SugarMamma’s Fireplay

Imagine turning 18 and gaining access to $25,000 that’s been sitting in trust since childhood. What would you do with it? keep it safe in cash, invest it for the long term, or a mix of both? In this Start Here episode of SugarMamma’s Fireplay, I respond to a thoughtful mum whose daughter is about to receive compensation money from a childhood accident. The money has grown only modestly with inflation over the last 15 years (to around $31,000 today), and her mother wants to guide her wisely. This episode is about more than dollars, it’s about education, empowerment, and helping a young woman build confidence with money. Here’s what we cover: 💰 Cash for short-term goals - why money needed in the next few years (car, study, housing) should stay in cash for safety. 📈 Investing for the long term - how shares, LICs, and ETFs can grow over decades, and the importance of risk profiling. 🔀 Splitting the difference - why she doesn’t have to choose all or nothing, and how a “buckets” approach can provide both security and growth. 📚 Learning first - why reading personal finance books and listening to podcasts helps young people take ownership of their money decisions. 👩‍🎓 Superannuation - why setting this up early with the right investment option creates a powerful head start. ⚡ Advanced strategies (later in life) - an introduction to gearing (borrowing to invest), why it’s higher risk, and why it should only be considered in the future with proper advice. ✨ The bigger picture - how this money is not just a gift, but an opportunity to become a strong, independent, and financially confident woman. The key takeaway? There’s no single “right” answer -  but with education, patience, and empowerment, this gift can become the foundation of lifelong financial freedom. 💬 Let’s Keep the Conversation Going I’d love to hear your thoughts on this episode! Reach out to me anytime on Instagram @SugarMammaTV so we can keep this important conversation alive. 📚 My Books If you’re ready to deepen your financial knowledge, check out my books: Best Seller:The $1000 Project **Mindful Money](https://amzn.to/3RV0poc) Motivated Money by Peter Thornhill(a huge inspiration for me): Read it here (These are Amazon affiliate links to my own books.) 💡 Work With Me Want more support on your financial journey? Here’s how we can work together: The SugarMamma Budget & Cashflow AcademySick of living paycheque to paycheque or feeling overwhelmed by your money?This course includes aone-on-one appointment with me so I can personally help you.👉 Enrol here Money Mindset & Manifestation CoachingJoin my program for ongoing support, clarity, and motivation. You’ll get direct access to me and a community of like-minded people ready to make powerful change.👉Join here 🌟 Stay Connected & Inspired Instagram:@SugarMammaTV — money, budgeting, cashflow & motivation Instagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhood TikTok:@SugarMammaTV YouTube:SugarMammaTV — over 500 bite-sized videos with more than 12 million views! Website:SugarMamma.TV Don’t forget my other podcast:How Do They Afford That? 👉 Listen here ⚖️ General Advice Warning While we discuss financial topics, everything shared here is general information only — never personal, product, or investment advice. Always: Do your own research. Weigh up the pros, cons, fees, caps, taxes, and risks. Seek professional advice before making financial decisions. 📜 Financial Planning License Details The information in this podcast does not take into account your personal circumstances, goals, or needs. Always read relevant Product Disclosure Statements before acquiring any financial product, and seek independent financial advice where appropriate. Canna Campbell is an Authorised Representative and Financial Adviser of Links Licensee Services Pty Ltd (AFSL No. 700012 | ABN 97 678 975 589).    trust fund advice, 18th birthday money, $25,000 compensation, investing for young adults, should I invest or save, beginner investing Australia, LICs and ETFs explained, superannuation for young people, gearing explained, SugarMamma Fireplay, Canna Campbell podcastSee omnystudio.com/listener for privacy information.

In this deeply personal and transformative episode, I share with you my experience in confronting my fears and doing the work I needed to do, to help myself. I am talking about the Phoenix Program, created by Jamie Ryder, who is a coach, trauma educator and just a lovely caring person. After completing the program myself, I felt called to share this conversation with you because it helped me connect the dots between emotional healing, inner strength, and how these ripple out into every area of our lives—including finances, relationships, and personal power. The Phoenix Program is a self-paced, supportive journey that helps you shift from pain to purpose—with real, practical tools and perfect for anyone who wants change and is ready to do the work.  If you are interested, I highly recommend reaching out to Jamie via his website or checking out his TikTok account which has so much FREE information about healing.  See omnystudio.com/listener for privacy information.

