Start Here: My Pep Talk If You’re Starting From Nothing

If you feel like you’re starting again with money — or starting for the very first time — this episode is for you.

Maybe you have:


no savings


some debt


no investments


very little super


or a quiet feeling that you should be further ahead by now

In this Start Here episode, I want to give you a calm, practical reset — without shame, pressure, or overwhelm.

This is not about rushing growth or “catching up.”
It’s about rebuilding stability first, then creating momentum that actually lasts.

Details of the SugarMamma Budget & Cashflow Academy: 

This course includes a one-on-one appointment with me so I can personally help you with setting up your budget and new cashflow ritual. The life changing system I have been using for 10 years +
👉 Enrol here

In the meantime, in this episode, we cover:


Why starting from scratch is not a failure, but an opportunity


What “starting from nothing” really looks like (and why it’s so common)


How to create direction using goals + budgeting, without restriction


A simple two-account cashflow system to stop living pay-to-pay


How to think about emergency money in a realistic, personal way


When (and how) to start rebuilding savings, investing, and super


Why progress often shows up emotionally before it shows up financially


The one step to take today if you’re feeling overwhelmed

This episode is designed to help you feel:


calmer


clearer


more in control


and confident that you’re not behind — you’re beginning

If you’ve ever felt like everyone else has it together and you don’t, please know: you are not alone, and you are not broken.

This is your starting line.

🎧 Perfect for listeners who:


feel financially overwhelmed or stuck


are rebuilding after debt, separation, burnout, or life changes


want a simple, sustainable way to get back on their feet


need encouragement and practical next steps

📌 Important Note

This episode is general information only and does not constitute personal financial advice. Everyone’s situation is different, and you should consider seeking professional advice tailored to your circumstances.

💛 Share & Connect

If this episode helped you, please share it with someone who needs a gentle reset with money.
And if you have a question you’d like answered in a future Start Here episode, send me a DM on Instagram:

👉 @SugarMamma
👉 @CannaCampbellOfficial

💡 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 Coaching
Join 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 & motivation
Instagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhood
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).

 

