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. 

 

Have you found yourself relying on Afterpay, Zip, Klarna or any Buy Now, Pay Later service just to get through the week?
You&rsquo;re not alone. And there&rsquo;s zero shame here. But if BNPL has quietly built up into overwhelming debt, it&rsquo;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&rsquo;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&rsquo;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
✨&nbsp;Remember: You don&rsquo;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: <a href="https://www.instagram.com/sugarmammatv/?hl=en">@sugarmamma</a> or <a href="https://www.instagram.com/cannacampbellofficial/?hl=en">@cannacampbellofficial</a> 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&nbsp;<a href="https://www.instagram.com/sugarmammatv/?hl=en">@SugarMammaTV</a>&nbsp;so that we can keep this conversation going.&nbsp;
Here are my two books:
Best Seller: The $1000 Project Book:&nbsp;<a href="https://amzn.to/3RV0Bnq">https://amzn.to/3RV0Bnq</a>&nbsp;
Mindful Money:&nbsp;<a href="https://amzn.to/3RV0poc">https://amzn.to/3RV0poc</a>&nbsp;
Motivated Money by Peter Thornhill: <a href="https://amzn.to/40rn2Vr">https://amzn.to/40rn2Vr</a>
Amazon affiliate links to my own books.
In the meantime...
HOW YOU CAN WORK WITH ME (&amp; 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 &amp; Cashflow Academy course, which includes a one on one appointment with me so that I can help you. Enrol here:&nbsp;<a href="https://courses.sugarmamma.tv/Signup">https://courses.sugarmamma.tv/Signup</a>
Also, if you want me as your Money Mindset &amp; 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!:&nbsp;
<a href="https://courses.sugarmamma.tv/join">https://courses.sugarmamma.tv/join</a>
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 &amp; 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&nbsp;Authorised Representative and Financial Adviser of Links Licensee Services Pty Ltd AFSL No. 700012 ABN 97 678 975 589.&nbsp;
&nbsp;

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 xCC

SugarMamma’s Fireplay

START HERE: Overwhelmed by BNPL? Do This Now.

https://api.omny.fm/orgs/2fb3740d-3436-44af-8cc0-a91900716aa5/clips/dcb62c38-3efb-4d33-9dea-b3380182f228/transcript