Quick Hit: Mortgage Hacks That Don't Work Making Cents podcast

1
When can you crack into your KiwiSaver early? 17:39

4 hours ago17:39

17:39

Welcome to Ask the Experts, where each week we talk to people in the industry to get the inside word on what’s happening right now, and what that means for the tactics that you should use to make the most of your money. This week we’ve partnered up with AMP, who has kindly leant us their expert Devon Walen, a client adviser, and we’re talking about when you can crack into your KiwiSaver a little early, whether it’s for good, or bad reasons. Links Follow Frances Cook on Facebook , Instagram and TikTok , or join the Money Memo newsletter for a free weekly money tip in your inbox each week. Hosted on Acast. See acast.com/privacy for more information.…

1
Listener mail: Buy your first home or invest? LIVE REPLAY 45:20

1 day ago45:20

45:20

Live replay from a YouTube listener mail question. After years of living paycheck to paycheck, a Making Cents listener has received a substantial inheritance. But now she's frozen, worried about making the right choice, and torn between buying a first home for her family, or investing the money. There's also a layer of emotional pressure to not waste the gift her beloved dad left her. Frances Cook lays out the best money options for this situation, as well as inviting the Making Cents community to offer their own advice for this situation. Links Follow Frances Cook on Facebook , Instagram and TikTok , or join the Money Memo newsletter for a free weekly money tip in your inbox each week. Hosted on Acast. See acast.com/privacy for more information.…

1
AI vs human mortgage advice: Why 77% now prefer the robot 37:54

3 days ago37:54

37:54

Roy Chowdhury, founder of Homely, shares how he created an AI tool to make home lending easier, and the dangers of letting AI take part in your financial decisions. The property journey can be a frustrating one, and frankly, a bit intimidating. We’re talking big numbers, lots of jargon, and people in suits who are in charge of telling you yes or no to your dream. Lovely. So what about a digital helper? An app, that helps you figure out what’s possible and what’s not? Of course, it’s 2025, so it’s using AI. Now this might sound like a welcome handy helper, or it might freak you right out, because you’re wondering why you would trust AI with some of your most sensitive financial information. So let’s dive in - what’s possible, what’s not, and should you trust it? Making Cents is supported by our friends at Kiwibank. Links Follow Frances Cook on Facebook , Instagram and TikTok , or join the Money Memo newsletter for a free weekly money tip in your inbox each week. Hosted on Acast. See acast.com/privacy for more information.…

1
How to crush your mortgage while rates are low 18:01

7 days ago18:01

18:01

Welcome to Ask the Experts, where each week we talk to people in the industry to get the inside word on what’s happening right now, and what that means for the tactics that you should use to make the most of your money. Interest rates are finally coming down, and so many of us breathe a sigh of relief, especially all the people with a mortgage. But how do you make the most of that, and maybe even get ahead, by putting that new interest rate to work? To get under the skin of the banking world we’ve partnered up with Kiwibank, who has kindly leant us their expert Nicole Pervan, and we’re going to smash through this. Links Follow Frances Cook on Facebook , Instagram and TikTok , or join the Money Memo newsletter for a free weekly money tip in your inbox each week. Hosted on Acast. See acast.com/privacy for more information.…

1
Quick Hit: Mortgage hacks that don't work 10:32

8 days ago10:32

10:32

A highlight clip from the February 10h episode, “Viral mortgage hacks debunked: Separating clickbait from real advice”, with Dan Bell, financial adviser and co-founder of Colab Mortgages. Links Follow Frances Cook on Facebook , Instagram and TikTok , or join the Money Memo newsletter for a free weekly money tip in your inbox each week. Hosted on Acast. See acast.com/privacy for more information.…

1
How to hack your brain to make saving fun 40:05

10 days ago40:05

40:05

Welcome to Making Cents, the podcast for people who want financial freedom without giving up their coffee, supported by our lovely friends at Kiwibank. I’m Frances Cook, an independent financial journalist and fellow financial freedom seeker who makes money simple for you. Have you ever wished you could hack your brain, so that you can actually do all of that good stuff you know you should be doing with your money? You know, saving for a rainy day, paying off debt, investing… we know we should, but we often don’t, because frankly there are other things to do that are way more fun. Well, enter the latest tech innovation. They’ve tapped into the behavioural psychology that’s often used to keep us online, or gambling, or doing other naughty things… and they’ve flipped it, to help us do the good stuff instead. Hosted on Acast. See acast.com/privacy for more information.…

