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Speaker 1: Start here. If you're starting from scratch with money, if

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Speaker 1: you feel like you're starting from scratch with money, or

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Speaker 1: even starting for the very first time, I want you

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Speaker 1: to know something before we go any further. You are

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Speaker 1: completely safe here. And starting from scratch can look so

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Speaker 1: different for everyone. For some people it means no savings.

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Speaker 1: For others, it means debt like credit card debt by now,

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Speaker 1: pay later, or for many it means no investments, very

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Speaker 1: little in superannuation, and a quiet feeling that you should

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Speaker 1: be further ahead by now. But before we talk about

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Speaker 1: the steps or the systems or the strategies, I want

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Speaker 1: to say this clearly, starting again is not failure. It's

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Speaker 1: an opportunity. It's a beautiful opportunity to do things very

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Speaker 1: differently with more life experience under your belt, with so

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Speaker 1: much more awareness and more clarity about what really matters

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Speaker 1: to you and actually what makes you feel safe, supported

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Speaker 1: and loved, and you are not starting from nothing. You're

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Speaker 1: actually starting from a place of knowing so much better,

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Speaker 1: and that is so powerful. When people tell me that

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Speaker 1: they're like starting from scratch all over again, what they're

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Speaker 1: usually describing is actually this, They're living from paycheck to paycheck,

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Speaker 1: they have no buffer. They have consumer debt, you know

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Speaker 1: the buy now, pay later credit cards or sometimes even both.

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Speaker 1: And money stress, money stress that is quietly sitting in

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Speaker 1: the background, often keeping them awake at night, you know,

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Speaker 1: avoiding those bank balances because they feel overwhelming, or tapping

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Speaker 1: their debit card scared that it's going to bounce and decline.

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Speaker 1: But none of that means you're actually bad with money.

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Speaker 1: It actually means life has happened. There has been a

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Speaker 1: shift in priorities, a relationship has perhaps ended, or you've

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Speaker 1: been on in survival mode for so long and you're

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Speaker 1: only just coming out of it now, or perhaps no

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Speaker 1: one ever taught you how to run your money and

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Speaker 1: have a clear system in the first place. But the

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Speaker 1: thing is the moment you decide that you want things

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Speaker 1: to change, that moment right there where you make that

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Speaker 1: decision for yourself, that is the starting line of a

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Speaker 1: new chapter, an exciting chapter, your chapter. This is not

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Speaker 1: a chapter that is around punishment. It's a chapter about comeback.

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Speaker 1: It's about rebuilding yourself and reinventing yourself if you like. So,

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Speaker 1: instead of judging where you are, I want you to

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Speaker 1: get curious, because the first thing we need isn't actually

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Speaker 1: money right now. It's powerful direction, before we say, before

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Speaker 1: we start investing, before we fix anything. You need clarity

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Speaker 1: on these two things, and that is what does your

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Speaker 1: life need right now? And what do you want your

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Speaker 1: money to do for you? Do you need calm? Do

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Speaker 1: you need stability? Do you need safety? Do you need

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Speaker 1: less stress? Do you need more flexibility, more choice, or

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Speaker 1: a greater sense of control. That's where goals and budgeting

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Speaker 1: come together. A budget on its own can feel boring,

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Speaker 1: let's be honest and restrictive. But a budget that is

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Speaker 1: actually connected to your goals, you're exciting goals, the goals

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Speaker 1: that you feel really empowered to have a go at

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Speaker 1: now that feels purposeful. Your goals do not need to

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Speaker 1: be impressive. Your goals just need to be honest and authentic.

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Speaker 1: So they might be things like a goal to have

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Speaker 1: financial order and calm, a goal to have financial security,

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Speaker 1: a goal to have financial independence, even financial flexibility, or

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Speaker 1: just simply reducing financial stress in your life, or what

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Speaker 1: I think is important, a goal to feel proud about

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Speaker 1: yourself again when it comes to money. These goals are

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Speaker 1: exclusively yours nor societies and definitely not social media's and

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Speaker 1: once you know what you're working towards, the next step

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Speaker 1: is learning how to budget in your life in a

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Speaker 1: way that actually supports those goals, even when money is

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Speaker 1: perhaps particularly tight. Now this doesn't mean complexity, It just

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Speaker 1: means simplicity. You don't need ten accounts or complicated spreadsheets

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Speaker 1: that look like international phone books. You just need a

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Speaker 1: really clear cashflow system that works with your life. So together,

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Speaker 1: we're going to start right here simplicity. I like to

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Speaker 1: keep this really simple when it comes to talking about

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Speaker 1: my cash flow system and the budgeting, and it's built

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Speaker 1: around two simple core accounts which I teach in the

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Speaker 1: Sugar Mamma Budget and cash Flow Academy. So the first

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Speaker 1: account is your everyday spending account. This is where your

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Speaker 1: income is deposited. It lands here, and this is where

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Speaker 1: all of your regular expenses flow from, so like rand payments, groceries,

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Speaker 1: you know, gym memberships, bills, fuel, you know, the everyday life.

