Interest rates are rising again — and for many homeowners, it’s starting to feel overwhelming.

But instead of panicking, what should you actually be doing right now? Fix your rates? Refinance? Review? Or accelerate your repayments?

In this episode of SugarMamma’s Fireplay, Canna Campbell sits down with senior mortgage broker Adam McCabe from Blue Lantern to break down exactly how to navigate rising interest rates with clarity and confidence.

This is not about fear — it’s about being informed, proactive, and strategic. Please note that this was recording prior to last week’s rate rises, however this information is still INVALUABLE!

Together, they cover:

✨ What rising interest rates really mean for your mortgage

✨ The biggest mistakes homeowners are making right now

✨ How to check if you’re still on a competitive rate

✨ When (and how) to refinance or renegotiate or even fix!

✨ What a “mortgage health check” actually involves

✨ How to protect your cashflow and reduce financial stress

✨ The role of buffers, offsets, and smarter loan structuring

✨ Why doing nothing could be costing you more than you realise

Whether you’re feeling the pressure already or simply want to stay one step ahead, this episode will give you the tools to make calm, confident financial decisions in a changing rate environment.

Should you wish to chat with Adam and take up his offer for a FREE Mortgage Health Check, you can contact him directly: Adam.mccabe@bluelantern.com.au or 0423 685 133

Please note that we do not receive ANY upfront or ongoing fees should you work with Adam McCabe from Blue Lantern. We are happy to connect you with people whom we have worked with for many years and from our experience and client feedback, have always been a greatly appreciated and valued resource. Especially when it comes to mortgages and debt recycling strategies.

🎯 KEY TAKEAWAY

Rising interest rates don’t have to mean losing control, but with the right strategy, they can be managed, optimised, and even used to your advantage.

GENERAL ADVICE ONLY: Please use this as a guide and for educational purposes only. Should you have any questions, please feel free to reach out to Canna@sugarmamma.tv

See omnystudio.com/listener for privacy information.

Emergency money is one of the most important — and most misunderstood — foundations of financial wellbeing.

In this Start Here episode, Canna walks through exactly how to build emergency savings from $0, without panic, shame or unrealistic expectations — even if you’re eager to move onto more advanced strategies like investing or debt recycling.

This episode is for anyone who:

• Feels overwhelmed by the idea of “saving enough”

• Is embarrassed by how little they’ve saved so far

• Wants to feel financially safe before taking bigger steps

• Is stuck between motivation and frustration

🧭 What You’ll Learn

• Why having no emergency savings is more common than you think (and not a personal failure)

• How to reframe emergency money as protection, not pessimism

• The two best places to keep emergency money if you have a mortgage (offset vs redraw)

• How to build emergency savings steadily without derailing your life or goals

• Why automation matters more than motivation

• How to stay motivated when progress feels slow

• What counts as a real emergency (and what doesn’t)

• How emergency money actually unlocks more opportunities — not fewer

• What exciting financial strategies become possible once this foundation is in place

💬 Key Takeaway

You’re not behind.

You’re not failing.

You’re building the foundation that makes everything else possible.

📚 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:

1. 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

1. Money Mindset & Manifestation Mentorship
   Join 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.

🌟 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).

See omnystudio.com/listener for privacy information.