1
The small business finance guide for people who hate numbers 16:52

14 days ago16:52

16:52

Welcome to Ask the Experts, where each week we talk to people in the industry to get the inside word on what’s happening right now, and what that means for the tactics that you should use to make the most of your money. This week we’ve partnered up with Xero, which has kindly lent us their expert GM Sustainability and Impact Tam Somers, and we’re talking about how we shouldn’t let the fear of numbers hold us back from those dreams of launching a side hustle or small business, absolutely speaking my language on this one because I don’t love the spreadsheet side of my business either, but it’s still doable! Links Follow Frances Cook on Facebook , Instagram and TikTok , or join the Money Memo newsletter for a free weekly money tip in your inbox each week. Hosted on Acast. See acast.com/privacy for more information.…

1
Your 2025 financial survival plan: LIVE replay 53:54

15 days ago53:54

53:54

With tariffs flying, interest rates falling, and the job market looking a little rough... how do you survive? Here's a survival plan, and an Ask Me Anything session, so that you can feel more confident with your cash in 2025. Links Follow Frances Cook on Facebook , Instagram and TikTok , or join the Money Memo newsletter for a free weekly money tip in your inbox each week. Hosted on Acast. See acast.com/privacy for more information.…

1
Escaping the broken 9-5: How Rosie McCarthy went from poverty to a $3m business, then burned it all down 1:05:55

17 days ago1:05:55

1:05:55

Welcome to Making Cents, the podcast for people who want financial freedom without giving up their coffee, supported by our lovely friends at Kiwibank. I’m Frances Cook, an independent financial journalist and fellow financial freedom seeker who makes money simple for you. How much money would it take for you to abandon your morals? Or sell something that you didn’t really believe in anymore? That’s the question that today’s guest Rosie McCarthy had to ask herself. She’d built up a career coaching business, Badass Careers, and was making over a million dollars in sales a year. And yet, as it progressed, she got disillusioned. She had ringside seats to exactly how bruising the world of work was becoming, and she wasn’t sure she wanted to encourage people into the corporate grind anymore. Instead, she was becoming more convinced of self-employment, and entrepreneurship, as the path to help people find financial freedom while still living a life that they found rewarding. So she decided… time to shut it all down, and start again. To leap into the unknown, stop being a career coach, and instead help people build a business for themselves. So why has the world of work turned so toxic, and should we all become our boss? Let’s talk about it. Links Follow Frances Cook on Facebook , Instagram and TikTok , or join the Money Memo newsletter for a free weekly money tip in your inbox each week. Hosted on Acast. See acast.com/privacy for more information.…

1
Tariffs, inflation, and interest rates: LIVE REPLAY we answer your money questions 53:50

20 days ago53:50

53:50

A replay of the live webinar version of Making Cents, answering audience questions on tariffs, how to invest when the market is down, what to do about KiwiSaver, best strategies for the mortgage while interest rates are falling, and whether your job is safe. Links Follow Frances Cook on Facebook , Instagram and TikTok , or join the Money Memo newsletter for a free weekly money tip in your inbox each week. Hosted on Acast. See acast.com/privacy for more information.…

1
Avoid these home buying mistakes: Non-negotiables, weird open home tricks, and red flags 28:16

21 days ago28:16

28:16

Welcome to Ask the Experts, where each week we talk to people in the industry to get the inside word on what’s happening right now, and what that means for the tactics that you should use to make the most of your money. We’ve been talking a lot about a buyer’s market in property, which has led to my DMs filling up with hopeful first home buyers, saying, is it our time? So this week I’ve partnered up with realestate.co.nz, who has kindly leant us their expert Vanessa Williams, and she’s going to help us answer exactly that - if you want to buy now, can you make the most of the current situation? Links Follow Frances Cook on Facebook , Instagram and TikTok , or join the Money Memo newsletter for a free weekly money tip in your inbox each week. Hosted on Acast. See acast.com/privacy for more information.…

1
"TradeMe nearly failed... then we sold for $750 million" - Rowan Simpson on how to make millions in startups 58:22

