WELCOME TO THE FIRST EPISODE OF 2022!!!! This week on the show we speak to a money diarist who's always been able to save when she needed to but didn't have any long term savings, now life is changing and IVF is on the horizon her money story has had to change to move forward.

This year our Money Diaries are being brought to you by the legends at Shopback! Check them out at https://app.shopback.com/aus/partner/SOTM and you'll get a cashback bonus when you sign up!

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.

WELCOME TO THE FIRST EPISODE OF 2022!!!! This week on the show we speak to a money diarist who's always been able to save when she needed to but didn't have any long term savings, now life is changing and IVF is on the horizon her money story has had to change to move forward.This year our Money Diaries are being brought to you by the legends at Shopback! Check them out at <a href="https://app.shopback.com/aus/partner/SOTM">https://app.shopback.com/aus/partner/SOTM</a> and you'll get a cashback bonus when you sign up!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’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.

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

She's On The Money

Millennial money expert Victoria Devine shares her foolproof tips for financial freedom.

MONEY DIARIES: Changing savings habits to create more opportunity

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/fcb34b37-7212-4783-953f-af46004d4d63/transcript

So who should actually pay on a date, and what are you meant to do when the bill arrives and someone suddenly gets a bit weird about it. This week’s Friday Drinks tackles a DM from someone newly back in the dating world who’s trying to work out whether she’s being too picky, or whether she’s just finally noticing the stuff she used to brush past, like the keeping score, the silence that feels like a test, and the little gold digger jokes that aren’t really jokes. We talk through what’s a fair preference, what’s an early warning sign, and how to be clear about your money values without turning dinner into a negotiation, and we asked the community what they think is normal early on because honestly the answers are revealing. We're also talking bridging loans, which always sound simple until you’re the one trying to buy before you sell and you realise how much of it comes down to timing, pressure, and having a plan if things don’t happen as quickly as you hoped. Victoria breaks down what they actually are, when they can make sense, and where the risk really sits, and as always we’ve got community money wins and broke tips that are both useful and unhinged at the same time. 

THE BEST SOTM FREEBIES:Your 2026 Fresh Start: Free Money Tools You’ll Love

Need the team’s take on your money dilemma? Send us a voicemail here.
Or if it's more of a spicy money drama and you want the communities verdict? Slide into our DMs 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.

So who should actually pay on a date, and what are you meant to do when the bill arrives and someone suddenly gets a bit weird about it.&nbsp;This week&rsquo;s Friday Drinks tackles a DM from someone newly back in the dating world who&rsquo;s trying to work out whether she&rsquo;s being too picky, or whether she&rsquo;s just finally noticing the stuff she used to brush past, like the keeping score, the silence that feels like a test, and the little gold digger jokes that aren&rsquo;t really jokes. We talk through what&rsquo;s a fair preference, what&rsquo;s an early warning sign, and how to be clear about your money values without turning dinner into a negotiation, and we asked the community what they think is normal early on because honestly the answers are revealing.&nbsp;We're also talking bridging loans, which always sound simple until you&rsquo;re the one trying to buy before you sell and you realise how much of it comes down to timing, pressure, and having a plan if things don&rsquo;t happen as quickly as you hoped. Victoria breaks down what they actually are, when they can make sense, and where the risk really sits, and as always we&rsquo;ve got community money wins and broke tips that are both useful and unhinged at the same time.&nbsp;
THE BEST SOTM FREEBIES: <a href="https://www.shesonthemoney.com/blog/free-finance-resources">Your 2026 Fresh Start: Free Money Tools You&rsquo;ll Love</a>
Need the team&rsquo;s take on your money dilemma? Send us a voicemail&nbsp;<a href="https://www.shesonthemoney.com/podcast">here</a>. Or if it's more of a spicy money drama and you want the communities verdict? Slide into our DMs <a href="https://www.instagram.com/shesonthemoneyaus?utm_source=ig_web_button_share_sheet&amp;igsh=ZDNlZDc0MzIxNw==">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.

