SugarMamma’s Fireplay Podcast By Canna Campbell SugarMammaTV cover art

SugarMamma’s Fireplay

SugarMamma’s Fireplay

By: Canna Campbell SugarMammaTV
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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 xCC2026 Canna Campbell SugarMammaTV Economics Personal Finance
Episodes
  • Negative Gearing Shares: Margin Loans, Debt Recycling & The Risks You Need To Know

    Negative Gearing Shares: Margin Loans, Debt Recycling & The Risks You Need To Know
    Jul 12 2026
    With recent changes to negative gearing for investment properties, many Australians are starting to ask an important question: Can you negatively gear shares instead? The answer is yes — but borrowing to invest in the share market comes with its own risks, responsibilities and opportunities. In this episode of SugarMamma's Fireplay, financial planner Canna Campbell explains how negative gearing shares works, the two most common ways Australians borrow to invest, and the practical steps you can take to reduce your risk and build wealth more safely. Whether you're curious about debt recycling, considering a margin loan, or simply want to understand how tax deductions work when investing in shares, this episode will help you make more informed decisions. In this episode, you'll learn: ✔ What negative gearing actually means ✔ Why negative gearing is a tax outcome, not an investment strategy ✔ The difference between margin loans and debt recycling ✔ How investors use borrowed money to invest in shares ✔ The potential tax benefits and wealth-building opportunities ✔ The risks of borrowing to invest ✔ What a margin call is and how it works ✔ How rising interest rates can affect your strategy ✔ The importance of cash flow and emergency savings ✔ 7 practical ways to reduce risk when negatively gearing shares My 7 risk-management rules for borrowing to invest: Diversify your investmentsFocus on liquid investmentsHave a clear investment goalMaintain a strong emergency fundConsider reinvesting dividends or using the dividends to service & reduce the investment debtGradually reduce investment debt - consider a P&I loan over a IO loan - with adviceReview your strategy regularly - e.g. every 6 months Key takeaway: Borrowing to invest can accelerate wealth creation, but it can also amplify losses. Before considering a negatively geared share strategy, make sure you understand the risks, have a long-term investment plan and never invest purely for a tax deduction. The goal isn't to create a tax loss. The goal is to build long-term wealth. Resources Mentioned Debt Recycling ExplainedMargin Loans ExplainedEmergency Fund CalculatorETF Investing for BeginnersLIC Investing BasicsDiversification StrategiesUnderstanding Investment Risk 💡 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 MentorshipJoin 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 & motivationInstagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhoodSubstack Quiet Wealth: https://substack.com/@sugarmammaquietwealthKeynote speaking book via canna@sugarmamma.tvTikTok:@SugarMammaTVYouTube:SugarMammaTV — over 500 bite-sized videos with more than 12 million views!Website:SugarMammaTV.comDon’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). negative gearing shares, debt recycling Australia, margin loans Australia, borrowing to invest, leveraged investing, negative gearing alternatives, investing after property negative gearing changes, tax deductions on shares, share investing Australia, ETF investing Australia, LIC investing Australia, wealth building strategies, personal finance Australia, financial independence Australia, passive income investing, share market investing, investment loans Australia, financial planner Australia, Canna Campbell, SugarMamma FireplaySee omnystudio.com/listener for privacy information.
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    30 mins
  • START HERE: Mortgage Free… Now What? The Next Money Moves That Build Real Wealth

