SugarMamma’s Fireplay

Makeup Over 40: What’s Worth Your Money & What’s Not
Self-care is worth investing in — but wasting money on beauty products isn’t.
In this episode of SugarMamma’s FIREPLAY, Canna sits down with celebrity makeup artist Mia to talk about beauty, money and how our makeup needs can change after 40.
As our skin changes through our 40s, perimenopause and beyond, the products and techniques that once worked for us may not work in quite the same way anymore. But that doesn’t mean we need to throw everything out, buy an entirely new makeup bag or spend hundreds of dollars chasing the latest beauty trends.
Mia shares her professional tips for looking and feeling great while being smarter with our beauty spending.
In this episode, we cover:
Why makeup can start behaving differently on skin after 40

How to use more of the makeup you already own

The biggest makeup mistakes women over 40 make

Budget beauty vs luxury makeup — where to save and where it may be worth spending

How Mia would build a simple makeup kit on a $100–$150 budget

The skincare basics that can help makeup look better on mature skin

A quick five-minute makeup routine for busy women

Multitasking products that can save money, time and bathroom space

How to avoid wasting money on products you never use

Why self-care and financial wellbeing don't have to compete with each other

Because being good with money isn't about never spending on yourself. It's about spending intentionally on the things that genuinely add value to your life.
Learn more from Mia
If you enjoyed Mia's advice in this episode, check out her Over 40s Club, where she teaches practical makeup techniques specifically designed for women over 40 and our changing skin and features.
Mia's Over 40s Club
Disclaimer: This podcast contains general information only and does not take into account your personal objectives, financial situation or needs. Consider whether the information is appropriate for your circumstances and seek professional advice where required.
💡 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 Academy
Sick 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 Mentorship
Join 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:
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.)
🌟 Stay Connected & Inspired
Instagram:@SugarMammaTV — money, budgeting, cashflow & motivation
Instagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhood
Substack Quiet Wealth: https://substack.com/@sugarmammaquietwealth
Keynote speaking book via canna@sugarmamma.tv
TikTok:@SugarMammaTV
YouTube:SugarMammaTV — over 500 bite-sized videos with more than 12 million views!
Website:SugarMammaTV.com
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.

What happens when you’ve worked your whole life to pay off your home… but you’re struggling to afford retirement?
More Australians are finding themselves asset rich but cash poor. Their home may be worth over $1 million, but rising living costs, healthcare expenses and longer life expectancies are putting pressure on retirement savings.
One option that is becoming increasingly popular is a reverse mortgage.
But is it a smart way to unlock the equity in your home, or could it quietly erode your wealth over time?
In this episode of SugarMamma’s Fireplay, I explain exactly how reverse mortgages work, who they may suit, the benefits, the risks and the important questions I believe every Australian should ask before signing a reverse mortgage contract.
This isn’t about telling you what to do. It’s about helping you make an informed decision.
In this episode, we cover:
• What a reverse mortgage actually is and how it works.
• Why more Australians are considering reverse mortgages in retirement.
• The difference between a traditional mortgage and a reverse mortgage.
• How much you may be able to borrow and the different ways funds can be accessed.
• The power of compound interest and why borrowing more than you need can dramatically reduce your home equity over time.
• Real-life examples of how retirees use reverse mortgages to stay living in their homes.
• The benefits, including improving cash flow, funding home modifications and supporting independence.
• The risks, including compounding interest, living longer than expected, future healthcare costs and reducing the value of your estate.
• The No Negative Equity Guarantee and what it means.
• Alternative strategies, including downsizing, the Government Home Equity Access Scheme and other ways to access home equity.
• The nine questions I believe every Australian should ask before taking out a reverse mortgage.
Whether you’re approaching retirement, helping your parents understand their options or simply planning ahead, this episode will help you better understand one of Australia’s most misunderstood financial products.
Remember, a reverse mortgage isn’t inherently good or bad. Like any financial strategy, it can be incredibly valuable when used thoughtfully—but it can also become very expensive if you borrow more than you truly need.
As always, this podcast is for educational purposes only and does not constitute personal financial advice. Before making any financial decisions, consider seeking independent financial and legal advice that is appropriate for your individual circumstances.
If you enjoyed this episode, please consider following SugarMamma’s Fireplay, leaving a review and sharing this episode with someone who may find it helpful.
Because understanding your options today can help protect your financial future tomorrow.
💡 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 Academy
Sick 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 Mentorship
Join 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:
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.)
🌟 Stay Connected & Inspired
Instagram:@SugarMammaTV — money, budgeting, cashflow & motivation
Instagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhood
Substack Quiet Wealth: https://substack.com/@sugarmammaquietwealth
Keynote speaking book via canna@sugarmamma.tv
TikTok:@SugarMammaTV
YouTube:SugarMammaTV — over 500 bite-sized videos with more than 12 million views!
Website:SugarMammaTV.com
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.