Is a Bridging Loan Worth the Risk? And The Dating Money Red Flags We Can’t Ignore

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/5e8d4947-d33d-490f-9ed4-b3d10176dc6c/transcript

If buying a home feels harder (and way more confusing) than it did a year ago, no, you’re not imagining it. The rules have changed, the competition has changed, and suddenly everyone is talking about 5% deposits like they’re either your golden ticket or the end of the world. Lucky for us, mortgage queen Jaclyn Walsh is here to break down what’s actually going on in the property market heading into 2026. We unpack the headline changes everyone’s yelling about, what they mean in real life, and Jac’s inside scoop on how banks are really assessing and approving loans right now. Plus we answer the biggest property finance questions straight from our community. This episode is all about putting yourself in the strongest possible position to buy, without spiralling, second-guessing every move, or making rushed decisions you regret later.

In this ep: 
🏡 Why buying with five percent feels easier and more stressful at the same time
🏡 What banks have changed behind the scenes… and why it matters to you
🏡 The mistake first home buyers are making before they even start looking
🏡 How to buy without panic-bidding, overcommitting, or regretting it later
🏡 Why Victoria isn’t racing to pay off her mortgage (on purpose)
🏡 Hacks that shave years and thousands off your mortgage


For all your mortgage and refinancing needs, you can contact Zella here.

MORE EPISODES WITH JAC: Want to Buy Property in 2025? Here's How to Get Prepared
Can Refinancing Really Save You Thousands?

EVEN MORE PROPERTY EPISODES: Our full property playlist is here. 

FREEBIE: Get our She's on the Money Mortgage rate calculator 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 - 451289.

If buying a home feels harder (and way more confusing) than it did a year ago, no, you&rsquo;re not imagining it. The rules have changed, the competition has changed, and suddenly everyone is talking about 5% deposits like they&rsquo;re either your golden ticket or the end of the world. Lucky for us, mortgage queen Jaclyn Walsh is here to break down what&rsquo;s actually going on in the property market heading into 2026. We unpack the headline changes everyone&rsquo;s yelling about, what they mean in real life, and Jac&rsquo;s inside scoop on how banks are really assessing and approving loans right now. Plus we answer the biggest property finance questions straight from our community.&nbsp;This episode is all about putting yourself in the strongest possible position to buy, without spiralling, second-guessing every move, or making rushed decisions you regret later. In this ep:&nbsp; 🏡 Why buying with five percent feels easier and more stressful at the same time 🏡 What banks have changed behind the scenes&hellip; and why it matters to you 🏡 The mistake first home buyers are making before they even start looking 🏡 How to buy without panic-bidding, overcommitting, or regretting it later 🏡 Why Victoria isn&rsquo;t racing to pay off her mortgage (on purpose) 🏡 Hacks that shave years and thousands off your mortgage
 For all your mortgage and refinancing needs, you can contact Zella <a href="https://www.zella.com.au/">here</a>. MORE EPISODES WITH JAC: <a href="https://open.spotify.com/episode/23OLp90m0ebnw8HrmumRZC?si=6d8a9b04b6374a6f">Want to Buy Property in 2025? Here's How to Get Prepared</a> <a href="https://open.spotify.com/episode/65kXgYBQiMfB0b1Kk8mTIs?si=4db98036a28a4955">Can Refinancing Really Save You Thousands?</a> EVEN MORE PROPERTY EPISODES: Our full property playlist is <a href="https://open.spotify.com/playlist/4FkIQbMEHzPvELTNRzoBlQ?si=e053329fbf8649b4">here</a>.&nbsp; FREEBIE: Get our She's on the Money Mortgage rate calculator <a href="https://www.shesonthemoney.com.au/subscribe-for-resources">here</a>. Join our&nbsp;<a href="https://www.facebook.com/groups/ShesontheMoneyAUS/" data-stringify-link="https://www.facebook.com/groups/ShesontheMoneyAUS/" data-sk="tooltip_parent" data-auth="NotApplicable">Facebook Group</a>&nbsp;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&nbsp;<a href="https://www.instagram.com/shesonthemoneyaus/" data-stringify-link="https://www.instagram.com/shesonthemoneyaus/" data-sk="tooltip_parent" data-auth="NotApplicable">Instagram</a>&nbsp;for Q&amp;As, bite-sized tips, daily money inspo... and relatable money memes that&nbsp;just&nbsp;get you. Acknowledgement of Country By Nartarsha Bamblett aka&nbsp;<a href="https://www.queenacknowledgements.com/" data-stringify-link="https://www.queenacknowledgements.com/" data-sk="tooltip_parent" data-auth="NotApplicable">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. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289.