Start Here: My Pep Talk If You&rsquo;re Starting From Nothing
If you feel like you&rsquo;re starting again with money &mdash; or starting for the very first time &mdash; this episode is for you.
Maybe you have:
<ul data-start="955" data-end="1089">
<li data-start="955" data-end="969">
no savings
</li>
<li data-start="970" data-end="983">
some debt
</li>
<li data-start="984" data-end="1002">
no investments
</li>
<li data-start="1003" data-end="1024">
very little super
</li>
<li data-start="1025" data-end="1089">
or a quiet feeling that you should be further ahead by now
</li>
</ul>
In this Start Here episode, I want to give you a calm, practical reset &mdash; without shame, pressure, or overwhelm.
This is not about rushing growth or &ldquo;catching up.&rdquo; It&rsquo;s about rebuilding stability first, then creating momentum that actually lasts.
Details of the SugarMamma Budget &amp; Cashflow Academy:&nbsp;
This course includes a one-on-one appointment with me so I can personally help you with setting up your budget and new cashflow ritual. The life changing system I have been using for 10 years + 👉&nbsp;<a href="https://courses.sugarmamma.tv/Signup">Enrol here</a>
In the meantime, in this episode, we cover:
<ul data-start="1372" data-end="1947">
<li data-start="1372" data-end="1442">
Why starting from scratch is not a failure, but an opportunity
</li>
<li data-start="1443" data-end="1520">
What &ldquo;starting from nothing&rdquo; really looks like (and why it&rsquo;s so common)
</li>
<li data-start="1521" data-end="1597">
How to create direction using goals + budgeting, without restriction
</li>
<li data-start="1598" data-end="1668">
A simple two-account cashflow system to stop living pay-to-pay
</li>
<li data-start="1669" data-end="1740">
How to think about emergency money in a realistic, personal way
</li>
<li data-start="1741" data-end="1809">
When (and how) to start rebuilding savings, investing, and super
</li>
<li data-start="1810" data-end="1886">
Why progress often shows up emotionally before it shows up financially
</li>
<li data-start="1887" data-end="1947">
The one step to take today if you&rsquo;re feeling overwhelmed
</li>
</ul>
This episode is designed to help you feel:
<ul data-start="1992" data-end="2094">
<li data-start="1992" data-end="2002">
calmer
</li>
<li data-start="2003" data-end="2014">
clearer
</li>
<li data-start="2015" data-end="2034">
more in control
</li>
<li data-start="2035" data-end="2094">
and confident that you&rsquo;re not behind &mdash; you&rsquo;re beginning
</li>
</ul>
If you&rsquo;ve ever felt like everyone else has it together and you don&rsquo;t, please know: you are not alone, and you are not broken.
This is your starting line.
<hr data-start="2252" data-end="2255">
🎧 Perfect for listeners who:
<ul data-start="2291" data-end="2511">
<li data-start="2291" data-end="2332">
feel financially overwhelmed or stuck
</li>
<li data-start="2333" data-end="2400">
are rebuilding after debt, separation, burnout, or life changes
</li>
<li data-start="2401" data-end="2461">
want a simple, sustainable way to get back on their feet
</li>
<li data-start="2462" data-end="2511">
need encouragement and practical next steps
</li>
</ul>
📌 Important Note
This episode is general information only and does not constitute personal financial advice. Everyone&rsquo;s situation is different, and you should consider seeking professional advice tailored to your circumstances.
💛 Share &amp; Connect
If this episode helped you, please share it with someone who needs a gentle reset with money. And if you have a question you&rsquo;d like answered in a future Start Here episode, send me a DM on Instagram:
👉 @SugarMamma 👉 @CannaCampbellOfficial
💡 Work With Me
Want more support on your financial journey? Here&rsquo;s how we can work together:
<ol>
<li>The SugarMamma Budget &amp; Cashflow Academy Sick of living paycheque to paycheque or feeling overwhelmed by your money? This course includes aone-on-one appointment with me&nbsp;so I can personally help you. 👉&nbsp;<a href="https://courses.sugarmamma.tv/Signup">Enrol here</a></li>
<li>Money Mindset &amp; Manifestation Coaching Join my program for ongoing support, clarity, and motivation. You&rsquo;ll get direct access to me and a community of like-minded people ready to make powerful change. 👉<a href="https://courses.sugarmamma.tv/join">Join here</a></li>
</ol>
🌟 Stay Connected &amp; Inspired
<ul>
<li>Instagram:<a href="https://www.instagram.com/sugarmammatv">@SugarMammaTV</a>&nbsp;&mdash; money, budgeting, cashflow &amp; motivation</li>
<li>Instagram:<a href="https://www.instagram.com/cannacampbellofficial">@CannaCampbellofficial</a>&nbsp;&mdash; lifestyle, capsule wardrobe fashion, motherhood</li>
<li>TikTok:<a href="https://www.tiktok.com/@sugarmammatv">@SugarMammaTV</a></li>
<li>YouTube:<a href="https://www.youtube.com/c/SugarMamma">SugarMammaTV</a>&nbsp;&mdash; over 500 bite-sized videos with more than 12 million views!</li>
<li>Website:<a href="http://www.sugarmammatv.com/">SugarMammaTV.com</a></li>
<li>Don&rsquo;t forget my other podcast:How Do They Afford That?&nbsp;👉&nbsp;<a href="https://podcasts.apple.com/au/podcast/how-do-they-afford-that/id1644255235">Listen here</a></li>
</ul>
⚖️ General Advice Warning
While we discuss financial topics, everything shared here is&nbsp;general information only&nbsp;&mdash; never personal, product, or investment advice. Always:
<ul>
<li>Do your own research.</li>
<li>Weigh up the pros, cons, fees, caps, taxes, and risks.</li>
<li>Seek professional advice before making financial decisions.</li>
</ul>
📜 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&nbsp;Authorised Representative and Financial Adviser&nbsp;of Links Licensee Services Pty Ltd (AFSL No. 700012 | ABN 97 678 975 589).
&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 STARTING FROM NOTHING

https://api.omny.fm/orgs/2fb3740d-3436-44af-8cc0-a91900716aa5/clips/220979c5-c8a7-493b-ba49-b3da00480961/transcript