Our Money Diarist this week has been through a crazy life at the young age of 19! After becoming homeless to escape a toxic home life, she has shown exactly where drive and motivation can take you when you put your mind to it.

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.

Our Money Diarist this week has been through a crazy life at the young age of 19! After becoming homeless to escape a toxic home life, she has shown exactly where drive and motivation can take you when you put your mind to it.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.

MONEY DIARIES: Financially Free at 19

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/1886d903-9c88-48ec-a8cc-af460053195f/transcript

The dentist can be spenny, but necessary. So what happens when you can’t afford an appointment? And what if your treatment is kinda important or worse… urgent?

This week on Friday Drinks, we discuss a Money Dilemma that questions whether we can ever really afford to miss health-related appointments when we’re in debt.

We also answer a DM that’s all about diversification and whether buying diversified ETFs is enough. If you’ve been afraid to ask the question or considering how to diversify your portfolio, this episode’s for you. 

New here? Join our Facebook Group (Search for: ShesontheMoneyAUS) AKA our zero-judgement support network for money tips. Ask questions, share rec’s, and celebrate your wins with a like-minded community of 300,000+.

And 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

The dentist can be spenny, but necessary. So what happens when you can&rsquo;t afford an appointment? And what if your treatment is kinda important or worse&hellip; urgent?
This week on Friday Drinks, we discuss a Money Dilemma that questions whether we can ever really afford to miss health-related appointments when we&rsquo;re in debt.
We also answer a DM that&rsquo;s all about diversification and whether buying diversified ETFs is enough. If you&rsquo;ve been afraid to ask the question or considering how to diversify your portfolio, this episode&rsquo;s for you.&nbsp;
New here? Join our Facebook Group (Search for: ShesontheMoneyAUS) AKA our zero-judgement support network for money tips. Ask questions, share rec&rsquo;s, and celebrate your wins with a like-minded community of 300,000+.
And 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

Nothing To Smile About: When Debt Costs You Dental Visits

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/99cf9c3b-afb2-4e1c-9904-b44e00affe1a/transcript

Spoiler: ETFs aren’t that deep. So why are so many of us (okay, you) still so intimidated by them when it comes to investing? On this week’s Deep Dive, Bec and Victoria cover the acronym that’s causing a stir in our comments section. 

Exchange Traded Funds or ETFs are just one of the ways that many Aussies are investing, and for good reason too. They’re a bundle of shares that give you some healthy exposure to a range of companies, industries and asset classes that you mightn't have otherwise. 

In this episode, we’ll cover what ETFs are, how they work, and why they’re such a compelling investment option. Thanks to our episode partners Sharesies, we’ll show you how to get started on their platform, as well as which ETFs have risen in popularity in recent times (and why!).

From percentages to performance, common mistakes and money tips, learn how to make your money work harder for you with ETFs.

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.

SHARESIES CODE: Sign up for the investing platform Sharesies, use the code SOTM10 and deposit any amount and Sharesies will give you a bonus $10 to invest. 

NEW HERE? Join our Facebook Group (Search for: ShesontheMoneyAUS) 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 @shesonthemoneyaus 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

Spoiler: ETFs aren&rsquo;t that deep. So why are so many of us (okay, you) still so intimidated by them when it comes to investing? On this week&rsquo;s Deep Dive, Bec and Victoria cover the acronym that&rsquo;s causing a stir in our comments section.&nbsp;
Exchange Traded Funds or ETFs are just one of the ways that many Aussies are investing, and for good reason too. They&rsquo;re a bundle of shares that give you some healthy exposure to a range of companies, industries and asset classes that you mightn't have otherwise.&nbsp;
In this episode, we&rsquo;ll cover what ETFs are, how they work, and why they&rsquo;re such a compelling investment option. Thanks to our episode partners Sharesies, we&rsquo;ll show you how to get started on their platform, as well as which ETFs have risen in popularity in recent times (and why!).
From percentages to performance, common mistakes and money tips, learn how to make your money work harder for you with ETFs.
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">here</a>.
SHARESIES CODE: Sign up for the investing platform <a href="https://sharesies.com.au/">Sharesies</a>, use the code SOTM10 and deposit any amount and Sharesies will give you a bonus $10 to invest.&nbsp;
NEW HERE? Join our Facebook Group (Search for: <a href="https://www.facebook.com/groups/ShesontheMoneyAUS">ShesontheMoneyAUS</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 Instagram <a href="https://www.instagram.com/shesonthemoneyaus/">@shesonthemoneyaus</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 <a href="https://www.nartarshabamblett.com.au/offerings/queen-acknowledgements">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, &nbsp;AFSL - 4451289

ETFs Explained: Everything You Need to Know Before You Buy Your First One

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/6a4d7897-9f43-4b37-b9ec-b44800bfea83/transcript

This week’s Money Diary is one of those “wait… this is actually so relatable” conversations. She’s a newly admitted lawyer who spent years living paycheck to paycheck while studying, prioritising travel over investing and genuinely having no idea what an ETF even was.

Fast forward a few years and life suddenly got very expensive, very quickly.

An apartment. A wedding. A honeymoon. Another holiday. A puppy. Moving costs. Furniture. And somewhere in the middle of all of that, she and her husband had the slightly nauseating realisation that they’d spent hundreds of thousands of dollars in a year… without really stopping to think about where any of it was actually going. And honestly? I think a lot of people will see themselves in this one. We talk about the pressure to buy property because everyone else is doing it, the reality of owning an apartment with brutal body corporate fees, lifestyle creep, ADHD hyper-fixation becoming an unexpected budgeting superpower, and what happened when she finally sat down and looked at her finances properly.

Now she’s investing 40% of her income, building a portfolio she actually understands, and rethinking what financial security is supposed to look like in the first place. This one feels a little bit like a group chat with your financially self-aware friends. Slightly chaotic. Slightly confronting. But in the best way.

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

This week&rsquo;s Money Diary is one of those &ldquo;wait&hellip; this is actually so relatable&rdquo; conversations.&nbsp;She&rsquo;s a newly admitted lawyer who spent years living paycheck to paycheck while studying, prioritising travel over investing and genuinely having no idea what an ETF even was.
Fast forward a few years and life suddenly got very expensive, very quickly.
An apartment. A wedding. A honeymoon. Another holiday. A puppy. Moving costs. Furniture. And somewhere in the middle of all of that, she and her husband had the slightly nauseating realisation that they&rsquo;d spent hundreds of thousands of dollars in a year&hellip; without really stopping to think about where any of it was actually going.&nbsp;And honestly? I think a lot of people will see themselves in this one.&nbsp;We talk about the pressure to buy property because everyone else is doing it, the reality of owning an apartment with brutal body corporate fees, lifestyle creep, ADHD hyper-fixation becoming an unexpected budgeting superpower, and what happened when she finally sat down and looked at her finances properly.
Now she&rsquo;s investing 40% of her income, building a portfolio she actually understands, and rethinking what financial security is supposed to look like in the first place.&nbsp;This one feels a little bit like a group chat with your financially self-aware friends. Slightly chaotic. Slightly confronting. But in the best way.
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

She Spent Hundreds of Thousands in 12 Months… Then Realised She Had No Idea Where Her Money Was Going

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/1ad0ccaf-46a3-41c2-9f19-b44a018aad7f/transcript

MONEY DIARIES: Financially Free at 19

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