How to Buy Property in 2026: Everything You Need to Know Before Getting a Mortgage

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/ad889eb1-f1b0-46e5-82ab-b3d10070f425/transcript

If you’ve ever told yourself investing is something you’ll get to later, when you have more money, more brain space, or a slightly more put-together life… this episode is about to ruin all of those excuses in the best way. Today, the one and only Bec Syed has volunteered to jump into the Investing Diaries seat so we can get pervy on her first year as an investor (and yes, it’s exactly as Bec-coded as you’d expect). She walks us through how she went from not really understanding what investing even was, to building an almost $1,500 investment portfolio in the background of her very normal, but very chaotic life. (Yep, we're so proud of her too!) We get into what it actually looks like to invest when you don’t have heaps of spare cash, why round-ups and automation are a game changer, and how seeing tiny wins along the way completely changed how money feels. In her lovable Bec way she's honest about the confusion, the questionable decisions, the accidental wins, and the fact that she still very much learning as she goes. It’s proof that you don't have to have it all figured out when it comes to investing, you just need to start. And if Bec can do it… honestly, so can you.

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 sttanding referal patnership with Skye Wealth and only ever partner with people we trust. 

SHARESIES CODE: Sign up to Sharesies, deposit any amount and get a bonus $10 to invest, T&Cs apply.

VISIT OUR INVESTING HUB: You'll find all our investing freebies, resources, courses & podcast playlists here.

FREE MONEY TOOLS YOU'LL LOVE: All our best free resources in the 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 - 451289.

If you&rsquo;ve ever told yourself investing is something you&rsquo;ll get to later, when you have more money, more brain space, or a slightly more put-together life&hellip; this episode is about to ruin all of those excuses in the best way. Today, the one and only Bec Syed has volunteered to jump into the Investing Diaries seat so we can get pervy on her first year as an investor (and yes, it&rsquo;s exactly as Bec-coded as you&rsquo;d expect). She walks us through how she went from not really understanding what investing even was, to building an almost $1,500 investment portfolio in the background of her very normal, but very chaotic life. (Yep, we're so proud of her too!)&nbsp;We get into what it actually looks like to invest when you don&rsquo;t have heaps of spare cash, why round-ups and automation are a game changer, and how seeing tiny wins along the way completely changed how money feels. In her lovable Bec way she's honest about the confusion, the questionable decisions, the accidental wins, and the fact that she still very much learning as she goes. It&rsquo;s proof that you don't have to have it all figured out when it comes to investing, you just need to start. And if Bec can do it&hellip; honestly, so can you.
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://www.skye.com.au/shesonthemoney">here</a>. We have a long sttanding referal patnership with Skye Wealth and only ever partner with people we trust.&nbsp;
SHARESIES CODE: Sign up to <a href="https://sharesies.com.au/">Sharesies</a>, deposit any amount and get a bonus $10 to invest, T&amp;Cs apply. VISIT OUR INVESTING HUB: You'll find all our investing freebies, resources, courses &amp; podcast playlists <a href="https://www.shesonthemoney.com/investing">here</a>. FREE MONEY TOOLS YOU'LL LOVE: All our best free resources in the one place <a href="https://www.shesonthemoney.com/blog/free-finance-resources">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 - 451289.

Bec's Investing Confessions: Her First Year in the Share Market

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/94761664-8c7c-461b-9ea4-b3cd0005a82e/transcript

MONEY DIARIES: Changing savings habits to create more opportunity

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