In this Start Here episode, I tackle a thoughtful and highly relevant question:“Should I reinvest my dividends OR use them to pay down my mortgage?” As a Financial Planner and dividend-focused investor, I help unpack this decision from both a practical and mindset perspective. Explaining how each option can serve different goals and life stages, and how to think clearly about risk, return, and long-term financial freedom. 🔍 In This Episode, You’ll Learn: What dividends are and why they’re powerful The benefits of reinvesting dividends for compound growth When it might make sense to direct dividends to pay down debt How to weigh interest saved vs income earned Why there’s no "one-size-fits-all" approach How to stay focused on your goals and timeline The importance of having a clear passive income target 💬 Let’s Keep the Conversation Going I’d love to hear your thoughts on this episode! Reach out to me anytime on Instagram @SugarMammaTV so we can keep this important conversation alive. 📚 My Books If you’re ready to deepen your financial knowledge, check out my books: Best Seller: The $1000 Project **Mindful Money](https://amzn.to/3RV0poc) Motivated Money by Peter Thornhill (a huge inspiration for me): Read it here (These are Amazon affiliate links to my own books.) 💡 Work With Me Want more support on your financial journey? Here’s how we can work together: The SugarMamma Budget & Cashflow AcademySick of living paycheque to paycheque or feeling overwhelmed by your money?This course includes a one-on-one appointment with me so I can personally help you.👉 Enrol here Money Mindset & Manifestation CoachingJoin my program for ongoing support, clarity, and motivation. You’ll get direct access to me and a community of like-minded people ready to make powerful change.👉 Join here 🌟 Stay Connected & Inspired Instagram: @SugarMammaTV — money, budgeting, cashflow & motivation Instagram: @CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhood TikTok: @SugarMammaTV YouTube: SugarMammaTV — over 500 bite-sized videos with more than 12 million views! Website: www.SugarMamma.TV Don’t forget my other podcast: How Do They Afford That? 👉 Listen here ⚖️ General Advice Warning While we discuss financial topics, everything shared here is general information only — never personal, product, or investment advice. Always: Do your own research. Weigh up the pros, cons, fees, caps, taxes, and risks. Seek professional advice before making financial decisions. 📜 Financial Planning License Details The information in this podcast does not take into account your personal circumstances, goals, or needs. Always read relevant Product Disclosure Statements before acquiring any financial product, and seek independent financial advice where appropriate. Canna Campbell is an Authorised Representative and Financial Adviser of Links Licensee Services Pty Ltd (AFSL No. 700012 | ABN 97 678 975 589). ✨ This version keeps all your links but makes it cleaner, easier to scan, and more compelling. Would you like me to also create a condensed version (like a “lite” backend note) that you can quickly drop into platforms where space is tighter, e.g., Spotify or Apple Podcasts descriptions?See omnystudio.com/listener for privacy information.

Investing time upfront to understand each other's goals, dreams but also values and boundaries, is always a wise bet and will only add to your financial efficiency in building sustainable wealth. When you can understand and respect yours and your partner's position, making big financial decisions will be so much more enjoyable and harmonious.  These questions and insights provided by Adam McCabe offer brilliant conversation starters, which can allow mindful planning around buying a property together. As you will hear, it is never simple and straightforward but prioritising discussing these questions together will clear the air and help minimise potential dangers and risks of things going sour.  Should you ever want to speak with Adam McCabe at Blue Lantern about your home goals, whether it be buying, refinancing or even debt recycling, he can be contacted on 0423 685 133 or [email protected]  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.SugarMamma.TV 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.

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 Website: 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.   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.SugarMamma.TV 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.SugarMamma.TV 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.SugarMamma.TV 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.SugarMamma.TV 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.SugarMamma.TV 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.SugarMamma.TV 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.

