SugarMamma’s Fireplay copertina

SugarMamma’s Fireplay

SugarMamma’s Fireplay

Di: Canna Campbell SugarMammaTV
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A proposito di questo titolo
 Having been a Financial Planner for over 15 years, I have seen first hand how money problems can breed stress. Often, people make wrong money decisions because the world of finance can be intimidating and confusing. This podcast cuts through the jargon and provides practical, accessible financial education and empowerment - so you can build sustainable wealth and help achieve financial freedom. You will also hear real-life success stories from people who have transformed their finances and be empowered by valuable advice from industry experts. So join me for the start of a bold and brilliant financial future and growing community. For immediate access to all my content follow @SugarMammaTV@CannaCampbellofficial xCC2026 Canna Campbell SugarMammaTV Economia Finanza personale
Episodi
  • START HERE: Navigating divorce in your 60s for financial security

    START HERE: Navigating divorce in your 60s for financial security
    Nov 12 2026
    Starting Over Financially After Divorce at 60+: Where Do You Begin? What happens when the retirement you thought you were going to have suddenly changes? In this episode of Start Here, I answer a heartbreaking question from a listener whose 67-year-old mother is facing separation and an uncertain financial future after decades of building a life with her husband. While we don't have enough information to provide specific financial guidance — and this isn't about trying to solve everything overnight — there are some incredibly important places to start. We talk about why an “equal” split of assets isn't something you should automatically agree to without independent legal advice, and why understanding your complete financial position needs to come before making major decisions about your home, superannuation or investments. I also walk through the practical foundations of rebuilding financial security later in life, including: working out what your new life actually costsunderstanding exactly what you own and oweconsidering housing security without putting every available dollar into a homeunderstanding the role of superannuation in creating retirement incomechecking your potential Centrelink and Age Pension entitlementskeeping accessible emergency moneyturning a lump sum into a sustainable income plan rather than simply spending it downconsidering whether some form of work or business income still has a place in your futuregetting legal and financial advice before making decisions that may be difficult to reverse. Most importantly, this episode is about remembering that starting again later in life does not mean starting from zero. You may not be able to recreate the financial journey you could have started at 30 or 40 — and you don't need to. The goal now is to make the strongest possible decisions with what you have today, and build a financial plan around the life you want from here. Because you don't need to solve the next 30 years today. You just need to know where to start. General information only. This episode does not take into account your personal objectives, financial situation or needs. Consider seeking independent legal and licensed financial advice appropriate to your circumstances. 💡 If you want my help with your Budget or Money Mindset 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 MentorshipJoin my program for ongoing support, clarity, and motivation around the way to show up and work on your financial goals and dreams, including attracting the life that you want. Get started here. 📚 My Books If you’re ready to deepen your financial knowledge, check out my books, including our new one: Twelve Months To Financial Freedom: https://link.amazon/B0hPdGjCmBest 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.) 🌟 Stay Connected & Inspired Instagram:@SugarMammaTV — money, budgeting, cashflow & motivationInstagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhoodSubstack Quiet Wealth: https://substack.com/@sugarmammaquietwealthKeynote speaking book via canna@sugarmamma.tvTikTok:@SugarMammaTVYouTube:SugarMammaTV — over 500 bite-sized videos with more than 12 million views!Website:SugarMammaTV.comDon’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). See omnystudio.com/listener for privacy information.
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    26 min
  • Why I Think The 50/30/20 Budgeting Rule is Bullshit and what really works

