Making Cents

Frances Cook

The podcast for people who want financial freedom, without giving up their coffee. That means it's time to make the money world make cents. Join Frances Cook, best-selling author and award-winning journalist, to talk about the proven ways to invest your way to financial independence, buy your first home, or just get your spending under control. Every Monday we have the week's feature interview, with someone who's done something interesting with their money. From paying off a mountain of debt, or investing for financial independence, or starting a new business, these are the ordinary people making the extraordinary possible. On Thursday we have Ask the Experts, where industry insiders answer your questions on the money world. From earning more in your career, to investing, or sticking to a budget, they'll help make money simple. Every now and then you'll get a bonus episode too, but the fun of those is that you never know when they're coming!

  1. 1 dag siden

    The Hidden Areas Of NZ Where Houses Don't Cost As Much

    Are there still good property deals in New Zealand right now? Here's where to actually look. A listener wrote in with the question everyone's asking: prices are technically down, but they still feel expensive. Interest rates aren't friendly. Rents don't cover the mortgage. So is property investment still worth it, or has the window already closed? On this episode of Ask the Experts, Katie Wesney from EnableMe is ready to talk about what changes the calculations on whether property investment is worth it. In this episode: New builds vs. existing homes: which one actually protects your moneyThe real relationship between rental yield and capital gainsWhy buying outside your own city can be a smart risk-mitigation moveWhich parts of New Zealand currently have the strongest property fundamentalsHow to use equity in your own home instead of waiting to save a depositThe difference between a genuine bargain and a property that's "cheap for a reason"The one question to ask before buying ANY investment property If you've been told property investment doesn't work anymore, this episode will change how you think about it. If you have a letter you’d like us to answer, please send it through to ask@francescook.co.nz and you might feature on our next episode! Follow me everywhere! Facebook / https://www.facebook.com/FrancesCookNZ Instagram / https://www.instagram.com/francescooknz TikTok / https://www.tiktok.com/@francescooknz Join the Money Memo newsletter for a free weekly money tip in your inbox each week https://www.francescook.co.nz/subscribe Become a confident sharemarket investor by signing up to the Market Memo newsletter https://www.francescook.co.nz/invest #MakingCents #FrancesCook #MakingCentsPodcast #InvestingPodcast #MoneyPodcast #FinancialFreedom Production and video editing by Lana Byrne Audio engineering by Tash Chittock Filmed by Fanaticals

    16 min.
  2. 4 dage siden

    The $2 Daily Habit That Could Be Worth $419,000 at Retirement

    There's actual behavioural science behind why we freeze up around money, and it's the same science that Mark White-Robinson has built a business around solving. Mark is the co-founder of Feijoa, an app that rounds up your everyday purchases and tips that spare change straight into your KiwiSaver. Seven months in, his users are on track to build millions in retirement savings. The trick to money is usually small habits, over a long time. That's it. But there's a real science to making them stick. In this episode we get into: Why doing nothing is usually the worst financial decision you can makeThe three things that stop people taking action with money (and how to get around them)Why 1 million eligible New Zealanders are missing out on over a billion dollars a year in free KiwiSaver contributionsThe behavioural tricks built into Feijoa, and how to steal them for your own money lifeWhat open banking has changed for everyday Kiwis This episode of Making Cents is proudly supported by Odoo. Go to https://www.odoo.com/r/hpl now and try it for free, for 15 days. Follow me everywhere! Facebook / https://www.facebook.com/FrancesCookNZ Instagram / https://www.instagram.com/francescooknz TikTok / https://www.tiktok.com/@francescooknz Join the Money Memo newsletter for a free weekly money tip in your inbox each week https://www.francescook.co.nz/subscribe Become a confident sharemarket investor by signing up to the Market Memo newsletter https://www.francescook.co.nz/invest #MakingCents #FrancesCook #MakingCentsPodcast #InvestingPodcast #MoneyPodcast #FinancialFreedom Production and video editing by Lana Byrne Audio engineering by Tash Chittock Filmed by Fanaticals

    30 min.
  3. 1. jul.

