The Money Brew

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

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.

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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.

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.

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

Welcome to another episode of The Money Brew with Kylie Sultana!

In this episode, Kylie busts the myth that you need to be rich to start building wealth and investing.

Discover why starting early, even with small amounts, is key to financial success. Kylie shares practical examples and tips on investing, the power of compounding interest, maximising your superannuation, and protecting your wealth with insurance.

Tune in to learn how small steps can lead to big financial growth and make smart moves with the money you have.00:00 Introduction to Financial Wisdom00:44 Debunking the Wealth Myth02:58 Starting Small with Investments04:59 The Power of Compounding Interest06:19 Superannuation: The Unsung Hero08:13 Protecting Your Wealth12:46 Final Thoughts and Action Steps

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💵 Join our Facebook Group: The Money Brew https://www.facebook.com/share/g/1U5YPYcKdmPfxoD7/🌐 Creo Wealth Website:https://creowealth.com.au/📷 Instagram:https://www.instagram.com/creowealth/👩‍💻 LinkedIn:https://www.linkedin.com/company/creo-wealth/At Creo Wealth, we help your everyday Australian create, grow and protect their wealth. We’re here to help you discover what financial freedom means to you. And we’re here to help you achieve it.The information provided on this channel is intended to provide general information only and the information has been prepared without taking into account any particular person’s objectives, financial situation or needs. In particular, you should obtain professional advice before acting on the information contained on this, or any other Creo Wealth social media channel and review the relevant Product Disclosure Statement (PDS). Relevant PDSs can be obtained by contacting us. No representation or warranty is made as to the accuracy, completeness or reliability of any estimates, opinions, conclusions or other information contained on this channel.Creo Wealth Pty Ltd (A.B.N. 96 605 894 415) is a Corporate Authorised Representative (No. 1246172) of Matrix Planning Solutions Pty Limited (A.B.N. 45 087 470 200) AFS Licence No. 238256.

Welcome back to The Money Brew with Kylie Sultana, co-founder of Creo Wealth.

In this episode, we kick off 2025 by diving into the importance of setting financial goals—whether they're short, medium, or long-term.

Kylie shares her personal milestones, the power of writing down goals, and tips on making your financial targets SMART: Specific, Measurable, Achievable, Relevant, and Time-bound.

From planning for vacations to budgeting apps and tracking progress, you’ll get all the inspiration you need to start the year strong.

Set a short-term financial goal after listening, and let's make 2025 the year to play big with your money!

00:00 Welcome to The Money Brew

00:10 Reflecting on the Past Decade

01:04 Setting Financial Goals for 2025

02:03 The Importance of Writing Down Goals

04:35 Short, Medium, and Long-Term Goals

05:11 Making Your Goals SMART

06:01 Tracking Progress and Staying Motivated

06:54 Wrapping Up and Setting Challenges

Want to learn more?

👋 Creo Wealth Facebook Page

🖼️ Creo Wealth Instagram

📺 Creo Wealth YouTube Channel

🏢 Creo Wealth LinkedIn

In this episode of 'The Money Brew,' hosts Kylie and Anthony Sultana discuss practical and impactful financial advice for real-life situations.

Anthony, a financial advisor with decades of experience, shares compelling stories of how he helped clients like 'Fred and Wilma' successfully retire and live out their dreams.

This episode highlights the importance of understanding your financial needs, planning for retirement, and seeking professional advice for key life events.

Tune in to learn valuable strategies for achieving financial security and living your best life.

Links:

Join our Facebook Group

Join me in this insightful episode with Chris Borrett from Bizleap as we explore the essential qualities to look for in a business coach and the strategies that can propel your business to new heights. Discover the importance of understanding your numbers, effective pricing, and the value of tough love in business coaching. Whether you're an aspiring entrepreneur or a seasoned business owner, this episode is packed with actionable tips to help you find the perfect coach and achieve lasting success. Tune in now and start your journey to a thriving business!

In this episode:

Links:

Bizleap website

LinkedIn - Chris Borrett

Creo Wealth website

Welcome back to 'The Money Brew'. Join me as I chat with Aaron Christie-David from Atelier Wealth Mortgage Brokers about his journey from corporate marketing to mortgage broker. Aaron shares the joy he gets helping people build property portfolios, aiming to provide a cushion for their retirement, and fostering a lifestyle not dictated solely by wages but by passion and preference.

In this episode:

Links:

The Happy Home Loan Handbook

Australian Property Investment Podcast

Atelier Wealth website

Tune in to "The Money Brew" - Aaron's story is not just about the success of Atelier Wealth but about the impact of shared dreams, resilience, and the pursuit of happiness in both his personal and professional life.