SugarMamma’s Fireplay

5 Things We Won’t Be Doing After the Federal Budget
Whenever a Federal Budget is handed down, the headlines start flying.
New taxes. Superannuation changes. Property rules. Cost-of-living measures. Winners. Losers.
And while it is important to understand changes that may affect your finances, I don't believe we should allow every new announcement to completely derail a well-thought-out financial plan.
In this episode of SugarMamma's Fireplay, I'm flipping the conversation around and sharing five things Tom and I will NOT be doing in response to the Federal Budget — and why.
In this episode, I share:
1. We won't stop working towards our goals
We're not throwing our hands in the air and saying, "What's the point?"
We'll continue working, growing our businesses, investing in our financial wellbeing and building towards the life we want.
Governments and policies will change throughout our lifetime. Our responsibility for our own financial future remains.
2. We won't sit on excessive amounts of cash
Having an emergency fund and accessible cash reserves is incredibly important.
But beyond the cash we genuinely need, we don't plan on allowing fear to push us into unnecessarily sitting on the sidelines.
We'll continue putting our money to work thoughtfully and in line with our long-term goals.
3. We won't overcapitalise on our home
Your home can be an incredible asset — financially and emotionally.
But that doesn't mean every spare dollar needs to disappear into renovations, upgrades and improvements.
We still want to be disciplined about how much money we put into our home and make sure we're not sacrificing other important financial goals in the process.
4. We won't take on more debt than we can comfortably afford
Debt can be useful when it is carefully considered and strategically managed.
But taking on excessive debt — particularly expensive or non-deductible debt — can dramatically reduce your financial flexibility.
We want our financial position to give us choices, not leave us trapped by repayments.
5. We won't panic about superannuation
Superannuation rules will continue to evolve over the decades.
That doesn't mean we're abandoning super or making dramatic decisions based on fear about what a future government may or may not do.
Super remains an important part of our long-term retirement strategy, and we'll continue making decisions based on our own circumstances, professional advice and the rules that apply at the time.
The bigger message
This episode isn't about ignoring the Federal Budget.
It's about responding rather than reacting.
Understand the changes. Work out which ones genuinely affect you. Get professional advice where you need it. Adjust your strategy if necessary.
But don't allow frightening headlines, political noise or speculation about what might happen next to push you into making financial decisions that don't serve your long-term goals.
Because ultimately, governments will change.
Rules will change.
Markets will change.
But the fundamentals of building financial wellbeing remain remarkably consistent:
Spend thoughtfully.
Protect your cash flow.
Be careful with debt.
Invest for the long term.
Diversify.
And keep working towards the financial life that matters to you.
🎧 Listen to the full episode of SugarMamma's Fireplay wherever you get your podcasts.
💡 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, including our new one:
Twelve Months To Financial Freedom: https://link.amazon/B0hPdGjCm
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).
General information only. This episode does not take into account your personal objectives, financial situation or needs. Consider seeking professional financial, tax and/or legal advice appropriate to your circumstances.
See omnystudio.com/listener for privacy information.

My House Is Worth Less Than I Paid. What Should I Do?
Buying your first home is one of the biggest financial decisions you'll ever make. So, when headlines start warning about falling house prices, negative equity, and first-home buyers being "trapped", it's completely understandable to feel anxious.
But does negative equity automatically mean financial disaster?
In this episode of Start Here, Canna explains exactly what negative equity is, why it's suddenly making headlines, who is most at risk, and—most importantly—the practical steps you can take to protect yourself and your financial future.
Whether you've recently purchased your first home, bought with a 5% deposit, or you're a parent worried about your adult child, this episode will help you separate fear from fact and focus on what you can actually control.
In this episode we cover:
What negative equity actually means (and why it isn't always a financial emergency)

Why first-home buyers with small deposits are more exposed to falling property prices

Why property markets naturally move in cycles

When negative equity becomes a genuine problem—and when it doesn't

Why selling too early can lock in financial losses

How making extra mortgage repayments can rebuild equity faster

Practical ways to improve your cash flow and pay down your home loan sooner

When renovating can help increase your property's value—and how to avoid overcapitalising

Why obtaining an independent property valuation may surprise you

When to speak with your lender or mortgage broker if you're feeling financial pressure

Could renting out your home instead of selling be a smarter long-term strategy?

