SugarMamma’s Fireplay

Have you ever wondered how compounding actually works? And why it’s so important for building wealth and financial independence? Don't worry, you aren't alone! In this Start Here episode of SugarMamma’s Fireplay, I answer a listener’s question about understanding compounding before she invests her $5,000 savings and begins adding $400 per month. I break compounding down into simple, clear actionable steps, showing how returns on returns quietly accelerate over time, and why patience is the secret ingredient to financial freedom. You will seriously be blown away by the opportunity! In this episode, we explore: What compounding interest really is (and why it’s both your best friend and your worst enemy) Clear examples of how small amounts grow significantly over 20 years Why time is the most powerful factor in investing success Peter Thornhill’s extraordinary real-life evidence of compounding at work - listen out for the $20,000,000 portfolio!  The 7 most common mistakes that stop people from benefiting from compounding How to maximise its power with consistency, growth assets, and reinvested dividends What Tara’s own $5,000 + $400/month plan could realistically grow into ✨ The key takeaway? Building wealth is not about luck or timing the market, as you may know, it’s about time in the market, staying consistent, and letting compounding quietly do the heavy lifting for you. If you want to submit your question for the next Start Here episode, send me a DM on Instagram! Motivated Money by Peter Thornhill: https://amzn.to/40rn2Vr Amazon affiliate links to my own books. In the meantime... HOW YOU CAN WORK WITH ME (& I CAN HELP YOU): (includes one-on-one appointment with me...) If you need help with your budget or are sick of living paycheque to paycheque, you can enrol into The SugarMamma Budget & Cashflow Academy course, which includes a one on one appointment with me so that I can help you. Enrol here: https://courses.sugarmamma.tv/Signup Stay updated & inspired... @SugarMammaTV – Money, budgeting, cashflow, motivation @CannaCampbellofficial – lifestyle, capsule wardrobe fashion, motherhood Tik Tok - https://www.tiktok.com/@sugarmammatv   ADDITIONAL GENERAL ADVICE WARNING: Whilst we discuss various financial topics, this podcast is not advice in anyway, but purely for educational purposes only. Nothing in this podcast is personal advice, investment advice or product advice. With any major financial decision, you must always do your own research, consider all the pros and cons, fees, caps, limits, costs, taxes etc. Always proactively educate yourself before making any major financial decision, consider your own financial goals, deadlines and risk profile. So please bear all of this in mind when listening to this podcast and please always speak to a Financial Planner when wondering what you should do to achieve your own financial goals and dreams. GENERAL ADVICE WARNING & FINANCIAL PLANNING LICENSE DETAILS: The information in this podcast is general in nature and does not take into account your personal circumstances, financial needs or objectives. Before acting on any information, you should consider the appropriateness of it and the relevant product having regard to your objectives, financial situation and needs. In particular, you should seek independent financial advice and read the relevant Product Disclosure Statement or other offer document prior to acquiring any financial product. Canna Campbell is an Authorised Representative and Financial Adviser of Links Licensee Services Pty Ltd AFSL No. 700012 ABN 97 678 975 589.   compounding interest, passive income, dividend investing, financial independence, wealth building, investing basics, money tips, Peter Thornhill, Einstein compound interest, financial education, women and investing, long-term investingSee omnystudio.com/listener for privacy information.

Start Here: Why You Might Owe the ATO This Year & How to Avoid It in the Future If you were expecting a juicy tax refund this year but instead got hit with a bill from the ATO you’re not alone. Thousands of Aussies, particularly younger generations like Gen Z, are finding themselves owing money at tax time. And for some, it’s not just a few hundred dollars, but thousands. In this episode of SugarMamma’s Fireplay, I break down exactly why this is happening, how to manage a tax debt if you’ve been caught out, and most importantly, the practical steps you can take to make sure this doesn’t happen again. We’ll cover: The most common reasons you might suddenly owe the ATO, from HECS/HELP debt indexation to multiple jobs, side hustles, or even forgetting to update your tax-free threshold. Why talking openly about tax bills is important for building financial literacy and resilience. What to do if you have a tax bill from calling the ATO and arranging a payment plan, to finding missed deductions. How to stop this from happening again including setting up a separate tax account, opting into PAYG instalments, and knowing what income is taxable. Why being proactive with tax planning is one of the easiest ways to protect your financial future. ✨ The big takeaway? You haven’t failed, you’re not alone, and there’s always a way forward. A tax bill can actually be a turning point, helping you understand your cashflow, improve your systems, and build confidence in managing money. HOW YOU CAN WORK WITH ME (& I CAN HELP YOU): (includes one-on-one appointment with me...) If you need help with your budget or are sick of living paycheque to paycheque, you can enrol into The SugarMamma Budget & Cashflow Academy course, which includes a one on one appointment with me so that I can help you. Enrol here: https://courses.sugarmamma.tv/Signup Also, if you want me as your Money Mindset & Manifestation coach, which includes ongoing access to my general help through motivation, clarity and support you can join below and put some game changing changes in your life!:  https://courses.sugarmamma.tv/join Stay updated & inspired... @SugarMammaTV – Money, budgeting, cashflow, motivation @CannaCampbellofficial – lifestyle, capsule wardrobe fashion, motherhood Tik Tok - https://www.tiktok.com/@sugarmammatv ADDITIONAL GENERAL ADVICE WARNING: Whilst we discuss various financial topics, this podcast is not advice in anyway, but purely for educational purposes only. Nothing in this podcast is personal advice, investment advice or product advice. With any major financial decision, you must always do your own research, consider all the pros and cons, fees, caps, limits, costs, taxes etc. Always proactively educate yourself before making any major financial decision, consider your own financial goals, deadlines and risk profile. So please bear all of this in mind when listening to this podcast and please always speak to a Financial Planner when wondering what you should do to achieve your own financial goals and dreams. GENERAL ADVICE WARNING & FINANCIAL PLANNING LICENSE DETAILS: The information in this podcast is general in nature and does not take into account your personal circumstances, financial needs or objectives. Before acting on any information, you should consider the appropriateness of it and the relevant product having regard to your objectives, financial situation and needs. In particular, you should seek independent financial advice and read the relevant Product Disclosure Statement or other offer document prior to acquiring any financial product. Canna Campbell is an Authorised Representative and Financial Adviser of Links Licensee Services Pty Ltd AFSL No. 700012 ABN 97 678 975 589.    ATO tax debt, tax refund Australia, HECS HELP debt, Gen Z tax tips, why do I owe the ATO, side hustle tax, tax-free threshold, PAYG instalments, financial literacy Australia, SugarMamma Fireplay, Canna Campbell podcastSee omnystudio.com/listener for privacy information.