How to Make Your Super Last in Retirement: 8 Costly Mistakes to Avoid
Retirement isn't just about reaching a magic superannuation number.
It's about making sure your money lasts for the lifestyle you want to live.
After more than 20 years as a financial planner, I've seen that many Australians focus on the obvious retirement risks—like market crashes or inflation—but often overlook the hidden traps that quietly erode wealth over time.
In this episode of SugarMamma's Fireplay, I share the eight biggest retirement mistakes I see, along with practical strategies to help you build greater confidence, flexibility and financial security for the decades ahead.
Whether you're planning to retire in five years or twenty-five years, this episode will help you make smarter decisions today for a more comfortable tomorrow.
In this episode, you'll learn:
• Why your retirement lifestyle matters more than your super balance
• How inflation quietly reduces your purchasing power over time
• Why being too conservative with your investments can become a hidden risk
• What Sequence of Returns Risk is—and why it can significantly impact your retirement income
• How to prepare financially for a longer life expectancy
• Why future healthcare and aged care costs should be part of every retirement plan
• How part-time work or passion projects can strengthen both your finances and your wellbeing
• Why retiring with unnecessary debt can place pressure on your retirement cashflow
• Practical steps you can take today to help your super last longer
Retirement planning isn't about predicting the future.
It's about creating flexibility, reducing unnecessary risks and making thoughtful financial decisions that give you more choice and greater peace of mind.
If you enjoyed this episode, please share it with someone preparing for retirement and leave a review—it helps more Australians discover practical, empowering financial education.
Disclaimer: The information shared in this podcast is general in nature and is intended for educational purposes only. It does not take into account your personal objectives, financial situation or needs. Before making any financial decisions, consider seeking advice from a licensed financial adviser.
💡 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 Academy
Sick 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 Mentorship
Join 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:
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.)
🌟 Stay Connected & Inspired
Instagram:@SugarMammaTV — money, budgeting, cashflow & motivation
Instagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhood
Substack Quiet Wealth: https://substack.com/@sugarmammaquietwealth
Keynote speaking book via canna@sugarmamma.tv
TikTok:@SugarMammaTV
YouTube:SugarMammaTV — over 500 bite-sized videos with more than 12 million views!
Website:SugarMammaTV.com
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.

Should You Sell Your Car to Pay Off Your Mortgage?Episode Description
Would selling your car save you thousands of dollars... or could it actually be the wrong financial move?
In this episode of Start Here, Canna answers a listener's question about whether selling a $50,000 Toyota Hilux to put an extra $25,000 onto their mortgage is the smartest way to get ahead financially.
The numbers are surprising.
Yes, a lump sum repayment could save around $76,000 in interest over the life of the loan. But when you're already making significant extra mortgage repayments every month, that lump sum may not have the impact you expect.
More importantly, this conversation isn't really about a car.
It's about knowing when to optimise your finances... and when it's okay to enjoy something you've worked hard for without guilt.
In this episode you'll learn:
Whether selling your car will genuinely accelerate your mortgage repayments.

Why context matters more than calculators.

The hidden costs of replacing an expensive vehicle.

How to work out whether you actually need the car you own.

Why extra mortgage repayments often do far more heavy lifting than one-off lump sums.

The emotional reasons we sometimes question purchases we've already made.

How to find the balance between building wealth and enjoying your life.

A simple framework for making future big-ticket spending decisions with confidence.

If you've ever wondered whether you should sell your car, downgrade your lifestyle or sacrifice more to reach your financial goals faster, this episode will help you make that decision with greater clarity and confidence.
In this episode:
✔ How much a $25,000 lump sum could save on your mortgage
✔ Why replacing a car isn't always as cheap as it seems
✔ The true cost of running an older vehicle
✔ The importance of understanding what your car actually needs to do
✔ Why your monthly habits matter more than one-off decisions
✔ The psychology behind financial guilt
✔ How to enjoy your money without compromising your long-term goals
Remember, wealth isn't built by making one perfect financial decision.
It's built through consistently making good decisions over time.
Have a question for Start Here?
If there's a money question you've been quietly wrestling with, send it in. Chances are, thousands of other Australians are wondering exactly the same thing. canna@sugarmamma.tv
Don't forget to subscribe, leave a review and share this episode with someone who might be asking themselves...
"Should I sell my car?"
💡 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 Academy
Sick 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 Mentorship
Join 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:
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.)
🌟 Stay Connected & Inspired
Instagram:@SugarMammaTV — money, budgeting, cashflow & motivation
Instagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhood
Substack Quiet Wealth: https://substack.com/@sugarmammaquietwealth
Keynote speaking book via canna@sugarmamma.tv
TikTok:@SugarMammaTV
YouTube:SugarMammaTV — over 500 bite-sized videos with more than 12 million views!
Website:SugarMammaTV.com
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.