24 days ago58:22

58:22

There’s investing, and then there’s "Capital I Investing", the one that comes with big risk, and if it works, big reward. Today’s guest Rowan Simpson is someone who’s flown under the radar in that scene for a while, first working at some of our iconic tech startups, and then investing in them. Rowan Simpson started out by saving up $10,000 to create his own tech company, Flathunt.co.nz. He’s since gone on a journey that involves TradeMe, Xero, Vend, and Timely, iconic companies, and he’s got millions more than that first $10,000. Now, he’s a private and early-stage venture investor, keeping an eye out for that next great business that can take the world by storm So how did he get from $10,000 to tens of millions… and what does he want the rest of us to know, before we try to copy him? Links Follow Frances Cook on Facebook , Instagram and TikTok , or join the Money Memo newsletter for a free weekly money tip in your inbox each week. Hosted on Acast. See acast.com/privacy for more information.…

1
Your small business crystal ball: Predicting success from past numbers 12:48

28 days ago12:48

12:48

Welcome to Ask the Experts, where each week we talk to people in the industry to get the inside word on what’s happening right now, and what that means for the tactics that you should use to make the most of your money. This week we’ve partnered up with Xero, which has kindly leant us their expert Mere Teinaki, from Northland Chartered Accountants, and we’re talking about how everyone says you need to know your numbers... but how do you actually do that? Then, how you use that to make a plan? Basically, it's how to use the past to predict the future. If you want to bag a bargain, Making Cents listeners can get a whopper of a discount on Xero. Go to this link xero.com/francescoo k to help supercharge your small business. The information in this podcast is general information only and you should seek appropriate tax, financial and legal advice as may be appropriate for your personal or business needs. Links Follow Frances Cook on Facebook , Instagram and TikTok , or join the Money Memo newsletter for a free weekly money tip in your inbox each week. Hosted on Acast. See acast.com/privacy for more information.…

1
Quick Hit: Do you need a degree for your dream job? 13:21

29 days ago13:21

13:21

A highlight clip from the February 17h episode, “How to negotiate your career like a CEO”, with Rhiannon McKinnon, former CEO of Kiwi Wealth, current CEO and founder of CEO101. Links Follow Frances Cook on Facebook , Instagram and TikTok , or join the Money Memo newsletter for a free weekly money tip in your inbox each week. Hosted on Acast. See acast.com/privacy for more information.…

1
Housing, KiwiSaver, and debt: Solving NZ’s biggest money issues with the Retirement Commissioner 57:32

4 weeks ago57:32

57:32

Retirement Commissioner Jane Wrightson explains some of the biggest money mistakes she sees, and how we can all do something to fix them. Money can be frustrating, and all of us have had at least once or twice when we’ve wondered, why isn’t someone trying to make this a bit easier for me? Why does it have to feel like such an uphill battle? Well, there are actually some people whose job it is to work away behind the scenes, badgering the government on everything from changing our education system, to retirement savings, to housing… it’s just that, well, there’s a lot to fix and sometimes resistance to fixing it. One of those people here in New Zealand is the Retirement Commissioner. And actually, her job starts well before you or I turn 65. One of her big projects at the moment, is actually helping us stamp out money problems while we’re still at school. So what are most of us getting wrong with our money, and are there easy wins, whether it’s from us, or bigger government changes? Links Follow Frances Cook on Facebook , Instagram and TikTok , or join the Money Memo newsletter for a free weekly money tip in your inbox each week. Hosted on Acast. See acast.com/privacy for more information.…

M

Making Cents

1
People are getting scammed - here's what you need to know 25:00

5 weeks ago25:00

25:00

Welcome to Ask the Experts, where each week we talk to people in the industry to get the inside word on what’s happening right now, and what that means for the tactics that you should use to make the most of your money. This week we’ve partnered up with Kiwibank, who has kindly leant us their expert fraud specialist Alyssa Charles-Green, and we’re talking about the fraudsters and scammers who want to get you, and how you can beat them at their own game. Links Follow Frances Cook on Facebook , Instagram and TikTok , or join the Money Memo newsletter for a free weekly money tip in your inbox each week. Hosted on Acast. See acast.com/privacy for more information.…