Start Here: How Should I Invest $10,000 for Each of My Kids? Have your children received an inheritance or cash gift and you want to make sure it sets them up for the future? In this Start Here episode, I answer a powerful question from a listener whose three boys each received $10,000 from their grandfather. She wants to invest the money wisely and honour his legacy. If you're in a similar position, or planning ahead for your children's future, this episode walks you through the three main ways to invest money for a child and the pros and cons of each. In this episode, you’ll learn: ✅ The differences between investing in your own name, your child’s name, or as trustee✅ The potential tax implications for each option✅ How to keep investments clear, simple, and legally structured✅ Why I personally invest in my name, as trustee, using Listed Investment Companies (LICs) for each of my kids✅ How franking credits can help reduce tax and support long-term growth ✨ The truth? There’s no one-size-fits-all approach but with clarity and intention, you can make a decision that empowers your child financially for years to come. 🎧 Press play now for a breakdown that’s simple, practical, and honest. 📝 Got a question for an upcoming Start Here episode?DM me on Instagram:@sugarmamma or @cannacampbellofficialI’d love to hear from you. Let me know what you think of this episode by reaching out to me @SugarMammaTV so that we can keep this conversation going.  Here are my two books: Best Seller: The $1000 Project Book: https://amzn.to/3RV0Bnq  Mindful Money: https://amzn.to/3RV0poc  Motivated Money by Peter Thornhill: https://amzn.to/40rn2Vr Amazon affiliate links to my own books. In the meantime... HOW YOU CAN WORK WITH ME (& I CAN HELP YOU): (includes one-on-one appointment with me...) If you need help with your budget or are sick of living paycheque to paycheque, you can enrol into The SugarMamma Budget & Cashflow Academy course, which includes a one on one appointment with me so that I can help you. Enrol here: https://courses.sugarmamma.tv/Signup Also, if you want me as your Money Mindset & Manifestation coach, which includes ongoing access to my general help through motivation, clarity and support you can join below and put some game changing changes in your life!:  https://courses.sugarmamma.tv/join ADDITIONAL GENERAL ADVICE WARNING: Whilst we discuss various financial topics, this podcast is not advice in anyway, but purely for educational purposes only. Nothing in this podcast is personal advice, investment advice or product advice. With any major financial decision, you must always do your own research, consider all the pros and cons, fees, caps, limits, costs, taxes etc. Always proactively educate yourself before making any major financial decision, consider your own financial goals, deadlines and risk profile. So please bear all of this in mind when listening to this podcast and please always speak to a Financial Planner when wondering what you should do to achieve your own financial goals and dreams. GENERAL ADVICE WARNING & FINANCIAL PLANNING LICENSE DETAILS: The information in this podcast is general in nature and does not take into account your personal circumstances, financial needs or objectives. Before acting on any information, you should consider the appropriateness of it and the relevant product having regard to your objectives, financial situation and needs. In particular, you should seek independent financial advice and read the relevant Product Disclosure Statement or other offer document prior to acquiring any financial product. Canna Campbell is an Authorised Representative and Financial Adviser of Links Licensee Services Pty Ltd AFSL No. 700012 ABN 97 678 975 589.   See omnystudio.com/listener for privacy information.

