Christmas Without the Credit Card Hangover

Thoughtful, Not Pricey: My Golden Rules for Regifting

Regifting isn’t a crime, it’s common sense. In this bite-size Money Brew Christmas mini, I unpack how to regift with class and zero cringe. You’ll get three simple etiquette rules, a quick story, and a reminder that thoughtful doesn’t have to mean expensive. What you’ll learn * Why regifting can be smart, resourceful and sustainable * The 3 golden rules: 1. Never regift to the original giver 2. Only pass on new, unused, great-condition items 3. Add a small personal touch if you like - wrap nicely, include a note or chocolate * How regifting supports your budget and your boundaries Chapters 00:00 Welcome back to Money Brew Christmas 00:11 The spicy topic: regifting 00:27 Why we should ditch the shame 00:41 Doing it well is the trick 00:47 Rule 1: Don’t regift to the giver 01:31 Rule 2: Keep it new and pristine 01:50 Rule 3: Add a personal touch 02:05 Intentional, not cheap 02:24 Win-win mindset 02:34 Normalise regifting, protect your boundaries 02:39 Final reminder: thoughtful ≠ expensive Try this today * Do a quick cupboard audit and pick one unopened, gift-worthy item to rehome * Jot a simple “who-gifts-who” note in your phone to avoid mix-ups Share the love If this episode gave you permission to keep Christmas sane, send it to a friend and leave a quick rating. It helps more people find Money Brew. 🧁 Keywords: regifting etiquette, sustainable gifting, Christmas on a budget, financial boundaries, holiday money tips

Christmas Without the Credit Card Hangover

Is your credit card already sweating this Christmas? You’re not alone — and you don’t have to start the new year with a financial hangover. In this episode of The Money Brew, I’m sharing practical, realistic ways to enjoy a Christmas that’s merry, bright and financially sane — without the pressure to overspend. We chat about: • The “perfect Christmas” pressure trap • Simple swaps like Secret Santa and shared hosting • Setting financial (and emotional) caps • Why you can’t buy love with Afterpay • Thoughtful gift ideas that don’t end up in landfill This episode is for you if you want to enjoy Christmas without guilt, stress, or credit card regret — and focus on what really matters. 🎄 Save this episode for later ☕ Follow The Money Brew so you don’t miss the next pour

Big News + Christmas Magic: Your First Look at the Rebrand

The countdown is on! This short teaser marks the beginning of the podcast’s evolution from the Creo Wealth space into something even more personal, more empowering, and more you — welcome to What’s Brewing with Kylie. Think of it as your weekly coffee chat where we talk all things money, mindset, confidence, and creating a life you love. Plus… we’re kicking off with a special Christmas series featuring simple, joyful tips to help you stay financially calm and confident through the festive season. It’s raw, real, warm, and packed with heart — and I can’t wait to share it with you.

What does it cost to be you?

The True Cost of Being You: Financial Planning for Your Future Welcome back to another episode of The Money Brew! I'm your host, Kylie Sultana, and today we're discussing a question that might surprise you: What does it actually cost to be you? We'll dive into figuring out your daily, weekly, and monthly expenses to understand how much you need to maintain your lifestyle now and in retirement. Planning is key to financial security, and I'll share tips on tracking expenses, avoiding common mistakes, and preparing for the future. Learn about the importance of starting to save now, investing wisely, managing high-interest debt, and preparing for unexpected emergencies. Don't miss my insights and actionable advice to ensure you're financially prepared for a comfortable future that includes cocktails by the beach - or yelling at kids from your porch - your dreams are yours. 📌 This information is general advice. We have not considered your objectives, personal or financial circumstances. You should consider the appropriateness of the advice for your circumstances before making any decision.  Creo Wealth Pty Ltd ABN 96 605 894415 is a Corporate Authorised Representative (No. 1236172) of Matrix Planning Solutions Pty Limited ABN 45 087 470 200, AFS Licence No. 238256.

Why your inner circle matters - The Money Brew with Kylie Sultana

Ever heard the saying, you’re the average of the five people you spend the most time with? Today, Kylie talks abut how the people you surround yourself with impact your mindset, habits and choices - even the financial ones. If they’re goal-driven and supportive, they’ll lift you up. But if they’re stuck in bad money habits, you might find yourself dragged down too.Success isn’t just about what you know, it’s about who you know. Choose your circle wisely, and you’ll build habits that lead to financial freedom.Want to connect with like-minded people near Penrith? Reach out! Let’s grow together.Timestamps: 00:00 Welcome to the Money Brew Podcast01:17 The Power of Your Inner Circle04:02 Identifying Value-Adding Relationships06:17 Distancing from Negative Influences09:47 Expanding Your Wealth Mindset12:08 Common Questions and Practical Tips14:52 Conclusion and Final Thoughts