M

Making Cents

1
Quick Hit: What's currency risk for your investments? 3:21

5 weeks ago3:21

3:21

A highlight clip from the November 11h episode, “Your questions, answered: Why I quit, best investing strategy?”. Links Follow Frances Cook on Facebook , Instagram and TikTok , or join the Money Memo newsletter for a free weekly money tip in your inbox each week. Hosted on Acast. See acast.com/privacy for more information.…

M

Making Cents

1
The four levels of FU money - and how to build them 32:52

5 weeks ago32:52

32:52

If you've ever wondered, what is FU money, and could you ever have enough to quit your job? In this episode Frances breaks down what FU money is, and the four levels that make it easier to achieve, from basic survival funds to true financial independence. Then it's into an Ask Me Anything, for your burning questions including how investment funds work, and the benefits of rentvesting as an alternative to buying a home. Links Follow Frances Cook on Facebook , Instagram and TikTok , or join the Money Memo newsletter for a free weekly money tip in your inbox each week. Hosted on Acast. See acast.com/privacy for more information.…

M

Making Cents

1
How to invest in 2025: Predictions, risks, and strategies to sleep easy 22:35

6 weeks ago22:35

22:35

Welcome to Ask the Experts, where each week we talk to people in the industry to get the inside word on what’s happening right now, and what that means for the tactics that you should use to make the most of your money. This week we’ve partnered up with AMP, which has kindly leant us their expert Aaron Klee, General Manager, Investment Management. We’re talking how it feels like the world is falling apart at the moment, and how to invest through volatility, uncertainty, and a rollercoaster ride of a stock market. Links Follow Frances Cook on Facebook , Instagram and TikTok , or join the Money Memo newsletter for a free weekly money tip in your inbox each week. Hosted on Acast. See acast.com/privacy for more information.…

M

Making Cents

1
Quick Hit: How to turn a creative career into a real business 11:55

6 weeks ago11:55

11:55

A highlight clip from the December 9th episode, “The secret to making money doing what you love”, with Pepper Raccoon, artist and merch designer. Links Follow Frances Cook on Facebook , Instagram and TikTok , or join the Money Memo newsletter for a free weekly money tip in your inbox each week. Hosted on Acast. See acast.com/privacy for more information.…

M

Making Cents

1
“Screw it, just try” – how to turn your side hustle into the main hustle 50:20

6 weeks ago50:20

50:20

Beth Vickers, vocal coach, singer, doula, gardening influencer, shares how motherhood led to changing everything about her career. It can be really hard to make life and work fit together, and that’s particularly the case when kids come along. Time becomes scarcer than ever, but you also very much need to keep paying the bills. Now you might not think that that’s the ideal time to launch your own business… but that’s what one mum did. She took the leap into the self-employed life, and found that with a bit of planning she was actually working less, earning more, and enjoying life a lot more. Here’s the unusual way she made it work. Links Follow Frances Cook on Facebook , Instagram and TikTok , or join the Money Memo newsletter for a free weekly money tip in your inbox each week. Hosted on Acast. See acast.com/privacy for more information.…

M

Making Cents

1
The smart house seller's guide: Winning tactics for a changing property market 25:25

7 weeks ago25:25

25:25

Welcome to Ask the Experts, where each week we talk to people in the industry to get the inside word on what’s happening right now, and what that means for the tactics that you should use to make the most of your money. This week I’ve partnered up with realestate.co.nz, who has kindly leant us their expert Vanessa Williams, and we’re talking about what you need to know before you sell your house, so that you can be the smartest seller out there. Links If you want to join the Money Bootcamp course, click here https://www.francescook.co.nz/money-bootcamp Follow Frances Cook on Facebook , Instagram and TikTok , or join the Money Memo newsletter for a free weekly money tip in your inbox each week. Hosted on Acast. See acast.com/privacy for more information.…

M

Making Cents

1
Quick Hit: How to boost your money motivation 4:29

7 weeks ago4:29

4:29

A highlight clip from the November 4th episode, “The no BS strategy for budgeting, investment, and ditching debt”, with Glen James, author of The Quick-Start Guide to Investing and host of the Money Money Money podcast. Links If you want to join the Money Bootcamp course, click here https://www.francescook.co.nz/money-bootcamp Follow Frances Cook on Facebook , Instagram and TikTok , or join the Money Memo newsletter for a free weekly money tip in your inbox each week. Hosted on Acast. See acast.com/privacy for more information.…

