Most families are going to have the tightest budget they have ever had this Christmas, including myself. Interest rate rises, inflation and the cost of food is really eating into our budgets and Christmas has a new perspective. However even though it will be more grounded, humble and quite possibly more simple, it doesn't mean that we have to skip the fun this Christmas or it be any less special. In fact, I think this tightening of budgets will give us a much needed reset and refresh of what the festive season is really about, which is connection, gratitude and time.  So in today's podcast, I share with you ALL the hacks to help keep you credit card debt free, and thriving on all levels with the most joyful festive season, filled with love, memories and meaningful moments.  Don't forget to subscribe to my other podcast, "How Do They Afford That?" with the team from Fear and Greed.  My Best Selling Books! The $1000 Project Book: booktopia.kh4ffx.net/DVqDMj  Mindful Money: booktopia.kh4ffx.net/Xxrz5o  My Instagram accounts to follow:  @SugarMammaTV – Money, budgeting, cashflow, motivation @CannaCampbellofficial – lifestyle, capsule wardrobe fashion, motherhood My YouTube channel - over 500 bite size videos with over 12,000,000 views! https://www.youtube.com/c/SugarMamma www.SugarMammaTV.com  Tik Tok - https://www.tiktok.com/@sugarmammatv 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 a Corporate Authorised Representative and Corporate Credit Representative of Wealthstream Financial Group Pty Ltd ABN 35 152 803 113 Australian Financial Services Licensee AFSL 412079.