START HERE: How Do I Pay Off $28,000 in Credit Card Debt and Finally Get Ahead?

Oct 30, 2025

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Are you stuck in credit card debt and can’t seem to break free — no matter how many times you try? You’re not alone. In this Start Here episode of SugarMamma’s Fireplay, I answer a heartfelt question from Diana, who has $28,000 of credit card debt on a single card and desperately wants to turn her financial life around.

Together, we unpack:
✅ Why toxic debt like credit cards must be cleared before you invest.
✅ How to build a small emergency buffer so you don’t slip backwards.
✅ The power of budgeting, tracking, and cutting expenses with purpose.
✅ Automating repayments and setting mini-goals to stay motivated.
✅ How ad hoc payments (tax refunds, bonuses, side hustle income) can fast-track your journey.
✅ The importance of breaking old habits and even letting go of credit cards and BNPL for good.
✅ The surprising support of the debt-free community online — and how it can keep you inspired.
✅ How to use your debt-repayment season to prepare for investing: researching ETFs and LICs, doing a risk profile, setting up an online trading account, and building your financial confidence.
✅ Why checking in on your super and personal insurances is part of breaking the debt cycle for good.

By the end of this episode, you’ll walk away with a clear, step-by-step plan — not just to pay off your debt, but to break free for good and start building the financial independence you deserve.

✨ Remember: being debt-free isn’t about restriction — it’s about freedom, clarity, and confidence.

⚖️ Additional 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.