If you are retired or approaching retirement, this episode is essential listening for you. By understanding the power and security of this very simple savings strategy, AKA "My Sleep Well" strategy, you can help give your retirement goals a greater level of support, longevity and quite possibly even capitalise on long term opportunity. If you find this episode helpful, you want to hear more, or if you have any questions, please feel free to reach to me on Instagram @SugarMammaTV or @CannaCampbellofficial In the meantime, if you could please send this episode to your friends or family members, I would greatly appreciate it. ADDITIONAL GENERAL ADVICE WARNING: Whilst we discuss various financial topics, this podcast is not advice in anyway, but purely for educational purposes only. Nothing in this podcast is personal advice, investment advice or product advice. With any major financial decision, you must always do your own research, consider all the pros and cons, fees, caps, limits, costs, taxes etc. Always proactively educate yourself before making any major financial decision, consider your own financial goals, deadlines and risk profile. So please bear all of this in mind when listening to this podcast and please always speak to a Financial Planner when wondering what you should do to achieve your own financial goals and dreams. GENERAL ADVICE WARNING & FINANCIAL PLANNING LICENSE DETAILS: The information in this podcast is general in nature and does not take into account your personal circumstances, financial needs or objectives. Before acting on any information, you should consider the appropriateness of it and the relevant product having regard to your objectives, financial situation and needs. In particular, you should seek independent financial advice and read the relevant Product Disclosure Statement or other offer document prior to acquiring any financial product. Canna Campbell is an Authorised Representative and Financial Adviser of Links Licensee Services Pty Ltd AFSL No. 700012 ABN 97 678 975 589.  Canna Campbell is an Authorised Representative and Financial Adviser of Links Licensee Services Pty Ltd AFSL No. 700012 ABN 97 678 975 589. See omnystudio.com/listener for privacy information.

Have you found yourself relying on Afterpay, Zip, Klarna or any Buy Now, Pay Later service just to get through the week? You’re not alone. And there’s zero shame here.But if BNPL has quietly built up into overwhelming debt, it’s time to take back control. In this Start Here episode, I walk you through five powerful, practical steps to break the BNPL cycle and build a stronger, more intentional financial foundation. Whether you’re feeling embarrassed, stuck, or scared of opening your inbox, this episode is your calm, clear plan forward. This is about progress, not perfection. In this episode, you’ll learn: ✅ What to say when you call BNPL providers and ask for hardship support✅ Why you must stop using BNPL immediately and what to use instead✅ How to create a clear and conscious budget that works in real life✅ The importance of daily or weekly debt tracking to stay motivated✅ Why building an emergency fund and a lifestyle fund is non-negotiable for long-term freedom ✨ Remember: You don’t have to live in financial stress. You can create a life of clarity, confidence, and calm, one step at a time. 🎧 Press play now and if this helped you, please share it with someone else who might be quietly struggling too. 📝 DM me your questions on Instagram:@sugarmamma or @cannacampbellofficialI just might answer it in an upcoming Start Here episode! Let me know what you think of this episode by reaching out to me @SugarMammaTV so that we can keep this conversation going.  Here are my two books: Best Seller: The $1000 Project Book: https://amzn.to/3RV0Bnq  Mindful Money: https://amzn.to/3RV0poc  Motivated Money by Peter Thornhill: https://amzn.to/40rn2Vr Amazon affiliate links to my own books. In the meantime... HOW YOU CAN WORK WITH ME (& I CAN HELP YOU): (includes one-on-one appointment with me...) If you need help with your budget or are sick of living paycheque to paycheque, you can enrol into The SugarMamma Budget & Cashflow Academy course, which includes a one on one appointment with me so that I can help you. Enrol here: https://courses.sugarmamma.tv/Signup Also, if you want me as your Money Mindset & Manifestation coach, which includes ongoing access to my general help through motivation, clarity and support you can join below and put some game changing changes in your life!:  https://courses.sugarmamma.tv/join ADDITIONAL GENERAL ADVICE WARNING: Whilst we discuss various financial topics, this podcast is not advice in anyway, but purely for educational purposes only. Nothing in this podcast is personal advice, investment advice or product advice. With any major financial decision, you must always do your own research, consider all the pros and cons, fees, caps, limits, costs, taxes etc. Always proactively educate yourself before making any major financial decision, consider your own financial goals, deadlines and risk profile. So please bear all of this in mind when listening to this podcast and please always speak to a Financial Planner when wondering what you should do to achieve your own financial goals and dreams. GENERAL ADVICE WARNING & FINANCIAL PLANNING LICENSE DETAILS: The information in this podcast is general in nature and does not take into account your personal circumstances, financial needs or objectives. Before acting on any information, you should consider the appropriateness of it and the relevant product having regard to your objectives, financial situation and needs. In particular, you should seek independent financial advice and read the relevant Product Disclosure Statement or other offer document prior to acquiring any financial product. Canna Campbell is an Authorised Representative and Financial Adviser of Links Licensee Services Pty Ltd AFSL No. 700012 ABN 97 678 975 589.   See omnystudio.com/listener for privacy information.

