Making Cents

When Ecoya CEO Claire Barnes was 23, she lost $100,000 of her dad’s life insurance money on a failed business. The experience left her with a fear of failure so strong it followed her for nearly two decades, even as she rose to lead one of New Zealand’s most successful lifestyle brands.In this episode of Making Cents, Frances Cook talks to Claire about what it takes to rebuild after financial loss, how to turn failure into a learning curve, and why she now believes fear is proof you’re on the right path.Claire shares the hard-won lessons behind her career; from driving boxes of candles around the country, to running Ecoya, and now launching Bowie, an at-home microneedling and skincare startup she funded after selling her family home.This conversation covers:Overcoming the fear of failure in business and lifeRebuilding confidence after losing moneyInvesting in yourself and starting againEntrepreneurship and leadership in New ZealandTurning anxiety into action and using fear as motivationEven after a $100k setback, you can still build back stronger.LinksFollow Frances Cook on Facebook, Instagram and TikTok, or join the Money Memo newsletter for a free weekly money tip in your inbox each week.This podcast was filmed and produced by FanaticalsVideo editing & content production by Lana Byrne Audio engineering by Tash Chittock

If you're looking to earn more money on the side, here's the guide to doing it more successfully.Frances Cook joins the TVNZ Breakfast team to explain how to find a good side hustle, and do it without tanking your finances.LinksFollow Frances Cook on Facebook, Instagram and TikTok. Join the Money Memo newsletter for a free weekly money tip in your inbox each week, or become a confident sharemarket investor by joining the Market Memo newsletter.

On paper, today’s listener has it made. Two multimillion-dollar homes, no mortgage, and investments on the side.But with private-school fees, high living costs, and no full-time second income, the numbers don’t add up.Their savings are shrinking fast, and the stress is rising even faster.In this week’s Ask the Experts, Frances Cook and EnableMe’s head strategic coach Katie Wesney unpack what really causes wealth to feel fragile, even when you’re technically “doing well.”They dig into why cash flow, not just net worth, determines your financial stability, and how to fix a lifestyle that’s quietly burning through your safety net.From whether to sell shares or take out a mortgage again, to tough calls around private school fees and property priorities, this episode gets real about trade-offs, structure, and sustainability.If you’ve ever wondered how people with big assets still end up broke on paper, or you’re feeling the pinch of a high-cost lifestyle yourself, this one’s essential listening.If you have a letter you’d like us to answer, please send it through to [email protected] and you might feature on our next episode!LinksFollow Frances Cook on Facebook, Instagram and TikTok, or join the Money Memo newsletter for a free weekly money tip in your inbox each week.This podcast was filmed and produced by FanaticalsVideo editing & content production by Lana Byrne Audio engineering by Tash Chittock

You sent in a flood of money questions, and I’m ready to answer them all.In this Ask Me Anything episode, I’m going unfiltered to talk through the money decisions you’re most curious about, including:What my actual investment portfolio looks like (and why lazy wins)How to set up your bank accounts to kill money stressWhether to pay off debt, boost KiwiSaver, or start investing firstWhen to sell your shares, and when to hold your nerveHow to rebuild financially after hitting resetPlus, the truth about credit card rewards, lifestyle creep, and my own financial freedom numberPerfect for anyone juggling mortgages, investments, or just trying to make smarter everyday money moves.LinksFollow Frances Cook on Facebook, Instagram and TikTok, or join the Money Memo newsletter for a free weekly money tip in your inbox each week.This podcast was filmed and produced by FanaticalsVideo editing & content production by Lana Byrne Audio engineering by Tash Chittock

If you feel like you’re doing it tough, you’re far from alone. The New Zealand economy has been struggling, and regular New Zealanders are feeling the pinch. Business confidence is down, unemployment is up, and core cost-of-living measures such as food prices don’t look good. Interest rates are now falling, but house prices are staying flat. So is there hope for an economic comeback, or is there the possibility of a deeper crash? Time to bring in the experts, with Simplicity chief economist Shamubeel Eaqub, Interest.co.nz economics and politics reporter Dan Brunskill, and ANZ senior economist Miles Workman. They’re ready to break down what’s actually going on, and what you need to know to protect your money, and ride out the storm. We’ll debate: The Reserve Bank’s surprise OCR cut, and whether more is coming Whether NZ’s housing market is bouncing back or still heading down. The truth about job security and the real state of the labour market. The smartest money moves right now, for mortgages, savings, and KiwiSaver.

