She's On The Money

This week's Money Diary feels a little bit like proof that where you start doesn't have to determine where you end up. She grew up in a tiny village in Eastern Europe in the aftermath of communism, where family holidays weren't a thing, money was scarce, and the future often looked a lot like the past. But even as a kid, she couldn't stop wondering what was on the other side of the horizon.
At 16, she won a scholarship that changed everything. A few years later, she arrived in Australia with just $20 to her name, planning to stay for 12 months before heading back to university in the UK. Instead, she met the man who would become her husband after he quite literally washed up next to her on a beach.
Eighteen years later, they're raising two children on the Gold Coast, have turned a modest beach shack into a property worth around $1.7 million, and she's built a dog-sitting side hustle that's on track to bring in $40,000 this year alongside her part-time career. But what I loved most about this conversation wasn't the property story or even the side hustle.
It was the way she thinks about money.
From collecting bottles to teach her kids about saving, to creating flexibility around family life, to constantly finding creative ways to make money work harder, she's built a life that looks completely different to the one she grew up expecting.
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.

Your bestie just asked you to be their bridesmaid, which has you wondering: will you (or your friendship) ever financially recover from this?
Happy Friday Drinks to all who celebrate. In this week’s episode, Victoria and Jess cover the costs of being a bridesmaid in a distressed (but very relatable) DM. With nuptials on the menu, they also respond to a Money Dilemma which asks which money chats should we be having before getting engaged?
Before linking your life (and your finances) with your lover, what money stories, habits and convos need to be tabled and how do you have these chats when love and money are often at odds with each other?
As always, the gang will be bringing you Money Wins of the week, plus Broke Tips for making your budget that much happier come payday.
💬 Wanna be on the pod? Send us your Money Dilemma via voice note on our website.
📩 Got a question you’re dying to ask? Slide into our DMs.
⭐️ And, if you loved this episode, you know what to do.
Join our 400K+ She's on the Money community in our Facebook Group (🔍 ShesontheMoneyAUS) and follow us on Instagram @shesonthemoneyau 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 (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 - 451289
See omnystudio.com/listener for privacy information.

Skincare, makeup, and beauty treatments. When did they first pop up on our spending radar and why?
This week’s Deep Dive gets a little… deep. Bec and Jess discuss the cost of beauty standards: who sets them, sustains them, and how we might look at the whole topic with a raised (and sometimes fluffed) eyebrow.
Because, whether you overtly subscribe to them or not, beauty standards don’t just affect folks who love a trend, they have the tendency to impact our spending habits and perceptions of value, and even our self worth. And it’s not just women either, just consider the whole looksmaxxing thing.
Between the double standards, unrealistic expectations, and self-expression of it all, how have our perceptions around beauty shifted and what are we really buying into?
From body hair to full-coverage foundation and the rituals of getting ready, tune in if you’ve ever wondered what we really think about the price of pretty, how we’re feeling about ‘preventative’ measures, and which standards we’re willing to bin at our next earliest convenience.
Should we share what our community actually spends on beauty products? Let us know in the comments.
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FREEBIE: Get our free savings challenge resource here.
THOUGHTS? DISCUSS. 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
See omnystudio.com/listener for privacy information.

This week's Money Diary is proof that earning more money doesn't automatically make you feel secure. Growing up, she was constantly worried about money. Not because her family was struggling, but because she'd picked up on snippets of conversations and quietly convinced herself there was never enough.
So she did what a lot of us do. She worked hard. Really hard.
She got her first job at 14, worked multiple jobs through uni, saved obsessively and thought financial security would come from earning more. But after graduating and looking closely at her spending for the first time, she realised something surprising: the problem wasn't how much she earned. It was how little attention she was paying to where it was going.
Fast forward to today and she's investing in ETFs, saving around $2,000 a week, planning to buy her first property, and building wealth with far more confidence than she ever thought possible. This conversation is about scarcity mindset, the stories we inherit about money, and what happens when you finally stop being scared of 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.

They’re in the same role as you, have less experience and are somehow being paid more? A whopping $25k more. So, are you being underpaid or simply not asking for what you’re really worth?
On this week’s Friday Drinks, we’re covering career-coded Money Dilemmas. One person asks whether it’s ever worth it to stay in a job you love, even if it means taking longer to reach your money goals.
And someone’s being underpaid! Or are they? With a less-experienced colleague being paid more for the same role, this community member asks whether they’ve missed their moment to ask for a raise – or if they’re simply being underpaid by a whole $25k.
From knowing your worth to knowing your values, this episode is nothing to sniff at.
A big thankyou to the team at eBay for sponsoring this episode! To learn more about free selling, check out their website.
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
See omnystudio.com/listener for privacy information.