M

Making Cents

1
"You can be a good Muslim and be rich" - the world of halal investing 47:27

7 weeks ago47:27

47:27

Muhammad Lambat, content creator and founder of @musliminvesting, shares how halal investing works, and some of the barriers for Muslim people becoming confident with their money. There are lots of issues that can hold people back from learning about their money, and one of them is just feeling like it could all be a bit complicated and hard. So add in a layer of religion, and what works and doesn’t work for your faith, and you have a recipe for people getting confused, and giving up. Enter Muhammad Lambat from Muslim Investing. He’s dedicated himself to figuring out halal investing, and what that means, from whether you can get a mortgage, to when crypto is ok, or not. There are also lots of grey areas, where even people in the know disagree. So let’s jump in to figure it out. Links If you want to join the Money Bootcamp course, click here https://www.francescook.co.nz/money-bootcamp Follow Frances Cook on Facebook , Instagram and TikTok , or join the Money Memo newsletter for a free weekly money tip in your inbox each week. Hosted on Acast. See acast.com/privacy for more information.…

M

Making Cents

1
Tax time myths, expenses, and avoiding costly mistakes 24:15

8 weeks ago24:15

24:15

Welcome to Ask the Experts, where each week we talk to people in the industry to get the inside word on what’s happening right now, and what that means for the tactics that you should use to make the most of your money. This week I’ve partnered up with Xero, who has kindly lent us their expert, chartered accountant Paul Churchman, and we’re talking about the myths that pop up at the end of the financial year. If you want to bag a bargain, Making Cents listeners can get a whopper of a discount on Xero! Go to this link xero.com/francescoo k to help supercharge your small business. The information in this podcast is general information only and you should seek appropriate tax, financial and legal advice as may be appropriate for your personal or business needs. Links If you want to join the Money Bootcamp course, go to https://www.francescook.co.nz/money-bootcamp Follow Frances Cook on Facebook , Instagram and TikTok , or join the Money Memo newsletter for a free weekly money tip in your inbox each week. Hosted on Acast. See acast.com/privacy for more information.…

M

Making Cents

1
Quick Hit: Why mini retirement beats early retirement 8:40

8 weeks ago8:40

8:40

A highlight clip from the December 23rd episode, “Why this family switched 'early retirement' for 'mini retirement' in a van”, with Kellie Dawson. Links If you want to join the Money Bootcamp course, click here https://www.francescook.co.nz/money-bootcamp Follow Frances Cook on Facebook , Instagram and TikTok , or join the Money Memo newsletter for a free weekly money tip in your inbox each week. Hosted on Acast. See acast.com/privacy for more information.…

M

Making Cents

1
How to organise your home to save money 40:32

8 weeks ago40:32

40:32

Angela McLachlan, professional organiser and founder of Sort My House, shares how to organise your life to reduce stress and save money. When you’re trying to live your best life for less, there’s an underrated trick… just getting organised. Knowing what you have, and where it is, can mean not buying as much overall. Not to mention, your time has value, and being organised can save a heap of that. But where do you start, and do you need to buy a bunch of stuff to get organised too? Let’s bring in the pros. Links If you want to join the Money Bootcamp course, click here https://www.francescook.co.nz/money-bootcamp Follow Frances Cook on Facebook , Instagram and TikTok , or join the Money Memo newsletter for a free weekly money tip in your inbox each week. Hosted on Acast. See acast.com/privacy for more information.…

M

Making Cents

1
From budgets to bottles, how to prep your money for parenthood 16:20

9 weeks ago16:20

16:20

Welcome to Ask the Experts, where each week we talk to people in the industry to get the inside word on what’s happening right now, and what that means for the tactics that you should use to make the most of your money. This week we’ve partnered up with Kiwibank, which has kindly leant us their expert Hayley Tito, senior product manager for everyday banking, and we’re talking parenthood and how that changes your finances. Links Follow Frances Cook on Facebook , Instagram and TikTok , or join the Money Memo newsletter for a free weekly money tip in your inbox each week. Hosted on Acast. See acast.com/privacy for more information.…