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Speaker 1: Then the second account is what I call your financial

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Speaker 1: float account. Now, this account is not for investing, and

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Speaker 1: it's not your emergency money either. It is your breathing space.

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Speaker 1: It is where you put money in each pay cycle,

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Speaker 1: even if it's only a smaller amount. Initially that money

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Speaker 1: must flow into this account on a regular basis. But

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Speaker 1: what this account does is actually incredibly powerful. It's like

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Speaker 1: the dark horse of your cash flow system. It absorbs

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Speaker 1: the irregular expenses, it smooths out your cash flow, and

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Speaker 1: it completely reduces that cash flow panic. It stops you

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Speaker 1: living right on the edge in between paydays. So for

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Speaker 1: many people, just setting up this second account dramatically lower

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Speaker 1: stress because suddenly life's little surprises don't derail everything. They

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Speaker 1: cover those strata bills, the quarterly energy or gas bills,

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Speaker 1: the car red Joe and CP, those Christmas presents or

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Speaker 1: that best friend's birthday gift. And once you've done your

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Speaker 1: budget and actually set this very simple system up, you

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Speaker 1: can clearly see what is actually left and what can

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Speaker 1: be adjusted and where money can actually be redirected. But

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Speaker 1: before we go and get tempted to use any spare

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Speaker 1: money to chase these exciting goals that we're thinking about,

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Speaker 1: there's one thing we've got to prioritize first, and that

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Speaker 1: is my friend's emergency money. Because growth without stability creates

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Speaker 1: major anxiety. Emergency money isn't about being pessimistic it's actually

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Speaker 1: about being intelligently proactive or even intelligently protective. It's not

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Speaker 1: about expecting disaster, but instead about giving yourself options when

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Speaker 1: life happens. Having some money set aside is better than

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Speaker 1: nothing at all. Don't get me wrong. But the real

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Speaker 1: goal isn't actually a generic number or formula like three

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Speaker 1: months of living expenses. It's more than that. It's deeper

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Speaker 1: than that. It's actually about having the right out of

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Speaker 1: money for your life and emergency money. That is, your

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Speaker 1: amount of emergency money should reflect your real life risks,

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Speaker 1: the kind of destructions your life could actually face, and

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Speaker 1: enough time to recover without mad panic, and enough space

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Speaker 1: to keep moving forward. And this money should live in

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Speaker 1: a separate account, away from temptation. It should not be invested,

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Speaker 1: It should not be touched for every day spending or

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Speaker 1: even irregular spending. And should you ever need to use

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Speaker 1: this money, such as for an emergency, only, replenishing that

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Speaker 1: account balance is your number one first priority. What emergency

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Speaker 1: money gives you is so powerful, and you probably don't

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Speaker 1: realize this until you've actually got it there, but it

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Speaker 1: gives you a sense of calm, It gives you a

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Speaker 1: sense of confidence, It gives you a sense of financial

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Speaker 1: resilience and the ability to bounce back quickly. But just

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Speaker 1: as importantly, it creates the environment where you can actually

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Speaker 1: safely take on more risks in your life later on,

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Speaker 1: when you're ready, because you've actually built that safety net first.

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Speaker 1: Emergency money takes patience, patients to build it up, and

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Speaker 1: it's painfully slow and boring. But you know what, that's okay,

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Speaker 1: that's fine. You are not here to rush your growth.

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Speaker 1: You're actually rebuilding stability first. And once that stability, that

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Speaker 1: financial stability, is in place, this is where things can

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Speaker 1: shift and start to accelerate into the next gear. But

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Speaker 1: this is where we must start beginning first. And that

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Speaker 1: doesn't mean we try and do by the way everything

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Speaker 1: at once. It means choosing one small, consistent action that

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Speaker 1: actually moves you forward. So let's talk about that. So

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Speaker 1: what does it look like to move forward once you've

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Speaker 1: built those emergency savings, Well, it might be saving on

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Speaker 1: a regular basis, or it might be starting to invest,

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Speaker 1: or restarting to invest, or finally engaging with your superannuation.

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Speaker 1: And that may look like getting some advice around consolidating

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Speaker 1: your accounts or simply learning where your superannuation money has

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Speaker 1: actually been invested and what contributions have been going in

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Speaker 1: and looking at some numbers as to where you should

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Speaker 1: be at and what you need to do to maybe

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Speaker 1: perhaps make up for lost time. Progress though, is at

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Speaker 1: this particular stage is not about speed. It's actually about

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Speaker 1: consistency and building your own knowledge. And this is where

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Speaker 1: everything starts to loop back into the budget that we

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Speaker 1: just spoke about. Because goals don't just happen by intention alone.

