April 15, 2025 • 45 mins
Ever wondered how She’s on the Money went from a Facebook group to a full-blown empire? In this special episode, she finally shares the real story: the chaos, the challenges, and the wild, unexpected moments that turned a side hustle into a multimillion-dollar brand. No highlight reel, just what actually happened behind the scenes. She also answers the questions we hear all the time: How do you know if your idea is worth backing? How do you grow an audience? And what would she do differently if she were starting today? Hit play for the business advice, behind-the-scenes tea, and lessons Victoria learned the hard way — so maybe you don’t have to.
Watch Victoria's special Youtube video "Things I wish I knew before starting my (multimillion dollar) business!"
FREEBIE ALERT: Try Constant Contact for free for 30 days and when you’re ready to take things to the next level you can use the code #SOTM30 to enjoy 30% OFF your membership for 6 months. Click here to try it!
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.
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
Hello, my name is Satasha Nabananga Bamblet. I'm a proud
or the Order Kerni Whaltbury and a waddery woman. And
before we get started on She's on the Money podcast,
I would like to acknowledge the traditional custodians of the
land of which this podcast is recorded on a wondery country,
acknowledging the elders, the ancestors and the next generation coming
(00:22):
through as this podcast is about connecting, empowering, knowledge sharing
and the storytelling of you to make a difference for
today and lasting impact for tomorrow.
Speaker 2 (00:33):
Let's get into it.
Speaker 3 (00:34):
She's on the Money, She's on the Money.
Speaker 4 (00:57):
Hello, and welcome to She's on the Money. The podcasts
that are remind you your dream job probably isn't something
you find on seek.
Speaker 2 (01:03):
It's something you build yourself.
Speaker 4 (01:05):
You know that tiny idea you keep thinking about, the
one you swear you'll get to when life slows down. Well,
what if that's the thing that changes everything if you
just back yourself. I'm excited and with me of course
is the one and only Victoria Divine. The one and
only sounds so dramatic. One and only. I'll take another Divine.
I mean you don't I know your sister Alex Divine. Yeah,
but I don't know Victoria Divine.
Speaker 2 (01:26):
No. No, And that's like kind of good because I
am trying to build a profile here in Australia and
it could get a little bit competitive. So stay out,
Victoria Divine. We only have room for one unforsonately and
if you are also a Victoria Divine, like, that's cool,
but please don't become a money influencer. Ye're true.
Speaker 4 (01:45):
If you are Victoria Divine high and welcome to the show,
please reach out because we'd love to have you.
Speaker 2 (01:51):
Yeah, and replace other Victoria Divine. Oh thanks.
Speaker 1 (01:55):
Nolvi.
Speaker 4 (01:56):
After how much love the last episode got where you
shared your money story, we knew we.
Speaker 2 (02:00):
Had to do a follow up, so did we we
knew or you knew? I knew? I hope you like
these I love them.
Speaker 3 (02:06):
Yeah.
Speaker 2 (02:07):
Look, I'm not gonna lie. I got into the studio
and I got ambushed our producer and I said, guess
what you're doing today. It wasn't so much about consent,
more about telling me. I think that the team is
at a point where you guys are like, you know what,
We're just going to ask for forgiveness, not permission. I
think we're just going to have to do that. You
just do you guys. Yeah, And unfortunately, given how many
(02:28):
downloads it got, I have to agree that it is working.
Speaker 4 (02:32):
Thank you, and you always ride that way with us,
and I really appreciate that you know better. I do
know better because due to a very very very popular demand,
we've done the money story. Now let's talk business.
Speaker 2 (02:42):
I mean you're ready, yes, as ready as I'll ever be.
Speaker 4 (02:45):
Amazing, amazing, Okay, so I've just got seven hundred and
fifty two questions for you.
Speaker 2 (02:49):
Great, fantastic, I'm ready. Perfect.
Speaker 4 (02:51):
It could have got me a coffee. I think it's
better when you're a little bit tired in de lulu.
Speaker 2 (02:56):
Okay, all right, let's go. Well I'm going to start here.
Speaker 4 (02:58):
All right, we heard in the last EPISO so that
you always knew you wanted to be a business owner.
So can you give us a quick backstory, like how
did that turn into Zella?
Speaker 2 (03:06):
And then eventually she's in the money? Where do I
even start with this? So I've always known that I
wanted to be a business owner because I think like
my ADHD story really intertwines into this, right and it's
not because it's topical or I feel like at the
moment it seems like a little bit trendy to talk
about ADHD. But to understand the ADHD from my perspective
(03:29):
and why I think it's part of my story and
why I became a business owner. Is I run at
six million miles an hour. Like I am the type
of person who thrives in chaos, which is not everybody, right, Like,
I'm the type of person where if you give me
one thing to do for an entire day, beck, I'm
doing it at eleven fifty nine PM right before, like
(03:52):
I cannot do it earlier, Like most normal people would
be like one thing to do, let's just knock that
off this morning so I can have a free day.
I'm actually going to cripple myself with analysis paralysis for
the entire day going I can't do anything until this
other thing is done. But I'm not going to do it.
I'm just going to stress about having not done it.
(04:14):
But if you gave me fifty things to do in
one day, I thrive, Like I will get up early.
I'm back to back. I can work my butt off.
And that's not to say that everybody with ADHD does
it that way, That's just how I operate, and so
as somebody who thrives during chaos, I think I've always
known that I wanted to be in control of that chaos.
(04:35):
And I'm also very aware that that makes me not
a good employee, Like it doesn't make me the best
person to work for you, because I run my own
schedule and it doesn't matter how important it is. If
I for some reason I'm not motivated, I'm just not
going to do it, and that's not a good thing.
(04:57):
I wish I was a bit different and could be like,
oh well, my boss asked me to do X, y Z,
like I'm just not that good at it. And it
used to take a lot of energy for me to
do those things when I was employed. And I mean
I did get feedback like oh V you don't seem
to take this seriously. In the back of my head,
I'm like this because I don't care, and that's not cool.
(05:17):
That's not cool. So for me to be a business
owner meant a lot more control. And I also just
I love new stuff. I love shiny stuff. Having ADHD
means like I get very excited about something new, a
brand new idea, a new hobby, a new whatever. So
creating kind of comes very naturally to me, I would say.
(05:40):
So I feel like, with all of that in mind,
it leads me down wanting to be a business owner
and taking a few steps backwards. I didn't know what
that meant. I've always like been a little bit entrepreneurial,
like sold stuff as I'm growing up. Like you know,
I was selling friendship bracelets at school. You want a scooby,
I'll make you a scooby. I will charge you for
(06:02):
the scooby. I also used to sell my notes, so
like I used to take like really good notes. And
one of the reasons I took such good notes at
school and in university was because I knew I could
sell them. It wasn't even because I was trying to
learn at that point. Like, my motivations have always been
a little bit different to other people's. So I guess
that's what led me to wanting to be a business owner.
(06:24):
But what got me into finance was I have For
those of you who maybe don't know my backstory, I
have two degrees in psychology. I have my undergraduate degree,
I have a postgraduate degree, and then I have an
MBA and I started psychology. I'm so interested in how
people work. I'm so interested in having an impact and
(06:47):
hopefully making other people's lives better. But then, really, once
I got my first job, that was not it. Like
I worked in consulting in psych and just realized I
didn't like the corporate vibes. I didn't like being told
what to do by mediocre, middle aged white men who
I didn't think knew what they were talking about. I consistently,
and this is not me saying I did know better,
(07:07):
but I consistently felt as though I could do these
things better. And I think that for a lot of
the part, I won't say I wasn't wrong, but it
was because I was always so willing to try something new,
try something different, Like there's a new system we could try,
why aren't we trying that? Like I was consistently being
(07:27):
told no, that's the way we've always done it. I'd
be like, but we don't have to, you know. So
didn't love that. Ultimately ended up in the finance space
because one of my clients when I was working in
orgsych was a financial advisor, and I'm like, oh my goodness,
like this is cool, Like it's not as much about
numbers as it is about impacting people's lives. And like
(07:49):
I was taking all this advice home to my friends
and my family and being like, Beck, did you know
about super Like it's so cool, Like you can get
really rich doing X Y Z, And Yeah, I ultimately
became my career and I decided that when I was
going to do that, I didn't want to do it
for somebody else. Like I could see the structure. I
did work in that structure as an employed financial advisor
(08:11):
for a bit, but that was kind of to find
my feet. And once I started Zella, I loved it.
I loved being in control of my day. I loved,
you know, being able to set the guidelines of how
my business would work, not just for my clients, not
just for me, but also for my staff. Like something
that I have held very very close to me is
(08:32):
making sure that my staff for enjoying work hopefully as
much as I do, and giving them like I employee adults, Beck,
let's just treat them that way. Yeah, you don't thrive
in the morning, don't start in the morning like I
need you to do this amount of work. I don't
care how you get it done, Like I think that
that respect is not something that comes often. But then
once you have that in a business, that impacts the clients,
(08:54):
it impacts how outcomes, Like it means that as a business,
like we're thriving because the vibes are just high all
the time. Yeah, and people want to be involved in that, right, Yes.
So I think that's kind of where Zella came from.
It was from me essentially wanting to control everything and
something I don't think i've shared publicly before. I mean
(09:16):
I've mentioned it on like my Instagram stories like once
or twice. But when I started Zella Beck, it's so
hard to name a business, Like how do you even
name a business? Oh my god, I know, Like what
do I call it? Divine associates? There's many words. If
I was going to become a financial advice business, like Victoria,
divine financial advice or divine advisor, it all sounds like terrible,
(09:39):
divine g Yeah, like all of it's crap be And
so I was brainstorming with my mom and my mom
was like, why don't you use your nana's name? Oh, so,
Zella is actually my grandmother's name. That's her first name.
Gorgeous name exactly, and it's not very common. And I
think that given I wanted to start a business that
impacted women, it made sense to name it after one
(10:02):
of the most powerful women I know. And then I
was like, oh cool, Like Zella sounds fun, like it's
giving like strong vibes. When I looked up the brand
Zella Beck, it means the one who knows the way.
Like that's perfect, so perfect. I think that everything from
the beginning when I started, it just felt right. It
just felt like it started in the way that it
(10:23):
was meant to start. And yeah, like it's still a
business that thrives today. I suppose it's a bit different
to the financial advice business that I started. And then ultimately,
She's on the Money came from to explain that a
little bit. I feel like I'm just yapping, but to
explain that a little bit She's on the money was
actually initially a workshop. So it was me, as a
(10:46):
baby financial advisor, going, I want to work with women.