If the only thing stopping you from investing in shares, is trying to workout the best stocks to invest in, can I gently recommend that you learn about the power of LISTED INVESTMENT COMPANIES AKA LICs. In this episode I explain why this is one of my favourite investment tools to help build a quality diversified investment portfolio and start earning passive income via dividends. Not that this is product advice ever, however, when you learn about the benefits (as well as costs) of LICs, you may see this is the answer that you have been looking for to simply get started with your investing journey. Also, please note that I refer to SOL as a LIC, this is actually not 100% accurate as it is more of an investment conglomerate. Whilst I own SOL, I was a shareholder in Milton (which was a LIC), which was purchased by SOL. My apologies for any confusion caused.  If this episode resonates with you, please listen to this episode where I interview Angus Gluskie from Whitefield (one of Australia's oldest LICS) about how LICs invest, pay tax effective dividends and help reduce investment risk through diversification. Listen to this interview here: https://podcasts.apple.com/au/podcast/sugarmammas-fireplay/id1521182757?i=1000633756339  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  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.SugarMamma.TV 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.

What should this single parent do? Sell and downsize or push on? Such a hard question, so personal and the best advice really depends on so many moving variables. Whilst I can't give personal advice, these are the crucial questions to ask and get advice about. I never want you to have any regrets, and one of the best ways to reduce this risk is to act carefully and arm yourself what as much relevant information as possible. To submit your confidential "Start here" question, to help you get started, you can message me on Instagram. I am always here to help you.   @SugarMammaTV  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.SugarMamma.TV 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.

Before you click “add to cart,” tune into this empowering and practical episode of SugarMamma’s Fireplay — proudly supported by Amazon Prime Day. Canna Campbell shares how she uses Prime Day to shop smarter, not harder — scoring genuine savings on everyday essentials, planning ahead for Christmas, and nabbing long-watched big-ticket items… all without compromising on her values of intentional spending and environmental mindfulness. 💡 Learn how to: Create a Prime Day wishlist to avoid impulse buys Use powerful tools inside the Amazon app (including the genius Amazon Lens) Set up deal alerts and track real-time price drops Save more using cashback platforms and loyalty points Stock up on household essentials and long-term savings tools Make your tax return work for your financial goals 👛 Whether you're budgeting, parenting, or prepping for the holidays, this episode will help you turn Prime Day into a strategy — not a splurge. 🗓 Prime Day runs from July 8 to July 14 — and this episode gives you everything you need to save wisely. 🛍️ Follow @SugarMammaTV on Instagram for Canna’s favourite Prime Day picks. 🎧 Listen now — and make every dollar work harder for you. Links Licensee Services Pty LTDAFSL No 700012 ABN 97 678 975 589 Links Wealth Management Pty LtdABN 55 681 041 538Suite 10, 18 Karalta Road ErinaNSW2250See omnystudio.com/listener for privacy information.

Thrilled that this mini series with SugarMamma's Fireplay is here to stay! This is where you pick my brain for free, about what you need to do, consider and question to help get you started and heading in the right direction, with no regrets and filled with financial empowerment. It goes without saying, always general advice, but I will give you the specific strategies to research, questions to ask your financial planner and where possible, free resources that have either helped me or I know that are trustworthy of value. To submit your question, you must message me directly @SugarMammaTV on Instagram.  If you want to learn more about how to fix your finances, I highly recommend reading my two books!  Best Seller: The $1000 Project Book: https://amzn.to/3RV0Bnq  Mindful Money: https://amzn.to/3RV0poc  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.SugarMamma.TV 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.

Motivated Money* by Peter Thornhill: https://amzn.to/40rn2Vr is one of the best books to read if you want to or are already investing in shares. Also, to confirm, from the 30th of June, SG contributions are increasing to 12% p.a. At the time of recording this episode, the taxing of unrealised capitals gains tax within super for account balances over $3,000,000 was still a proposal. Futhermore, whilst people and I share our loves of LICs and industrial shares, this is by no mean personal, product or investment advice. Shares are volatile investments with a long term investment time horizon. Always get professional and personal advice from a licensed Financial Planner. 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.SugarMamma.TV 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.

If this taxation of unrealised gains within superannuation for account balances over $3m is passed, everyone will be impacted. In this episode I explain why this is a major issue and financially damaging one for all Australians, plus a few options available for consideration and discussion with your Financial Planner and Accountant.  Next week, I will be sharing with you my exclusive interview with Peter Thornhill as to what he has done with his $10,000,000 portfolio with these potential changes in legislation. 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  Amazing affiliate links to my own book. 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.SugarMamma.TV 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.

