Lovers, we’re in a romance recession! :’[

Join Bec and Jess for a laid-back episode of Friday Drinks, featuring this week’s Money Wins and Broke Tips, plus a romantic Question of the Week (aww cute). While Victoria is away, these microphone mice will play, bringing you some casual yaps concerning community dilemmas and DMs. 

Starting off, they’ll be discussing a relationship-related dilemma concerning superannuation and permanent residency. Then they’ll be rounding out the ep with a very relatable experience concerning an investing practice. Raise your hand if your share portfolio has ever put you in a state of fight, flight or freeze? Tune in if you want to feel less alone and more prepared for the highs, lows and realities of investing. 

INVESTING CHEAT SHEET, INCOMING: Grab a copy of our investing cheat sheet over on our website shesonthemoney.com/download-resources.

WTF IS COMPOUND INTEREST? Learn all about what folks have described as the eighth world wonder by searching for ‘compound interest’ on the blog: shesonthemoney.com/blog

LOVE WINS: Whether you or your partner is pursuing a PR, learn all about your superannuation rights over at the ATO: https://www.ato.gov.au/individuals-and-families/coming-to-australia-or-going-overseas/coming-to-australia/returning-to-your-home-country
And https://www.ato.gov.au/individuals-and-families/super-for-individuals-and-families/super/temporary-residents-and-superannuation/departing-australia-superannuation-payment-dasp#ato-HowDASPistaxed

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

See omnystudio.com/listener for privacy information.

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

See omnystudio.com/listener for privacy information.

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

See omnystudio.com/listener for privacy information.

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

See omnystudio.com/listener for privacy information.

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

See omnystudio.com/listener for privacy information.

At 26, this week’s Money Diarist has nearly $40,000 invested, $46,000 in super and has just bought a six-bedroom home on 25 acres with her mum and younger brother.

There are horses. There are stables. There’s a riding arena. Honestly, she’s doing pretty well. But the interesting part of this story isn’t actually how much she’s managed to build. It’s how difficult it still feels to spend any of it. She grew up in a financially comfortable family until her parents separated when she was 10. Her father’s financial abuse left her mum working three jobs to keep life as normal as possible for her children. There were nights when there wasn’t enough money for dinner, but her mum somehow managed to turn those moments into childhood memories of going to friends’ houses for tea. As she got older and realised what had actually been happening, money became safety. Birthday money was hidden away for a rainy day. Unplanned purchases could send her spiralling with anxiety. And even now, with an emergency fund, investments and money specifically saved for something she needs, spending it can still feel incredibly uncomfortable.

Today she’s a paramedic earning around $90,000 base and almost $130,000 last year with penalties and overtime. She invests $400 a fortnight, salary sacrifices another $200 into super and has just taken on a $1.57 million mortgage with her mum and brother. She’s done an incredible job learning how to save and invest. Now she’s learning that sometimes being good with money also means giving yourself permission to actually enjoy it.

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

See omnystudio.com/listener for privacy information.

Love means adoring someone even if you don’t share the same hobbies (or vaping habits <3).

Welcome to another refreshing episode of Friday Drinks. This week, Victoria, Jess and Bec face taboo head-on. Namely, the gang speaks freely about what things they actually believe are overrated. (We’re lookin’ at you, QR codes.)

Come for the Broke Tips, stay for the Money Wins, and maybe linger awhile to learn more about risk profiles within the Sharesies platform. Hey, you might just learn something.

The crew also answers a dilemma about asking for a pay rise during mat leave. We promise, it’s deeper than that. Tune in if you’ve ever felt some type of way about your replacement earning more than you, even when they’re doing the business a solid. 

NEGOTIATING YOUR PAY? Here’s a blog that’s all about how to ask for a pay rise. Search ‘pay rise’ at shesonthemoney.com/blog.

LEARN MORE ABOUT SHARESIES: Here’s how to find the right risk profile for you on Sharesies https://sharesies.com.au/learn/what-is-risk-anyway.

ATTN, STATS LOVERS: Here’s an interesting read by the ANU’s Global institute for women’s leadership: https://giwl.anu.edu.au/our-research/impact-motherhood-womens-career-progression 

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

See omnystudio.com/listener for privacy information.

Earlier this year, SpaceX went public inspiring a suite of headlines and causing a stock market stir. If those words went right over your head, dw Victoria’s here to help break it down for you.

Join us for a special solo episode of Deep Dive, where V will walk you through why IPOs are in the media, what they are, and how to do your own research if you’re thinking about buying into one. 

From the importance of reviewing documentation to what the hell a prospectus is, Victoria explains why the SpaceX IPO is a sign of the times, before the next big announcement shakes-up the investing industry.