How do I work with women? You know what I
could do? I could run lunch and learn sessions. I
could run a lunch and learn session and go into
your workplace, back, sit down, your hate. Hopefully we'll like
buy some sandwiches and then I'm going to be up
the front talking about financial advice. I'm going to tell
you about super savings, all of that stuff. And they
(11:09):
got really popular, but initially I was running them from
all genders or literally anyone. And I realized that in
more corporate settings, women weren't putting their hands up, like,
women weren't asking the hard questions right. They were emailing
me after to be like, hey, so you mentioned this.
I was just wondering xyz, and I was thinking, like,
why aren't you putting your hand up? And it was
(11:30):
because the male colleagues in the room often dominated the conversation. Yes,
oh you will open investing since it's just sit down
Craig like. And so I decided to add to my
offering of like my financial advice workshops, a female only
one because you know, when you get women together, they
(11:51):
support each other. And yeah, the She's on the Money
workshop was born. And then I thought, let's make a
Facebook group because all of these women we could like chat, like,
we could ask these questions and like back each other.
If we had like a platform we could all connect on.
If you've been to one of my workshops, joined my
Facebook group, so like, if you went to one of
my early workshops, you know that my last slide was
(12:12):
always like a stay connected and it was like a
link to my Facebook group. And yeah, when that Facebook
group got big, got to like seventeen hundred people, I
remember thinking that was the most amount of people in
the entire universe. Beck Like, I just thought that was
so many people. It's close too. Yeah. I asked them
what they wanted, and they said video content and I
(12:32):
said absolutely not, like I hate being in front of
the camera, hypocritical. Now a right, look at it. I'll
give you a podcast. And so we went down that
route and then just never stopped. And I guess that's
where She's on the Money was born. But I think
a lot of people assume She's on the Money came first,
and then I built a business from that. But the
financial advice or the like more fuddy duddy legitimate business
(12:55):
has always been my like base or my foundation.
Speaker 4 (12:58):
Yeah, okay, is such a beautiful origin story.
Speaker 2 (13:02):
Thanks, I think, yeah, absolutely, I hadn't really ever thought
about it. But I find it funny when people are like, yeah,
it's so good that she's like built a business off
the back of She's on the money, and I'm kind
of like, well, no, like Zella, and its success meant
that I could do She's on the money and for
literal years, Beck, She's on the money made no money.
It actually cost me a lot of money. And that
(13:22):
money came from my financial advice business because I felt
like that was an investment that I was making. Yeah,
and it was something that I was so passionate about
I wanted to support. Now it definitely makes money and
it employs eight women full time, which is so cool.
But yeah, the financial advice business or now mortgage broking business,
I think is my bread and butter and where I
(13:43):
would say I spend most of my time. Yeah, people
again find very surprising.
Speaker 4 (13:47):
I just think it's so lovely that really all you
want to do is teach people, and in particular women.
Speaker 2 (13:52):
I'm obsessed with it, Beck, Like you know what, I'm like,
I'm like, I'll get you off air and I'll be like,
sit down, we're doing this. Can we talk about this? Like, oh,
you mentioned you're doing this? Is that the best decision? Like,
I just just want people to be in the best
possible position.
Speaker 4 (14:05):
Absolutely that's so beautiful. Now, moving on, when you first
started She's the money. What made you think, Okay, this
could actually be something. Was there a moment or something
people were doing where you kind of realized people actually
want this?
Speaker 2 (14:18):
Yeah? It was the Facebook group. Yeah, okay, so it
was literally that number seventeen hundred is like so solidified
in my head because I just remember thinking, like, can
you imagine seventeen hundred people in one room? Like huge exactly,
and like our numbers now in comparison astronomical, and I'm
so proud of it. But I just remember being like, wow,
like that's so many people. What should I do? And
(14:40):
it was at that point that I thought maybe we
could be a podcast, maybe we could do something. And
I mean initially I thought that the podcast would literally
be twelve episodes and that would be it. And then Beck,
if you had any questions, I'd send you back to
one of those twelve episodes that I'd done and you
could have the advice there. I thought that that would
be it, and that's why it's so funny. I actually
(15:01):
get a lot of messages about this. People were like,
weren't you involved with Shameless Media at the start? But yeah, absolutely,
And I think people think there's tea there to share.
They're like, oh, like, what happened nothing, Like we're still
on good terms. I just engaged them to produce the
first twelve episodes because I didn't know how to make
a podcast, and they were lovely and beautiful and all
(15:23):
of those things. But when the podcast literally blew up
and did really well, I don't think any of us
anticipated it to do as well. And they were a
thriving business that didn't have capacity to do another season
of the podcast when I wanted to, so I did
it myself. And that's the tea pic. I think people go, oh, well,
(15:43):
what happened there. It's like, well, they had some really
cool options on the table for them at the time,
and they'd already signed off on them. Like remember when
they did like Bumble podcast and like that love Like
they did so much cool stuff and their actual podcast
was thriving, Like they just didn't have capacity to do
another season and edit it all and you know, do
(16:05):
the hard yards with cheese on the money, so I
outsourced it and just did it myself.
Speaker 4 (16:09):
That is not nearly as juicy as I'm so.
Speaker 2 (16:12):
Sorry, Like I'm sure like if I called them up
and said, hey, let's make some juice out of this. Yeah,
we could find something.
Speaker 4 (16:19):
You find something, We'll find something something up for me.
Speaker 2 (16:21):
Would you yeah, okay, sorry, no, it's okay, okay.
Speaker 4 (16:25):
Next question, Yes, if you were to start another business
in all your spare time, of course, because you have
so much spare time, what would you be looking at
to indicate it's a good business idea before moving forward
with it?
Speaker 2 (16:37):
Oh, Beck, I want another business, but I feel like
it's like having children, Like at what point do you
just not have capacity for more? If I was to
do another business tomorrow, I would love it to be
product based. And I'm taking this question in two ways.
I'll answer it in a more general way in a
hot second. But like if it was me, i'd want
to do product and oh my god, I'd want to
(17:00):
do stationary like stationary Oh yes, Beck, Like I don't
think anyone saw that coming, But I'd want to do
like notebooks and planners and post it notes like all
of these, like esthetic ones like I would want like
little letter writing kids, like you know, really good quality
tactile paper, and like journals that you actually want to use,
(17:21):
like that are really well planned that like, don't just
do your diary, they do like your budget, Like these
are things that I would love to do in the future.
And I think it would work because I have an
audience who are already interested in that and they know
I love making a plan, like I don't think it's
a secret. I love organizing, I love planning. I love
a container like I think that that would bring all
(17:43):
of that together for me. And that's why I think,
you know, I would look at it and go, well,
that hopefully would work, and if it didn't work, I'd
have a really good time because up until now, the
businesses I've run a not product based, like I've never
apart from my books, never gotten to hold something in
my hands and be like, this is my product I
can sell, Like it would just be cool to see people,
(18:05):
you know, putting my product in their handbag and stuff
like that. But if I was to look at a
product and I didn't have a pre existing audience or
a business, and I was trying to work out whether
it was a good idea, I would really be working
out my community first. I would be wanting to look
at like, okay, cool, who am I actually serving here?
Because it's going to be much harder for you to
(18:26):
start a business if you're going to be trying to
convince someone that your product is important, Whereas if you
can create a community and then service their needs and
take them on the journey, you won't be selling. You'll
be responding to a need that your community has. So
I think working out, well, what problem does this product solve? Like,
(18:48):
what does this provide? How does this work? I think
is the question you need to be asking yourself. And
it's a hard question because sometimes you're wildly passionate about
something and it might just be you. So we need
to be a little bit more pragmatic about going Well,
let's just like look at this, like if I scaled this,
how many people are going to buy it? If I
did this, how many people want that service? And what
(19:11):
would their expectations be if I did offer it like time, energy, effort,
like the client experience. What does that all look like?
And I think that that's what I would be looking at.
Speaker 4 (19:22):
Yeah, okay, so V when She's on the Money was
still a baby brand. How did you get people to care?
What did you do in the early days? It actually
helped you grow your audience.
Speaker 2 (19:31):
I feel like that's a good one. But I don't
think I was trying to get you to care back right,
I think I've always taken the stance that I don't
need to convince you that you should care about my business,
Like if you do, that is so fantastic, and like,
come in, have a cup of tea, enjoy the time
that you have with us. But like, I'm not trying
(19:53):
to convince you that I'm the right business for you,
because I think that when brands do that, they often
die their value because they're trying to appeal to everybody.
Like I'm acutely aware that she's on the money isn't
for everybody, and I'm okay with that. I'm not trying
to be everything to everybody, because when you do, you
can't service the community that you have. So I don't
(20:15):
think I've ever been trying to convince people to care.
But if you're in my community, I am love bombing
the shit out if you, you know what I mean, Like,
once you're in, Like, I'm not trying to convince you
to care. I actually care, Like I care so much
about my community, and like I think anyone who's been
(20:36):
in my community knows that anyone who has been in
my team is like, oh no, Like v absolutely walks
the walk, and that's something I'm really proud of. But
I think that, yeah, I'm not trying to convince you
to care about my business. I'm actually trying to convince
you to care about yourself because I'm wildly passionate about
financial literacy and putting you in the best possible position.
(20:58):
And just like the way people light up when they
have more power, like that gives me so much gratification,
Like knowing that beck Is is probably getting a little
bit like not emotional but like ego maybe sure, But
like the idea that when I'm like sixty, there are
going to be women who are also sixty who are
(21:19):
retiring comfortably because they got advice from me. Yes, that's
so cool. That's very very cool. That's changing an entire generation.
And like, to me, just having an impact is why
I do what I do. And like, I'm not here
to convince you to care about my business, Like I don't.
If you don't like it and it's not for you,
move over, because there's somebody else I can be looking after.
(21:42):
There's somebody else I can provide immense value too. And
if it's not you, that's cool. Yeah, that's fine, that's fine,
that's fine. So how did I convince people to care?
I think by caring more about them than about what
they thought about me. I think profound. I don't know
if it's profound, but yeah, beautiful. I'm trying. I'm not
(22:02):
very articulate when you're asking questions about me, am I
a bit.
Speaker 4 (22:05):
Like, oh no, you're doing a great job, and that's
why I do want to finish it.
Speaker 2 (22:09):
Okay, all right, Well what else? If you got okay?
Speaker 4 (22:12):
I want to know what do you think the difference
is between people who run a business and people who
build a brand, Like what actually separates the two.