    The New Rules of Running a Side Hustle in New Zealand

    Your side hustle is making real money. Now what? Because when the income is real, things are growing, you can suddenly realise the whole operation is held together with sticky tape and good intentions. Income from a job, income from side work, all of it landing in the same personal account with no clear picture of what's coming in, what's going out, or what any of it means for tax time. This week on Ask the Experts, James Gibson, head of Revolut Business, walks through exactly what to do when a side hustle outgrows its informal beginnings. It’s a question that a lot of self-employed New Zealanders will recognise: how do you set up your finances properly when your side hustle starts making serious money? This episode is proudly supported by Revolut Business. Sign up online and get a one-month free trial at this link https://get.revolut.com/e9Jc/makingcents1 T&Cs apply, subscription fees will apply at the end of the trial, see website for details. Revolut Payments New Zealand Pty Ltd. This episode covers: When to open a separate business bank account for your side hustleHow to manage multiple income streams without losing trackWhat happens if you mix personal and business finances, and why it matters at tax timeHow to track self-employed income and expenses without an accountantBudgeting and cash flow basics for first-time business ownersSimple financial systems for the self-employed that don't require a finance backgroundHow to structure your money when you're employed and self-employed at the same time If you have a letter you’d like us to answer, please send it through to ask@francescook.co.nz and you might feature on our next episode! Follow me everywhere! Facebook / https://www.facebook.com/FrancesCookNZ Instagram / https://www.instagram.com/francescooknz TikTok / https://www.tiktok.com/@francescooknz Join the Money Memo newsletter for a free weekly money tip in your inbox each week https://www.francescook.co.nz/subscribe Become a confident sharemarket investor by signing up to the Market Memo newsletter https://www.francescook.co.nz/invest #MakingCents #FrancesCook #MakingCentsPodcast #InvestingPodcast #MoneyPodcast #FinancialFreedom Production and video editing by Lana Byrne Audio engineering by Tash Chittock Filmed by Fanaticals

    15 min.
  4. 28. jun.

    Your Income Cheat Code: How Buying a Business Changes Everything

    There’s a wealth transfer ready to happen right now, but only if you know where to look for it. A generation of baby boomers built their businesses over decades. Now they're ready to retire. But they can't find buyers. Which means there are businesses out there right now, with existing customers, existing income, existing systems, waiting for the right person to take them over. Jeremy Pak has a ringside seat to all of it. He's a chartered accountant and managing director of Velocity Capital, who spends his days helping New Zealanders buy and sell businesses worth millions. What he's learned about how wealth actually gets built in this country might change how you think about your own options. In this episode we cover: When to buy a business, vs starting one from scratchHow to fund a business purchase even if you don't have cash sitting around (including vendor finance)What Jeremy is seeing in the market, and why he's forecasting a threefold increase in business sales next yearHow to stress test a business before you buy itWhich types of NZ businesses Jeremy thinks have the potential to earn the most This episode of Making Cents is proudly supported by Odoo. Go to https://www.odoo.com/r/hpl now and try it for free, for 15 days. Follow me everywhere! Facebook / https://www.facebook.com/FrancesCookNZ Instagram / https://www.instagram.com/francescooknz TikTok / https://www.tiktok.com/@francescooknz Join the Money Memo newsletter for a free weekly money tip in your inbox each week https://www.francescook.co.nz/subscribe Become a confident sharemarket investor by signing up to the Market Memo newsletter https://www.francescook.co.nz/invest #MakingCents #FrancesCook #MakingCentsPodcast #InvestingPodcast #MoneyPodcast #FinancialFreedom Production and video editing by Lana Byrne Audio engineering by Tash Chittock Filmed by Fanaticals

    45 min.
  5. 24. jun.

    Why "Being Normal" Is The Most Expensive Thing You Can Choose

    Being weird with money is the smartest thing you can do, to get financial freedom. Most of us are following the same money playbook, and it’s not working. Around 30% of New Zealanders don't have $1,000 in savings, and over 60% couldn't cover a real emergency. Frances Cook, financial journalist and host of Making Cents, shares exactly how embracing "weird" money habits helped her build financial freedom, and how you can do the same. In this episode: Why the standard approach to money keeps so many of us stuck, and what to do insteadThe hedonic treadmill: the psychology trick that's draining your walletHow to figure out what actually makes you happy (it's probably cheaper than you think)The secondhand challenge that changed Frances's financesWhy a cheaper daily life and big one-off experiences beats an expensive lifestyle every timeHow to stop spending on what other people want, and start spending on what YOU want Follow me everywhere! Facebook / https://www.facebook.com/FrancesCookNZ Instagram / https://www.instagram.com/francescooknz TikTok / https://www.tiktok.com/@francescooknz Join the Money Memo newsletter for a free weekly money tip in your inbox each week https://www.francescook.co.nz/subscribe Become a confident sharemarket investor by signing up to the Market Memo newsletter https://www.francescook.co.nz/invest #MakingCents #FrancesCook #MakingCentsPodcast #InvestingPodcast #MoneyPodcast #FinancialFreedom Production and video editing by Lana Byrne Audio engineering by Tash Chittock Filmed by Fanaticals

    28 min.

Om

The podcast for people who want financial freedom, without giving up their coffee. That means it's time to make the money world make cents. Join Frances Cook, best-selling author and award-winning journalist, to talk about the proven ways to invest your way to financial independence, buy your first home, or just get your spending under control. Every Monday we have the week's feature interview, with someone who's done something interesting with their money. From paying off a mountain of debt, or investing for financial independence, or starting a new business, these are the ordinary people making the extraordinary possible. On Thursday we have Ask the Experts, where industry insiders answer your questions on the money world. From earning more in your career, to investing, or sticking to a budget, they'll help make money simple. Every now and then you'll get a bonus episode too, but the fun of those is that you never know when they're coming!

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