Summer Starter Series: Budgeting and Cash Flow

Jan 2, 2026

Dive into the essentials of financial control with an engaging look at budgeting and cash flow. Understand how to track income and expenses without feeling restricted. Discover the importance of sustainable budgeting—no more crash diets for your wallet. Learn the significance of cash flow in managing debt and setting achievable goals. Get practical strategies for repayment and tips for handling a pay rise wisely. Finally, find out if you really need a financial advisor or can thrive on your own!

Ask episode

AI Snips

Chapters

Transcript

Episode notes

INSIGHT

Four Numbers That Matter

Budgeting reveals the four numbers that matter: what you earn, spend, own and owe.
Clarity on these figures is the foundation for confident saving, debt and investing choices.

ADVICE

Make Budgets Realistic Not Punishing

Do build a budget that reflects your actual spending rather than imposing unrealistic restrictions.
Use that budget to test whether your savings goals are achievable within your cash flow.

INSIGHT

Work Backwards From Cash Flow

Setting goals without checking cash flow makes them likely to fail and feel demoralising.
Work backwards from realistic contributions to create achievable timelines and maintain motivation.

Get the Snipd Podcast app to discover more snips from this episode

Get the app

This summer, we’re dropping a bonus foundations series for anyone who’s ready to feel more in control. Whether you’re brand new here, or you’ve been listening for years and want a reset, this series is about getting you back to the basics that actually work. In this episode, we walk through how to actually see your money clearly for the first time. What’s coming in, where it’s going, and why it can feel like you’re doing all the right things but still not getting ahead. This one’s pulled from the vault because the advice hasn’t aged. We break down the four numbers that matter most in your financial life and explain why budgeting isn’t about restriction, it’s about finally having enough information to make confident decisions about saving, debt, and investing. There’s also a bonus segment on emergency funds, because having a buffer is what stops life from wiping out your progress every time something unexpected pops up.

VISIT OUR BUDGET AND DEBT HUB: All our budget and debt rescoources are here.

FREEBIES: All our best free money resources in the one place 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 - 451289.

See omnystudio.com/listener for privacy information.