Speaker 2 (22:19):
That's a hard question to answer because I think that
they can be harmonious. But if you're building a business,
you're probably just thinking about okay, cool, I have my niche,
I have my product, I have my service. I just
one plus one equals to and then sales and profit
and revenue. Right. But I think when you're talking about
building a brand, you're zooming out from all of that.
(22:41):
Like that's important because you're not going to have a
sustainable brand if you're not caring about any of that,
but you're actually really diving deep into the community, what
people need, how you can serve them, what that looks like,
what real connection in your community looks like. And that's
what it takes to build a brand. And like if
I say, Heybeck collec list off some brands, more often
(23:04):
than not you will list off like oh, added US
and Apple and whatnot. And there's a very clear delineation
between a business and a brand when you can tell
me what that brand makes you feel, what that brand
makes me think, Like what do you think their vibe is?
Speaker 1 (23:21):
Like?
Speaker 2 (23:21):
You know what the answer is to all of those
You're like, oh yeah, Like Apple's kind of cool, it's edgy,
it's tech, it's this, you know what I mean? Like,
there's a vibe to these things. And a brand is
going to have people lining up for whatever you're about
to sell them. But a business is going to have
you trying to convince people that you are needed. So
from my perspective, building a brand is essential in twenty
(23:46):
twenty five. It's not about building a business and being
like yep, by service a need full stop like you
can do that. You could probably make millions doing that,
and that's fine, But if you have a product based
business or even a service based business, building a brand
is giving your business a personality. It's giving your business
a reason people want to connect with your business, not
(24:07):
just your product.
Speaker 1 (24:08):
Yeah.
Speaker 2 (24:08):
Yeah, so that's I don't know if that is. That
definitely does. I wish I got some of these questions
so I could have googled it and been like a
little bit more philosophical. But you get what you get apparently, Oh.
Speaker 4 (24:18):
My god, and I'm happy with it.
Speaker 1 (24:20):
Yeah.
Speaker 4 (24:21):
There's like something like you know, you go to you
walk down the road and you see like those little
shops that fix your phone, and then you're like, you
need them when you need them. That's a business.
Speaker 2 (24:30):
But then like.
Speaker 4 (24:31):
Apple is kind of teasing something. We're lining up for
that exactly, see what you're saying. Yeah, that's a fantastic point.
How do we get people to line up for what
we're giving? And often it's about community and connection.
Speaker 2 (24:44):
That's gorgeous.
Speaker 4 (24:45):
Okay, what's something you did imperfectly at the start that
had a big impact and how do you stop perfectionism
from holding you back? Do you know what?
Speaker 2 (24:52):
I was so rogue at the beginning, Like I think
because she's on the money really started in that Facebook group.
I was like, it's just Facebook group, No one's paying
to be here, doesn't matter, Like I was just posting
rogue stuff, like nothing inappropriate, but just like here's all
this stuff I have on super and it's full of
like spelling mistakes or like it was like me making
(25:13):
a graphic on my Microsoft PowerPoint and then screenshotting and
using that as the image to explain to you like
it was not perfect, like my first logo I made
on Microsoft PowerPoint and screenshot it and uploaded it like
it should be right, mate, Yeah, because I kind of
never thought it would be a really serious business. And
then when it became serious, I became a perfectionist, and
(25:34):
then I got analysis paralysis over like putting out perfect
content and making sure that things were really well. And
I still struggle with that. It's why I'm not showing
up at the moment on TikTok in the way that
I want to, because I'm like, well, how do I
create this content that they're asking me for? And my
team literally back like you know this, they shake me
and I literally like, Victoria, you're already doing it on
(25:55):
your Instagram stories. Like but for some reason. I just
want to make sure that if the video is going
to last longer than twenty four hours, like it's like
perfect or something. Yeah, fair, But you can see it's
holding me back, Like you know, I really want to
connect with the audience that I have built it and
hopefully will build into the future on TikTok, where like
I'm just shooting myself in the foot because I just
(26:17):
have this expectation of myself now that she's on the money,
is a business and does have a following. I just
don't want to mess it up. So I didn't do
anything perfectly at the start. I really did a done
is better than perfect kind of vibe, and I think
that as that started to happen, I started to put
more pressure on myself and I wish I could like
step back and be a little bit more imperfect. But
(26:38):
I think just trial and error and being honest with
yourself is the best way to run a business. Test
it doesn't work, don't do it again. So I trying,
like I'm all about testing things like oh cool, let's
get a free trial of this software, see how it goes.
If it doesn't work for me, delete no. Will you
know if you don't try exactly totally.
Speaker 4 (27:00):
Okay, let's take a really quick break, because I feel
like I've thrown so many questions at you just a couple,
and I feel really bad about it. So I'm gonna
go how little bad. I'm going to leave, have a
little mental break, and when we come back, we're talking
about what She's the Money did differently, the stuff that
no one talks about, and the one thing more businesses
should be doing but probably aren't. Okay, guys, we are back,
(27:25):
and I need to know what did She's the Money
do differently that helped it grow the way it has,
And what's one underrated thing you wish more businesses focused on.
Speaker 2 (27:34):
I think when we started She's on the Money, I
didn't realize how necessary She's on the Money was like,
we're talking to an audience of women who haven't felt
included in finance conversations until now. And I mean, there
are a lot of options on the table now when
it comes to finance content creators, and that's great, Like
(27:55):
I actually love that because the more content that you
can absorbed when it comes to money, the better. But
I think that we were offering a space where people
felt like they could have these conversations like it used
to be gate kept by the mediocre, middle aged white
man who was using an acronym here and there, because
(28:15):
it made you feel like you weren't in the loop
or in the conversation or didn't understand. And this stuff
isn't complicated, like and I say that in the nicest
possible way, because if you're finding it complicated, that makes
sense because you've never focused on it before. But once
I've taught you, once you have learned, you go, oh,
that's easy. V. Like I liken it to being able
(28:36):
to ride a bike, Like at the very start, it's hard.
You're going to fall off, Like you might graze your knee,
you might have a really hard time. It might be
really stressful, like you don't want the person teaching you
how to ride the bike to let go because you
might fall over, Like it's really scary. But then you know,
once you've learned how to ride a bike, you can
get on one after ten years and ride it with
(28:57):
no issues. And I think that that's what finances, like,
like you've never learned, why would you know how to
do it? But then all of a sudden, it just
becomes inherent and it becomes second nature and it's not hard,
and that's what I mean. It's not complex. And I
feel like, for literal years the space has been made
up of people who have made a lot of money
(29:20):
from taking advantage of your naivity, and I find that gross.
And so I think that's why I've worked so hard
to have Sheese on the Money and have a space
that women feel accepted and can ask the quote silly
questions because they've never had someone that they've felt safe
to ask those questions too. It's funny. I did an
(29:43):
Instagram Q and a last night beck and someone asked me, like,
why are all your team members female? And I was like,
how cool is it that I have been able to
create a space in a sector that is dominated by men,
that is entirely run by women. That's cool, That's cool. Yeah,
Like I don't want to change that, Like it's not
(30:03):
actually my recruitment strategy, but maybe it should be. But
at the end of the day, like we have women
running my mortgage broking business. There's like sixteen of them
running a mortgage breaking business, and then there's you know,
eight of us in She's on the Money and we're
all just women. And we're killing it and I love that,
(30:23):
and I think that is yeah, we're just walking the
walok So when it comes to you know, she's on
the money and what we've done help us grow, I
think it's about staying true to our roots, like we are.
At the end of the day, she's on the money.
And you know, I have had regrets before and been like, oh,
I wish I didn't call it she's on the money
because it's not, you know, as inclusive as it could be.
(30:46):
But I feel like once people are in our community,
they know I don't get who you are. You're a guy,
and you resonate with my content, it'slaking come in. I
don't care. It's for you as well. If you resonate
with my content, you are welcome. But I would say
when it comes to to like an underrated thing that
we didn't focus on early enough and that other businesses
could focus on, I would say, is like that email
(31:09):
marketing side of themes? Yeah, okay, So you know how
like you get on social media and you see heaps
of followers and you just think that's really impressive. They're
not necessarily your customers. They're not necessarily brought into the journey.
They just hit follow and you don't actually own them
like Instagram does or Facebook does or TikTok does. And
so for me, I think it would be about owning
(31:31):
my audience sooner so that if any of those platforms
went down, like go, I have your email, don't worry.
I can keep you in the loop. I can email you,
I can create a one on one connection. So I
think that that's where a lot of companies are not
making hey while the sun is shining, like especially if
they have like videos going viral and stuff, collect that
(31:52):
content like make them your community as opposed to just
a community that follow you on social media, which is
not yours. Yeah, yeah, that's yeah, that's what I think. Cool.
Speaker 4 (32:02):
Okay, now you said email list, I did. Do you
have any tips on growing an email lists? Okay, making sales.
Speaker 2 (32:08):
I think that when it comes to growing your DM,
a lot of people are really focusing on this idea
that that is really content heavy, Like, oh my goodness, Beck,
I'm going to have to, you know, send them a
newsletter every week, and that's a lot of work and
I don't have time for that. But like, you don't
have to send out a newsletter every week, Like you
can literally do whatever you want because it's your business.
Speaker 3 (32:30):
Beck.
Speaker 2 (32:30):
Yeah, true, but for me, I would you know, if
I was just starting. I want to treat people who
join my email list as like the vps, because they've
like given you their information to contact them, so like,
don't spam them, don't abuse that, but like tell them
that they're the vps, like send them a welcome email
to be like, hey, you know, it could be you,
(32:52):
Like you've got your small business on the side, Beck,
and you are very creative, but like you could do
an EDM where people sign up and you go, hey,
thanks for signing up. I'm Beck. Here's what to expect
from me. Like I'm rogue, I do crufts, I do art,
I do all of these things. I'm not going to
blow up your inboxing list. It's really important and you're
(33:13):
my VIP and you're on this VIP list, so if
I do anything cool, you're going to be the first
to know about it. Yeah totally, Okay, So like, okay,
you set the expectations and then maybe you're just updating them.
So like you don't even have to send out a
weekly or even a monthly email, but like you do
something call beck you make a new creation, maybe you
send out an email because you're excited about it. Your
(33:34):
community want to share that excitement with you. Maybe you know,
flip it back to Sheese on the Money, Like I'm
so grateful that people join. I'm always sending free stuff
to them, like free spreadsheets, downloadable like savings trackers. Like
if I think of making something gol, I'm so excited
to have a business that I can do this. But
like I'm making a savings tracker and then my team
(33:55):
are sending it out to you, Like, make it something
that they want to be a part of, because then
ultimately down the road that can become your sales funnel.
