What happens when you hit rock bottom with money… and decide to completely turn your life around?

In this week’s Money Diary, we meet a She’s on the Money community member who left home at just 16, became a young single mum, and found herself living below the poverty line with no financial literacy, mounting debt and her power literally being cut off.

Fast forward to today… she’s built a career in banking, earns $95,000 a year, owns her home, has repaired her credit score and is now investing for her future.

This is a story about resilience, rebuilding and what it really looks like to go from financial chaos to financial confidence.

Plus, we talk budgeting, credit cards, investing strategies and how to take control of your money even when you feel completely overwhelmed.

If you’ve ever felt behind, ashamed of your money situation, or unsure where to start… this episode will remind you that it’s never too late to turn things around.

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.

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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+.

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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.

It’s a Jess and Bec takeover this week (while V is still on mat leave… but don’t worry, she’s back very soon 👀).

We kick things off with Jess sharing her money wins, because we love a little financial main character energy to start the episode.

Then we get into a dilemma that feels a bit too real. What do you do when a debt has snowballed way beyond what you originally owed… and is there actually a way to negotiate it down? We unpack what your options might look like, what’s realistic, and where to even start.

And then a DM slid into our inbox that had us thinking about the long game. What’s the best way to set your kids up financially? We chat through the different approaches, what actually makes a difference, and how to balance giving your kids a leg up without overcomplicating it.

Plus, we read out one of your five-star reviews (which we are obsessed with, by the way). If you’ve been loving the show, you can leave us a review on Apple Podcasts or drop your thoughts on Spotify, we genuinely read them all and love sharing them with the community.

As always, it’s a little bit chaotic, very real, and full of the money conversations we should probably be having more often.

WANT OUR NETWORTH TRACKER: It's part of our Investing Masterclass here.

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Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here.

Join our 400K+ She's on the Money community in our Facebook Group and on Instagram.

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 - 451289

See omnystudio.com/listener for privacy information.

If you’ve ever looked at your bank account after booking a holiday and thought… “well, that was financially irresponsible” — this episode is for you.

In this week’s Deep Dive, we’re talking all things travel and money. Because yes, you absolutely deserve to see the world… but ideally without coming home to financial chaos.

We’re breaking down the smartest (and slightly underrated) ways to save money on travel without sacrificing the experience. Think less “skip the holiday” and more “travel smarter, not poorer.”

We chat:

• How to find the cheapest time to travel (and why timing matters more than you think)
• The flight booking tricks that can literally save you hundreds
• Why where you book your flights from can change the price (yes, really)
• The “Goldilocks window” for booking flights so you don’t overpay
• How to rebook hotels when prices drop and lock in better deals
• The apps and tools that can score you discounted meals while travelling
• How to avoid sneaky international fees and currency traps
• Budget accommodation hacks that aren’t grim (including a genius uni dorm trick)
• And the small, realistic habits that can save you hundreds over a single trip

Because travel isn’t a bad money goal. In fact, research shows spending on experiences actually makes us happier. But going into debt for it? Not the vibe.

This episode is your permission slip to book the trip… and your game plan to do it in a way your future self will thank you for.

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

See omnystudio.com/listener for privacy information.