    Why I Think The 50/30/20 Budgeting Rule is Bullshit and what really works
    Nov 8 2026
    The 50/30/20 budgeting rule sounds simple: 50% of your income goes towards needs, 30% towards wants and 20% towards savings and financial goals. But I think treating this as a universal rule for a “healthy” budget is bullshit. Why? Because personal finance is personal. The rising cost of living means many households simply can’t keep their essential expenses within 50% of their take-home income. At the same time, someone living at home with minimal expenses could potentially be saving and investing far more than 20%. Different incomes. Different families. Different goals. Different stages of life. So why are we trying to squeeze everyone into the same three percentages? In this episode, I unpack: • How the 50/30/20 budgeting rule actually works• Why it can be unrealistic in today’s cost-of-living environment• Why your stage of life matters when building a budget• How following the rule could actually hold some people back financially• Why allocating 20% towards “goals” doesn’t necessarily mean you’re using that money efficiently• How rigid budgeting rules can create unnecessary guilt and financial shame• Why your budget needs to change as your life changes• The budgeting approach I prefer instead• How to create your own healthy ratios based on what you can genuinely afford• Why your financial goals should help shape your budget• How a strong cashflow system can make sticking to your budget much easier I’m not against using percentages. In fact, percentages can be incredibly useful for understanding and measuring your money. I just don’t believe somebody else’s percentages should dictate what financial success looks like for you. Money is fluid. Life is fluid. Your budget needs to be fluid too. You don’t need your budget to look perfect on a pie chart. You need it to work in your real life. 💡 If you want my help with your Budget or Money Mindset 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 MentorshipJoin my program for ongoing support, clarity, and motivation around the way to show up and work on your financial goals and dreams, including attracting the life that you want. Get started here. 📚 My Books If you’re ready to deepen your financial knowledge, check out my books, including our new one: Twelve Months To Financial Freedom: https://link.amazon/B0hPdGjCmBest 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.) 🌟 Stay Connected & Inspired Instagram:@SugarMammaTV — money, budgeting, cashflow & motivationInstagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhoodSubstack Quiet Wealth: https://substack.com/@sugarmammaquietwealthKeynote speaking book via canna@sugarmamma.tvTikTok:@SugarMammaTVYouTube:SugarMammaTV — over 500 bite-sized videos with more than 12 million views!Website:SugarMammaTV.comDon’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). See omnystudio.com/listener for privacy information.
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    23 min
  • START HERE: I earn good money, but why am I always broke? How to stop living pay cheque to pay cheque!

    START HERE: I earn good money, but why am I always broke? How to stop living pay cheque to pay cheque!
    Nov 5 2026
    You earn good money. On paper, you're doing well. So why does payday arrive… only for you to find yourself counting down the days until the next one? In this episode of Start Here, I answer a listener who earns $120,000 a year but regularly has nothing left at the end of their pay cycle — and sometimes relies on Buy Now Pay Later just to maintain their social life. And they are certainly not alone. With housing, groceries, insurance and everyday living costs taking an increasingly large bite out of our income, it can feel incredibly frustrating to earn what looks like a great salary and still struggle to get ahead. But there's another side to this conversation too. Lifestyle creep, social media, Buy Now Pay Later and simply losing track of where our money is actually going can quietly make an already difficult financial environment even harder. In this episode, I cover: Why you need to stop making spending decisions based on your gross salary and start working with your actual take-home pay How social media can distort what a “normal” lifestyle looks like The question to ask yourself before your next social-media-inspired purchase Why regularly relying on Buy Now Pay Later or credit cards can be a warning sign that your lifestyle has outgrown your cash flow Why I want you to review 12 months of transactions — not just one month — to see the true cost of your lifestyle How to find savings in your budget and immediately redirect them towards your financial progress Why your first priorities should be paying off BNPL debt, building a financial float and creating emergency savings Why even $20 a week matters — and why no small saving is beneath you The importance of giving yourself an exciting, meaningful financial goal once your foundations are in place How to stop feeling like budgeting is about deprivation and instead use it to choose what you want more Most importantly, I want you to remember this: Your financial life is not frozen in time. Your income can change. Debts can be paid off. Careers progress. Children grow up. Expenses disappear. Economic conditions change. And you will change too. You will understand your spending better. You'll become clearer on what you genuinely value. You'll build savings, learn from mistakes and become more confident with your money. So if you're feeling broke despite earning good money, don't throw in the towel. Start with what actually lands in your bank account. Look honestly at where it's going. Stop adding to expensive debt. Build your financial float and emergency savings — even if you can only start small. Then give yourself something exciting to work towards. Because financial progress starts when you learn to keep some of the money you already earn. Find that little gap between what comes in and what goes out, redirect it back towards yourself and your goals — and start building from there. 💡 If you want my help with your Budget or Money Mindset 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 MentorshipJoin my program for ongoing support, clarity, and motivation around the way to show up and work on your financial goals and dreams, including attracting the life that you want. Get started here. 📚 My Books If you’re ready to deepen your financial knowledge, check out my books, including our new one: Twelve Months To Financial Freedom: https://link.amazon/B0hPdGjCmBest 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.) 🌟 Stay Connected & Inspired Instagram:@SugarMammaTV — money, budgeting, cashflow & motivationInstagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhoodSubstack Quiet Wealth: https://substack.com/@sugarmammaquietwealthKeynote speaking book via canna@sugarmamma.tvTikTok:@SugarMammaTVYouTube:SugarMammaTV — over 500 bite-sized videos with more than 12 million views!Website:SugarMammaTV.comDon’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 ...
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    27 min
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