Those are people that want what you're giving. So I
think it's when it comes to like growing an email list,
I would always say give more than you take, Like
(34:15):
give them links to things like Beckett. Doesn't even have
to be like stuff, Like you don't have to give
them free art, but like if it was your email list,
you could give them a list of like your favorite
websites that you know have other art on them, or
it could be a book list like here's Beck's favorite books.
Like as a little hot tip like people are often joining,
especially if you're a small business, because of you individually.
(34:39):
Give them a little bit of insight, give them a
little bit of juice. They love that. And then when
it comes to making sales you've already made friends. Use
that VIP structure. Hey, you're my VOP. I've just released
this new printer. I've just done this and I'm going
to offer it to you first.
Speaker 1 (34:55):
Yeah.
Speaker 2 (34:55):
Yeah, man, social media can find out about it later.
Make them feel special. She knows that she's doing I
do try.
Speaker 1 (35:03):
Well.
Speaker 4 (35:03):
Thank you feud for all the insider trading knowledge. Yeah yeah, yeah,
don't ta keep it out of my back pocket. Yeah,
I don't tell anybody. No, I won't tell anyone. Let's
not even release this episode.
Speaker 2 (35:12):
Actually.
Speaker 4 (35:12):
Okay, so you've juggled a lot over the years, study, work, business, motherhood, life.
What do you go to tips, habits or mindset shifts
for not burning out when everything's happening at once.
Speaker 2 (35:23):
Like, I can give you some tips back that work
for me, they might not work for you. But I
also need to disclaim this that I have burnt out
officially twice in my life, and I am not proud
of that. It's because I just lied to myself and
was like, this is fine. This is what all business
owners should be doing. They shouldn't be doing this back,
like I've ended up in hospital twice. I ended up
with shingles last time. One out of ten cannot recommend.
(35:46):
But I think it's about having a good idea of
what balance looks like to you, Like knowing what your
priorities are and what you want to prioritize, because I
think that often as a business owner, you assume who
you're meant to do a lot of things, Like I
used to beck assume that to be the best business owner,
I had to be the first one in the office
(36:07):
every single morning. I had to go to the gym first.
I had to be the first one at my desk.
I had to greet you all. I had to be
the one leaving last. Like all of these outdated ideas
that that doesn't mean anything. So I think that making
sure that you understand what helps you thrive. I think
it's so lame when people are like I just do
parlattis like great, that works for you, but like doing
(36:31):
that doesn't actually make you a better business owner. Understanding
that maybe moving your body physically is something that helps you.
For some people, they're like I can't think of anything
worse than going to a pilates class after a long day,
Like I want to go home and lay on my
bed for twenty minutes and mindlessly scroll on TikTok. And
that's valid too, So I think for me, my go
(36:52):
to like habits and tips are more about just like
having a structured calendar, making sure that those times that
you want to protect are carved out. Like my team, No,
I do not take meetings on Mondays or Fridays. End
of story. You can contact me. You can call me
and if I'm available at the time, I'll answer, but
like not always, and we have those boundaries in place
(37:16):
because I'm with my son, like I want to prioritize that.
But I also am aware that I run a business,
so I need to make sure that that's still thriving,
because in a way, that's a baby as well. When
it comes to mindset shifts, I just I'm one of
those hippiedp people that like thrives on gratitude, Like I
love gratitude and I feel like it brings so much
(37:39):
to my life, Like I'm just so lucky to be
able to do what I do. Like, I'm so lucky
to have my team. I am so lucky to have
the family that I have. Like, and often if I'm
overwhelmed and it's like three am and I'm like up
with my baby really late back, which is no fun,
I just go, you know what, Like, I'm so lucky.
There are so many people that would do what to
(38:00):
be in my position right now with a screaming baby.
And I also like try to zoom out and be like, oh,
this isn't fun. But like I can almost guarantee that
if I was eighty, sitting in my rocking chair on
the front porch of my house, reflecting on life, I
would give anything for one more day here. Yeah, like
how cool, Like think of me at eighty. I would
(38:22):
love to go back and podcast for another day. Or
I'd love to go back to my team and see
what do you know what I mean? Like, I think
that when you can shift your mindset and like that's
not easy to do, but when you can shift your
mindset and make it really resonate with yourself, that's helpful.
And that's true. It might not work for you, but
that really works for me. So I think gratitude and
being able to go, oh my god, like I'm so lucky.
(38:45):
And I have a list in my phone. I have
like it's pinned to the top and it's like good
things happen to good people, and then I just write
down good things that happened to me. It's gorgeous. Lame. No,
that's not lame at all. I really like that. Okay,
v finally, okay, last one. Oh my goodness.
Speaker 4 (38:59):
And it's only because we've run out of time and
not because I don't have many more questions.
Speaker 2 (39:04):
So if people want more, you're gonna go fishing and
be like did you want me to do that?
Speaker 4 (39:10):
I think the burning question right now for everyone is
how much was Scooby?
Speaker 3 (39:14):
Oh?
Speaker 2 (39:14):
It was like do you know what it was? Like
gold coins? I think it was two gold coins, so
like you know, like I think it was like three
dollars because it would be mad. Yeah, well I needed
three at least, because like I needed that for the
canteen at school. Oh clever. Yeah that's good. I feel like,
as a kid, you can't ask for notes. No, that's true.
Notes are like you don't feel like they have this
(39:35):
yeah much value. I honestly, I wish I could go
back and like remember this properly. But I'm pretty sure
it was really dependent on your colors too. So if
you wanted like the scoobies, I don't know if you
remember them, like you would like braid them. And I
made bracelets and I made key chains, and people would
put the key chains on their pencil cases at school.
I think it was color dependent. So if you wanted
(39:57):
two colors, it was like, I think, like three dollars,
and if you wanted like more colors, it was like
four dollars or something. Oh, that's so cool. I don't
know if bracelets or like keychains were more or less.
I can't remember. Like I didn't provide the keychain part,
just the scooby part and you had to attach it
yourself just of course. Yeah, like I'm not an actual
business guys.
Speaker 4 (40:15):
Sorry to Tricky. That was not the last question. Yes,
so there is one more question.
Speaker 2 (40:19):
Yes, what is it?
Speaker 4 (40:20):
And this one is I feel like a good one
to end on. What are your favorite time saving hacks?
And what do you automate?
Speaker 2 (40:26):
Oh? I automate everything. What's my favorite time saving hack?
Having a great team? Is that a good time saving hack?
We're done? No, Honestly, I think time saving hack is
just having clear process so like everybody is on the
same page about how we do things what we do
so whether that is creating the podcast or if that
(40:47):
is in my mortgage breaking business, like in my mortgage
breaking business, where you have automated so much like emails,
like the second you book in with us, you get
an automated email that triggers to send to you to
go okay, cool, thank you so much for booking their
Here your links here is like a link to our
clients center that you need to fill out. And I
(41:08):
would say that saves us a lot of time because
like you don't have to send that individually out to clients.
And on the flip side, like when clients beat a
certain trigger point, like they've finished their loan and we've
settled their loan and we're so excited. Like one thing
that obviously helps me is like positive reviews, Like we've
automated an email to go out to our customer or
(41:30):
our client that goes, heybeck, like we would love it
if you would leave us a review. And just like
stuff like that saves us so much time and it's
like one and done, like you just write it the
first time, and then we upload it and like tweak
it all make sure that it like feels personal. Like
there are things that can be automated. So yeah, maybe
(41:51):
email automation is genuinely like such a time saver. The
same thing for like onboarding of new clients Fishies on
the Money, Right, So, like if you sign up on
our website to get a free thing like all of
those emails that you get automated with your downloadable, Like
I don't have to send it to you because you're
like you're dming me being like hey, can I please
(42:12):
have that spreadsheet? Like that would be an admin nightmare.
We've automated it. And then also just like automation of experience. Yeah,
so like as I said, before, you know, you join
the Shee's on the Money mailing list, You're going to
get an automated email. I promise. I've put a lot
of love into it. But it's going to set the expectations.
It's going to outline exactly who we are, what we do,
(42:35):
what you can expect from us. And I think that
that is something that a lot of businesses don't do
because they go i'll do it later, I'll do it later.
But it's so easy and add so much value and
ultimately makes us more money. Like, let's be honest, Like,
the more engage your community, the more they feel like
you are communicating with them, the more sales you are
going to get.
Speaker 4 (42:55):
So to be blunt, automation cool. Okay, Okay, time is money.
Speaker 2 (42:58):
Well, I mean I do think so, and automation means
that money can be made when you're not spending your time.
That's fantastic. Let's end there.
Speaker 4 (43:07):
Yeah, fantastic place to end it. Thank you so much,
VIDI so thank you so much for sharing the behind
the scenes. Again, It's always such a great chat with some.
Speaker 2 (43:15):
Of you feel like it goes really rogue because you
have really long lists of questions and then I yap
for too long and you're like, Victoria, I didn't get
to ask all my questions, and I'm like, well, I'm
not sorry. But if people are super excited about, you know,
small business and talking about what happens and like even
if you're interested in automation. I actually did a YouTube
series recently, which is new for me. I don't do
(43:36):
a lot of video and if you guys don't go
and watch it, I won't be doing a lot of
video in the future. But I did a YouTube video
with a company called Constant Contact, and they have been
honestly fantastic to work with. You know, those people that
you just like vibe with, yeah, and you connected with
and you're like, I like you guys, and their product
is elite, so it's so easy not going to lie
to work with them. So I'll link that in the
(43:57):
show notes. But that's a lot about like small business,
setting up your email system, like how to actually add
value to your community, and like it goes back to
honestly a lot about brand, you know how we're talking
about the difference between a business and a brand before,
Like building a brand is really hard and there are
lots of things that you need to kind of like
make sure you're focusing on. So we've tried to add
(44:19):
heaps of value in those videos, So make sure that
they're in the show notes. But we've also got a
heap more small business content coming up with them, because yeah,
I just feel like I vibe with these guys and
they were like, would you do some like small business
stuff with us? Absolutely say less, yeah, heck yeah. As
you learned from this episode, born to yap about small
business haha.
Speaker 4 (44:40):
If you love today's episode, make sure you're following the show,
leave us a review and send us to someone who's
sitting on a side hustle but needs a nudge. Will
be back next week, and yes, the How Victoria Got
out of Debt episode is still on the list.
Speaker 2 (44:53):
Don't you worry, We'll see you again on Friday.
Speaker 3 (44:56):
By Guys the If by 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.