Welcome back to SugarMamma’s Fireplay, the podcast where we explore all things financial independence, early retirement, and long-term financial freedom, with honesty, empathy, and a touch of elegance. Today, I’m so excited to be joined by Michelle, a self-employed mum of two, who, along with her husband, has been building a life of freedom, purpose and balance through the FIRE movement.  In this conversation, we unpack why women often approach FIRE differently than men and how that difference can actually be a powerful advantage. We’ll talk about lifestyle design, parenting with purpose, money in marriage, and how to build financial freedom with children in the picture, not in spite of them. Whether you're starting from scratch or already on your way to FIRE, Michelle’s story is going to inspire you to think more intentionally about your own financial future and help you realise you absolutely can build a life of meaning, time freedom and wealth. Additional notes kindly provided for further clarity and motivation by Michelle: We are aiming to withdraw between $120,000-$140,000 per annum in the next two years from our portfolio so that we can move down to part-time, being 1-2 days a week of paid work. This consists only of dividends and the rent from one property we own. The long-term goal is that we'd be able to access between $280,000-$320,000 per year in passive income when we finally down tools for good. We're now thinking that that will be by the time I'm 50 and will have to include passive income from all sources (rental income from all properties, super and dividends). The value of our investments is due to have compounded to a stage then that is factored into those calculations. Closer to, we will have to do more comprehensive tax planning. ADDITIONAL GENERAL ADVICE WARNING: Whilst we discuss various financial topics, this podcast is not advice in anyway, but purely for educational purposes only. Nothing in this podcast is personal advice, investment advice or product advice. With any major financial decision, you must always do your own research, consider all the pros and cons, fees, caps, limits, costs, taxes etc. Always proactively educate yourself before making any major financial decision, consider your own financial goals, deadlines and risk profile. So please bear all of this in mind when listening to this podcast and please always speak to a Financial Planner when wondering what you should do to achieve your own financial goals and dreams. GENERAL ADVICE WARNING & FINANCIAL PLANNING LICENSE DETAILS: The information in this podcast is general in nature and does not take into account your personal circumstances, financial needs or objectives. Before acting on any information, you should consider the appropriateness of it and the relevant product having regard to your objectives, financial situation and needs. In particular, you should seek independent financial advice and read the relevant Product Disclosure Statement or other offer document prior to acquiring any financial product. Canna Campbell is an Authorised Representative and Financial Adviser of Links Licensee Services Pty Ltd AFSL No. 700012 ABN 97 678 975 589. See omnystudio.com/listener for privacy information.

Start Here: How to Get on Top of Your Finances When You've Been Avoiding It for Years 💬 Podcast Description:If you've spent years avoiding your finances—feeling overwhelmed, stuck, and unsure where to even begin—this episode is for you. In response to a heartfelt DM from a listener who's spent the last 20 years dodging financial stress and is finally ready to make a change, we’re diving into how to take those first empowering steps toward financial clarity and control. Whether your income is irregular, your expenses unpredictable, or your mindset frozen by fear, I share a gentle but practical plan to get started. We explore how to set up a flexible but functional budget, how to smooth out inconsistent income using my drip-feed strategy, how to set achievable goals, and how to begin building a more secure financial future—even if you're starting later in life. Plus, I talk about: Reclaiming your confidence after past mistakes Creating financial stability when your partner’s income is sporadic Setting personal and retirement goals at age 52 and beyond Why it’s never too late to get better with money This episode is filled with encouragement, step-by-step guidance, and a reminder that hope is a strategy—when paired with action. 📌 Whether you're barely getting by or just unsure how to build momentum, this is your starting point. Let me know what you think of this episode by reaching out to me @SugarMammaTV so that we can keep this conversation going.  Here are my two books: Best Seller: The $1000 Project Book: https://amzn.to/3RV0Bnq  Mindful Money: https://amzn.to/3RV0poc  Motivated Money by Peter Thornhill: https://amzn.to/40rn2Vr Amazon affiliate links to my own books. In the meantime... HOW YOU CAN WORK WITH ME (& I CAN HELP YOU): (includes one-on-one appointment with me...) If you need help with your budget or are sick of living paycheque to paycheque, you can enrol into The SugarMamma Budget & Cashflow Academy course, which includes a one on one appointment with me so that I can help you. Enrol here: https://courses.sugarmamma.tv/Signup Also, if you want me as your Money Mindset & Manifestation coach, which includes ongoing access to my general help through motivation, clarity and support you can join below and put some game changing changes in your life!:  https://courses.sugarmamma.tv/join Stay updated & inspired... @SugarMammaTV – Money, budgeting, cashflow, motivation @CannaCampbellofficial – lifestyle, capsule wardrobe fashion, motherhood Tik Tok - https://www.tiktok.com/@sugarmammatv My YouTube channel - over 500 bite size videos with over 12,000,000 views! https://www.youtube.com/c/SugarMamma www.SugarMammaTV.com  Also, don't forget about my other podcast channel, "How Do They Afford That?" https://podcasts.apple.com/au/podcast/how-do-they-afford-that/id1644255235 ADDITIONAL GENERAL ADVICE WARNING: Whilst we discuss various financial topics, this podcast is not advice in anyway, but purely for educational purposes only. Nothing in this podcast is personal advice, investment advice or product advice. With any major financial decision, you must always do your own research, consider all the pros and cons, fees, caps, limits, costs, taxes etc. Always proactively educate yourself before making any major financial decision, consider your own financial goals, deadlines and risk profile. So please bear all of this in mind when listening to this podcast and please always speak to a Financial Planner when wondering what you should do to achieve your own financial goals and dreams. GENERAL ADVICE WARNING & FINANCIAL PLANNING LICENSE DETAILS: The information in this podcast is general in nature and does not take into account your personal circumstances, financial needs or objectives. Before acting on any information, you should consider the appropriateness of it and the relevant product having regard to your objectives, financial situation and needs. In particular, you should seek independent financial advice and read the relevant Product Disclosure Statement or other offer document prior to acquiring any financial product. Canna Campbell is an Authorised Representative and Financial Adviser of Links Licensee Services Pty Ltd AFSL No. 700012 ABN 97 678 975 589.   See omnystudio.com/listener for privacy information.

