SugarMamma’s Fireplay

What do you do when the dream of home ownership feels impossible in a big city? In this Start Here episode of SugarMamma’s Fireplay, I respond to a young family of four, with a third baby on the way, who wrote in with this heartfelt question: “We are desperate to buy a home but can’t seem to save while living in Sydney. Should we move to a regional area where housing is cheaper, living costs are lower, and my husband could earn a stronger base salary? Am I silly for even considering this?” Here’s what we explore together: 💡 The reality of housing affordability — why saving for a deposit in major cities feels impossible for many families right now. 🌿 The concept of a ‘Financial Gap Year’ — how moving regionally for a few years can be a circuit-breaker for savings, cashflow, and lifestyle. 🏡 The benefits of moving regionally — lower housing costs, cheaper living, less stress, and a stronger sense of community. ⚠️ The challenges you need to consider — career trade-offs, access to schools, healthcare, social support, and whether the slower pace truly fits your family. ✍️ How to make the decision — practical questions to ask, how to crunch the numbers, and why it’s best to set clear savings goals and timelines before moving. ✨ The encouragement — you’re not silly, you’re strategic. Sometimes stepping sideways (or even back) is what allows you to leap forward financially. The key takeaway? A move like this doesn’t have to be permanent. But whether it’s for 2 years or 20, a regional shift could transform your financial trajectory and give you the breathing space to create the life you really want. 💬 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).   moving to a regional town Australia, housing affordability, financial gap year, family finances Australia, saving for a home deposit, Sydney housing costs, regional move pros and cons, SugarMamma Fireplay, Canna Campbell podcastSee omnystudio.com/listener for privacy information.

In this episode of Out of Thin Air, I sit down with Australian artist Anna Price, who turned her love of painting into a flourishing full-time business. Anna’s story proves that success doesn’t always start with money, it can start with an accident, curiosity, passion, resourcefulness, and the courage to take the first step. To connect with Anna: www.annapriceart.comanna@annapriceart.com@annaprice_art She shares: How her painting hobby began and when she realised people would pay for her work. The lessons she learned navigating self-doubt, setbacks, and imposter syndrome. The simple hacks and mindset shifts that helped her business flourish. Why persistence and creativity with social media are more powerful than financial backing. Her advice for anyone dreaming of turning a hobby into a business as a busy mother. Anna is warm, honest, and funny and her story is filled with practical insights and encouragement for anyone who’s ever wondered, “Could I really make something more out of what I love doing?” If you’ve been sitting on a hobby, this episode might be the nudge you’ve been waiting for. 👉 Listen now and be inspired to create something out of thin air. 💬 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 See omnystudio.com/listener for privacy information.

Are you in your 30s or 40s and wondering what to do first with your money? Is the best thing to smash the mortgage, clear HECS, invest in shares, or boost your super? You’re not alone. Lots of people ask me the same question! In this Start Here episode of SugarMamma’s Fireplay, I respond to a couple who asked: “We’re 40 and 42. We owe $148,000 on our mortgage, have $20,000 in HECS debt, $93,000 in shares, $20,000 in emergency savings, and together we earn around $270,000 per year. Should we pay off our home loan, clear HECS, invest more, or put extra into super?” 👉 Here’s what we explore: 🏡 Paying down your mortgage why home loans are “toxic debt,” how much interest they really cost over 30 years, and how small extra repayments save thousands. 🎓 HECS/HELP debt - how indexation works, when to prioritise it, and why it’s often “cheap debt” compared to your mortgage. 📈 Investing in shares - creating passive income streams, the power of compounding, and the importance of diversification. 👵 Superannuation - the tax advantages, why contributions in your 40s can supercharge retirement wealth, and the trade-offs of locking money away. 🔄 Debt recycling - an advanced strategy that can let you pay off the mortgage and invest at the same time, and why it must be set up carefully with professional advice. 💡 The real answer - it’s not about choosing just one, but finding a way to tackle all of these goals efficiently, in alignment with your values, lifestyle, and risk profile. ✨ The key takeaway: You don’t have to sacrifice one dream for another. With clear goals, strong cashflow, and the right strategy, you can reduce debt, grow wealth, and build financial freedom all at the same time. mortgage vs investing, mortgage vs super, HECS debt indexation, debt recycling explained, financial planning in your 40s, pay off debt vs invest, super contributions Australia, SugarMamma Fireplay, Canna Campbell 💬 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).   See omnystudio.com/listener for privacy information.

Almost half of Australians say their income isn’t enough to cover the basics. Furthermore, nearly 2 in 5 are planning to take on extra work in the next 6 months. With rising costs, stagnant wages, and families feeling the pinch, more Australians are turning to side hustles to create breathing room in their budgets. In this episode of SugarMamma’s Fireplay, I break down the latest YouGov research commissioned by Amazon Australia, revealing just how much extra income households are chasing, and why flexibility is now just as important as money itself. We’ll explore: The real financial struggles Aussies are facing right now 💸 Why side hustles are on the rise (and what people are using them for) How Amazon Flex is helping everyday Australians earn extra income with complete flexibility 🚗📦 My 7 smart habits for making side hustle income truly transformational, so it doesn’t just slip through your fingers but helps you create long-term financial freedom. Whether you’re looking to cover the rising cost of living, pay off debt, build your emergency fund, or boost your retirement savings, this episode will inspire you to take control and use side hustles as a stepping stone to financial peace of mind. ✨ Sponsored by Amazon Flex. To learn more about becoming a delivery partner, visit: https://amzn.to/4nH0Qjm  See omnystudio.com/listener for privacy information.

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 Adam.mccabe@bluelantern.com.au  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.