Speaker 2 (45:14):
Investment or financial decision.
Speaker 3 (45:16):
If you do choose to buy a financial product, read
the PDS TMD and obtain appropriate financial.
Speaker 2 (45:21):
Advice tailored towards your needs.
Speaker 3 (45:23):
Victoria, Divine and She's on the Money are authorized representatives
of Money. Sheper pty LTD ABN three two one six
four nine two seven seven zero eight AFSL four five
one two eight nine
Hello, my name is Satasha Nabananga Bamblet. I'm a proud
or the Order Kerni Whaltbury and a waddery woman. And
before we get started on She's on the Money podcast,
I would like to acknowledge the traditional custodians of the
land of which this podcast is recorded on a wondery country,
acknowledging the elders, the ancestors and the next generation coming
(00:22):
through as this podcast is about connecting, empowering, knowledge sharing
and the storytelling of you to make a difference for
today and lasting impact for tomorrow.
Speaker 2 (00:33):
Let's get into it.
Speaker 3 (00:34):
She's on the Money, She's on the Money.
Speaker 4 (00:57):
Hello, and welcome to She's on the Money. The podcasts
that are remind you your dream job probably isn't something
you find on seek.
Speaker 2 (01:03):
It's something you build yourself.
Speaker 4 (01:05):
You know that tiny idea you keep thinking about, the
one you swear you'll get to when life slows down. Well,
what if that's the thing that changes everything if you
just back yourself. I'm excited and with me of course
is the one and only Victoria Divine. The one and
only sounds so dramatic. One and only. I'll take another Divine.
I mean you don't I know your sister Alex Divine. Yeah,
but I don't know Victoria Divine.
Speaker 2 (01:26):
No. No, And that's like kind of good because I
am trying to build a profile here in Australia and
it could get a little bit competitive. So stay out,
Victoria Divine. We only have room for one unforsonately and
if you are also a Victoria Divine, like, that's cool,
but please don't become a money influencer. Ye're true.
Speaker 4 (01:45):
If you are Victoria Divine high and welcome to the show,
please reach out because we'd love to have you.
Speaker 2 (01:51):
Yeah, and replace other Victoria Divine. Oh thanks.
Speaker 1 (01:55):
Nolvi.
Speaker 4 (01:56):
After how much love the last episode got where you
shared your money story, we knew we.
Speaker 2 (02:00):
Had to do a follow up, so did we we
knew or you knew? I knew? I hope you like
these I love them.
Speaker 3 (02:06):
Yeah.
Speaker 2 (02:07):
Look, I'm not gonna lie. I got into the studio
and I got ambushed our producer and I said, guess
what you're doing today. It wasn't so much about consent,
more about telling me. I think that the team is
at a point where you guys are like, you know what,
We're just going to ask for forgiveness, not permission. I
think we're just going to have to do that. You
just do you guys. Yeah, And unfortunately, given how many
(02:28):
downloads it got, I have to agree that it is working.
Speaker 4 (02:32):
Thank you, and you always ride that way with us,
and I really appreciate that you know better. I do
know better because due to a very very very popular demand,
we've done the money story. Now let's talk business.
Speaker 2 (02:42):
I mean you're ready, yes, as ready as I'll ever be.
Speaker 4 (02:45):
Amazing, amazing, Okay, so I've just got seven hundred and
fifty two questions for you.
Speaker 2 (02:49):
Great, fantastic, I'm ready. Perfect.
Speaker 4 (02:51):
It could have got me a coffee. I think it's
better when you're a little bit tired in de lulu.
Speaker 2 (02:56):
Okay, all right, let's go. Well I'm going to start here.
Speaker 4 (02:58):
All right, we heard in the last EPISO so that
you always knew you wanted to be a business owner.
So can you give us a quick backstory, like how
did that turn into Zella?
Speaker 2 (03:06):
And then eventually she's in the money? Where do I
even start with this? So I've always known that I
wanted to be a business owner because I think like
my ADHD story really intertwines into this, right and it's
not because it's topical or I feel like at the
moment it seems like a little bit trendy to talk
about ADHD. But to understand the ADHD from my perspective
(03:29):
and why I think it's part of my story and
why I became a business owner. Is I run at
six million miles an hour. Like I am the type
of person who thrives in chaos, which is not everybody, right, Like,
I'm the type of person where if you give me
one thing to do for an entire day, beck, I'm
doing it at eleven fifty nine PM right before, like
(03:52):
I cannot do it earlier, Like most normal people would
be like one thing to do, let's just knock that
off this morning so I can have a free day.
I'm actually going to cripple myself with analysis paralysis for
the entire day going I can't do anything until this
other thing is done. But I'm not going to do it.
I'm just going to stress about having not done it.
(04:14):
But if you gave me fifty things to do in
one day, I thrive, Like I will get up early.
I'm back to back. I can work my butt off.
And that's not to say that everybody with ADHD does
it that way, That's just how I operate, and so
as somebody who thrives during chaos, I think I've always
known that I wanted to be in control of that chaos.
(04:35):
And I'm also very aware that that makes me not
a good employee, Like it doesn't make me the best
person to work for you, because I run my own
schedule and it doesn't matter how important it is. If
I for some reason I'm not motivated, I'm just not
going to do it, and that's not a good thing.
(04:57):
I wish I was a bit different and could be like,
oh well, my boss asked me to do X, y Z,
like I'm just not that good at it. And it
used to take a lot of energy for me to
do those things when I was employed. And I mean
I did get feedback like oh V you don't seem
to take this seriously. In the back of my head,
I'm like this because I don't care, and that's not cool.
(05:17):
That's not cool. So for me to be a business
owner meant a lot more control. And I also just
I love new stuff. I love shiny stuff. Having ADHD
means like I get very excited about something new, a
brand new idea, a new hobby, a new whatever. So
creating kind of comes very naturally to me, I would say.
(05:40):
So I feel like, with all of that in mind,
it leads me down wanting to be a business owner
and taking a few steps backwards. I didn't know what
that meant. I've always like been a little bit entrepreneurial,
like sold stuff as I'm growing up. Like you know,
I was selling friendship bracelets at school. You want a scooby,
I'll make you a scooby. I will charge you for
(06:02):
the scooby. I also used to sell my notes, so
like I used to take like really good notes. And
one of the reasons I took such good notes at
school and in university was because I knew I could
sell them. It wasn't even because I was trying to
learn at that point. Like, my motivations have always been
a little bit different to other people's. So I guess
that's what led me to wanting to be a business owner.
(06:24):
But what got me into finance was I have For
those of you who maybe don't know my backstory, I
have two degrees in psychology. I have my undergraduate degree,
I have a postgraduate degree, and then I have an
MBA and I started psychology. I'm so interested in how
people work. I'm so interested in having an impact and
(06:47):
hopefully making other people's lives better. But then, really, once
I got my first job, that was not it. Like
I worked in consulting in psych and just realized I
didn't like the corporate vibes. I didn't like being told
what to do by mediocre, middle aged white men who
I didn't think knew what they were talking about. I consistently,
and this is not me saying I did know better,
(07:07):
but I consistently felt as though I could do these
things better. And I think that for a lot of
the part, I won't say I wasn't wrong, but it
was because I was always so willing to try something new,
try something different, Like there's a new system we could try,
why aren't we trying that? Like I was consistently being
(07:27):
told no, that's the way we've always done it. I'd
be like, but we don't have to, you know. So
didn't love that. Ultimately ended up in the finance space
because one of my clients when I was working in
orgsych was a financial advisor, and I'm like, oh my goodness,
like this is cool, Like it's not as much about
numbers as it is about impacting people's lives. And like
(07:49):
I was taking all this advice home to my friends
and my family and being like, Beck, did you know
about super Like it's so cool, Like you can get
really rich doing X Y Z, And Yeah, I ultimately
became my career and I decided that when I was
going to do that, I didn't want to do it
for somebody else. Like I could see the structure. I
did work in that structure as an employed financial advisor
(08:11):
for a bit, but that was kind of to find
my feet. And once I started Zella, I loved it.
I loved being in control of my day. I loved,
you know, being able to set the guidelines of how
my business would work, not just for my clients, not
just for me, but also for my staff. Like something
that I have held very very close to me is
(08:32):
making sure that my staff for enjoying work hopefully as
much as I do, and giving them like I employee adults, Beck,
let's just treat them that way. Yeah, you don't thrive
in the morning, don't start in the morning like I
need you to do this amount of work. I don't
care how you get it done, Like I think that
that respect is not something that comes often. But then
once you have that in a business, that impacts the clients,
(08:54):
it impacts how outcomes, Like it means that as a business,
like we're thriving because the vibes are just high all
the time. Yeah, and people want to be involved in that, right, Yes.
So I think that's kind of where Zella came from.
It was from me essentially wanting to control everything and
something I don't think i've shared publicly before. I mean
(09:16):
I've mentioned it on like my Instagram stories like once
or twice. But when I started Zella Beck, it's so
hard to name a business, Like how do you even
name a business? Oh my god, I know, Like what
do I call it? Divine associates? There's many words. If
I was going to become a financial advice business, like Victoria,
divine financial advice or divine advisor, it all sounds like terrible,
(09:39):
divine g Yeah, like all of it's crap be And
so I was brainstorming with my mom and my mom
was like, why don't you use your nana's name? Oh, so,
Zella is actually my grandmother's name. That's her first name.
Gorgeous name exactly, and it's not very common. And I
think that given I wanted to start a business that
impacted women, it made sense to name it after one
(10:02):
of the most powerful women I know. And then I
was like, oh cool, Like Zella sounds fun, like it's
giving like strong vibes. When I looked up the brand
Zella Beck, it means the one who knows the way.
Like that's perfect, so perfect. I think that everything from
the beginning when I started, it just felt right. It
just felt like it started in the way that it
(10:23):
was meant to start. And yeah, like it's still a
business that thrives today. I suppose it's a bit different
to the financial advice business that I started. And then ultimately,
She's on the Money came from to explain that a
little bit. I feel like I'm just yapping, but to
explain that a little bit She's on the money was
actually initially a workshop. So it was me, as a
(10:46):
baby financial advisor, going, I want to work with women.
How do I work with women? You know what I
could do? I could run lunch and learn sessions. I
could run a lunch and learn session and go into
your workplace, back, sit down, your hate. Hopefully we'll like
buy some sandwiches and then I'm going to be up
the front talking about financial advice. I'm going to tell
you about super savings, all of that stuff. And they
(11:09):
got really popular, but initially I was running them from
all genders or literally anyone. And I realized that in
more corporate settings, women weren't putting their hands up, like,
women weren't asking the hard questions right. They were emailing
me after to be like, hey, so you mentioned this.