M

Making Cents

1
Quick Hit: Why loving your job can hold you back 14:11

9 weeks ago14:11

14:11

A highlight clip from the December 16th episode, “The hidden psychology that helps you build wealth - and why meditating hurts your money”, with Dr Brad Klontz, co-author of the new book Start Thinking Rich: 21 Harsh Truths to Take You from Broke to Financial Freedom. Links Follow Frances Cook on Facebook , Instagram and TikTok , or join the Money Memo newsletter for a free weekly money tip in your inbox each week. Hosted on Acast. See acast.com/privacy for more information.…

M

Making Cents

1
Predatory lending just got worse - the ugly truth of cosmetic surgery loans 34:18

9 weeks ago34:18

34:18

Frances Cook breaks down the problem with plastic surgery loans now targeting you on social media, then answers your questions in a quick-fire Ask Me Anything session. Links Follow Frances Cook on Facebook , Instagram and TikTok , or join the Money Memo newsletter for a free weekly money tip in your inbox each week. Hosted on Acast. See acast.com/privacy for more information.…

M

Making Cents

1
Why is insurance getting more expensive? 26:52

10 weeks ago26:52

26:52

Welcome to Ask the Experts, where each week we talk to people in the industry to get the inside word on what’s happening right now, and what that means for the tactics that you should use to make the most of your money. This week we’ve partnered up with AdviceFirst, which has kindly leant us their expert Willie Moala, national insurance lead. We're talking everything you've always wanted to know about insurance, including what you need, and what you don't. Links Follow Frances Cook on Facebook , Instagram and TikTok , or join the Money Memo newsletter for a free weekly money tip in your inbox each week. Hosted on Acast. See acast.com/privacy for more information.…

M

Making Cents

1
Quick Hit: How to combine family life, and financial freedom 7:41

10 weeks ago7:41

7:41

A highlight clip from the December 23rd episode, “Why this family switched 'early retirement' for 'mini retirement' in a van”, with Kellie Dawson, financial freedom seeker and mum. Links Follow Frances Cook on Facebook , Instagram and TikTok , or join the Money Memo newsletter for a free weekly money tip in your inbox each week. Hosted on Acast. See acast.com/privacy for more information.…

M

Making Cents

1
How to negotiate your career like a CEO 1:00:03

10 weeks ago1:00:03

1:00:03

Rhiannon McKinnon, former CEO of Kiwi Wealth, current CEO and founder of CEO101, talks climbing to the top of the finance industry, how analysts make investing decisions, and how to take your career to the next level. Your career is a huge investment in your financial future, but only if you take control of it. If you want to earn more, and get the bigger opportunities, you have to get strategic, and learn how to negotiate. So how pushy can you get? Well let’s talk to someone who’s been at the top of the financial industry, so they can tell us not only how to negotiate like a CEO… but also how to invest like one. Links Follow Frances Cook on Facebook , Instagram and TikTok , or join the Money Memo newsletter for a free weekly money tip in your inbox each week. Hosted on Acast. See acast.com/privacy for more information.…

M

Making Cents

1
Myth or truth: Do property values really double every ten years? 19:44

11 weeks ago19:44

19:44

Welcome to Ask the Experts, where each week we talk to people in the industry to get the inside word on what’s happening right now, and what that means for the tactics that you should use to make the most of your money. This week I’ve partnered up with realestate.co.nz, who has kindly leant us their expert Vanessa Williams, and we’re talking about what actually happens with house values, the myths, and the truth of it. Links Follow Frances Cook on Facebook , Instagram and TikTok , or join the Money Memo newsletter for a free weekly money tip in your inbox each week. Hosted on Acast. See acast.com/privacy for more information.…

M

Making Cents

1
Quick Hit: Be careful of making "bad with money" your personality 4:13

11 weeks ago4:13

4:13

A highlight clip from the Novemer 11th episode, “Your questions, answered: Why I quit, best investing strategy?”. Links Follow Frances Cook on Facebook , Instagram and TikTok , or join the Money Memo newsletter for a free weekly money tip in your inbox each week. Hosted on Acast. See acast.com/privacy for more information.…