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Speaker 1: They happen when they're intentionally built into your cash flow system. Again,

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Speaker 1: this is something I teach as part of the cash

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Speaker 1: Flow Academy, and I'll link this obviously in the podcast notes.

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Speaker 1: But this cash flow system is where you return to

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Speaker 1: your budget and you deliberately plug in those goals, ideally

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Speaker 1: through automation where you can so they can quietly happen

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Speaker 1: in the background without having to rely on your will power,

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Speaker 1: your organizational skills, or your self discipline. But once you

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Speaker 1: start doing that, setting up the actual mechanics and prioritizing

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Speaker 1: those goals in your budget, something really important needs to happen.

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Speaker 1: You need to start tracking your progress, not obsessively, not intentionally,

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Speaker 1: but if progress isn't visible, your motivation will start to fade.

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Speaker 1: Trust me on that. This is why I always say

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Speaker 1: progress fuel success. So this is why you've got to

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Speaker 1: be tracking your numbers and you can see what matters

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Speaker 1: your cash flow system, your emergency money, your savings, your investments,

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Speaker 1: your engagement with your superannuation. Seeing that progress, even the

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Speaker 1: small bits, the one dollars, the fifty cents, I don't

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Speaker 1: care what it is, this builds confidence within and that

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Speaker 1: confidence then goes on to build momentum. Now here's something

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Speaker 1: really important for you to remember. In the early stages,

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Speaker 1: progress often shows up emotionally before it shows up financially.

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Speaker 1: So instead of only checking the balances and the passive income,

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Speaker 1: check in with yourself, take a moment to take a

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Speaker 1: deep breath and see how you're feeling since starting this progress.

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Speaker 1: Are you feeling calmer, You're feeling less of avoidance around money?

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Speaker 1: Are you feeling just a little bit more in control

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Speaker 1: and hopeful for your financial future? Even just a one

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Speaker 1: percent shift in your mindset is so powerful. You know,

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Speaker 1: confidence always grows way before the balances do, and that's

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Speaker 1: exactly how it should be. So if you're feeling overwhelmed

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Speaker 1: right now. I don't want you to try and fix

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Speaker 1: everything today. I just want you to take one simple

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Speaker 1: step at a time. I want you to open up

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Speaker 1: your banking app. I want you to look at the numbers.

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Speaker 1: I want you to write them down, no judgment. That's

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Speaker 1: just simple, refreshing awareness, and that's your starting line for change.

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Speaker 1: From this very moment, you can build the cash flow system.

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Speaker 1: You can do your budget. You can start creating space

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Speaker 1: in your life to allow more money and to allow

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Speaker 1: your goals to start being achieved and what yourself financially flourish.

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Speaker 1: You can choose one simple goal, if you like, that,

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Speaker 1: one simple goal that you would feel so proud of achieving,

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Speaker 1: particularly as you look back in a few months time

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Speaker 1: or even at the end of the year, you start

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Speaker 1: to feel stable, and then from there you can continue

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Speaker 1: on to grow and stretch for bigger, better things should

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Speaker 1: you wish. But starting from scratch is never a disadvantage.

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Speaker 1: It is a chance to rebuild your financial life with clarity,

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Speaker 1: with intention, experience, and self trust, something you can be

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Speaker 1: deeply proud of and something you built carefully, intentionally and

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Speaker 1: of course deliberately. You're never behind, You're at the beginning

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Speaker 1: you're the beginning of something really exciting and that matters.

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Speaker 1: That matters to you, and that actually really matters to me.

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Speaker 1: If this episode really resonated with you and you'd like

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Speaker 1: me to continue on sharing more beyond this point of

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Speaker 1: doing your budget, building your cash flow system, and working

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Speaker 1: on those simple goals, make sure you send me a

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Speaker 1: DM on Instagram and let me know your thoughts. And

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Speaker 1: of course, in the meantime, please take the time to

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Speaker 1: share this episode with someone who really needs to hear

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Speaker 1: about starting or restarting from nothing, because remember, it's not

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Speaker 1: the end. It is just the beginning of a very

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Speaker 1: exciting chapter. Now, if you ever have any questions where

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Speaker 1: you'd like me to answer your start here, or you

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Speaker 1: have any particular topics that you want me to address

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Speaker 1: on either Sugar Mama's Fireplay or start Here, just contact

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Speaker 1: me through Instagram at sugar Mama TV, or of course

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Speaker 1: Canna Campbell Official. All right, I'll see you next Monday

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Speaker 1: for Sugar Mama's Fireplay. Chow Funny