I was just wondering xyz, and I was thinking, like,
why aren't you putting your hand up? And it was
(11:30):
because the male colleagues in the room often dominated the conversation. Yes,
oh you will open investing since it's just sit down
Craig like. And so I decided to add to my
offering of like my financial advice workshops, a female only
one because you know, when you get women together, they
(11:51):
support each other. And yeah, the She's on the Money
workshop was born. And then I thought, let's make a
Facebook group because all of these women we could like chat, like,
we could ask these questions and like back each other.
If we had like a platform we could all connect on.
If you've been to one of my workshops, joined my
Facebook group, so like, if you went to one of
my early workshops, you know that my last slide was
(12:12):
always like a stay connected and it was like a
link to my Facebook group. And yeah, when that Facebook
group got big, got to like seventeen hundred people, I
remember thinking that was the most amount of people in
the entire universe. Beck Like, I just thought that was
so many people. It's close too. Yeah. I asked them
what they wanted, and they said video content and I
(12:32):
said absolutely not, like I hate being in front of
the camera, hypocritical. Now a right, look at it. I'll
give you a podcast. And so we went down that
route and then just never stopped. And I guess that's
where She's on the Money was born. But I think
a lot of people assume She's on the Money came first,
and then I built a business from that. But the
financial advice or the like more fuddy duddy legitimate business
(12:55):
has always been my like base or my foundation.
Speaker 4 (12:58):
Yeah, okay, is such a beautiful origin story.
Speaker 2 (13:02):
Thanks, I think, yeah, absolutely, I hadn't really ever thought
about it. But I find it funny when people are like, yeah,
it's so good that she's like built a business off
the back of She's on the money, and I'm kind
of like, well, no, like Zella, and its success meant
that I could do She's on the money and for
literal years, Beck, She's on the money made no money.
It actually cost me a lot of money. And that
(13:22):
money came from my financial advice business because I felt
like that was an investment that I was making. Yeah,
and it was something that I was so passionate about
I wanted to support. Now it definitely makes money and
it employs eight women full time, which is so cool.
But yeah, the financial advice business or now mortgage broking business,
I think is my bread and butter and where I
(13:43):
would say I spend most of my time. Yeah, people
again find very surprising.
Speaker 4 (13:47):
I just think it's so lovely that really all you
want to do is teach people, and in particular women.
Speaker 2 (13:52):
I'm obsessed with it, Beck, Like you know what, I'm like,
I'm like, I'll get you off air and I'll be like,
sit down, we're doing this. Can we talk about this? Like, oh,
you mentioned you're doing this? Is that the best decision? Like,
I just just want people to be in the best
possible position.
Speaker 4 (14:05):
Absolutely that's so beautiful. Now, moving on, when you first
started She's the money. What made you think, Okay, this
could actually be something. Was there a moment or something
people were doing where you kind of realized people actually
want this?
Speaker 2 (14:18):
Yeah? It was the Facebook group. Yeah, okay, so it
was literally that number seventeen hundred is like so solidified
in my head because I just remember thinking, like, can
you imagine seventeen hundred people in one room? Like huge exactly,
and like our numbers now in comparison astronomical, and I'm
so proud of it. But I just remember being like, wow,
like that's so many people. What should I do? And
(14:40):
it was at that point that I thought maybe we
could be a podcast, maybe we could do something. And
I mean initially I thought that the podcast would literally
be twelve episodes and that would be it. And then Beck,
if you had any questions, I'd send you back to
one of those twelve episodes that I'd done and you
could have the advice there. I thought that that would
be it, and that's why it's so funny. I actually
(15:01):
get a lot of messages about this. People were like,
weren't you involved with Shameless Media at the start? But yeah, absolutely,
And I think people think there's tea there to share.
They're like, oh, like, what happened nothing, Like we're still
on good terms. I just engaged them to produce the
first twelve episodes because I didn't know how to make
a podcast, and they were lovely and beautiful and all
(15:23):
of those things. But when the podcast literally blew up
and did really well, I don't think any of us
anticipated it to do as well. And they were a
thriving business that didn't have capacity to do another season
of the podcast when I wanted to, so I did
it myself. And that's the tea pic. I think people go, oh, well,
(15:43):
what happened there. It's like, well, they had some really
cool options on the table for them at the time,
and they'd already signed off on them. Like remember when
they did like Bumble podcast and like that love Like
they did so much cool stuff and their actual podcast
was thriving, Like they just didn't have capacity to do
another season and edit it all and you know, do
(16:05):
the hard yards with cheese on the money, so I
outsourced it and just did it myself.
Speaker 4 (16:09):
That is not nearly as juicy as I'm so.
Speaker 2 (16:12):
Sorry, Like I'm sure like if I called them up
and said, hey, let's make some juice out of this. Yeah,
we could find something.
Speaker 4 (16:19):
You find something, We'll find something something up for me.
Speaker 2 (16:21):
Would you yeah, okay, sorry, no, it's okay, okay.
Speaker 4 (16:25):
Next question, Yes, if you were to start another business
in all your spare time, of course, because you have
so much spare time, what would you be looking at
to indicate it's a good business idea before moving forward
with it?
Speaker 2 (16:37):
Oh, Beck, I want another business, but I feel like
it's like having children, Like at what point do you
just not have capacity for more? If I was to
do another business tomorrow, I would love it to be
product based. And I'm taking this question in two ways.
I'll answer it in a more general way in a
hot second. But like if it was me, i'd want
to do product and oh my god, I'd want to
(17:00):
do stationary like stationary Oh yes, Beck, Like I don't
think anyone saw that coming, But I'd want to do
like notebooks and planners and post it notes like all
of these, like esthetic ones like I would want like
little letter writing kids, like you know, really good quality
tactile paper, and like journals that you actually want to use,
(17:21):
like that are really well planned that like, don't just
do your diary, they do like your budget, Like these
are things that I would love to do in the future.
And I think it would work because I have an
audience who are already interested in that and they know
I love making a plan, like I don't think it's
a secret. I love organizing, I love planning. I love
a container like I think that that would bring all
(17:43):
of that together for me. And that's why I think,
you know, I would look at it and go, well,
that hopefully would work, and if it didn't work, I'd
have a really good time because up until now, the
businesses I've run a not product based, like I've never
apart from my books, never gotten to hold something in
my hands and be like, this is my product I
can sell, Like it would just be cool to see people,
(18:05):
you know, putting my product in their handbag and stuff
like that. But if I was to look at a
product and I didn't have a pre existing audience or
a business, and I was trying to work out whether
it was a good idea, I would really be working
out my community first. I would be wanting to look
at like, okay, cool, who am I actually serving here?
Because it's going to be much harder for you to
(18:26):
start a business if you're going to be trying to
convince someone that your product is important, Whereas if you
can create a community and then service their needs and
take them on the journey, you won't be selling. You'll
be responding to a need that your community has. So
I think working out, well, what problem does this product solve? Like,
(18:48):
what does this provide? How does this work? I think
is the question you need to be asking yourself. And
it's a hard question because sometimes you're wildly passionate about
something and it might just be you. So we need
to be a little bit more pragmatic about going Well,
let's just like look at this, like if I scaled this,
how many people are going to buy it? If I
did this, how many people want that service? And what
(19:11):
would their expectations be if I did offer it like time, energy, effort,
like the client experience. What does that all look like?
And I think that that's what I would be looking at.
Speaker 4 (19:22):
Yeah, okay, so V when She's on the Money was
still a baby brand. How did you get people to care?
What did you do in the early days? It actually
helped you grow your audience.
Speaker 2 (19:31):
I feel like that's a good one. But I don't
think I was trying to get you to care back right,
I think I've always taken the stance that I don't
need to convince you that you should care about my business,
Like if you do, that is so fantastic, and like,
come in, have a cup of tea, enjoy the time
that you have with us. But like, I'm not trying
(19:53):
to convince you that I'm the right business for you,
because I think that when brands do that, they often
die their value because they're trying to appeal to everybody.
Like I'm acutely aware that she's on the money isn't
for everybody, and I'm okay with that. I'm not trying
to be everything to everybody, because when you do, you
can't service the community that you have. So I don't
(20:15):
think I've ever been trying to convince people to care.
But if you're in my community, I am love bombing
the shit out if you, you know what I mean, Like,
once you're in, Like, I'm not trying to convince you
to care. I actually care, Like I care so much
about my community, and like I think anyone who's been
(20:36):
in my community knows that anyone who has been in
my team is like, oh no, Like v absolutely walks
the walk, and that's something I'm really proud of. But
I think that, yeah, I'm not trying to convince you
to care about my business. I'm actually trying to convince
you to care about yourself because I'm wildly passionate about
financial literacy and putting you in the best possible position.
(20:58):
And just like the way people light up when they
have more power, like that gives me so much gratification,
Like knowing that beck Is is probably getting a little
bit like not emotional but like ego maybe sure, But
like the idea that when I'm like sixty, there are
going to be women who are also sixty who are
(21:19):
retiring comfortably because they got advice from me. Yes, that's
so cool. That's very very cool. That's changing an entire generation.
And like, to me, just having an impact is why
I do what I do. And like, I'm not here
to convince you to care about my business, Like I don't.
If you don't like it and it's not for you,
move over, because there's somebody else I can be looking after.
(21:42):
There's somebody else I can provide immense value too. And
if it's not you, that's cool. Yeah, that's fine, that's fine,
that's fine. So how did I convince people to care?
I think by caring more about them than about what
they thought about me. I think profound. I don't know
if it's profound, but yeah, beautiful. I'm trying. I'm not
(22:02):
very articulate when you're asking questions about me, am I
a bit.
Speaker 4 (22:05):
Like, oh no, you're doing a great job, and that's
why I do want to finish it.
Speaker 2 (22:09):
Okay, all right, Well what else? If you got okay?
Speaker 4 (22:12):
I want to know what do you think the difference
is between people who run a business and people who
build a brand, Like what actually separates the two.
Speaker 2 (22:19):
That's a hard question to answer because I think that
they can be harmonious. But if you're building a business,
you're probably just thinking about okay, cool, I have my niche,
I have my product, I have my service. I just
one plus one equals to and then sales and profit
and revenue. Right. But I think when you're talking about
building a brand, you're zooming out from all of that.