M

Making Cents

1
Viral mortgage hacks debunked: Separating clickbait from real advice 47:30

11 weeks ago47:30

47:30

Dan Bell, financial adviser and co-founder of Colab Mortgages, shares how his tips for property investment, mastering the mortgage, and understanding international money markets. If you’ve been lucky enough to get a first home, or even an investment property, there’s two things that happen quite quickly. First, the excitement of making a big money move for your future. Second, the mild panic of seeing several hundred thousand dollars of mortgage debt turn up in your account. And there are all sorts of ‘gurus’ who take advantage of that to get your attention with mortgage hacks that may or may not work. So what’s good, and what’s not, from someone who both works in the financial industry and is a property investor themselves? Let’s find out. Links Follow Frances Cook on Facebook , Instagram and TikTok , or join the Money Memo newsletter for a free weekly money tip in your inbox each week. Hosted on Acast. See acast.com/privacy for more information.…

M

Making Cents

1
Small business hacks: accountant edition 21:54

12 weeks ago21:54

21:54

Welcome to Ask the Experts, where each week we talk to people in the industry to get the inside word on what’s happening right now, and what that means for the tactics that you should use to make the most of your money. This week I’ve partnered up with Xero, who has kindly lent us their expert Bridget Snelling, Country Manager NZ and we’re talking about how to stop any extra money leaking out of your small business or side hustle, and especially what magic an accountant can and can’t work, in order to help you with that. If you want to bag a bargain, Making Cents listeners can get a whopper of a discount on Xero! Go to this link xero.com/francescook to help supercharge your small business. The information in this podcast is general information only and you should seek appropriate tax, financial and legal advice as may be appropriate for your personal or business needs. Links Follow Frances Cook on Facebook , Instagram and TikTok , or join the Money Memo newsletter for a free weekly money tip in your inbox each week. Hosted on Acast. See acast.com/privacy for more information.…

M

Making Cents

1
Quick Hit: The neurodivergent guide on how to run a small business 6:46

12 weeks ago6:46

6:46

A highlight clip from the December 9th episode, “The secret to making money doing what you love”, with Pepper Raccoon, artist and merch designer. Links Follow Frances Cook on Facebook , Instagram and TikTok , or join the Money Memo newsletter for a free weekly money tip in your inbox each week. Hosted on Acast. See acast.com/privacy for more information.…

M

Making Cents

1
From how I invest, to getting rid of the mortgage fast: A chaotic Ask Me Anything episode 48:03

12 weeks ago48:03

48:03

Frances Cook answers the questions that you sent in, in a solo episode covering the best investing strategies, revolving mortgages, and what's up with her weird accent? Questions in this episode: I want to know more about your accent! There is more than one in there, right? I love it, I’m just curious. Is sharesies ok for a short term savings account or too risky? EG $10k for a holiday in 6 months? What to do with a big windfall ($1 mill). Save, invest, or property? What’s your view on revolving credit? If buying in the next five years, what kiwisaver fund should I be using? Why can’t I include my house equity in my retirement savings maths? What should you use your emergency fund for – I find it hard to let go of! I have a job that pays terribly, ($30k pa) but I love it. Should I change to a higher paying job? What are your qualifications? How to increase savings long term? Why is it so much easier to dip into savings after you do it the first time? And how to stop! I have $18,000 in credit card debt, and $15,000 in shares, do I cash it in and pay off the credit card debt? Early 30s, mortgage free, what to do next? Invest? Where do we start? Are we better to open our toddler a bank account and put money in it, kiwisaver or a sharesies account? Best ethical investments? Copy trading? Too high risk? Is the extra cost of being a home owner worth it? Can you do a solar power podcast? How it works in your home to save money. Is investing in a financial adviser worth it? Good income, young family, I’m overwhelmed but aim to progress. What’s the best looking bank note? How do you feel about buying into shares for a company you work for? I would love to know your opinion on paying down your mortgage versus investing? What’s the best thing you’ve ever SPENT money on? Aka not investing or a house. Links Follow Frances Cook on Facebook , Instagram and TikTok , or join the Money Memo newsletter for a free weekly money tip in your inbox each week. Hosted on Acast. See acast.com/privacy for more information.…