Let me know what you think of this episode about how to afford to stay fit and strong whilst on a budget PLUS if you like the sound of this 75 Challenge and want to know more. I am actually thinking of making it a fun new challenge! Please know that you can always reach 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  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.SugarMamma.TV 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.

Let me know what you think of this episode on financial advice for all single parents, by reaching out to me @SugarMammaTV so that we can keep this conversation going. I am here to help you, guide you and support you when it comes to all of your financial goals and dreams. And speaking from experience when I was a single parent, I know how much having people cheering you on is so important.  Here are my two books: Best Seller: The $1000 Project Book: https://amzn.to/3RV0Bnq  Mindful Money: https://amzn.to/3RV0poc  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.SugarMamma.TV 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.

Paying off your mortgage sooner is a lot easier than you think it is. Today we are joined by John Micalizzi from Blue Lantern Mortgage Brokers to help explain all the different options and ideas that are available to you to help pay your mortgage off sooner than the standard "30 year diagnosis". If you would like to chat with John about your mortgage and how to pay it off sooner, you can email him [email protected] or 0411 706 228  These are the calculators that we recommend using, to help see what is possible and how much time and money you can really save when you apply these ideas that we share in this episode... https://bluelantern.smartonline.com.au/calculators/ https://www.sugarmamma.tv/calculators/ 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.SugarMamma.TV 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 recently completed my "soft" version of the famous #75hard challenge. It was transformational, empowering and I have never felt stronger, more mentally resilient and calmer. This challenge also cost me nothing. And has added a wealth to my life that money can't buy.  I am going to do this all over again. Calling it #75CANNA Here are my rules: 6 x 35 mins of exercise per week (includes one stretching session) 1 x daily decluttering/reorganising/tidying  1 x daily journaling 1 x daily reading 10 mins or 10 pages non-fiction 1 x daily financial goal work or financial manifesting work 1 x daily 5 vegetables  Take one photo before you begin - 9th of June Take one photo when you finish on the 25th of August If you don't tick everything off your list each day, that is okay, just simply try and catch up the next day. Don't beat yourself up! This is about having fun and enjoying the transformation!  Make sure you are following me @SugarMammaTV and @CannaCampbellofficial as I will be sharing my journey with you!  See omnystudio.com/listener for privacy information.

Adam Cooper was living a life of excess. Booze, drugs and big nights out. Spending thousands on dollars over the weekend, leaving him exhausted, depressed and filled with anxiety as he tried to push through his working week, before doing it all over again. But something happened, he switched off the desire to party. Got help and is now back in the driving seat again, completely turning his life around and his bank balance isn't the only benefit.  Adam shares with us his inspiring story around savings and sobriety. You can reach Adam here: https://www.instagram.com/adamcooperfitness/  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.SugarMamma.TV 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 came across minimalism during one of the darkest periods of my life and I am eternally grateful as I don't know where I would be today without this discovery. Learning to love less, enjoy the simplicity, valuing the peace and reconnecting with myself through experiences, friendships and creating moments and memories was a huge part of my healing process. I really hope you enjoy this episode. If you do, please let me know as I am thinking of creating a "how to do" minimalism series for you. Reach out to me here: @SugarMammaTV with your feedback and thoughts. And...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.SugarMamma.TV 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.

Do you know for sure if your bank has passed on the rate cuts? Do you know how much they passed on? Do you know how much you can afford to pay? And how much time and money you could save. Also, is your rate still competitive? Lets explore everything together to get your mortgage free! This really could be the perfect opportunity to reduce financial stress, protect ourselves from the dramatic impact of rate rises and save value time and interest. Every extra dollar repayment that you can make, above the minimum mortgage repayment is worth it. Have a look for yourself by using these FREE calculators!  It really is inspiring when you see how much time and money you can really save when you apply these ideas that we share in this episode... https://bluelantern.smartonline.com.au/calculators/ https://www.sugarmamma.tv/calculators/ 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.

Let me know what you think of this episode about loud budgeting, 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  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.

Start Here! Where you get to pick my brain as to where you should get started with your investing journey! Today's episode is from a listener who is wondering if she should jump on this opportunity to buy her sister in law's apartment. So many things to consider, so to "start here" I help break down some of the key steps to follow before signing the dotted line. Let me know what you think of this episode by reaching out to me @SugarMammaTV so that we can keep this conversation going, which is also where you can 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  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.