In this empowering episode of SugarMamma’s Fireplay, we meet Jessie a remarkable young woman who defied the odds and bought her first home in regional NSW without any financial help from family. Growing up in housing commission, Jessie knew she wanted to create a different life for herself and together with her partner, she saved $73,000 to make it happen. We talk about the emotional and financial journey from poverty to property, the importance of mindset, and the practical strategies that got her there. Jessie proves that your past doesn’t define your future and that building wealth is possible, even when you start with nothing but determination. ✨ Whether you’re starting from scratch or doubting what’s possible, this is the episode to remind you that financial freedom is within reach. ADDITIONAL GENERAL ADVICE WARNING: Whilst we discuss various financial topics, this podcast is not advice in anyway, but purely for educational purposes only. Nothing in this podcast is personal advice, investment advice or product advice. With any major financial decision, you must always do your own research, consider all the pros and cons, fees, caps, limits, costs, taxes etc. Always proactively educate yourself before making any major financial decision, consider your own financial goals, deadlines and risk profile. So please bear all of this in mind when listening to this podcast and please always speak to a Financial Planner when wondering what you should do to achieve your own financial goals and dreams. GENERAL ADVICE WARNING & FINANCIAL PLANNING LICENSE DETAILS: The information in this podcast is general in nature and does not take into account your personal circumstances, financial needs or objectives. Before acting on any information, you should consider the appropriateness of it and the relevant product having regard to your objectives, financial situation and needs. In particular, you should seek independent financial advice and read the relevant Product Disclosure Statement or other offer document prior to acquiring any financial product. Canna Campbell is an Authorised Representative and Financial Adviser of Links Licensee Services Pty Ltd AFSL No. 700012 ABN 97 678 975 589.   See omnystudio.com/listener for privacy information.

Start Here: I Lost My Super… What Do I Do Now? 💬 Podcast Description:What happens when the unthinkable happens—your superannuation disappears? This episode is a response to a brave listener who recently discovered that her $130,000 superannuation balance had been reduced to just $13,000 overnight after the fund went into liquidation. We unpack the emotional, legal, and financial chaos that comes with losing your super and how to rebuild when trust is shattered and the road ahead feels overwhelming. In this episode, I guide you through:🔹 What happens when a super fund collapses and ASIC gets involved🔹 How to begin recovering from financial trauma🔹 What to look for when choosing a new, trustworthy super fund🔹 How to rebuild your retirement savings when you're in your 40s or 50s🔹 Low-cost, accessible ways to find licensed and affordable financial advice🔹 Why your mindset and next steps matter more than ever This episode is for anyone who has experienced financial loss—whether through a bad investment, a scam, or a system failure—and needs a compassionate, practical path forward. ⚠️ If you've ever felt too scared, ashamed, or lost to take the next step with your finances, this episode will empower you to start again—with clarity and strength.See omnystudio.com/listener for privacy information.

In this episode of SugarMamma’s Fireplay, I sit down with an incredible mum from NT, who shares her real, raw and deeply relatable journey to financial independence. From living and working remotely for nearly a decade, to buying an investment property without much research (because everyone said “that’s what you should do”) — her story is filled with lessons, honesty, and hope. When she read The Barefoot Investor and The $1000 Project, everything changed. She and her husband created a plan, started investing small $2,000 parcels into ETFs and LICs, and took total control of their finances. Fast forward to 2024: they’re mortgage-free, investing in $10K parcels, and on track to reach Barista FIRE by 2030 — all while still living simply, joyfully, and intentionally. She proves you don’t need to live a flashy life or earn a huge income to build wealth — just clarity, consistency, and purpose. We cover: The turning point that transformed their financial future Selling an underperforming investment property and using the equity wisely Becoming completely mortgage-free by age 34 How they built a $1.5 million net worth with a focus on ETFs What Barista FIRE looks like for their family Real-life budgeting habits they still use today — from $200 ‘fun money’ to skipping Uber Eats Why living below your means isn’t about deprivation — it’s about empowerment This is an episode full of encouragement and proof that smart money moves, no matter how small, compound over time. It’s perfect for anyone feeling stuck, behind, or unsure of how to start. 💫 Connect with Me:Instagram: @SugarMammaTVTikTok: @SugarMammaWebsite: www.SugarMamma.TV ADDITIONAL GENERAL ADVICE WARNING: Whilst we discuss various financial topics, this podcast is not advice in anyway, but purely for educational purposes only. Nothing in this podcast is personal advice, investment advice or product advice. With any major financial decision, you must always do your own research, consider all the pros and cons, fees, caps, limits, costs, taxes etc. Always proactively educate yourself before making any major financial decision, consider your own financial goals, deadlines and risk profile. So please bear all of this in mind when listening to this podcast and please always speak to a Financial Planner when wondering what you should do to achieve your own financial goals and dreams. GENERAL ADVICE WARNING & FINANCIAL PLANNING LICENSE DETAILS: The information in this podcast is general in nature and does not take into account your personal circumstances, financial needs or objectives. Before acting on any information, you should consider the appropriateness of it and the relevant product having regard to your objectives, financial situation and needs. In particular, you should seek independent financial advice and read the relevant Product Disclosure Statement or other offer document prior to acquiring any financial product. Canna Campbell is an Authorised Representative and Financial Adviser of Links Licensee Services Pty Ltd AFSL No. 700012 ABN 97 678 975 589. See omnystudio.com/listener for privacy information.

