This year wasn’t just a rollercoaster—it was the whole theme park. Whether you crushed your goals or just barely held it together, you’re not alone. In this episode, Victoria Devine gets real about the wins, the losses, and everything in between, sharing how to make 2025 your year to thrive.

We’re breaking down simple, actionable ways to reflect on your year without the guilt, celebrate the progress you’ve made (even if it feels small), and set yourself up to absolutely nail your goals next year. So, if 2024 felt like a blur, this is the reset you didn’t know you needed. Hit play now!

As our Chrissie gift to you, we’re helping you start 2025 on the right foot! Sign up for our FREE 30-Day Reset to refresh your finances with easy tips, free goodies, and step-by-step guidance sent straight to your inbox. Click here to sign up. 

Acknowledgement of Country By Natarsha 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.

See omnystudio.com/listener for privacy information.

What would you do if you lost your job, went through a breakup, and moved back in with your parents—all at once? This week’s Money Diarist didn’t just survive—she thrived. With some serious grit and a creative spark, she built a side hustle that didn’t just pay the bills—it allowed her to wipe out her HECS debt in one swoop. Want to know how she turned a tough situation into a major financial win? Press play to find out!

Acknowledgement of Country By Natarsha 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.

See omnystudio.com/listener for privacy information.

We got the scoop from a million-dollar MLM insider—and it’s juicier than you think. In this special episode, Victoria chats with Emily Lynn Paulson, a real-life MLM millionaire who had it all—until she decided to expose the truth. From the shiny promises of freedom and community to the shocking reality at the top, Emily reveals how MLMs prey on women and keep them hooked. She reached the peak of the pyramid, and now she’s here to tear it all down. Don’t miss the insider secrets the MLM industry doesn’t want you to hear! 

Learn more about Emily Lynn Paulson and her book Hey, Hun: Sales, Sisterhood, Supremacy, and the Other Lies Behind Multilevel Marketing here.

Acknowledgement of Country By Natarsha 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.

See omnystudio.com/listener for privacy information.

You’ve survived the year, and secretly dreaming of a little extra something in your paycheck. But then—no Christmas bonus in sight. Is it a sign you’re undervalued at work, or just the way things are these days? This week, the V, Jess and Bec dive into the great Christmas bonus debate: are they a must-have to feel appreciated, or just a festive myth.

We’re also dishing out some festive cheer with budget-friendly hacks to save on decorations and gifts—because who knew tinsel could cost so much?! Plus, we’ve got your back for those awkward holiday chats, like when your mates side-eye your investment choices. Hit play for some laughs, life lessons, and a whole lot of holiday spirit as we help you stay merry and money-smart this season. 

Acknowledgement of Country By Natarsha 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.

See omnystudio.com/listener for privacy information.

Managing people can feel like a maze—whether you’re running a business, managing a team, or just trying to survive office politics. In this Business Bible episode, we’re cutting through the noise and giving you practical, no-nonsense tips for managing people like a pro. From building a team culture to mastering feedback, and creating clear HR policies (that actually work), this episode is packed with advice to help you navigate the workplace with confidence. And don’t worry—it’s not just for business owners; these tips are universal, so whether you’re hiring your first employee or leveling up in your career, we’ve got you covered.

Acknowledgement of Country By Natarsha 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.

See omnystudio.com/listener for privacy information.

Twins in a pandemic? Talk about a curveball. This week’s Money Diarist faced double the costs with none of the extra support, but she found a way to turn her finances around. Now, she’s sharing how she paid off debt, started investing, and built a budget that works—even with two four-year-olds running around! Curious how she did it? Hit play to find out.

Acknowledgement of Country By Natarsha 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.

See omnystudio.com/listener for privacy information.

What do a $6,500 water machine, misleading promises of financial freedom, and a whole lot of pseudoscience have in common? This week, Victoria dives deep into one of the most predatory MLM schemes yet—unpacking how high-pressure sales tactics and debt traps leave people drowning, not thriving. From bogus health claims to a compensation plan so confusing it’s practically a trap, this episode pulls back the curtain on how these schemes exploit vulnerability and sell dreams that often turn into financial nightmares.

Whether you’ve been curious about the “magic” of Kangen water or just love a good MLM takedown, this episode will fire you up with facts, expose the truth, and empower you to spot the red flags before they reel you in. Don’t miss this deep dive into the dark side of "too good to be true." Tune in now!

Acknowledgement of Country By Natarsha 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.

See omnystudio.com/listener for privacy information.

This week’s episode has everything: baking tips, big financial decisions, and a whole lot of laughs. From Victoria’s breakdown of a sky-high interest car loan to a partner splurging on a second ute (and now eyeing a boat) to the the all-too-relatable Christmas gift stress and offer ideas for navigating the holiday season without overspending or losing your sanity. Whether you’re here for practical advice, broke tips, or just a festive laugh, this episode has something for everyone. Hit play to join the chaos and walk away a little wiser!

Anne That English Cleaner Lady! Tik Tok

Pecan pie cookie recipe. 

Acknowledgement of Country By Natarsha 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.

See omnystudio.com/listener for privacy information.

It’s the most wonderful time of the year… to make some extra cash! This week, we’re unwrapping creative ways to boost your bank balance while embracing the festive cheer. From turning your clutter into cash to capitalising on last-minute holiday errands, we’re sharing practical, fun, and totally doable ways to make the most of the silly season. Whether you’re funding gifts or prepping for the New Year, these tips will help you hustle with holiday spirit and a little extra jingle in your pocket. Hit play to sleigh your budget!

Acknowledgement of Country By Natarsha 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.

See omnystudio.com/listener for privacy information.

What if your side hustle could cover your bills, tackle your debt, and send you off on your dream holiday? This week’s Money Diarist shows us exactly how they made it happen. With financial stress, and a serious case of wanderlust, they looked at what they had and unlocked a clever side hustle that changed everything. This episode is packed with juicy insights, practical tips, and some seriously relatable moments. Whether you’re looking to crush your debt, save smarter, or just dream a little bigger, this one’s for you.

Acknowledgement of Country By Natarsha 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.

See omnystudio.com/listener for privacy information.

Do you ever feel like Christmas has become all about spending big and stressing out? This week, we’re rethinking what makes the festive season truly magical. From heartfelt traditions to finding joy in the little things, we’re sharing how to create a meaningful holiday without blowing the budget.

Victoria opens up about her first Christmas as a new mum and the moments that matter most, reminding us that it’s not about what you buy—it’s about what you cherish. Tune in for inspiration, feel-good vibes, and a reminder that the best holiday memories come free of charge.

Acknowledgement of Country By Natarsha 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.

See omnystudio.com/listener for privacy information.