How much should you actually have in savings to feel safe? In this week’s Ask the Experts, it’s a listener letter from someone worried about layoffs and wondering whether they’ve saved enough - or maybe even too much. Heartland Bank’s Will White joins the show to unpack what a real emergency fund looks like in 2025. How many months of expenses should you really have tucked away? What happens if you over-save and leave too much cash sitting idle instead of investing it? And where’s the best place to keep your buffer; a high-interest account, term deposit, or offset mortgage? If you’ve ever paused your investing to “build up the savings” or felt unsure what enough really means, this episode will give you a clear, practical framework to find your financial safety zone. If you have a letter you’d like us to answer, please send it through to [email protected] 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 #makingcents #francescook #EmergencyFund #SavingsBuffer #JobSecurity #BudgetingTips #NZFinance #HighInterestSavings #TermDeposits #OffsetMortgage #RevolvingCredit #CreditCardDebt #Compounding #HeartlandBank This podcast was filmed & produced by Fanaticals Video editing & content production by Lana Byrne Audio engineering by Tash Chittock Chapters 00:00 - Introduction 01:01 - Can you save too much? 01:46 - How big should your buffer be? 03:55 - Budget reality: find the fat 05:08 - Debt vs saving—what first? 07:21 - Next steps 11:24 - Offset & revolving: pros & pitfalls 16:43 - Outro

What if financial freedom didn’t take a lifetime, but just 11 years?Ruth Henderson,also known as The Happy Saver, proves it’s possible.She’s never been on a huge salary, didn’t get an inheritance, and never flipped property.Instead, through smart saving, simple investing into the sharemarket, and relentless consistency, they built enough wealth to become work-optional in just over a decade.And Ruth’s ready to share exactly how they did it.In this episode, we cover:How to reach financial independence in New Zealand (without earning six figures)The power of tracking net worth and using KiwiSaver wiselyHow index funds and compounding growth create true passive incomeWhy “work optional” freedom is more achievable than most Kiwis thinkIf you’ve ever wondered how ordinary New Zealanders can retire early (or just get financially free, faster) this episode is your blueprint.LinksFollow Frances Cook on Facebook, Instagram and TikTok, or join the Money Memo newsletter for a free weekly money tip in your inbox each week.This podcast was filmed and produced by FanaticalsVideo editing & content production by Lana Byrne Audio engineering by Tash Chittock

Your bank balance might be looking rough, but don’t panic.Frances Cook joins the TVNZ Breakfast team to explain why it’s normal for your money to ebb and flow, why “perfect balance” is a myth, and how to stay on track through the messy seasons of life and money.LinksFollow Frances Cook on Facebook, Instagram and TikTok. Join the Money Memo newsletter for a free weekly money tip in your inbox each week, or become a confident sharemarket investor by joining the Market Memo newsletter.

New Zealand is in the middle of a $1 trillion inheritance wave, and most families are walking into it completely unprepared.As Baby Boomers move into their 70s and 80s, we’re experiencing the biggest intergenerational wealth transfer in the country’s history. But the money isn’t the problem, it’s the silence.In this episode of Making Cents, financial journalist Frances Cook is joined by Katie Wesney from EnableMe to break down the inheritance conversations Kiwis aren’t having, and the painful consequences when families avoid them.The truth is that most New Zealand families have no plan for what happens when assets are passed on.Whether the estate is large or small, failing to talk about money, wills, and expectations can lead to legal mess, financial loss, and long-term family rifts.We explore:Why inheritance is about more than money, it’s about love, fairness, and recognitionThe real-world emotional and financial fallout of poor estate planningWhy avoiding the hard conversations now can destroy relationships laterWhere families should start when they realise it’s time to talkIf you want to protect your family and your finances, this episode is your must-listen guide to having the inheritance conversation before it’s too late.LinksFollow Frances Cook on Facebook, Instagram and TikTok, or join the Money Memo newsletter for a free weekly money tip in your inbox each week.This podcast was filmed and produced by FanaticalsVideo editing & content production by Lana Byrne Audio engineering by Tash Chittock