M

Making Cents

1
How to master debt, and pay it off faster 22:49

13 weeks ago22:49

22:49

Welcome to Ask the Experts, where each week we talk to people in the industry to get the inside word on what’s happening right now, and what that means for the tactics that you should use to make the most of your money. This week we’ve partnered up with EnableMe, which has kindly leant us their expert Katie Wesney, a head strategic coach. We're talking debt and how to control it, so that it doesn't control you. Links Follow Frances Cook on Facebook , Instagram and TikTok , or join the Money Memo newsletter for a free weekly money tip in your inbox each week. Hosted on Acast. See acast.com/privacy for more information.…

M

Making Cents

1
Quick Hit: How to take control of your money behaviour 4:29

13 weeks ago4:29

4:29

A highlight clip from the November 4th episode, “The no BS strategy for budgeting, investment, and ditching debt”, with Glen James, author of The Quick-Start Guide to Investing and host of the Money Money Money podcast. Links Follow Frances Cook on Facebook , Instagram and TikTok , or join the Money Memo newsletter for a free weekly money tip in your inbox each week. Hosted on Acast. See acast.com/privacy for more information.…

M

Making Cents

1
Financially free at 30: How this dad quit the corporate world 1:05:13

13 weeks ago1:05:13

1:05:13

Nick Gentle, buyers agent, property coach, and a self-described “frugality geek”, shares how he managed to become financially independent by 30. Picture this: it’s 2.30 on a Wednesday afternoon, and you’re not in the office. Instead, you’re coaching your son’s latest sports team. This time it’s soccer, other days, it’s chess. This is the reality for one dad, who quit corporate life at just 30. How? A mix of living a very frugal life, and property investing. Here’s how he did it. Links Follow Frances Cook on Facebook , Instagram and TikTok , or join the Money Memo newsletter for a free weekly money tip in your inbox each week. Hosted on Acast. See acast.com/privacy for more information.…

M

Making Cents

1
Saving made simple: How to stay motivated for long-term goals 14:02

14 weeks ago14:02

14:02

Welcome to Ask the Experts, where each week we talk to people in the industry to get the inside word on what’s happening right now, and what that means for the tactics that you should use to make the most of your money. This week we’ve partnered up with KiwiBank, which has kindly leant us their expert Hayley Tito, senior product manager for everyday banking, and we’re talking savings, and how to actually want to do it. Links Follow Frances Cook on Facebook , Instagram and TikTok , or join the Money Memo newsletter for a free weekly money tip in your inbox each week. Hosted on Acast. See acast.com/privacy for more information.…

M

Making Cents

1
Quick Hit: How to create money goals you can stick to 9:02

14 weeks ago9:02

9:02

A highlight clip from the December 16th episode, “The hidden psychology that helps you build wealth”, with Dr Brad Klontz. Links Follow Frances Cook on Facebook , Instagram and TikTok , or join the Money Memo newsletter for a free weekly money tip in your inbox each week. Hosted on Acast. See acast.com/privacy for more information.…

M

Making Cents

1
How to ‘turbocharge’ your way to financial independence 49:32

14 weeks ago49:32

49:32

Shang Saavedra, now a work-optional financial coach, shares how she 'turbocharged' her finances in order to create time freedom. When it comes to building towards a good financial future, you’ll need some spare cash in order to hit your goals, whether that’s paying off debt, investing, or whatever else. In order to get there, there’s basically two options. You need to earn more, or spend less, in order to have the funds that let you do the interesting things. But what if you did a bit of both? Cutting back on spending at the same time as looking for opportunities to earn more, so you can truly turbocharge your finances towards your goals? One person who’s been there, done that, and achieved financial independence is Shang Saavedra, who used that method to become ‘work optional’, with a flexible, financially secure lifestyle that let’s her prioritise family. Links Follow Frances Cook on Facebook , Instagram and TikTok , or join the Money Memo newsletter for a free weekly money tip in your inbox each week. Hosted on Acast. See acast.com/privacy for more information.…

Similar to Making Cents

Bounty Paper Towels Quick Size, White, 16 Family Rolls = 40 Regular Rolls (Packaging May Vary)

Apple AirPods Pro 2 Wireless Earbuds, Active Noise Cancellation, Hearing Aid Feature, Bluetooth Headphones, Transparency, Personalized Spatial Audio, High-Fidelity Sound, H2 Chip, USB-C Charging

The Let Them Theory: A Life-Changing Tool That Millions of People Can't Stop Talking About

Podcasts Worth a Listen

Making Cents « » Quick Hit: Mortgage hacks that don't work