(22:41):
Like that's important because you're not going to have a
sustainable brand if you're not caring about any of that,
but you're actually really diving deep into the community, what
people need, how you can serve them, what that looks like,
what real connection in your community looks like. And that's
what it takes to build a brand. And like if
I say, Heybeck collec list off some brands, more often
(23:04):
than not you will list off like oh, added US
and Apple and whatnot. And there's a very clear delineation
between a business and a brand when you can tell
me what that brand makes you feel, what that brand
makes me think, Like what do you think their vibe is?
Speaker 1 (23:21):
Like?
Speaker 2 (23:21):
You know what the answer is to all of those
You're like, oh yeah, Like Apple's kind of cool, it's edgy,
it's tech, it's this, you know what I mean? Like,
there's a vibe to these things. And a brand is
going to have people lining up for whatever you're about
to sell them. But a business is going to have
you trying to convince people that you are needed. So
from my perspective, building a brand is essential in twenty
(23:46):
twenty five. It's not about building a business and being
like yep, by service a need full stop like you
can do that. You could probably make millions doing that,
and that's fine, But if you have a product based
business or even a service based business, building a brand
is giving your business a personality. It's giving your business
a reason people want to connect with your business, not
(24:07):
just your product.
Speaker 1 (24:08):
Yeah.
Speaker 2 (24:08):
Yeah, so that's I don't know if that is. That
definitely does. I wish I got some of these questions
so I could have googled it and been like a
little bit more philosophical. But you get what you get apparently, Oh.
Speaker 4 (24:18):
My god, and I'm happy with it.
Speaker 1 (24:20):
Yeah.
Speaker 4 (24:21):
There's like something like you know, you go to you
walk down the road and you see like those little
shops that fix your phone, and then you're like, you
need them when you need them. That's a business.
Speaker 2 (24:30):
But then like.
Speaker 4 (24:31):
Apple is kind of teasing something. We're lining up for
that exactly, see what you're saying. Yeah, that's a fantastic point.
How do we get people to line up for what
we're giving? And often it's about community and connection.
Speaker 2 (24:44):
That's gorgeous.
Speaker 4 (24:45):
Okay, what's something you did imperfectly at the start that
had a big impact and how do you stop perfectionism
from holding you back? Do you know what?
Speaker 2 (24:52):
I was so rogue at the beginning, Like I think
because she's on the money really started in that Facebook group.
I was like, it's just Facebook group, No one's paying
to be here, doesn't matter, Like I was just posting
rogue stuff, like nothing inappropriate, but just like here's all
this stuff I have on super and it's full of
like spelling mistakes or like it was like me making
(25:13):
a graphic on my Microsoft PowerPoint and then screenshotting and
using that as the image to explain to you like
it was not perfect, like my first logo I made
on Microsoft PowerPoint and screenshot it and uploaded it like
it should be right, mate, Yeah, because I kind of
never thought it would be a really serious business. And
then when it became serious, I became a perfectionist, and
(25:34):
then I got analysis paralysis over like putting out perfect
content and making sure that things were really well. And
I still struggle with that. It's why I'm not showing
up at the moment on TikTok in the way that
I want to, because I'm like, well, how do I
create this content that they're asking me for? And my
team literally back like you know this, they shake me
and I literally like, Victoria, you're already doing it on
(25:55):
your Instagram stories. Like but for some reason. I just
want to make sure that if the video is going
to last longer than twenty four hours, like it's like
perfect or something. Yeah, fair, But you can see it's
holding me back, Like you know, I really want to
connect with the audience that I have built it and
hopefully will build into the future on TikTok, where like
I'm just shooting myself in the foot because I just
(26:17):
have this expectation of myself now that she's on the money,
is a business and does have a following. I just
don't want to mess it up. So I didn't do
anything perfectly at the start. I really did a done
is better than perfect kind of vibe, and I think
that as that started to happen, I started to put
more pressure on myself and I wish I could like
step back and be a little bit more imperfect. But
(26:38):
I think just trial and error and being honest with
yourself is the best way to run a business. Test
it doesn't work, don't do it again. So I trying,
like I'm all about testing things like oh cool, let's
get a free trial of this software, see how it goes.
If it doesn't work for me, delete no. Will you
know if you don't try exactly totally.
Speaker 4 (27:00):
Okay, let's take a really quick break, because I feel
like I've thrown so many questions at you just a couple,
and I feel really bad about it. So I'm gonna
go how little bad. I'm going to leave, have a
little mental break, and when we come back, we're talking
about what She's the Money did differently, the stuff that
no one talks about, and the one thing more businesses
should be doing but probably aren't. Okay, guys, we are back,
(27:25):
and I need to know what did She's the Money
do differently that helped it grow the way it has,
And what's one underrated thing you wish more businesses focused on.
Speaker 2 (27:34):
I think when we started She's on the Money, I
didn't realize how necessary She's on the Money was like,
we're talking to an audience of women who haven't felt
included in finance conversations until now. And I mean, there
are a lot of options on the table now when
it comes to finance content creators, and that's great, Like
(27:55):
I actually love that because the more content that you
can absorbed when it comes to money, the better. But
I think that we were offering a space where people
felt like they could have these conversations like it used
to be gate kept by the mediocre, middle aged white
man who was using an acronym here and there, because
(28:15):
it made you feel like you weren't in the loop
or in the conversation or didn't understand. And this stuff
isn't complicated, like and I say that in the nicest
possible way, because if you're finding it complicated, that makes
sense because you've never focused on it before. But once
I've taught you, once you have learned, you go, oh,
that's easy. V. Like I liken it to being able
(28:36):
to ride a bike, Like at the very start, it's hard.
You're going to fall off, Like you might graze your knee,
you might have a really hard time. It might be
really stressful, like you don't want the person teaching you
how to ride the bike to let go because you
might fall over, Like it's really scary. But then you know,
once you've learned how to ride a bike, you can
get on one after ten years and ride it with
(28:57):
no issues. And I think that that's what finances, like,
like you've never learned, why would you know how to
do it? But then all of a sudden, it just
becomes inherent and it becomes second nature and it's not hard,
and that's what I mean. It's not complex. And I
feel like, for literal years the space has been made
up of people who have made a lot of money
(29:20):
from taking advantage of your naivity, and I find that gross.
And so I think that's why I've worked so hard
to have Sheese on the Money and have a space
that women feel accepted and can ask the quote silly
questions because they've never had someone that they've felt safe
to ask those questions too. It's funny. I did an
(29:43):
Instagram Q and a last night beck and someone asked me, like,
why are all your team members female? And I was like,
how cool is it that I have been able to
create a space in a sector that is dominated by men,
that is entirely run by women. That's cool, That's cool. Yeah,
Like I don't want to change that, Like it's not
(30:03):
actually my recruitment strategy, but maybe it should be. But
at the end of the day, like we have women
running my mortgage broking business. There's like sixteen of them
running a mortgage breaking business, and then there's you know,
eight of us in She's on the Money and we're
all just women. And we're killing it and I love that,
(30:23):
and I think that is yeah, we're just walking the
walok So when it comes to you know, she's on
the money and what we've done help us grow, I
think it's about staying true to our roots, like we are.
At the end of the day, she's on the money.
And you know, I have had regrets before and been like, oh,
I wish I didn't call it she's on the money
because it's not, you know, as inclusive as it could be.
(30:46):
But I feel like once people are in our community,
they know I don't get who you are. You're a guy,
and you resonate with my content, it'slaking come in. I
don't care. It's for you as well. If you resonate
with my content, you are welcome. But I would say
when it comes to to like an underrated thing that
we didn't focus on early enough and that other businesses
could focus on, I would say, is like that email
(31:09):
marketing side of themes? Yeah, okay, So you know how
like you get on social media and you see heaps
of followers and you just think that's really impressive. They're
not necessarily your customers. They're not necessarily brought into the journey.
They just hit follow and you don't actually own them
like Instagram does or Facebook does or TikTok does. And
so for me, I think it would be about owning
(31:31):
my audience sooner so that if any of those platforms
went down, like go, I have your email, don't worry.
I can keep you in the loop. I can email you,
I can create a one on one connection. So I
think that that's where a lot of companies are not
making hey while the sun is shining, like especially if
they have like videos going viral and stuff, collect that
(31:52):
content like make them your community as opposed to just
a community that follow you on social media, which is
not yours. Yeah, yeah, that's yeah, that's what I think. Cool.
Speaker 4 (32:02):
Okay, now you said email list, I did. Do you
have any tips on growing an email lists? Okay, making sales.
Speaker 2 (32:08):
I think that when it comes to growing your DM,
a lot of people are really focusing on this idea
that that is really content heavy, Like, oh my goodness, Beck,
I'm going to have to, you know, send them a
newsletter every week, and that's a lot of work and
I don't have time for that. But like, you don't
have to send out a newsletter every week, Like you
can literally do whatever you want because it's your business.
Speaker 3 (32:30):
Beck.
Speaker 2 (32:30):
Yeah, true, but for me, I would you know, if
I was just starting. I want to treat people who
join my email list as like the vps, because they've
like given you their information to contact them, so like,
don't spam them, don't abuse that, but like tell them
that they're the vps, like send them a welcome email
to be like, hey, you know, it could be you,
(32:52):
Like you've got your small business on the side, Beck,
and you are very creative, but like you could do
an EDM where people sign up and you go, hey,
thanks for signing up. I'm Beck. Here's what to expect
from me. Like I'm rogue, I do crufts, I do art,
I do all of these things. I'm not going to
blow up your inboxing list. It's really important and you're
(33:13):
my VIP and you're on this VIP list, so if
I do anything cool, you're going to be the first
to know about it. Yeah totally, Okay, So like, okay,
you set the expectations and then maybe you're just updating them.
So like you don't even have to send out a
weekly or even a monthly email, but like you do
something call beck you make a new creation, maybe you
send out an email because you're excited about it. Your
(33:34):
community want to share that excitement with you. Maybe you know,
flip it back to Sheese on the Money, Like I'm
so grateful that people join. I'm always sending free stuff
to them, like free spreadsheets, downloadable like savings trackers. Like
if I think of making something gol, I'm so excited
to have a business that I can do this. But
like I'm making a savings tracker and then my team
(33:55):
are sending it out to you, Like, make it something
that they want to be a part of, because then
ultimately down the road that can become your sales funnel.
Those are people that want what you're giving. So I
think it's when it comes to like growing an email list,
I would always say give more than you take, Like
(34:15):
give them links to things like Beckett. Doesn't even have
to be like stuff, Like you don't have to give
them free art, but like if it was your email list,
you could give them a list of like your favorite
websites that you know have other art on them, or
it could be a book list like here's Beck's favorite books.