Sharing with you my F.I.R.E. goals and strategy. Please know that this is not personal advice in anyway, but to be used as a source of inspiration and motivation. I value honesty and transparency and by you seeing what I have done, you will realise that you can do this too! And the sooner you get started, the better! Furthermore, to clarify, I have build a gross passive income of approximately $180,000 p.a. (almost there), however between the 4 major asset classes that provide this, one is 100% cashflow positive, the second one is 100% cashflow positive but with a small and quickly reducing investment loan attached, the third is also cashflow positive, but with a larger but reducing investment loan attached and the fourth is cashflow negative, however I am working towards making it cashflow positive so that it can start paying itself off. I love debt and have used it wisely, but I need our passive income to provide a net passive income of $200,000 p.a.  Also, this F.I.R.E. strategy in this episode doesn't include my super. I value my super and contribute towards is regularly. However any income I eventually take from my super via an Allocated Pension will be on top of our $200,000 p.a.  In the meantime, please 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  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.

Sharing with you what I discovered and gained from doing my annual Frugal February Challenge. This year I felt burnt out, frustrated and to be honest, totally out of inspiration to do this annual challenge, Frugal February. So instead, I mixed things up and added a new element and meaning behind this challenge. I didn't expect to learn this about myself and what I needed. 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 - your instructions to start investing. Mindful Money: https://amzn.to/3RV0poc - this is your road map to building financial freedom. 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.

Your go-to guide to fix your finances but also be fabulous with money! Here are my two books: The $1000 Project Book: https://amzn.to/3RV0Bnq  Mindful Money: https://amzn.to/3RV0poc  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, don’t forget to register my free Money Mindset & Manifestation Masterclass if you need help with motivation, clarity and support: https://courses.sugarmamma.tv/masterclass Or you can just get started straight away and have me as your accountability coach through the Money Mindset & Manifestation Program here (P.S. It is game changing): 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 actually wish I had made this episode 2 years ago...before one of my biggest financial fears came true. That is the rising cost of living...inflation. Which has damaged retirees, FIRE community members financial game plans, plus put so many homes under financial stress. So please take a moment to listen to these worries that I have for the financial health of this country and what you can do to be aware, avoid and ahead of the game.  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, don’t forget to register my free Money Mindset & Manifestation Masterclass if you need help with motivation, clarity and support: https://courses.sugarmamma.tv/masterclass Or you can just get started straight away and have me as your accountability coach through the Money Mindset & Manifestation Program here (P.S. It is game changing): 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.

Is refinancing really worth the effort? Does the 0.25% p.a. saving really help you save time and money? Well if you struggle to see that value here, you need to listen to John Micalizzi from Blue Lantern Financial Services. John, a senior Mortgage Broker explains the process, the benefits, the risks, the costs and how all these savings make refinancing worth your time.  Should you ever want to ask John for help with your home loan, please feel free to reach out to him here: [email protected]  Please note that this episode is not sponsored and I receive $0/0% benefit if you work with John or anyone from Blue Lantern. I am just happy to have experts like John and Adam on the show, to help grow your understanding of a mortgage free life. In the meantime, should you ever need anything or want to submit a "Start Here" question, you can reach out to me via [email protected]  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.

Let me know what you think of this episode and what else you would like me to share? Here are my two books: The $1000 Project Book: https://amzn.to/3RV0Bnq  Mindful Money: https://amzn.to/3RV0poc  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, don’t forget to register my free Money Mindset & Manifestation Masterclass if you need help with motivation, clarity and support: https://courses.sugarmamma.tv/masterclass Or you can just get started straight away and have me as your accountability coach through the Money Mindset & Manifestation Program here (P.S. It is game changing): 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.

A few weeks ago I shared with you some of my financial goals for 2025 and how I am going to achieve them. In this week's episode, I wanted to share with you how you can build your own financial game plan so that you have clarity, direction and purpose, but best of all, know how to allocate your time throughout 2025. In this episode, I explain a new strategy of mine that I have been trialing, to help stop procrastination, allocate my resources and understand my potential. I really hope that you find this episode useful! Please send me a DM and let me know your thoughts!  See my calendar example, plus build your own: https://www.sugarmamma.tv/free-budget-template-tool/  Here are my two books: The $1000 Project Book: https://amzn.to/3RV0Bnq  Mindful Money: https://amzn.to/3RV0poc  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, don’t forget to register my free Money Mindset & Manifestation Masterclass if you need help with motivation, clarity and support: https://courses.sugarmamma.tv/masterclass Or you can just get started straight away and have me as your accountability coach through the Money Mindset & Manifestation Program here (P.S. It is game changing): 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.