In this Start Here episode of SugarMamma’s Fireplay, Canna answers a listener’s powerful question: Is it really possible to achieve Financial Independence and Retire Early (FIRE) without owning property?Whether you're renting by choice or circumstance, this episode will walk you through how to build long-term wealth and security using shares, superannuation, and smart money habits — no mortgage required.Discover how to define financial freedom on your own terms, and why owning a home isn’t the only path to a confident, abundant future. Here are my two books: Best Seller: The $1000 Project Book: https://amzn.to/3RV0Bnq  Mindful Money: https://amzn.to/3RV0poc  Motivated Money by Peter Thornhill: https://amzn.to/40rn2Vr Amazon affiliate links to my own books. In the meantime... HOW YOU CAN WORK WITH ME (& I CAN HELP YOU): (includes one-on-one appointment with me...) If you need help with your budget or are sick of living paycheque to paycheque, you can enrol into The SugarMamma Budget & Cashflow Academy course, which includes a one on one appointment with me so that I can help you. Enrol here: https://courses.sugarmamma.tv/Signup Also, if you want me as your Money Mindset & Manifestation coach, which includes ongoing access to my general help through motivation, clarity and support you can join below and put some game changing changes in your life!:  https://courses.sugarmamma.tv/join Stay updated & inspired... @SugarMammaTV – Money, budgeting, cashflow, motivation @CannaCampbellofficial – lifestyle, capsule wardrobe fashion, motherhood Tik Tok - https://www.tiktok.com/@sugarmammatv My YouTube channel - over 500 bite size videos with over 12,000,000 views! https://www.youtube.com/c/SugarMamma www.SugarMammaTV.com  Also, don't forget about my other podcast channel, "How Do They Afford That?" https://podcasts.apple.com/au/podcast/how-do-they-afford-that/id1644255235 ADDITIONAL GENERAL ADVICE WARNING: Whilst we discuss various financial topics, this podcast is not advice in anyway, but purely for educational purposes only. Nothing in this podcast is personal advice, investment advice or product advice. With any major financial decision, you must always do your own research, consider all the pros and cons, fees, caps, limits, costs, taxes etc. Always proactively educate yourself before making any major financial decision, consider your own financial goals, deadlines and risk profile. So please bear all of this in mind when listening to this podcast and please always speak to a Financial Planner when wondering what you should do to achieve your own financial goals and dreams. GENERAL ADVICE WARNING & FINANCIAL PLANNING LICENSE DETAILS: The information in this podcast is general in nature and does not take into account your personal circumstances, financial needs or objectives. Before acting on any information, you should consider the appropriateness of it and the relevant product having regard to your objectives, financial situation and needs. In particular, you should seek independent financial advice and read the relevant Product Disclosure Statement or other offer document prior to acquiring any financial product. Canna Campbell is an Authorised Representative and Financial Adviser of Links Licensee Services Pty Ltd AFSL No. 700012 ABN 97 678 975 589.     See omnystudio.com/listener for privacy information.

