The biggest money glow-ups rarely come from one big decision. They come from the small changes you stack without realising how much they’re adding up. So this episode is all about the small, low-effort money habits that have made our community richer. We talk about the tiny switches that stop impulse spending, the boring admin that pays you back, and the systems that run in the background so you don’t have to. If you like the idea of “lazy girl finance” but still want real results, this one’s for you.

In this ep: 
💰Why “low effort” doesn’t mean low impact when it comes to money
💰A five-minute money decision with a big ROI
💰Which clever banking feature our community swear by to stop impulse spending
💰How a once-a-year bill review cuts costs (without changing providers multiple times)
💰Why short no-spend resets stick when long challenges don’t

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

The biggest money glow-ups rarely come from one big decision. They come from the small changes you stack without realising how much they&rsquo;re adding up. So this episode is all about the small, low-effort money habits that have made our community richer. We talk about the tiny switches that stop impulse spending, the boring admin that pays you back, and the systems that run in the background so you don&rsquo;t have to. If you like the idea of &ldquo;lazy girl finance&rdquo; but still want real results, this one&rsquo;s for you. In this ep: 💰Why &ldquo;low effort&rdquo; doesn&rsquo;t mean low impact when it comes to money 💰A five-minute money decision with a big ROI 💰Which clever banking feature our community swear by to stop impulse spending 💰How a once-a-year bill review cuts costs (without changing providers multiple times) 💰Why short no-spend resets stick when long challenges don&rsquo;t 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

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

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

The Small Habits That Quietly Made Us Richer

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/415aa4f2-18e5-4b91-9023-b3e6005bf2aa/transcript