If you are interested in financial independence, you need to join this powerful lifestyle movement. F.I.R.E. stands for Financial Independence Retire Early - where thousands of people are changing the way they use money, with a focus on short term pain for longer gain. In today's episode I break down this movement for you, explain the different styles, explain the risks and even share some of my own FIRE strategy. Let me know what you think of this episode and what else you would like me to share, particularly around my own FIRE Strategy? A DM on Instagram is the best way to contact me! Here are my two books: The $1000 Project Book: https://amzn.to/3RV0Bnq  Mindful Money: https://amzn.to/3RV0poc  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, don’t forget to register my free Money Mindset & Manifestation Masterclass if you need help with motivation, clarity and support: https://courses.sugarmamma.tv/masterclass Or you can just get started straight away and have me as your accountability coach through the Money Mindset & Manifestation Program here (P.S. It is game changing): 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.

Start Here is a mini series within Fireplay that gives you some insights to get started on working on your financial game plan. The things you need to consider, understand and even investigate to stop wasting time and start building real sustainable wealth, where your money works and grows efficiently for you. Only ever general in natures and for educational purposes but hopefully the best injection of knowledge to help empower you to get started today.  Please send all your start here questions to: [email protected]  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, don’t forget to register my free Money Mindset & Manifestation Masterclass if you need help with motivation, clarity and support: https://courses.sugarmamma.tv/masterclass Or you can just get started straight away and have me as your accountability coach through the Money Mindset & Manifestation Program here (P.S. It is game changing): 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 Best Selling Books! The $1000 Project Book: https://amzn.to/3RV0Bnq  Mindful Money: https://amzn.to/3RV0poc  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 you next Monday morning for another empowering episode of SugarMamma’s Fireplay!See omnystudio.com/listener for privacy information.

In today's episode, I break down the most important lessons to understand, to help you build real, sustainable financial independence. The things you need to consider, action and review to help ensure your money is working for you. 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, don’t forget to register my free Money Mindset & Manifestation Masterclass if you need help with motivation, clarity and support: https://courses.sugarmamma.tv/masterclass Or you can just get started straight away and have me as your accountability coach through the Money Mindset & Manifestation Program here (P.S. It is game changing): 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 Best Selling Books! The $1000 Project Book: https://amzn.to/3RV0Bnq  Mindful Money: https://amzn.to/3RV0poc  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 you next Monday morning for another empowering episode of SugarMamma’s Fireplay!See omnystudio.com/listener for privacy information.

Today's episode is about the power of taking action, backed with great financial advice. This young family are set for life, where the good times should only continue on to roll. Please listen, share and feel inspired to get started ASAP! 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, don’t forget to register my free Money Mindset & Manifestation Masterclass if you need help with motivation, clarity and support: https://courses.sugarmamma.tv/masterclass Or you can just get started straight away and have me as your accountability coach through the Money Mindset & Manifestation Program here (P.S. It is game changing): 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 Best Selling Books! The $1000 Project Book: https://amzn.to/3RV0Bnq  Mindful Money: https://amzn.to/3RV0poc  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.

Richard Nicholls is a Financial Planner from Blue Lantern, with over 15 years experience in working with everyday Australians in building financial independence. Today he is on the show with me, explaining how Financial Planners work, how the help you, the process and how more efficient and effective a Financial Planner is over relying on a "influencer" for financial advice. Should you ever want to reach out to Richard to discuss your own financial goals and dreams, you can contact him [email protected] for a free initial appointment.  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, don’t forget to register my free Money Mindset & Manifestation Masterclass if you need help with motivation, clarity and support: https://courses.sugarmamma.tv/masterclass Or you can just get started straight away and have me as your accountability coach through the Money Mindset & Manifestation Program here (P.S. It is game changing): 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 Best Selling Books! The $1000 Project Book: https://amzn.to/3RV0Bnq  Mindful Money: https://amzn.to/3RV0poc  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.