Buying property is one of the biggest financial decisions most Australians will ever make.
But many buyers don’t realise:
property sales are highly emotional
negotiations are psychological
pressure tactics are common
buyers can unintentionally reveal too much information
This episode is NOT about attacking real estate agents.
Important framing:
many agents are professional and ethical
selling property is their job
BUT buyers need to understand how the process works so they can protect themselves financially and emotionally
Key message:
“The calmer and more informed you are as a buyer, the better financial decisions you’re likely to make.”
Adam McCabe can be contacted Adam.McCabe@BlueLantern.com.au or 0423 685 133
IMPORTANT POINTS
Buying property can feel exciting but also emotionally overwhelming
Many buyers feel pressured, rushed or manipulated during negotiations
Emotional decisions can cost people tens or even hundreds of thousands of dollars
Today’s episode is about awareness and strategy
Adam will walk through common tactics buyers should understand before entering the property market
Transition:
“Adam, let’s walk through some of the sneaky tricks buyers should be aware of when purchasing property.”
1. ASKING TO SEE YOUR PRE-APPROVAL LETTERDiscussion Points
Agents may ask to see borrowing capacity
Gives insight into buyer’s spending ceiling
Your maximum approval ≠ your comfortable budget
Key Message
“Just because the bank says you can borrow that much doesn’t mean you should spend that much.”
Important Notes
Buyers are not obligated to disclose full borrowing limits
Keep negotiations focused on property value, not your borrowing power
2. ONLY SHOWING HIGH RECENT SALES COMPARISONSDiscussion Points
Agents may selectively present premium comparable sales
Creates price anchoring psychology
Can distort buyer perception of value
Important Advice
Buyers should research independently
Look at: days on market
passed-in auctions
lower comparable sales
suburb trends

Key Message
“Data can tell very different stories depending on what gets left out.”
3. CREATING ARTIFICIAL URGENCYCommon Phrases
“There’s another strong offer.”
“The vendor wants this wrapped up tonight.”
“You’ll need to move quickly.”
“There’s huge interest.”
Discussion Points
Sometimes true, sometimes strategic pressure
Urgency increases emotional decision-making
Buyers may skip due diligence
Important Advice
Slow down
Don’t waive important checks under pressure
Avoid emotionally chasing the property
4. UNDERQUOTING THE PROPERTYDiscussion Points
Low advertised pricing attracts emotional attachment
Buyers spend time emotionally investing in properties outside realistic budget
Creates bidding competition
Emotional Impact
Buyer exhaustion
FOMO
Overstretching financially
Important Advice
Research comparable sales
Understand realistic suburb pricing
Maintain borrowing buffers
5. ASKING FOR YOUR MAXIMUM BUDGETCommon Questions
“What’s your ceiling?”
“What are you comfortable spending?”
“How high can you go?”
Discussion Points
Valuable negotiation information
Buyers often reveal too much unintentionally
Key Message
“Your budget is your business.”
Important Advice
Set your own ceiling privately beforehand
Avoid negotiating against yourself emotionally
6. USING EMOTIONAL LANGUAGE & FOMOExamples
“Dream family home.”
“Rare opportunity.”
“You don’t want to miss this.”
“Properties like this never come up.”
Discussion Points
Emotional attachment clouds financial judgment
Buyers start imagining future lifestyle before evaluating affordability
Important Advice
Separate emotion from numbers
Another property will always come along
Protect long-term financial stability
7. CONDITIONING BUYERS TO INCREMENTALLY INCREASE OFFERSExamples
“If you could just increase another $5K…”
“You’re very close.”
“The vendor might accept a little more.”
Discussion Points
Small increases feel psychologically manageable
But small increments compound quickly
Important Advice
Decide maximum limit BEFORE negotiating
Understand repayment impact of every increase
Key Message
“The purchase price is only the beginning — you have to live with the repayments afterwards.”
IMPORTANT THEMES TO REPEAT THROUGHOUT EPISODE
Stay calm and strategic
Don’t let emotion override affordability
Buying property should not feel like panic
Long-term financial stability matters more than “winning”
There will always be another property
Protect your borrowing capacity and mental health
GOOD QUESTIONS FOR YOU TO ASK ADAM
“What’s the biggest mistake emotional buyers make?”
“At what point do buyers start overpaying emotionally?”
“What should buyers never reveal?”
“How can buyers stay calm during negotiations?”
“What are signs someone is financially overstretching themselves?”
“How important is having a broker involved before making offers?”
CONCLUSIONFinal Talking Points
Buying property is emotional and competitive
Understanding negotiation psychology is empowering
Buyers don’t need to feel pressured or rushed
Good decisions usually come from calmness, preparation and clarity
Final message:
“Sometimes the property you don’t buy ends up being the best financial decision you ever make.”
Reach out to Adam and the team at Blue Lantern Home Loans if you would like help understanding your borrowing capacity, structuring your loan properly or navigating the property buying process strategically.
💡 Work With Me Want more support on your financial journey? Here’s how we can work together:
The SugarMamma Budget & Cashflow Academy
Sick 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 Mentorship
Join 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:
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.)
🌟 Stay Connected & Inspired Instagram:@SugarMammaTV — money, budgeting, cashflow & motivation
Instagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhood
Substack Quiet Wealth: https://substack.com/@sugarmammaquietwealth
Keynote speaking book via canna@sugarmamma.tv
TikTok:@SugarMammaTV
YouTube:SugarMammaTV — over 500 bite-sized videos with more than 12 million views!
Website:SugarMammaTV.com
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.