Belle Gibson has made a career out of scams, through fake cancer diagnosis' and banking thousands of charity dollars.

While Belle Gibson was meant to be paying back a $410,000 fine she received for lying to Australians, the cancer fraud was racking up payments on luxury items, a court had heard.

The Belle Gibson show returned to the Federal Court in Melbourne this morning where she was examined at length over her finances.

Gibson, 27, was fined for breaching consumer law with claims she healed herself with good food and natural remedies — remedies she then peddled to the public as part of her Whole Pantry business.

The fine has been unpaid since it was issued in 2017, two years after Gibson’s fake brain cancer diagnosis was revealed.

The court heard Gibson earned $16,000 in 2016 and $20,000 in 2017, but spent $91,000 in the past two years.

The lawyer for Consumer Affairs Victoria told the court Gibson spent $13,000 on clothes, accessories and cosmetics, as well as $45,000 on “discretionary” items between 2017 and 2019.

Belle Gibson earned $16k in 2016 and $20k in 2017 but lawyers say she spent $91k in the past two years, including $13k on cosmetics, accessories and clothes. Discretionary spending = “about $45k,” lawyer for Consumer Affairs Victoria says. @newscomauHQ — Rohan Smith (@Ro_Smith) June 20, 2019

Belle Gibson can’t explain a $3500 cash withdrawal in October. “Why would you be walking around Collingwood with $3500 in cash?” she was asked. “I don’t know. A lot has happened since then,” she said. @newscomauHQ — Rohan Smith (@Ro_Smith) June 20, 2019

“Based on my analysis ... I don’t believe your figure is correct,” Gibson said.

“I would have to see your breakdown.”

The court heard she went on trips to Adelaide and the Gold Coast, as well as to Africa.

It was also revealed she had been sending donations via GoFundMe to the Flint water crisis in the US state of Michigan, but that she was in no position to pay any amount of money towards the fine.

Asked if she could chip away at it, Gibson replied: “No”.

Asked if she had considered bankruptcy, Gibson confirmed she had, but could not say how far those considerations had advanced.

Earlier, Gibson broke down when being examined about work she had done via outsourcing platform Airtasker for an elderly woman between July and September 2017.

She removed her glasses and wiped away tears when asked to give details of the care she was providing to a woman named Claire.

“This is what I’m saying about my empathetic nature,” Gibson said.

The court was adjourned for five minutes to give Gibson a chance to compose herself.

It was revealed Gibson was kicked off Airtasker but she claims she does not know why.

“There were comments about me (on the platform) and I’m assuming that’s why,” she said.

Gibson has also been running errands for people in her life. They pay her back, sometimes in cash.

Asked whether she does it because she has time, Gibson responded: “That’s my nature. If somebody needs help I’ll provide it.”

Gibson was asked to explain where a pair of deposits totaling $1600 were made when she was holidaying in Bali in 2017.

She responded “I don’t know.”

The lawyer for Consumer Affairs Victoria asked her: “Is that seriously your evidence?”

Gibson said she did not wish to speculate.

The court adjourned for the day, with examinations to commence at a later date.

During a previously appearance in the same court last month, Gibson was grilled over her use of a Sportsbet account, trading in cryptocurrencies and using Afterpay payments for “discretionary spending”.

On that occasion, Consumer Affairs Victoria barrister Elle Nikou Madalin grilled the mother-of-one about everything from her bank accounts to the clothes she was wearing in court.

During a break outside court, Gibson was overheard by reporters saying it was “sad” that media were covering her case and that other “more important” cases should be covered instead.

The fake wellness guru’s business earned more than $578,000 from more than 300,000 purchases.

The 27-year-old’s bank statements were provided to the court by her lawyer Andrew Tragardh, who said Gibson had every intention of paying the fine when she could afford to.

Gibson told the court she had $50 available to her and “between $1800 and $2000” in cryptocurrency.

She was asked whether 60 Minutes paid her $75,000 for an interview. She said she did not remember the exact amount she was paid, but the entire amount was exhausted on legal fees.

Mr Tragardh said his client was being subjected to “unnecessary stress” by parts of the legal process. He commented on the media pack she had to pass through on her way in and out of court.

Ms Nikou Madalin said Gibson “may not want to face the media again”, but the stress it caused her was “secondary”.

Justice Debra Mortimer told Gibson in September she had a “relentless obsession with herself”.

In November, Justice Mortimer issued a warning to Gibson that failure to pay the penalty would make her liable for jail, property seizures or other punishment.

@ro_smith | rohan.smith1@news.com.au