Buying a property can be overwhelming, even if you have bought before. In this episode of SugarMamma's Fireplay, I break down some of the various options and support that may be available to you, if you want to buy a home of your own. Let me know if there is one option that you want me to break down in more detail?  Let me know what you think of this episode by reaching out to me @SugarMammaTV so that we can keep this conversation going.  Here are my two books: Best Seller: The $1000 Project Book: https://amzn.to/3RV0Bnq  Mindful Money: https://amzn.to/3RV0poc  Motivated Money by Peter Thornhill: https://amzn.to/40rn2Vr Amazon affiliate links to my own books. In the meantime... HOW YOU CAN WORK WITH ME (& I CAN HELP YOU): (includes one-on-one appointment with me...) If you need help with your budget or are sick of living paycheque to paycheque, you can enrol into The SugarMamma Budget & Cashflow Academy course, which includes a one on one appointment with me so that I can help you. Enrol here: https://courses.sugarmamma.tv/Signup Also, if you want me as your Money Mindset & Manifestation coach, which includes ongoing access to my general help through motivation, clarity and support you can join below and put some game changing changes in your life!:  https://courses.sugarmamma.tv/join Stay updated & inspired... @SugarMammaTV – Money, budgeting, cashflow, motivation @CannaCampbellofficial – lifestyle, capsule wardrobe fashion, motherhood Tik Tok - https://www.tiktok.com/@sugarmammatv My YouTube channel - over 500 bite size videos with over 12,000,000 views! https://www.youtube.com/c/SugarMamma www.SugarMammaTV.com  Also, don't forget about my other podcast channel, "How Do They Afford That?" https://podcasts.apple.com/au/podcast/how-do-they-afford-that/id1644255235 ADDITIONAL GENERAL ADVICE WARNING: Whilst we discuss various financial topics, this podcast is not advice in anyway, but purely for educational purposes only. Nothing in this podcast is personal advice, investment advice or product advice. With any major financial decision, you must always do your own research, consider all the pros and cons, fees, caps, limits, costs, taxes etc. Always proactively educate yourself before making any major financial decision, consider your own financial goals, deadlines and risk profile. So please bear all of this in mind when listening to this podcast and please always speak to a Financial Planner when wondering what you should do to achieve your own financial goals and dreams. GENERAL ADVICE WARNING & FINANCIAL PLANNING LICENSE DETAILS: The information in this podcast is general in nature and does not take into account your personal circumstances, financial needs or objectives. Before acting on any information, you should consider the appropriateness of it and the relevant product having regard to your objectives, financial situation and needs. In particular, you should seek independent financial advice and read the relevant Product Disclosure Statement or other offer document prior to acquiring any financial product. Canna Campbell is an Authorised Representative and Financial Adviser of Links Licensee Services Pty Ltd AFSL No. 700012 ABN 97 678 975 589.       See omnystudio.com/listener for privacy information.

I feel like this question is so relatable. The analysis paralysis of what to do. Pay more into super or pay more off the home loan. Regardless of this interest free loan, this is such a common question and scenario that so many of us face at one stage of our lives. Hopefully this general information provided in this episode creates some clarity and direction. To send your "Start Here" question in - simply DM me one Instagram. Your information will remain confidential. https://www.instagram.com/sugarmammatv/?hl=en  Here are my two books: Best Seller: The $1000 Project Book: https://amzn.to/3RV0Bnq  Mindful Money: https://amzn.to/3RV0poc  Amazon affiliate links to my own books. In the meantime... HOW YOU CAN WORK WITH ME (& I CAN HELP YOU): (includes one-on-one appointment with me...) If you need help with your budget or are sick of living paycheque to paycheque, you can enrol into The SugarMamma Budget & Cashflow Academy course, which includes a one on one appointment with me so that I can help you. Enrol here: https://courses.sugarmamma.tv/Signup Also, if you want me as your Money Mindset & Manifestation coach, which includes ongoing access to my general help through motivation, clarity and support you can join below and put some game changing changes in your life!:  https://courses.sugarmamma.tv/join Stay updated & inspired... @SugarMammaTV – Money, budgeting, cashflow, motivation @CannaCampbellofficial – lifestyle, capsule wardrobe fashion, motherhood Tik Tok - https://www.tiktok.com/@sugarmammatv My YouTube channel - over 500 bite size videos with over 12,000,000 views! https://www.youtube.com/c/SugarMamma www.SugarMammaTV.com  Also, don't forget about my other podcast channel, "How Do They Afford That?" https://podcasts.apple.com/au/podcast/how-do-they-afford-that/id1644255235 ADDITIONAL GENERAL ADVICE WARNING: Whilst we discuss various financial topics, this podcast is not advice in anyway, but purely for educational purposes only. Nothing in this podcast is personal advice, investment advice or product advice. With any major financial decision, you must always do your own research, consider all the pros and cons, fees, caps, limits, costs, taxes etc. Always proactively educate yourself before making any major financial decision, consider your own financial goals, deadlines and risk profile. So please bear all of this in mind when listening to this podcast and please always speak to a Financial Planner when wondering what you should do to achieve your own financial goals and dreams. GENERAL ADVICE WARNING & FINANCIAL PLANNING LICENSE DETAILS: The information in this podcast is general in nature and does not take into account your personal circumstances, financial needs or objectives. Before acting on any information, you should consider the appropriateness of it and the relevant product having regard to your objectives, financial situation and needs. In particular, you should seek independent financial advice and read the relevant Product Disclosure Statement or other offer document prior to acquiring any financial product. Canna Campbell is an Authorised Representative and Financial Adviser of Links Licensee Services Pty Ltd AFSL No. 700012 ABN 97 678 975 589.     See omnystudio.com/listener for privacy information.

