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 @cannacampbellofficial
I 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.