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. 3 DAGE SIDEN

    The Iran War Is Already Costing You, Here's What To Do About It

    Petrol is up 43%. Diesel has nearly doubled. But the financial damage from the Iran war goes way deeper than what you're paying at the pump, and a lot of it is already locked in, whether there's a ceasefire or not. In this episode, Frances Cook breaks down exactly what this means for your groceries, your mortgage, your job, and your KiwiSaver. And most importantly, what you can actually do about it right now. We’re talking: - Why fuel prices won't drop quickly even if the conflict ends - The fertiliser story nobody's talking about (and why it'll hit food prices in the months ahead) - What the Reserve Bank's latest warning means for your mortgage - Whether you should change anything with your KiwiSaver or investments - Practical steps you can take today on transport, food, your job security, and more This isn't doom and gloom for its own sake. It's about taking back control of the parts you can actually influence. 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 This podcast was filmed & produced by Fanaticals Video editing & content production by Lana Byrne Audio engineering by Tash Chittock

    48 min.
  2. 6 DAGE SIDEN

    How A ‘Personal Brand’ Gets You Paid More (Even If You’re Not An Influencer)

    Your personal brand could be the most powerful, yet overlooked, career tool you have. Marketing expert Stanley Henry, founder of The Attention Seeker, believes everyone from tradies, to career professionals, to business owners, build visibility online. And when they do, they attract opportunities, and earn more, even without going viral or becoming a full-time content creator. Stanley specialises in organic social media growth, helping everyday people figure out how to earn attention online without paying for it. The reality is the people who get the best opportunities aren't always the most qualified. They're the most visible. And if you're a secret, you don't get opportunities. In this episode: what a personal brand actually is, why it matters for your career and income, and exactly what a normal person needs to do to build one, without the cringe. 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 This podcast was filmed & produced by Fanaticals Video editing & content production by Lana Byrne Audio engineering by Tash Chittock

    46 min.
  3. 15. APR.

    Should You Buy Property or Invest in Stocks? Most Kiwis Get This Wrong

    Property vs shares. It’s one a big investing decision, and also an easy one to get stuck on. In this Ask the Experts episode, we’re tackling a question that comes up all the time: should you invest in property or the sharemarket? Frances Cook is joined by Katie Wesney from EnableMe to break down the real differences between property investing and sharemarket investing. We get into: – Is property still a good investment in New Zealand, or has the game changed? – What people don’t realise about the costs, risks, and returns of rental property – Why shares feel scarier, and how to get past that – The rise of DIY investing, and what beginners need to know before jumping in – How to choose between property and shares based on your goals (not someone else’s) – Simple ways to get started, even if you’re feeling overwhelmed 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! 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 This podcast was filmed & produced by Fanaticals Video editing & content production by Lana Byrne Audio engineering by Tash Chittock

    16 min.
  4. 12. APR.

    She Went From 'Bad With Money' To Successful Investor: What Actually Worked

    She used to think she was “bad with money.” Now she’s a confident, and unapologetically unconventional, investor. In this episode of Making Cents, Sophie Hallwright, co-founder of The Curve, is ready to unpack the messy path from financial self-doubt to building real confidence with money. Before helping thousands of women learn about investing, Sophie learned the hard way. This conversation digs into the reality behind that shift. The trial and error, the risks, and the lessons that actually stick. Because for many people, getting “good with money” doesn’t come from following a perfect plan. It comes from trying, failing, and figuring out what works. In this episode: The financial mistakes that shaped Sophie’s approach to moneyLessons from investing in shares and propertyThe reality of buying property with someone you met three weeks earlierWhat it’s really like to start a business with a friendPractical insights on building confidence and momentum with money Listen to more from Sophie @thecurveplatform or anywhere you listen to podcasts. 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 This podcast was filmed & produced by Fanaticals Video editing & content production by Lana Byrne Audio engineering by Tash Chittock

    55 min.
  5. 8. APR.

    Breakup reset: how to rebuild financially in your 40s and 50s

    A breakup doesn’t just end a relationship. It can blow up the entire financial plan you built together. For many people in their 40s and 50s, that means suddenly having to make huge money decisions alone, about the house, retirement, and what rebuilding your life actually looks like from here. In this episode of Ask the Experts, Will White from Heartland Bank is in the hot seat to help a listener facing exactly that situation. After a 10-year relationship ends, our listener is trying to decide whether to buy their ex-partner out of the family home, sell and downsize, or walk away and start again somewhere new. The numbers are tight. The lifestyle trade-offs are real. And with retirement getting closer, the stakes feel higher than ever. In this episode, Frances and Will cover: The biggest financial pressure points after a breakup in your 40s or 50sWhether buying out an ex-partner is a smart move, or a financial trapWhen selling and downsizing might actually put you in a stronger positionThe hidden financial risks of stretching your mortgage too farLifestyle trade-offs: space, pets, privacy, and quality of lifeWhether getting a flatmate or AirBnB could make the numbers workHow to rebuild financial stability when retirement is closer than you planned If you have a letter you’d like us to answer, 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 This podcast was filmed & produced by Fanaticals Video editing & content production by Lana Byrne Audio engineering by Tash Chittock

    12 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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