Like as a little hot tip like people are often joining,
especially if you're a small business, because of you individually.
(34:39):
Give them a little bit of insight, give them a
little bit of juice. They love that. And then when
it comes to making sales you've already made friends. Use
that VIP structure. Hey, you're my VOP. I've just released
this new printer. I've just done this and I'm going
to offer it to you first.
Speaker 1 (34:55):
Yeah.
Speaker 2 (34:55):
Yeah, man, social media can find out about it later.
Make them feel special. She knows that she's doing I
do try.
Speaker 1 (35:03):
Well.
Speaker 4 (35:03):
Thank you feud for all the insider trading knowledge. Yeah yeah, yeah,
don't ta keep it out of my back pocket. Yeah,
I don't tell anybody. No, I won't tell anyone. Let's
not even release this episode.
Speaker 2 (35:12):
Actually.
Speaker 4 (35:12):
Okay, so you've juggled a lot over the years, study, work, business, motherhood, life.
What do you go to tips, habits or mindset shifts
for not burning out when everything's happening at once.
Speaker 2 (35:23):
Like, I can give you some tips back that work
for me, they might not work for you. But I
also need to disclaim this that I have burnt out
officially twice in my life, and I am not proud
of that. It's because I just lied to myself and
was like, this is fine. This is what all business
owners should be doing. They shouldn't be doing this back,
like I've ended up in hospital twice. I ended up
with shingles last time. One out of ten cannot recommend.
(35:46):
But I think it's about having a good idea of
what balance looks like to you, Like knowing what your
priorities are and what you want to prioritize, because I
think that often as a business owner, you assume who
you're meant to do a lot of things, Like I
used to beck assume that to be the best business owner,
I had to be the first one in the office
(36:07):
every single morning. I had to go to the gym first.
I had to be the first one at my desk.
I had to greet you all. I had to be
the one leaving last. Like all of these outdated ideas
that that doesn't mean anything. So I think that making
sure that you understand what helps you thrive. I think
it's so lame when people are like I just do
parlattis like great, that works for you, but like doing
(36:31):
that doesn't actually make you a better business owner. Understanding
that maybe moving your body physically is something that helps you.
For some people, they're like I can't think of anything
worse than going to a pilates class after a long day,
Like I want to go home and lay on my
bed for twenty minutes and mindlessly scroll on TikTok. And
that's valid too, So I think for me, my go
(36:52):
to like habits and tips are more about just like
having a structured calendar, making sure that those times that
you want to protect are carved out. Like my team, No,
I do not take meetings on Mondays or Fridays. End
of story. You can contact me. You can call me
and if I'm available at the time, I'll answer, but
like not always, and we have those boundaries in place
(37:16):
because I'm with my son, like I want to prioritize that.
But I also am aware that I run a business,
so I need to make sure that that's still thriving,
because in a way, that's a baby as well. When
it comes to mindset shifts, I just I'm one of
those hippiedp people that like thrives on gratitude, Like I
love gratitude and I feel like it brings so much
(37:39):
to my life, Like I'm just so lucky to be
able to do what I do. Like, I'm so lucky
to have my team. I am so lucky to have
the family that I have. Like, and often if I'm
overwhelmed and it's like three am and I'm like up
with my baby really late back, which is no fun,
I just go, you know what, Like, I'm so lucky.
There are so many people that would do what to
(38:00):
be in my position right now with a screaming baby.
And I also like try to zoom out and be like, oh,
this isn't fun. But like I can almost guarantee that
if I was eighty, sitting in my rocking chair on
the front porch of my house, reflecting on life, I
would give anything for one more day here. Yeah, like
how cool, Like think of me at eighty. I would
(38:22):
love to go back and podcast for another day. Or
I'd love to go back to my team and see
what do you know what I mean? Like, I think
that when you can shift your mindset and like that's
not easy to do, but when you can shift your
mindset and make it really resonate with yourself, that's helpful.
And that's true. It might not work for you, but
that really works for me. So I think gratitude and
being able to go, oh my god, like I'm so lucky.
(38:45):
And I have a list in my phone. I have
like it's pinned to the top and it's like good
things happen to good people, and then I just write
down good things that happened to me. It's gorgeous. Lame. No,
that's not lame at all. I really like that. Okay,
v finally, okay, last one. Oh my goodness.
Speaker 4 (38:59):
And it's only because we've run out of time and
not because I don't have many more questions.
Speaker 2 (39:04):
So if people want more, you're gonna go fishing and
be like did you want me to do that?
Speaker 4 (39:10):
I think the burning question right now for everyone is
how much was Scooby?
Speaker 3 (39:14):
Oh?
Speaker 2 (39:14):
It was like do you know what it was? Like
gold coins? I think it was two gold coins, so
like you know, like I think it was like three
dollars because it would be mad. Yeah, well I needed
three at least, because like I needed that for the
canteen at school. Oh clever. Yeah that's good. I feel like,
as a kid, you can't ask for notes. No, that's true.
Notes are like you don't feel like they have this
(39:35):
yeah much value. I honestly, I wish I could go
back and like remember this properly. But I'm pretty sure
it was really dependent on your colors too. So if
you wanted like the scoobies, I don't know if you
remember them, like you would like braid them. And I
made bracelets and I made key chains, and people would
put the key chains on their pencil cases at school.
I think it was color dependent. So if you wanted
(39:57):
two colors, it was like, I think, like three dollars,
and if you wanted like more colors, it was like
four dollars or something. Oh, that's so cool. I don't
know if bracelets or like keychains were more or less.
I can't remember. Like I didn't provide the keychain part,
just the scooby part and you had to attach it
yourself just of course. Yeah, like I'm not an actual
business guys.
Speaker 4 (40:15):
Sorry to Tricky. That was not the last question. Yes,
so there is one more question.
Speaker 2 (40:19):
Yes, what is it?
Speaker 4 (40:20):
And this one is I feel like a good one
to end on. What are your favorite time saving hacks?
And what do you automate?
Speaker 2 (40:26):
Oh? I automate everything. What's my favorite time saving hack?
Having a great team? Is that a good time saving hack?
We're done? No, Honestly, I think time saving hack is
just having clear process so like everybody is on the
same page about how we do things what we do
so whether that is creating the podcast or if that
(40:47):
is in my mortgage breaking business, like in my mortgage
breaking business, where you have automated so much like emails,
like the second you book in with us, you get
an automated email that triggers to send to you to
go okay, cool, thank you so much for booking their
Here your links here is like a link to our
clients center that you need to fill out. And I
(41:08):
would say that saves us a lot of time because
like you don't have to send that individually out to clients.
And on the flip side, like when clients beat a
certain trigger point, like they've finished their loan and we've
settled their loan and we're so excited. Like one thing
that obviously helps me is like positive reviews, Like we've
automated an email to go out to our customer or
(41:30):
our client that goes, heybeck, like we would love it
if you would leave us a review. And just like
stuff like that saves us so much time and it's
like one and done, like you just write it the
first time, and then we upload it and like tweak
it all make sure that it like feels personal. Like
there are things that can be automated. So yeah, maybe
(41:51):
email automation is genuinely like such a time saver. The
same thing for like onboarding of new clients Fishies on
the Money, Right, So, like if you sign up on
our website to get a free thing like all of
those emails that you get automated with your downloadable, Like
I don't have to send it to you because you're
like you're dming me being like hey, can I please
(42:12):
have that spreadsheet? Like that would be an admin nightmare.
We've automated it. And then also just like automation of experience. Yeah,
so like as I said, before, you know, you join
the Shee's on the Money mailing list, You're going to
get an automated email. I promise. I've put a lot
of love into it. But it's going to set the expectations.
It's going to outline exactly who we are, what we do,
(42:35):
what you can expect from us. And I think that
that is something that a lot of businesses don't do
because they go i'll do it later, I'll do it later.
But it's so easy and add so much value and
ultimately makes us more money. Like, let's be honest, Like,
the more engage your community, the more they feel like
you are communicating with them, the more sales you are
going to get.
Speaker 4 (42:55):
So to be blunt, automation cool. Okay, Okay, time is money.
Speaker 2 (42:58):
Well, I mean I do think so, and automation means
that money can be made when you're not spending your time.
That's fantastic. Let's end there.
Speaker 4 (43:07):
Yeah, fantastic place to end it. Thank you so much,
VIDI so thank you so much for sharing the behind
the scenes. Again, It's always such a great chat with some.
Speaker 2 (43:15):
Of you feel like it goes really rogue because you
have really long lists of questions and then I yap
for too long and you're like, Victoria, I didn't get
to ask all my questions, and I'm like, well, I'm
not sorry. But if people are super excited about, you know,
small business and talking about what happens and like even
if you're interested in automation. I actually did a YouTube
series recently, which is new for me. I don't do
(43:36):
a lot of video and if you guys don't go
and watch it, I won't be doing a lot of
video in the future. But I did a YouTube video
with a company called Constant Contact, and they have been
honestly fantastic to work with. You know, those people that
you just like vibe with, yeah, and you connected with
and you're like, I like you guys, and their product
is elite, so it's so easy not going to lie
to work with them. So I'll link that in the
(43:57):
show notes. But that's a lot about like small business,
setting up your email system, like how to actually add
value to your community, and like it goes back to
honestly a lot about brand, you know how we're talking
about the difference between a business and a brand before,
Like building a brand is really hard and there are
lots of things that you need to kind of like
make sure you're focusing on. So we've tried to add
(44:19):
heaps of value in those videos, So make sure that
they're in the show notes. But we've also got a
heap more small business content coming up with them, because yeah,
I just feel like I vibe with these guys and
they were like, would you do some like small business
stuff with us? Absolutely say less, yeah, heck yeah. As
you learned from this episode, born to yap about small
business haha.
Speaker 4 (44:40):
If you love today's episode, make sure you're following the show,
leave us a review and send us to someone who's
sitting on a side hustle but needs a nudge. Will
be back next week, and yes, the How Victoria Got
out of Debt episode is still on the list.
Speaker 2 (44:53):
Don't you worry, We'll see you again on Friday.
Speaker 3 (44:56):
By Guys the If by 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.
Speaker 2 (45:14):
Investment or financial decision.
Speaker 3 (45:16):
If you do choose to buy a financial product, read
the PDS TMD and obtain appropriate financial.
Speaker 2 (45:21):
Advice tailored towards your needs.
Speaker 3 (45:23):
Victoria, Divine and She's on the Money are authorized representatives
of Money. Sheper pty LTD ABN three two one six
four nine two seven seven zero eight AFSL four five
one two eight nine
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