Everyone loves investing and talking about investing when they are making money and kicking goals. But when market volatility kicks in and people see their portfolio values suddenly drop, followed by fearful headlines in the media, this is when investor's reactions can get the better of them, with knee jerk reactions that often come with regret. In the episode I help calm your nerves and understand what you can and should do when your are feeling worried about your investments and superannuation balances. And knowing these important concepts, may even help you get ahead with your FIRE goals with even greater efficiency as you may discover the blessings and opportunities in disguise. 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 for 40 minutes so that I can help you. Enrol here: https://courses.sugarmamma.tv/Signup Also, don’t forget to register my free Money Mindset & Manifestation Masterclass if you need help with motivation, clarity and support: https://courses.sugarmamma.tv/masterclass Or you can just get started straight away and have me as your accountability coach through the Money Mindset & Manifestation Program here (P.S. It is game changing): 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 Best Selling Books! The $1000 Project Book: https://amzn.to/3RV0Bnq  Mindful Money: https://amzn.to/3RV0poc  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 you next Monday morning for another empowering episode of SugarMamma’s Fireplay!See omnystudio.com/listener for privacy information.

Shares vs. Property: The Ultimate Wealth-Building Debate! Which one is best? In this episode of SugarMamma’s Fireplay, (sponsored by moomoo) we dive deep into one of the most debated topics in wealth-building: Shares vs. Property. Joining me is the incredible Michael McCarthy, a veteran investor and influential thought leader from moomoo. If interested in learning more about moomoo and how you can start your own investment portfolio see here:  www.moomoo.com.au  We cover everything you need to know to make an informed decision about where to put your hard-earned money, including: Historical Returns: What the data reveals about the long-term performance of shares vs. property. The Cost Factor: Why shares often come out on top with lower ongoing expenses and greater flexibility. Franking Credits: The unique advantage of Australian shares and how they can supercharge your income. Property Myths Debunked: Why Australians are so property-focused and how shares offer unmatched liquidity and diversification. Mindset Shifts: How to overcome the psychological barriers to embracing shares as a powerful investment tool. Tools to Get Started: Learn how Moomoo makes investing simple, accessible, and empowering for new and experienced investors alike. Whether you're a die-hard property advocate, a nervous first-time investor, or someone looking to diversify your portfolio, this episode is packed with actionable insights and practical tips. 🔑 Key Takeaway: It’s not about shares OR property—it’s about understanding your goals and choosing the right tools to achieve financial freedom. 🎧 Tune in now, and don’t forget to subscribe, leave a review, and share this episode with anyone navigating the property vs. shares debate. 👉 Check out Moomoo: A game-changing platform designed to help you research, invest, and grow your portfolio with ease. Start small or aim big—it’s up to you! 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, don’t forget to register my free Money Mindset & Manifestation Masterclass if you need help with motivation, clarity and support: https://courses.sugarmamma.tv/masterclass Or you can just get started straight away and have me as your accountability coach through the Money Mindset & Manifestation Program here (P.S. It is game changing): 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 Best Selling Books! The $1000 Project Book: https://amzn.to/3RV0Bnq  Mindful Money: https://amzn.to/3RV0poc  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 you next Monday morning for another empowering episode of SugarMamma’s Fireplay!See omnystudio.com/listener for privacy information.

In last week's episode, I shared with you my financial goals for 2025. I was a little nervous and shy in doing this, however I know that my doing this I am helping inspire and motivate you to set your own goals to sink your teeth into and get started. Well today I want to show you the power of a financial game plan when it comes to achieving your goals efficiently. And to do this, I am sharing my financial game plan. Yes, I am sharing with you how I am going to: Rebuild our emergency money and financial float. Afford a family holiday to New Zealand Renovate our kitchen Invest $100,000 into shares for The $1000 Project Keep reduce mortgage  My game plan has allowed me to allocate my time, cashflow and energy strategically throughout the year. Which helps ensure that I keep moving, keep achieving and thriving but also ensure my energy and focus is sustainable.  After listening to this episode, I hope you feel ready to set down your game plan for your own financial goals and quickly see the progress, shifts and breakthroughs. As always, I am here to help, so never hesitate to reach out.  Let me know what you think of this episode and what else you would like me to share? Here are my two books: The $1000 Project Book: https://amzn.to/3RV0Bnq  Mindful Money: https://amzn.to/3RV0poc  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, don’t forget to register my free Money Mindset & Manifestation Masterclass if you need help with motivation, clarity and support: https://courses.sugarmamma.tv/masterclass Or you can just get started straight away and have me as your accountability coach through the Money Mindset & Manifestation Program here (P.S. It is game changing): 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.

