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 lively discussion dives into the chaos of making big financial decisions, like the hidden costs of car loans and holiday shopping stresses. Listeners hear hilarious anecdotes about extravagant spending, quirky holiday traditions, and the dilemma of finding the perfect Christmas gifts. Baking tips for delectable cookies provide a sweet twist, while savvy shopping strategies offer helpful insights. It’s a blend of practical advice, festive humor, and relatable struggles that leaves everyone a little wiser and ready to tackle financial hurdles.

Get ready to boost your holiday spirit while padding your wallet! Discover innovative ways to make cash by decluttering your home and selling unused items. Learn how you can offer yard work services to capitalize on seasonal demand. Explore the world of cleaning gigs and short-term rentals for some extra income. Plus, find out how to make money with errand running and gift assembly—perfect for the last-minute rush. It’s all about hustling smart this festive season!

This week’s guest, a Money Diarist and dedicated member of the community, shares their transformative journey from financial stress to stability through an innovative side hustle. They reveal how renting a spare room on Airbnb not only eased their debt burden but also fueled their travel dreams. With practical budgeting tips and relatable anecdotes, they emphasize the importance of aligning spending with personal values. Tune in for insights on creating welcoming spaces and the empowering effects of financial discipline!

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.

Ever wondered about your rights as a renter? The discussion tackles landlord boundaries and tenant protections in tricky situations. From financial dilemmas post-home purchase to the impact of a partner's business on your finances, real-life stories abound. The hosts celebrate listener success with thrift tips for a budget-friendly festive season. Plus, they introduce a game-changing business book filled with insights for aspiring entrepreneurs. Tune in for savvy advice and a sprinkle of holiday cheer!

This holiday season, forget the usual gifts and think big with investments! Explore how gifting shares, ETFs, or investment bonds can spark financial literacy and secure a bright future. Discover creative ideas like investment gift cards and watch your loved ones thrive. Learn the ins and outs of investing for kids and the importance of tailoring strategies to their needs. Plus, get savvy insights on navigating investment for minors. Make gifts meaningful while building wealth together!

Joining the conversation is a community member and Money Diarist who transformed her life after being unexpectedly fired from a $60k job. She shares how this pivotal moment pushed her to seek financial freedom, leading to a six-figure income and a diverse investment portfolio. The discussion includes overcoming imposter syndrome, balancing financial goals with personal ambitions, and navigating the emotional landscape of job loss. Her inspiring journey highlights the importance of resilience and informed financial choices in achieving true stability.

This episode has been one of the most requested since we began unpacking the world of multi-level marketing. Whether you’re ready to leave yourself or trying to help someone you care about, we’ve got you covered. We’re breaking down why MLMs are so hard to walk away from, how to protect your finances as you exit, and how to handle those tricky conversations with friends or loved ones still involved. If you’ve ever felt stuck, overwhelmed, or unsure of what to do next, this episode is your guide to reclaiming your money, your freedom, and your relationships—starting today.  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.