Unexpected savings in the bagging area. Tune into this week’s Deep Dive episode to hear how to spend smarter during challenging economic times.

Join Bec and Victoria for a juicy episode dedicated to saving money on your grocery shop. Together, they’ll be providing us with some context to explain why things are so expensive RN, and how much things used to cost a decade ago. The gang will also be sharing how our everyday costs are impacted by economic factors like wages, inflation, supply chain disruptions and CPI.

Come for actionable tips for saving money at the checkout, stay to finally find out the price of eggs.

FAMILY GROCERIES COST HOW MUCH? Check out our article on how much Aussie families are spending on groceries (and how to save) by searching ‘grocery’ on the blog: www.shesonthemoney.com/blog/family-grocery-costs-and-tips 

AN ENDLESS SOURCE OF MONEY WINS & BROKE TIPS? Say no more. Join the She’s on the Money Facebook Group to tap into the hive mind’s suggestions and thrifty tips at https://www.facebook.com/groups/ShesontheMoneyAUS

JOIN SHOPBACK: Join Shopback and save on stuff you buy everyday at www.shopback.com.au 

New here? Follow us on Instagram (@shesonthemoneyaus) for Q&As, bite-sized advice, daily money inspo... and relatable money memes that just get you. 

Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements (queenacknowledgements.com)

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

Unexpected savings in the bagging area. Tune into this week&rsquo;s Deep Dive episode to hear how to spend smarter during challenging economic times.
Join Bec and Victoria for a juicy episode dedicated to saving money on your grocery shop. Together, they&rsquo;ll be providing us with some context to explain why things are so expensive RN, and how much things used to cost a decade ago. The gang will also be sharing how our everyday costs are impacted by economic factors like wages, inflation, supply chain disruptions and CPI.
Come for actionable tips for saving money at the checkout, stay to finally find out the price of eggs.
FAMILY GROCERIES COST HOW MUCH? Check out our article on how much Aussie families are spending on groceries (and how to save) by searching &lsquo;grocery&rsquo; on the blog: www.shesonthemoney.com/blog/family-grocery-costs-and-tips&nbsp;
AN ENDLESS SOURCE OF MONEY WINS &amp; BROKE TIPS? Say no more. Join the She&rsquo;s on the Money Facebook Group to tap into the hive mind&rsquo;s suggestions and thrifty tips at https://www.facebook.com/groups/ShesontheMoneyAUS
JOIN SHOPBACK: Join Shopback and save on stuff you buy everyday at www.shopback.com.au&nbsp;
New here? Follow us on Instagram (@shesonthemoneyaus) for Q&amp;As, bite-sized advice, daily money inspo... and relatable money memes that just get you.&nbsp;
Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements (queenacknowledgements.com)
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, &nbsp;AFSL - 4451289

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.

How I Spend Smarter: Grocery Edition

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/7b620cbd-7a12-40a2-b50c-b4c9001aff96/transcript

At 19, this week’s Money Diarist bought her first home. It was a very unglamorous $135,000 unit that she lovingly describes as looking like a retirement village. But while her friends were buying cars and spending their money elsewhere, she and her then-boyfriend decided property was the priority. And it changed what came next. They travelled. Lived overseas. Came home. Bought their family home. Went through IVF. Had their beautiful son. Survived a redundancy. Spent years with her husband working away while she essentially solo parented. And through all of it, they kept doing something remarkably unsexy but incredibly effective: living below their means. No flashy cars. No keeping up with the Joneses. No consumer debt. Then, at 41, her husband looked at their offset account and realised something. They didn’t owe anything on their mortgage anymore. Now they’re 42, completely debt-free and earning around $265,000 as a household. She owns part of the marketing agency she works in, they travel regularly and they finally have serious capacity to build wealth. There’s just one tiny problem. They’re terrified of getting it wrong. They’ve spent more than two decades becoming exceptionally good savers. Now they need to work out how to become investors. And I think this is the part of being “good with money” we don’t talk about enough. Because eventually, saving can only take you so far.