The biggest mistakes homeowners make when property prices fall

Why staying calm during market downturns is often one of the best financial decisions you can make

Key Takeaway
Negative equity doesn't automatically mean you've made a bad financial decision. If you can comfortably afford your mortgage repayments and aren't forced to sell, time, consistent mortgage repayments and sensible financial decisions can help rebuild your equity. While you can't control the property market, you can absolutely control your cash flow, your mortgage strategy and the financial habits that strengthen your long-term wealth.
If you enjoyed this episode, please subscribe, leave a review, and share it with someone who has recently bought their first home or is worried about the property market.
Please note: This podcast contains general information only and does not take into account your personal objectives, financial situation or needs. Before making financial decisions, consider seeking advice from a qualified financial adviser, accountant or mortgage professional
💡 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.

Could Missing This Property Valuation Cost You Thousands in Tax?
There’s a major capital gains tax (CGT) change coming for Australian property investors—and surprisingly, very few people are talking about it.
If you own an investment property, 30 June 2027 could become one of the most important dates in your financial calendar.
In this episode, I explain why obtaining a professional property valuation before the new CGT rules begin could potentially save some investors tens of thousands of dollars when they eventually sell.
You'll learn:
Why Australia's capital gains tax rules are changing from 1 July 2027
Why 30 June 2027 could be a critical date for investment property owners
The difference between relying on a professional valuation versus the government's default CGT calculation
Why some investors could pay significantly more tax without a valuation
A simple example showing how the two approaches may produce very different outcomes
Why waiting until the last minute could create a rush for qualified valuers
Practical steps to take now to help protect your wealth
Remember, this episode is general information only and is designed to help you understand an important upcoming change. Whether obtaining a professional valuation is appropriate for your circumstances is something you should discuss with your accountant or registered tax adviser.
If you know someone who owns an investment property, please share this episode with them. It could save them from an expensive mistake years down the track.
💡 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).

Capital Gains Tax | CGT | Property Investors | Investment Property | Property Valuation | 30 June 2027 | Tax Planning | Australian Property | Capital Gains | Tax Changes | Wealth Protection | Property Tax | Financial Planning | Real Estate Investing | Australia
See omnystudio.com/listener for privacy information.

Has the Bank of Mum and Dad closed its doors?
After appearing on the Today Show to discuss a new report showing fewer parents are helping their children into the property market, I knew this was a conversation we needed to have.
This isn’t based on a listener question. Instead, it’s inspired by the growing uncertainty many Australian families are feeling right now.
If you’ve ever wondered:
Should I help my children buy a home?
Am I selfish if I can’t afford to help?
How do I protect my retirement while still supporting my family?
What are the alternatives to gifting a six-figure deposit?
…then this episode is for you.
In this episode, I explain:
Why many parents are pressing pause on helping adult children buy property.
How the changing investment landscape is affecting family financial decisions.
The growing wealth gap—and why compassion matters on both sides.
Practical ways to support your children without risking your own financial future.
Creative alternatives to gifting cash, including matching savings, helping reduce living costs and supporting smarter financial habits.
What to consider before acting as a guarantor, lending money or gifting a deposit.
Why protecting your own financial independence is one of the greatest gifts you can give your children.
Whether you’re a parent trying to make the right decision or an adult child wanting to better understand your parents’ perspective, this episode will help you navigate one of the most emotional financial conversations many Australian families are facing today.
Remember: Supporting your children isn’t always about giving them money. Sometimes it’s about giving them the confidence, skills and financial habits to build lasting wealth for themselves.

💛 If you found this episode helpful, please share it with a parent, grandparent or someone dreaming of buying their first home.
🎧 Subscribe to Start Here so you never miss an episode, and if you’re enjoying the podcast, I’d be so grateful if you left a review—it helps more Australians discover practical, trusted financial guidance.
💡 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.

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.