So many people tell me, “I’ve tried budgeting — it just doesn’t work for me.”
But here’s the truth: it’s not you — it’s the budget.

In this Start Here episode, I break down why most budgets fail and share seven practical foundations to help you finally take control of your money — without guilt, shame, or unrealistic expectations.

This episode is for you if:


You keep running out of money before payday


You rely on credit cards to get through the month


You’ve tried budgeting before and “failed”


You feel stuck in a cycle of debt and frustration

🎯 What you’ll learn in this episode:


Why budgeting is about systems, not willpower


The biggest budgeting mistakes people don’t even realise they’re making


How forgotten expenses quietly sabotage your cashflow


Why honesty and buffers are essential to any successful budget


How simplifying your bank accounts can completely change your money flow


Why your financial goals must be built into your budget

This episode is designed to help you get started properly, feel empowered again, and stop going around in circles with your money.

💡 If you’d like deeper support, my SugarMamma Budget & Cashflow Academy includes structured learning plus a one-on-one session with me. Learn more atcourses.sugarmamma.tv

⚠️ Disclaimer

This podcast provides general information only and does not constitute personal financial advice. Please consider your own circumstances or seek advice from a licensed professional before making financial decisions.

💬 Let’s Keep the Conversation Going

I’d love to hear your thoughts on this episode! Reach out to me anytime on Instagram @SugarMammaTV so we can keep this important conversation alive.

📚 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.)

💡 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).

 

So many people tell me, &ldquo;I&rsquo;ve tried budgeting &mdash; it just doesn&rsquo;t work for me.&rdquo; But here&rsquo;s the truth: it&rsquo;s not you &mdash; it&rsquo;s the budget.
In this Start Here episode, I break down why most budgets fail and share seven practical foundations to help you finally take control of your money &mdash; without guilt, shame, or unrealistic expectations.
This episode is for you if:
<ul data-start="951" data-end="1153">
<li data-start="951" data-end="998">
You keep running out of money before payday
</li>
<li data-start="999" data-end="1052">
You rely on credit cards to get through the month
</li>
<li data-start="1053" data-end="1099">
You&rsquo;ve tried budgeting before and &ldquo;failed&rdquo;
</li>
<li data-start="1100" data-end="1153">
You feel stuck in a cycle of debt and frustration
</li>
</ul>
🎯 What you&rsquo;ll learn in this episode:
<ul data-start="1197" data-end="1586">
<li data-start="1197" data-end="1246">
Why budgeting is about systems, not willpower
</li>
<li data-start="1247" data-end="1322">
The biggest budgeting mistakes people don&rsquo;t even realise they&rsquo;re making
</li>
<li data-start="1323" data-end="1380">
How forgotten expenses quietly sabotage your cashflow
</li>
<li data-start="1381" data-end="1447">
Why honesty and buffers are essential to any successful budget
</li>
<li data-start="1448" data-end="1524">
How simplifying your bank accounts can completely change your money flow
</li>
<li data-start="1525" data-end="1586">
Why your financial goals must be built into your budget
</li>
</ul>
This episode is designed to help you get started properly, feel empowered again, and stop going around in circles with your money.
💡 If you&rsquo;d like deeper support, my SugarMamma Budget &amp; Cashflow Academy includes structured learning plus a one-on-one session with me. Learn more at courses.sugarmamma.tv
<hr data-start="1904" data-end="1907">
⚠️ Disclaimer
This podcast provides general information only and does not constitute personal financial advice. Please consider your own circumstances or seek advice from a licensed professional before making financial decisions.
💬 Let&rsquo;s Keep the Conversation Going
I&rsquo;d love to hear your thoughts on this episode! Reach out to me anytime on Instagram&nbsp;<a href="https://www.instagram.com/sugarmammatv">@SugarMammaTV</a>&nbsp;so we can keep this important conversation alive.
📚 My Books
If you&rsquo;re ready to deepen your financial knowledge, check out my books:
<ul>
<li>Best Seller:<a href="https://amzn.to/3RV0Bnq">The $1000 Project</a></li>
<li>**Mindful Money](<a href="https://amzn.to/3RV0poc">https://amzn.to/3RV0poc</a>)</li>
<li>Motivated Money by Peter Thornhill(a huge inspiration for me):&nbsp;<a href="https://amzn.to/40rn2Vr">Read it here</a></li>
</ul>
(These are Amazon affiliate links to my own books.)
💡 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: Why Your Budget Keeps Failing (And How to Finally Fix It)

https://api.omny.fm/orgs/2fb3740d-3436-44af-8cc0-a91900716aa5/clips/0804d193-055b-4391-af38-b3c80016299f/transcript

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