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

At 19, this week&rsquo;s Money Diarist bought her first home.&nbsp;It was a very unglamorous $135,000 unit that she lovingly describes as looking like a retirement village. But while her friends were buying cars and spending their money elsewhere, she and her then-boyfriend decided property was the priority.&nbsp;And it changed what came next.&nbsp;They travelled. Lived overseas. Came home. Bought their family home. Went through IVF. Had their beautiful son. Survived a redundancy. Spent years with her husband working away while she essentially solo parented. And through all of it, they kept doing something remarkably unsexy but incredibly effective: living below their means.&nbsp;No flashy cars. No keeping up with the Joneses. No consumer debt.&nbsp;Then, at 41, her husband looked at their offset account and realised something.&nbsp;They didn&rsquo;t owe anything on their mortgage anymore.&nbsp;Now they&rsquo;re 42, completely debt-free and earning around $265,000 as a household. She owns part of the marketing agency she works in, they travel regularly and they finally have serious capacity to build wealth.&nbsp;There&rsquo;s just one tiny problem.&nbsp;They&rsquo;re terrified of getting it wrong.&nbsp;They&rsquo;ve spent more than two decades becoming exceptionally good savers. Now they need to work out how to become investors.&nbsp;And I think this is the part of being &ldquo;good with money&rdquo; we don&rsquo;t talk about enough. Because eventually, saving can only take you so far.
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&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; CHECK OUT THE SOTM INVESTING HUB: Full of our best investing freebies, resources, courses and podcast episodes <a href="https://www.shesonthemoney.com/investing">here</a>. INVESTING FOR BEGINNERS: All our best beginner's investing podcast episodes in one place<a href="https://open.spotify.com/playlist/4vugnzBSU7V0CIU7zkeiN3?si=f557a59764ba433f"> here</a>. 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

She Did Everything ‘Right’ With Money. Now She Feels Completely Stuck.

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/2e86a5bd-3a04-4d75-9748-b4c70066707d/transcript

Riddle me this: why are people pleasers framed as the problem? Surely, we should be turning our focus back onto the boundary-pushers!

This week on Friday Drinks, we’re coming in hot. Join Victoria, Jess and Bec to discuss the community’s best Money Wins, Broke Tips, and a Question of the Week that starts off bookish, but quickly gets… wild? You’ll have to hear it to believe it. 

The gang also covers this week’s community dilemmas concerning Capital Gains Tax (CGT) on your primary residence, and a rather juicy DM from a bride-to-be who wants to know who actually has a say in her wedding plans. Fiscal and familial drama ensues. 

WEDDING BUDGET: Here’s a link to V’s wedding spreadsheet to help you budget for yours, shesonthemoney.com/download-resources

CHAT TO AN EXPERT: The key to making better financial decisions? Surround yourself with experts, like our team of mortgage brokers at Zella. Book at consultation at www.zella.com.au/book-consultation/ 

MYGOV’S CAPITAL GAINS TAX CALCULATOR: A handy tool that could be useful in your investments
www.ato.gov.au/calculators-and-tools/capital-gains-tax-record-keeping-tool#ato-Gotothetool 

New here? Follow us on Instagram (@shesonthemoneyaus) for Q&As, bite-sized advice, daily money inspo... and relatable money memes that just get you. 

Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements (queenacknowledgements.com)

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

Riddle me this: why are people pleasers framed as the problem? Surely, we should be turning our focus back onto the boundary-pushers!
This week on Friday Drinks, we&rsquo;re coming in hot. Join Victoria, Jess and Bec to discuss the community&rsquo;s best Money Wins, Broke Tips, and a Question of the Week that starts off bookish, but quickly gets&hellip; wild? You&rsquo;ll have to hear it to believe it.&nbsp;
The gang also covers this week&rsquo;s community dilemmas concerning Capital Gains Tax (CGT) on your primary residence, and a rather juicy DM from a bride-to-be who wants to know who actually has a say in her wedding plans. Fiscal and familial drama ensues.&nbsp;
WEDDING BUDGET: Here&rsquo;s a link to V&rsquo;s <a href="https://www.shesonthemoney.com/download-resources">wedding spreadsheet</a> to help you budget for yours, <a href="http://shesonthemoney.com/download-resources">shesonthemoney.com/download-resources</a>
CHAT TO AN EXPERT: The key to making better financial decisions? Surround yourself with experts, like our team of mortgage brokers at <a href="https://www.zella.com.au/about-us/">Zella</a>. Book at consultation at <a href="https://www.zella.com.au/book-consultation/">www.zella.com.au/book-consultation/</a>&nbsp;
MYGOV&rsquo;S CAPITAL GAINS TAX CALCULATOR: A handy <a href="https://www.ato.gov.au/calculators-and-tools/capital-gains-tax-record-keeping-tool#ato-Gotothetool">tool</a> that could be useful in your investments <a href="https://www.ato.gov.au/calculators-and-tools/capital-gains-tax-record-keeping-tool#ato-Gotothetool">www.ato.gov.au/calculators-and-tools/capital-gains-tax-record-keeping-tool#ato-Gotothetool</a>&nbsp;
New here? Follow us on Instagram (@shesonthemoneyaus) for Q&amp;As, bite-sized advice, daily money inspo... and relatable money memes that just get you.&nbsp;
Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements (queenacknowledgements.com)
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,&nbsp; AFSL - 4451289

My Wedding Plans Are A People Pleaser’s Nightmare 

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/420ae151-4471-40b2-a168-b4c000b86685/transcript

Credit cards. Personal loans. Buy Now, Pay Later. Australians are in debt in a big way. But, there’s always a way out. 

