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SugarMamma’s Fireplay

SugarMamma’s Fireplay

By: Canna Campbell SugarMammaTV
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About this listen

 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 xCC2025 Canna Campbell SugarMammaTV Economics Personal Finance
Episodes
  • START HERE: It’s Not Too Late! How to Rebuild Super & Pay Down Debt in Your 40s

    START HERE: It’s Not Too Late! How to Rebuild Super & Pay Down Debt in Your 40s
    Dec 11 2025
    This week, Canna answers a heartfelt message from a listener in her 40s who feels like she’s playing financial catch-up — balancing student debt, a mortgage, young kids, and a smaller super balance after years of maternity leave. In this empowering episode, Canna shares practical steps to help anyone in their 40s get back on track — rebuilding super, paying off debt strategically, and setting clear financial freedom goals for the next decade. Whether you’ve paused your career, withdrawn from super during COVID, or just feel like you started late, this episode will remind you that it’s never too late to build long-term wealth, confidence, and independence. 💡 What You’ll Learn: Why your 40s can be your financial power decade How to rebuild super strategically through salary sacrifice and catch-up contributions How to manage debt without losing motivation or momentum What to do once your student loans are gone — and how to redirect that cashflow for wealth creation Why family expenses are temporary, and how to use that future freed-up cash to accelerate goals How to create financial freedom goals based on passive income, not just balances How every decision now — every repayment, contribution, and review — compounds into long-term security 🧭 Key Takeaway: You’re not behind — you’re building from experience.Your 40s aren’t about starting over; they’re about using wisdom, focus, and compounding to create the secure and independent future you’ve always wanted. ⚖️ Compliance Note: This episode provides general financial education only and does not constitute personal financial advice or product recommendations.Please consider your own circumstances and seek personal advice from a licensed financial planner before making any financial decisions. 📲 Connect & Share: If this episode gave you hope or direction, please share it with a friend in their 40s who might need to hear it. Follow Canna on Instagram:👉 @SugarMammaTV👉 @CannaCampbellOfficial Subscribe to SugarMamma’s Fireplay wherever you listen to your podcasts. 💬 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 hereMoney 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 & motivationInstagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhoodTikTok:@SugarMammaTVYouTube:SugarMammaTV — over 500 bite-sized videos with more than 12 million views!Website:SugarMamma.TVDon’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 mins
  • Why You Need to Check Your Loans URGENTLY! APRA’s New DTI Rules

    Why You Need to Check Your Loans URGENTLY! APRA’s New DTI Rules
    Dec 7 2025
    In this urgent episode of SugarMamma’s Fireplay, I sit down with senior mortgage broker John Micalizzi from Blue Lantern Home Loans to unpack APRA’s new Debt-to-Income (DTI) rules – what they mean, who’s most at risk, and why you cannot afford to ignore your numbers. John can assist you with any concerns regarding your DTI. John' contact details: john@bluelantern.com.au Mobile: 0411 706 228 Blue Lantern address: Level 6, 309 George Street, Sydney, NSW 2000 If you have: A large mortgage Investment properties Interest-only loans Or you’re planning new lending, refinancing or debt recycling …this episode is essential listening. We talk about why this change is a proactive “pre-emptive strike” by APRA, how the new 20% cap on high DTI loans works, and the very real risk of being pushed into higher repayments, forced P&I, or simply being told no by your bank – especially with current backlogs and delays across the major lenders. What we cover inside the episode What DTI actually is– How to calculate it in plain language (total debt ÷ total gross income)– Why all debts count: mortgages, credit cards, HECS/HELP, personal loans, etc. APRA’s new DTI rule explained– The new cap on loans with DTI of 6 or more– Why APRA has brought this in now as a protective measure– Why it’s a blanket rule across owner-occupiers and investors Who’s safe and who needs to worry– Borrowers with DTI well under 6 vs those above 6– Why high-debt, high-leverage borrowers and some investors are most exposed– Why construction and bridging loans are treated differently Why interest-only borrowers must act early– How to check when your interest-only term expires– Why extending I/O is effectively a new application (full reassessment)– The double hit risk: Rolling from I/O to P&I (big repayment jump) Rolling to an old, uncompetitive “roll-to” rate from years ago Life changes that can push you into high DTI territory– Going from two incomes to one (having a family, study breaks, job loss)– Why timing and lender policy really matter here– Why you need a broker who knows which lenders can work with maternity leave, self-employed income and more complex scenarios Pre-approvals and the 1 February deadline– What to do if your pre-approval expires after 1 Feb– How your borrowing power could change under the new cap– Why you may need to reset your expectations on price or timing Backlogs, complexity and why you can’t leave this to the last minute– The current delays at many banks for new loans, refinances and restructures– Why higher DTI = more complexity = more questions = more time– Why you cannot expect to “sort it out in 48 hours” Practical steps to protect yourself now– How to check your own DTI and loan terms– Cleaning up your debts: unused credit cards, HECS/HELP strategy, etc.– When you should consider refinancing, restructuring or going P&I on purpose– Why working with an experienced broker can give you more options, more clarity and someone to advocate for your case with the lender 3 urgent actions after you listen Jump into your internet banking– Check: loan types, interest-only vs P&I, and expiry dates on I/O terms. Roughly calculate your DTI– Add up all your debts (home loans, investment loans, credit cards, personal loans, HECS/HELP, etc.)– Divide by your total gross income (yours + partner’s, plus rental income, dividends, etc.). If your DTI is high OR your interest-only term expires within 12 months– Do not wait.– Reach out for advice before the new rules + bank backlogs box you into a corner. 💬 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 hereMoney 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 & motivationInstagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhoodTikTok:@SugarMammaTVYouTube:SugarMammaTV — over 500 bite-sized videos with more than 12 million views!Website:SugarMammaTV.comDon’t forget my other ...
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    28 mins
  • START HERE: Downsizing for Retirement: How to Turn Your Home Equity Into Financial Freedom