    START HERE: Mortgage Free… Now What? The Next Money Moves That Build Real Wealth
    Jul 9 2026
    Becoming mortgage free is one of the biggest financial milestones you can achieve — but what happens next? In this episode of Start Here (the mini-series within SugarMamma’s Fireplay), Canna answers a powerful listener question from Georgie, who is just four repayments away from owning her home outright. After years of discipline, sacrifice, and consistency, Georgie is ready for her next chapter — but she wants to make sure she doesn’t lose momentum. This episode explores the smart, strategic next steps after paying off your mortgage, including how to transition from debt repayment to wealth creation. Canna walks through the key considerations to help you build long-term financial security, including investing, superannuation strategies, emergency funds, and creating a sustainable financial system that supports both your future goals and your lifestyle today. If you’ve ever wondered what to do after becoming mortgage free — or how to turn this milestone into lasting financial independence — this episode is for you. 🎯 What You’ll Learn in This Episode Why you shouldn’t rush to close your mortgage accountHow to celebrate financial milestones without losing momentumThe importance of building an emergency fund (and how much you actually need)How to define your next financial goals with clarity and intentionThe difference between investing outside of super vs contributing more to superannuationWhat debt recycling is and when it may be appropriateWhy reviewing your personal insurances is critical at this stageHow to build a sustainable financial system that balances wealth creation and lifestyle💡 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 MentorshipJoin 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 & motivationInstagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhoodSubstack Quiet Wealth: https://substack.com/@sugarmammaquietwealthKeynote speaking book via canna@sugarmamma.tvTikTok:@SugarMammaTVYouTube:SugarMammaTV — over 500 bite-sized videos with more than 12 million views!Website:SugarMammaTV.comDon’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). 💡 Key Topics Covered Mortgage free AustraliaWhat to do after paying off mortgageFinancial freedom AustraliaHow to build wealth after mortgageInvesting vs superannuation AustraliaDebt recycling strategy explainedEmergency fund AustraliaPassive income strategiesRetirement planning AustraliaSalary sacrificing super benefitsPersonal finance tips AustraliaFinancial independence for womenMoney management strategiesHow to invest after paying off debtBuilding long term wealth Australia ⚠️ Disclaimer This episode contains general advice only and does not take into account your personal financial situation, needs or objectives. Please seek professional advice from a licensed financial planner before making any financial decisions. 💬 Call to Action If you enjoyed this episode, please make sure you follow the show and leave a rating and review — it helps more people find these conversations. And if you have a question you’d like answered in a future Start Here episode, send it through — I’d love to hear from you. canna@sugarmamma.tv #MortgageFree#FinancialFreedom#MoneyTipsAustralia#InvestingAustralia#PassiveIncome#Superannuation#WealthBuilding#PersonalFinance#FinancialIndependence#SugarMammaSee omnystudio.com/listener for privacy ...
    Show more Show less
    27 mins
  • How to Shop Smarter and Save More Money (Without Buying Less)

    How to Shop Smarter and Save More Money (Without Buying Less)
    Jul 9 2026

    Cost-of-living pressures have changed the way Australians shop.

    According to new research commissioned by Amazon Australia, - who are proud sponsors of today's episode - share that almost 9 in 10 Australians have changed their shopping habits, and four out of five are now deliberately timing purchases around major sales events - with Amazon Prime Day kicking off this week (Tuesday the 7th of July, through to Monday the 13th of July).

    But is this really about spending more?

    Or are Australians simply becoming smarter with their money?

    In this episode of SugarMamma's Fireplay, I sit down with Duncan Fredericks from Amazon Australia to unpack the key trends of how Aussies are shopping today.

    We discuss:

    • Why Australians are becoming far more intentional with their spending.
    • How sales events can become part of a budgeting strategy rather than an excuse to impulse shop.
    • The difference between shopping with purpose and shopping emotionally.
    • Practical tools like Wishlists, product reviews and price planning that can help you spend more intentionally.
    • The categories Australians are prioritising during major sales events.
    • How Amazon Resale works and why buying returned or open-box products can help save money while reducing waste.
    • The real value of Amazon Prime beyond sales events, including delivery and entertainment benefits.

    I also share my own personal shopping philosophy, including the difference between creating a Need List and a Wish List, why I always read reviews before buying, and how thoughtful planning helps me enjoy the convenience of online shopping while freeing up something that's even more valuable than money... my time.

    Remember:

    A sale doesn't save you money.

    Buying the right things does.

    Thank you to Amazon Australia for sponsoring this episode of SugarMamma's Fireplay.

    As always, thank you so much for listening. If you enjoyed this episode, please subscribe, leave a review and share it with someone who loves making smarter financial decisions.

    See omnystudio.com/listener for privacy information.
    Show more Show less
    30 mins
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