This Deep Dive is dedicated to helping you or someone you know eliminate debt and learn how to avoid it for good… and, all on a low income. Join Victoria for a special solo episode to firstly, shed the shame around borrowing money (by learning just how much everyone else has borrowed), then hear how to navigate your way out of debt using proven cashflow and budgeting tactics for low income earners. 

We’ll cover why people get into debt in the first place, the dark design of repayments, and end on a few examples to demonstrate how you might escape debt for good. Get ready for the bounceback, ‘cause the recovery is real and always within reach.

PAY IT DOWN: Here’s a playlist dedicated to the art of paying down debt https://open.spotify.com/playlist/02sw2NObvt18jd0ayvIHn3?si=qOdbgLrBS3STvMzELWiAqg

PERVE ON OTHER PEOPLE’S DEBT: Learn how much credit card debt other Aussies actually have by searching ‘debt’ on the blog: www.shesonthemoney.com/blog

CONTACT THE NATIONAL DEBT HELPLINE: Visit the National Debt Helpline at ndh.org.au/financial-counselling/what-is-financial-counselling/ for free, confidential, and independent support for getting out of debt, gang. 

New here? Follow us on Instagram (@shesonthemoneyaus) for Q&As, bite-sized advice, daily money inspo... and relatable money memes that just get you. 

Acknowledgement of Country By Nartarsha Bamblett (nartarshabamblett.com.au)

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

Credit cards. Personal loans. Buy Now, Pay Later. Australians are in debt in a big way. But, there&rsquo;s always a way out. This Deep Dive is dedicated to helping you or someone you know eliminate debt and learn how to avoid it for good&hellip; and, all on a low income. Join Victoria for a special solo episode to firstly, shed the shame around borrowing money (by learning just how much everyone else has borrowed), then hear how to navigate your way out of debt using proven cashflow and budgeting tactics for low income earners.&nbsp;
We&rsquo;ll cover why people get into debt in the first place, the dark design of repayments, and end on a few examples to demonstrate how you might escape debt for good. Get ready for the bounceback, &lsquo;cause the recovery is real and always within reach.
PAY IT DOWN: Here&rsquo;s a <a href="https://open.spotify.com/playlist/02sw2NObvt18jd0ayvIHn3?si=qOdbgLrBS3STvMzELWiAqg">playlist</a> dedicated to the art of paying down debt <a href="https://open.spotify.com/playlist/02sw2NObvt18jd0ayvIHn3?si=qOdbgLrBS3STvMzELWiAqg">https://open.spotify.com/playlist/02sw2NObvt18jd0ayvIHn3?si=qOdbgLrBS3STvMzELWiAqg</a>
PERVE ON OTHER PEOPLE&rsquo;S DEBT: Learn <a href="https://www.shesonthemoney.com/blog/community-credit-card-debt">how much credit card debt other Aussies actually have</a> by searching &lsquo;debt&rsquo; on the blog: <a href="https://www.shesonthemoney.com/blog">www.shesonthemoney.com/blog</a>
CONTACT THE NATIONAL DEBT HELPLINE: Visit the <a href="https://ndh.org.au/financial-counselling/what-is-financial-counselling/">National Debt Helpline</a> at <a href="https://ndh.org.au/financial-counselling/what-is-financial-counselling/">ndh.org.au/financial-counselling/what-is-financial-counselling/</a> for free, confidential, and independent support for getting out of debt, gang.&nbsp;
New here? Follow us on Instagram (@shesonthemoneyaus) for Q&amp;As, bite-sized advice, daily money inspo... and relatable money memes that just get you.&nbsp;
Acknowledgement of Country By Nartarsha Bamblett (<a href="http://nartarshabamblett.com.au">nartarshabamblett.com.au</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. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708,&nbsp; AFSL - 4451289

How To Pay Off Debt On a Low Income

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/8a47b709-a7a8-4efc-964b-b4c000b9fff3/transcript

How I Spend Smarter: Grocery Edition

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