    START HERE: Downsizing for Retirement: How to Turn Your Home Equity Into Financial Freedom
    Dec 4 2025
    In this Start Here episode, Canna answers Pamela’s question: “I’ve only got $77,000 in super and plan to retire in three years at 65. My home is worth $3 million, but most of my money is tied up in it. I’m considering downsizing — what do I need to know to make this money last?” Canna explains: How the Downsizer Contribution rules work and who qualifies. What to check before selling — including getting professional valuations, researching new property costs, and calculating net proceeds after fees. Why the downsizer top-up might not fully close a retirement gap, and what other strategies can help bridge the difference. How to plan your cash flow, super contributions, and investment mix for sustainable income in retirement. Why working with a licensed financial planner can make all the difference in mapping out the next stage of your financial journey. If you’re 55 or older and considering freeing up equity from your home, this episode will help you understand how to turn that value into a secure, flexible, and confident retirement plan. 🪙 Key Takeaways The Downsizer Contribution allows up to $300K per person (or $600K per couple) to be added to super from the sale of your home. You must make the contribution within 90 days of settlement and you only get one opportunity to do so. Always account for sale and purchase costs — including commissions, stamp duty, and moving expenses — before assuming how much you’ll unlock. A financial planner can help close any remaining gap through salary sacrificing, after-tax contributions, and long-term investing strategies. Downsizing is about financial freedom, not just a smaller home. ⚠️ General Advice Disclaimer This podcast provides general advice only and has been prepared without taking into account your objectives, financial situation, or needs. Before acting on any information, you should consider whether it is appropriate for you and, where appropriate, seek personal financial advice from a licensed financial planner. 📱 Connect with Canna Instagram: @SugarMammaTV | @CannaCampbellOfficialPodcast: SugarMamma’s FireplayYouTube: SugarMammaTVBooks: The $1000 Project | Mindful Money | Financial Freedom (coming soon) 💬 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 hereMoney 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 & motivationInstagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhoodTikTok:@SugarMammaTVYouTube:SugarMammaTV — over 500 bite-sized videos with more than 12 million views!Website:SugarMamma.TVDon’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 mins
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Canna provides valuable financial content using easy to understand language and makes you think about your money journey. She also speaks with everyday people about ways to save money and manifest wealth and also provides her own personal tips and tricks along the way. Well worth a listen!

Amazing content

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Canna Campbell knows her stuff and it’s interesting to see a female preservative, particularly an Australian one! The audio quality isn’t perfect, but given it’s a free podcast that talks about being frugal, I can definitely overlook her not forking out for sound engineering!

Great content and motivational advice

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