The decision to combine funds and even invest is a big crossroad and should be taken slowly and carefully, but not before asking all the right questions. Transparency, honesty and respect are essential and a non-negotiable for both parties. So in this episode, I just through all the awkward chit chat and get down and dirty what what you need to ask and what you should share. Let me know what you think of this episode by reaching out to me @SugarMammaTV so that we can keep this conversation going, and don't forget, you can also send your own "Start Here" questions in.  Here are my two books: Best Seller: The $1000 Project Book: https://amzn.to/3RV0Bnq  Mindful Money: https://amzn.to/3RV0poc  (affiliate links) In the meantime... HOW YOU CAN WORK WITH ME (& I CAN HELP YOU): (includes one-on-one appointment with me...) If you need help with your budget or are sick of living paycheque to paycheque, you can enrol into The SugarMamma Budget & Cashflow Academy course, which includes a one on one appointment with me so that I can help you. Enrol here: https://courses.sugarmamma.tv/Signup Also, if you want me as your Money Mindset & Manifestation coach, which includes ongoing access to my general help through motivation, clarity and support you can join below and put some game changing changes in your life!:  https://courses.sugarmamma.tv/join Stay updated & inspired... @SugarMammaTV – Money, budgeting, cashflow, motivation @CannaCampbellofficial – lifestyle, capsule wardrobe fashion, motherhood Tik Tok - https://www.tiktok.com/@sugarmammatv My YouTube channel - over 500 bite size videos with over 12,000,000 views! https://www.youtube.com/c/SugarMamma www.SugarMammaTV.com  Also, don't forget about my other podcast channel, "How Do They Afford That?" https://podcasts.apple.com/au/podcast/how-do-they-afford-that/id1644255235 ADDITIONAL GENERAL ADVICE WARNING: Whilst we discuss various financial topics, this podcast is not advice in anyway, but purely for educational purposes only. Nothing in this podcast is personal advice, investment advice or product advice. With any major financial decision, you must always do your own research, consider all the pros and cons, fees, caps, limits, costs, taxes etc. Always proactively educate yourself before making any major financial decision, consider your own financial goals, deadlines and risk profile. So please bear all of this in mind when listening to this podcast and please always speak to a Financial Planner when wondering what you should do to achieve your own financial goals and dreams. GENERAL ADVICE WARNING & FINANCIAL PLANNING LICENSE DETAILS: The information in this podcast is general in nature and does not take into account your personal circumstances, financial needs or objectives. Before acting on any information, you should consider the appropriateness of it and the relevant product having regard to your objectives, financial situation and needs. In particular, you should seek independent financial advice and read the relevant Product Disclosure Statement or other offer document prior to acquiring any financial product. Canna Campbell is an Authorised Representative and Financial Adviser of Links Licensee Services Pty Ltd AFSL No. 700012 ABN 97 678 975 589.   See omnystudio.com/listener for privacy information.

You can outgrow this, it doesn't define you. My key message for anyone that carries a similar heavy heart like this listener has experienced over money. This listener is brave, honest and ready to continue on with her personal growth and financial journey. A powerful combination and it is an absolute honour to be able to share her story with her full consent. Here are my two books: Best Seller: The $1000 Project Book: https://amzn.to/3RV0Bnq  Mindful Money: https://amzn.to/3RV0poc  Amazon affiliate links to my own books. In the meantime... HOW YOU CAN WORK WITH ME (& I CAN HELP YOU): (includes one-on-one appointment with me...) If you need help with your budget or are sick of living paycheque to paycheque, you can enrol into The SugarMamma Budget & Cashflow Academy course, which includes a one on one appointment with me so that I can help you. Enrol here: https://courses.sugarmamma.tv/Signup Also, if you want me as your Money Mindset & Manifestation coach, which includes ongoing access to my general help through motivation, clarity and support you can join below and put some game changing changes in your life!:  https://courses.sugarmamma.tv/join Stay updated & inspired... @SugarMammaTV – Money, budgeting, cashflow, motivation @CannaCampbellofficial – lifestyle, capsule wardrobe fashion, motherhood Tik Tok - https://www.tiktok.com/@sugarmammatv My YouTube channel - over 500 bite size videos with over 12,000,000 views! https://www.youtube.com/c/SugarMamma www.SugarMammaTV.com  Also, don't forget about my other podcast channel, "How Do They Afford That?" https://podcasts.apple.com/au/podcast/how-do-they-afford-that/id1644255235 ADDITIONAL GENERAL ADVICE WARNING: Whilst we discuss various financial topics, this podcast is not advice in anyway, but purely for educational purposes only. Nothing in this podcast is personal advice, investment advice or product advice. With any major financial decision, you must always do your own research, consider all the pros and cons, fees, caps, limits, costs, taxes etc. Always proactively educate yourself before making any major financial decision, consider your own financial goals, deadlines and risk profile. So please bear all of this in mind when listening to this podcast and please always speak to a Financial Planner when wondering what you should do to achieve your own financial goals and dreams. GENERAL ADVICE WARNING & FINANCIAL PLANNING LICENSE DETAILS: The information in this podcast is general in nature and does not take into account your personal circumstances, financial needs or objectives. Before acting on any information, you should consider the appropriateness of it and the relevant product having regard to your objectives, financial situation and needs. In particular, you should seek independent financial advice and read the relevant Product Disclosure Statement or other offer document prior to acquiring any financial product. Canna Campbell is an Authorised Representative and Financial Adviser of Links Licensee Services Pty Ltd AFSL No. 700012 ABN 97 678 975 589.       See omnystudio.com/listener for privacy information.