The Tools to Make Your Money Work for You

Whether you're trying to pay off debt, save for something big, or finally feel like you’ve got your money under control, you’re in the right place.

Free
Budget.

Our free budgeting template is one of the most downloaded resources we’ve ever created. It’s simple, easy to use, and totally free.

Download Freebies

Savings Challenge.

Saving doesn’t have to be serious to work. Whether you like to shake things up each week or stick to a routine, we’ve got a savings challenge that’ll actually keep you motivated.

FREE CHALLENGE

Money
Masterclass.

A proven cash flow system that automates your savings, bills, and budget.

Our signature course, designed to give you a structure that works for real life (and it’s already helped thousands of people feel in control of their money).

Teach me how

Budget
Playlist.

All our best She’s on the Money budgeting and savings podcast episodes, curated just for you.

Listen here

Debt
Playlist.

All our best She’s on the Money debt episodes, curated just for you.

Listen here

But wait, there’s more…

Here are some of our most-read blogs to help you get clear on your money.

How to Pay Down Debt Effectively
The Psychology of Saving
Break Free from Buy Now Pay Later Traps
The savings hacks SOTM-ers swear by
Re-negotiate your bills & save

When You Need a Bit More Support.

Let’s be real, debt can feel really overwhelming. If you're struggling, you're absolutely not alone.

These organisations offer free, confidential support from professionals who are trained to help, without judgement.


📞 National Debt Helpline

Free financial counselling for anyone in Australia.

1800 007 008

National Debt Helpline

📞 MOB Strong Debt Help

A dedicated service for Aboriginal and Torres Strait Islander peoples.

1800 808 488

MOB Strong Debt Help

🖥️ Moneysmart.gov.au – Managing Debt

Straightforward info and tools from the Australian Government.

Money Smart Government Website