The woman won the Set for Live division one prize of $20,000 every month for the next 20 years.

"I had a really bad day on Friday, I was feeling miserable actually," she said.

"So, I went and saw my daughter and just talked it all through, I was quite tired when I got home, so I sat on the couch and decided I'd quickly check my Set for Life tickets on The Lott app.

"As soon as I clicked on my ticket, I saw confetti fall from the screen and then I noticed the division one win. I scream so loud and then burst into tears."

Drawn on Friday, the woman held one of the two division one winning entries nationally and plans to share her prize with her family, buy a new car and a new house.

After seeing the winning ticket she ran straight into her son's room to wake him up.

"He just looked at me and said, 'No way mum. You're dreaming. Go back to bed," she said.

"I called my daughter and sent her a photo of the ticket to double check for me. She was so shocked. She just kept saying, 'Mum, you've won, you've really won'.

"I didn't sleep a wink that night. I stayed up chatting on the phone to my daughter. We kept talking about what to do with the money and how much it'll change all our lives.

"We definitely cried and screamed a lot that night! We all did once we realised it was true."

The win still hasn't sunk in and the Narrabri mum keeps pinching herself.

"I keep making jokes about how I am a rich bi*** now," she said.

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Just this year there have already been two division one wins in the region worth more than $8.13 million.

Even though she could comfortably retire, the woman said she loves her job so she won't quit.

"The first thing any parent wants to do is help their kids, so that's exactly what I will do," she said.

"I might look at buying a new house, or maybe a new car too. I will save a lot of it for my retirement too.

"It has taken away so many worries and pressures. It feels like a weight has been lifted from my shoulders, which is just incredible."

The life-changing marked five-game entry was purchased online.

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