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&hellip; and your game plan to do it in a way your future self will thank you for.
POINTS HACKING EPISODE: <a href="https://open.spotify.com/episode/1DzjyJgEKbMVi4wScS73QD?si=39ea91ac5d9a4543">Points Hacking (No Credit Card Required)</a> MORE SAVINGS HACKS EPISODES: <a href="https://open.spotify.com/episode/22BmMpkc2xswD0wFmWTF7e?si=69613d7a8e674367">I&rsquo;m Bored. Give Me Your Most Unhinged Savings Hacks </a>FREEBIE: Get our free savings challenge resource <a href="https://www.shesonthemoney.com/download-resources">here</a>.&nbsp; 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;
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

Travel Savings Hacks That Feel Illegal (But Aren’t)

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/94308700-b0c3-4794-9278-b41900a3a336/transcript

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

If you think being made redundant would completely derail your finances&hellip; this week&rsquo;s Money Diary might change your mind.
Our diarist is a 32-year-old mum of two who&rsquo;s worked hard since childhood, built a strong corporate career&hellip; 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&rsquo;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:
<ul data-start="1036" data-end="1415">
<li data-section-id="18bbgal" data-start="1036" data-end="1089">What it&rsquo;s really like to be made redundant&hellip; twice</li>
<li data-section-id="suaoja" data-start="1090" data-end="1161">How she went from corporate marketing to launching her own business</li>
<li data-section-id="1cl2dee" data-start="1162" data-end="1240">The reality of starting a business with young kids (and a lot on the line)</li>
<li data-section-id="103t13y" data-start="1241" data-end="1282">Selling shares to fund big life goals</li>
<li data-section-id="c0sxra" data-start="1283" data-end="1353">Building wealth outside of the &ldquo;traditional&rdquo; Sydney property dream</li>
<li data-section-id="1d70cpn" data-start="1354" data-end="1415">And the mindset shift from working hard&hellip; to working smart</li>
</ul>
This episode is equal parts practical and inspiring, and a reminder that sometimes the thing that feels like a setback&hellip; is actually the start of something much bigger.
If you&rsquo;ve ever wondered &ldquo;could I actually do something different?&rdquo;&hellip; this one&rsquo;s for you.
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

Made Redundant Twice… And Built a Profitable Business Anyway

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/8c7045e8-e158-434d-8775-b41900a19a2c/transcript

FRIDAY DRINKS: Afterpay Money and Insurance Exclusions

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