I paid off $20,000 debt in 18 months. There were 8 rules I lived by

debt Feb 26, 2021

Amy, a 32-year-old accountant looked like she was living her best life. She rented a fabulous apartment in a trendy part of the city, was going out for drinks, endless brunches, giving herself little shopping treats here and there, mini weekends away with friends and ubering all around town.

On Instagram anyone would think she was living the dream. But there was a secret looming over her which she knew she would soon have to face. After she didn’t get the pay rise she had expected at a job performance review, it became clear that now was the time. She took out her credit card statements - yes, all of them - and faced the cold hard truth.

“I saw the debt and was shocked. I was in $20,000 of credit card debt and, apart from superannuation, I had almost no assets (I was renting, had less than $1k in savings, no car and no investments), I knew I had to make a massive change”, Amy said.

Prior to that moment Amy had always taken a more relaxed approach to her...

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Can Anyone Become A Millionaire?

millionaire Feb 26, 2021

According to David Bach, if you have an income, the answer is yes.

After a chance meeting with a couple who were ready to retire in their early fifties despite having an average income, Bach was inspired to learn the secrets to securing your future while still paying for your present. He shares his findings in The Automatic Millionaire.

This book is one of the most popular financial books in recent history and spent 31 weeks as a best seller thanks to its one-step program to achieve lasting wealth.

The Automatic Millionaire is an easy to follow guide to setting up your finances so you can make the most of your income, secure your wealth and change your life.

5 Best quotes

A latte spurned is a fortune earned.”

“Remember, inspiration unused is merely entertainment. To get new results, you need to take new actions.”

“Money is not an end in itself. It is merely a tool to help us achieve some particular goal. If the way we handle our money conflicts with...

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6 Common Mistakes We Are Making With Our Money!






































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Favorite Tools

cashback tools Feb 26, 2021

Doing your Christmas shopping online this year?

Most likely considering we aren't allowed to go to the shops.

When you're shopping online this year remember to use a cashback site!

What's that?

A cashback website is a type of reward website that pays you a percent of money spent (yes free money back into your cashback account). #ChaChing

The sites have links to a huge range of retailers from everything from Apple to Lululemon , Expedia to Amazon it's all there!

They are free to sign up to and you can get anything from 3-20% cash back!


Here are two of our favourites.

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What’s the Difference Between Income Protection and Critical Illness Cover?

This is a question that I get asked all the time. It is so important that you understand the difference to make sure that you are properly covered.

So what is Income Protection? 

Income protection protects your monthly income. This means that if you're not able to work and therefore earn because of illness or injury then the policy will payout in line with the contract. Before you sign up for an Income Protection plan, it is important to check what you already have at work. If you already have covered at work, a personal plan may not payout at the same time.

A personal Income Protection plan will pay out a monthly tax-free amount until you are well enough to return to work or you reach the end of the policy. I link a client’s plan to their retirement date.

An Income Protection plan also has a deferred period. You can opt for 4, 13,26 and 52 weeks deferred periods. This is the time between getting sign and after which a policy will pay out, So for example if I am stick...

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Trusts – Are They Just For Rich Kids?

trusts Feb 25, 2021

So are trusts just for rich kids? In short no! Trusts are just a way for you to give something to someone without giving them complete control over it.

In my day job as a Financial Advisor the most common way that I use trusts is when I set up a life assurance policy. I am always surprised by how many polices are not written into trust – it is rumoured that less than 20% of policies in the UK are!

All it is, is an extra form to fill out when you set up your life policy and most importantly, often you can get templates from the provider meaning that it is free to do too.

There are all sorts of trust that you can choose from and it is important to make sure you get the right one. However, the benefits of that extra bit of paperwork are:

  1. It ensures that the money pays out to the person that you want it to……
  2. …..when you want it to
  3. It also means that the pay out isn’t part of your estate and therefore the benefit may be exempt from inheritance...
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Interview with Double Dutch

Can you describe your relationship with money?

I think having had a background in finance and studied finance at university for four years gave us a good foundation when it comes to money. We've always been quite tight on our cash flow.

When starting a company, it's really important to have a close eye on what is coming in and going out so we're quite tight on our relationship with money. We are definitely not big spenders.

What does being wealthy mean to you?

On the one hand side, being wealthy is about being able to do what you love and what you want to do. For example, going on holiday, buying clothes or new furniture. But on the other hand, having a good life is a nice evening with friends and being close to your family. My relationship with my twin sister makes me really wealthy! We're each other's best friends and I think it's definitely a cheeky answer but I think that's also an example of being very wealthy.


What do you splurge on?

I don't really splurge on...

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Our Top Finance Book Recommendations That Won’t Make You Hit Snoozville

finance Oct 30, 2020

Here are some of our top financial books we heart that won’t make you get droopy eyes. If you want practical ways to get better with your money then check these out – all by absolute experts in the finance world! Any you think we should add – get in touch and let us know [email protected]


BAREFOOT INVESTOR by SCOTT PAPE – Scott is amazing at breaking down the basics and talks about incorporating financial date nights into your life! He also has one of the best budget strategies we at She’s on the Money have seen! The book as taken Australia by storm and even if you’re not based in Oz, there are still plenty of hot tips you can take from the book!


 THE AUTOMATIC MILLIONAIRE by DAVID BACH – Okay before you get excited this book is not about becoming an automatic millionaire but talks about the ground work you need to do to automise your finances so you eventually do become a...

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Tips On Stretching Your Student Loan

Uncategorized Oct 29, 2020

1. Remember, your student loan needs to last you one whole term – that is 15 whole weeks…

What do you need to know?

In January 2018, ‘Which?’ announced Morrisons as the cheapest supermarket for a basket of groceries. Whilst Ocado was the most expensive place to buy the same grocery basket.

What do you need to do?

Make sure you shop at the right supermarket – get yourself to Morrisons, Lidl or Aldi and be sure to look at the deals of delivery if you don’t have your car at Uni. A lot of supermarkets offer free delivery on large orders which means you can bulk buy to save money and have your food delivered straight to your door to stop you walking bag with bags of shopping.

If you do decide to go to the shop make sure you take your own re-usable bags with you instead of paying 5p per bag – every little penny helps!

2. Get your hands on the best student bank account…

What do you need to know?

We all know students don’t have a tonne...

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How To Launch A Side Hustle Alongside a Full Time Job

Uncategorized Aug 20, 2020

How To Launch A Side Hustle Alongside a Full Time Job by Laura Dempster | She's on the Money

by Laura Dempster, founder of Thrifty Londoner

Whether you want to fast-track your way to a financial goal, or have a little more disposable income, a side hustle can be a great way to add an additional income stream into your bank account and learn some new skills along the way.

In a time of financial uncertainty, there’s never been a better chance to brainstorm some brilliant ideas, get them down on paper, and start up your passion project. Who knows- maybe your side hustle could end up changing your life?

How To Decide On A Side Hustle Idea

It can be pretty tough to decide exactly what you should do as your side hustle, especially if your head is buzzing with ideas. But having a ton of ideas is a good thing- allow that creative energy to flow and write down everything that comes to mind at this first stage.

It doesn’t matter if you’re concerned that someone else is already doing something similar, if you’re worried about judgement from family...

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