n this episode of SugarMamma’s Fireplay, we’re diving into a transformative approach to financial goal setting for 2025. If you’ve ever felt overwhelmed or stuck when trying to achieve your financial dreams, this episode will give you actionable strategies to take charge, stay motivated, and see real results. I’ll share my personal financial goals, the key principles that guide my process, and the science-backed techniques that ensure success. As Antoine de Saint-Exupéry said, "A goal without a plan is just a wish." Let’s turn your wishes into achievements and make 2025 your most financially empowered year yet. What You’ll Learn in This Episode: Step 1: Awareness and Your Why Why understanding your "why" is essential for motivation and long-term success. How to conduct a thorough financial stocktake to identify your starting point and priorities. The benefits of clarity: gain control, reduce stress, and stay focused. Step 2: Goal Setting—Flowing with Responsibility and Fun The natural temptation to focus on exciting goals (like saving for a holiday) while avoiding essential ones (like tackling debt). How to balance responsible and fun goals for holistic financial growth. My 2025 financial goals and how they reflect this balance. Step 3: Own It and Embody It The importance of stepping into the identity of someone who achieves their goals. How affirmations, habits, and personal growth transform your mindset and behavior. The science behind embodying your goals and the power of visualization. Step 4: Deadlines—The Key to Action Why deadlines are crucial for turning dreams into reality. How deadlines create urgency, improve focus, and keep you on track. Practical tips for setting and adjusting timelines without added stress. Step 5: Game Plan—Consistency Over Occasional Efforts How small daily actions, like transferring $1 to your mortgage, build momentum and compound over time. Creative ideas for generating extra income to boost your progress. The significance of planning ahead and staying adaptable. Step 6: Rewards—Celebrate Your Wins The psychology of instant gratification and how it keeps you motivated. Budget-friendly reward ideas that celebrate milestones without derailing your progress. Why consistent rewards reinforce positive habits and make the journey enjoyable. Step 7: Review—Progress, Not Perfection How regular check-ins help you celebrate wins, spot challenges, and adjust plans. The importance of staying flexible and proactive to navigate unexpected expenses. How reviewing progress reignites your motivation during tough times. Actionable Takeaways: Take 15 minutes today to do a financial stocktake. Write down your assets, liabilities, and cash flow to understand your starting point. Choose one goal to focus on this month and create a plan to make consistent progress. Share your goals with someone close to you—accountability increases your chances of success! Key Quotes from This Episode: "A goal without a plan is just a wish." – Antoine de Saint-Exupéry "What gets measured, gets managed." – Peter Drucker "You are what you do, not what you say you’ll do." – Carl Jung "Success doesn’t come from what you do occasionally, but from what you do consistently." – Marie Forleo "Do something today that your future self will thank you for." Resources Mentioned: My 2025 financial goals (family holiday, rebuilding the financial float, renovating the kitchen, investing in shares, and reducing the mortgage). Tips for extra income: selling unused items, side hustles, and additional projects. Visualization techniques and the role of affirmations in goal-setting. Special Programs to Help You Succeed:Looking for guidance and support to achieve your financial goals? Check out my programs: SugarMamma Budget and Cashflow Academy - enrol now Includes a personalized one-on-one Zoom call with me to help you build and refine your budget and cashflow system. Perfect for anyone ready to take control of their finances with expert support. Know how to stick to your budget and achieve real goals. Enrol here and start your budget! https://courses.sugarmamma.tv/Signup  Money Mindset & Manifestation Program - join here A comprehensive program designed to shift your mindset, eliminate limiting beliefs, and help you align your financial goals with your vision for success. Work with me throughout the year for mindset, motivation and accountability.  Join here: https://courses.sugarmamma.tv/join  These programs are designed to empower you with the tools, strategies, and confidence to take your financial journey to the next level.   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.