Tune in if you’re keen to invest in OpenAi and Anthropic, or to simply have an opinion about the folks behind ChatGPT and Claude before their listings hit the watercooler in FY27.

INTERESTED IN IPO-CHAT? Tune into earlier episodes covering the topic of Initial Public Offerings, P/B, and P/E ratios over at https://open.spotify.com/episode/4z0bnzFbz4xXeClPiSFkvx?si=T9Cs-QmqSmSqhQJ2lOEEKw 

https://open.spotify.com/episode/1Qd1mkaUlZaW41Z047HOv0?si=yQ00aniRS-iGNGaebdniuQ 

GET MONEY NEWS IN YOUR INBOX: Wanna hear about market goss and the next IPO drops as they happen? Sign up for our newsletter and get fresh updates delivered straight to your inbox, here: https://www.shesonthemoney.com/sotm-newsletter-signup 

LEARN TO INVEST: Tap into our resources for investing over here: https://www.shesonthemoney.com/investing

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

See omnystudio.com/listener for privacy information.

Growing up, this week’s Money Diarist knew there was no money. She’s a First Nations woman who grew up surrounded by domestic violence, gambling, alcoholism and financial hardship. At nine, she escaped with her mum and brother, quite literally leaving with a backpack and hiding until it was safe to come home. She watched her mum rebuild from absolutely nothing. But while that showed her incredible resilience, it didn’t magically teach her how to manage money. She started working at 14 and spent every dollar she earned. At 19 she became pregnant, at 20 she became a mum, and by 22 she was raising her son alone and studying nursing, determined that life could look different. It wasn’t an overnight transformation. There were years of living paycheck to paycheck, impulsive spending and high-interest loans. Even when she and her now-husband both started earning more, they realised something pretty confronting: more money hadn’t actually changed their financial position. So they changed their habits instead. Now she earns just under $150,000 in nursing leadership, has completed her master’s, has gone from five debts to two in the space of a year, is preparing to build her family’s first home and has started investing for all three of her children. Because they’re small. But her children are growing up talking about investing, saving, bills and what things actually cost. Things she was never taught herself.

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

See omnystudio.com/listener for privacy information.

What do you mean someone wants to jeopardise your First Home Buyers eligibility without some sort of equity in return?!

This week’s Friday Drinks is filled with diabolical dilemmas and chats concerning guarantorships, LMCT petrol stations, and *checks notes* if kids should be Airtagged?

Join Victoria, Bec and Jess for car-heavy Broke Tips, Money Wins and a bunch of solid podcast rec’s. True crime, anyone?

ASK AN EXPERT: Chat to a professional mortgage broker about your eligibility for various grants, before signing anything. The Zella team is here and ready to help at https://www.zella.com.au/book-consultation/

PETROL SPY: Make like Bec and find the cheapest fuel in your area over here https://petrolspy.com.au/map 

TRUE CRIME GIRLIES, RISE UP: Seeking another pod to binge? Here are some of the pods V mentioned in this episode Morbid, Two Girls One Ghost, Serialously 

https://open.spotify.com/show/1cpyLfDHP1cNnyOb478qrt?si=f844f0f9712e4467 

https://open.spotify.com/show/4aFNuODLKP1NvhQb7P3Kbn?si=718e11e8703a4b19

https://open.spotify.com/show/6HdheEH8WeMTHoe5da34qU?si=2aed06b37c754689 

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

See omnystudio.com/listener for privacy information.

Some of us want to buy a house. Some of us wanna retire early. Some of us want a little more coin on the other side of our retirement. No matter what your financial goals are, here are our very best tips for making $100k by the time you turn 35. 

Join Victoria and Bec on the Deep Dive couch as they discuss how to tackle this goal in three parts: earning, spending and managing your money. Plus, some things you can do to ensure that there aren’t any leaks in your budget, or in your ongoing income.

And if you happen to be on the other side of 35 already, these solid money habits are still worth considering to amplify your wealth in the long run.

UNHINGED WAYS TO EARN: Take us back. Tune into Jess and Bec’s episodes on unhinged hacks for saving a little extra coin over here and here, or search Unhinged savings hacks wherever you get your podcasts.

BROOKE’S FIRE PLAN: Stream it and see if it might work for you over on our Youtube channel: youtube.com/watch?v=NsuXtMcFLM8 

GET THAT BAG: Asking for a pay rise? Here are some tips to help you have the chat over on our blog, search payrise at shesonthemoney.com/blog

EXTRA SHIFTS COMIN’ RIGHT UP: Earn a little extra on the side with the Supp platform over at suppapp.com/ 

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.

See omnystudio.com/listener for privacy information.