What if the 9-5 is over?The idea of a steady job and one career path for life is becoming rarer, and maybe even unrealistic.In this episode of Making Cents, Frances Cook talks to Hannah Koumakis about what it actually looks like when you build a career across acting, business, content, and community, all at once.What happens when you abandon the “one job for life” model, and instead create opportunities in the new world of work, where you often need multiple streams of income to get ahead, and where your financial systems need to be even sharper to hold it all together?In this episode we talk about:How to build multiple income streams without chaosThe financial systems that make it all workWhy emotional resilience matters as much as budgetingThe tough times, and why she nearly gave it all upWhat the future of work really looks like for your bank accountLinksFollow Frances Cook on Facebook, Instagram and TikTok, or join the Money Memo newsletter for a free weekly money tip in your inbox each week.This podcast was filmed and produced by FanaticalsVideo editing & content production by Lana Byrne Audio engineering by Tash Chittock

The Reserve Bank has slashed the Official Cash Rate, so what does that mean for how bad the economy is, and what is coming next?Frances Cook talks to the TVNZ Breakfast team about what you need to know for your mortgage, your job, and the overall economy.LinksFollow Frances Cook on Facebook, Instagram and TikTok. Join the Money Memo newsletter for a free weekly money tip in your inbox each week, or become a confident sharemarket investor by joining the Market Memo newsletter.

A listener letter asks if you can really find an undervalued suburb, or is it all luck?Host Frances Cook is joined by Vanessa Williams from http://realestate.co.nz to unpack whether you can actually spot an up-and-coming suburb before it booms.Sure, one clever buy could mean your net worth booms, but how do you play that game to win?This episode digs into:How to use real estate data to compare suburbs and spot growth trendsWhat infrastructure, transport links, and buyer demand reveal about the next boom suburbWhy some “bargains” stay cheap, and how to tell the difference with ones that are about to soar in priceSmart, practical tips for first-home buyers chasing value in New Zealand’s housing marketIf you’ve ever wondered how to find the best suburb to buy your first home, or whether “undervalued areas” really exist anymore, this episode has your answers.Send in your own questions, by emailing [email protected] Frances Cook on Facebook, Instagram and TikTok, or join the Money Memo newsletter for a free weekly money tip in your inbox each week.This podcast was filmed and produced by FanaticalsVideo editing & content production by Lana Byrne Audio engineering by Tash Chittock

We all like to think we’re making smart money decisions… but half the time it’s actually our unconscious brain calling the shots.The result? Accidental self-sabotage, money guilt, and financial myths that keep us stuck.In this episode of Making Cents, Frances Cook is joined by financial coach and commentator Amanda Morrall to bust the biggest money myths holding people back, and show how to break free.We dig into:Why money is 90% mindset and only 10% mechanicsHow consumerism tricks us into “filling a void” instead of fixing problemsThe common belief of “I’m just not a money person”, and why it’s falseSimple mindset shifts that unlock real financial progressHow to align your money with your values (without the guilt)If you’ve ever felt like you’re bad with money, this episode will help you spot the hidden stories running the show, and make small, lasting changes that actually move you forward.Hit play to learn how to stop sabotaging your finances, ditch the myths, and start building the money life you actually want.LinksFollow Frances Cook on Facebook, Instagram and TikTok, or join the Money Memo newsletter for a free weekly money tip in your inbox each week.This podcast was filmed and produced by FanaticalsVideo editing & content production by Lana Byrne Audio engineering by Tash Chittock

"Financial flashpoints" are the moments that can take over you subconscious, and quietly derail the best of money plans. They can push smart people, to make some bad choices. Frances Cook talks to the TVNZ Breakfast team about how to spot them, and stop them taking over. LinksFollow Frances Cook on Facebook, Instagram and TikTok, or join the Money Memo newsletter for a free weekly money tip in your inbox each week.

Old vs new: Which property strategy builds more wealth?When you're deciding whether to buy a house or build one, you're not just choosing a home, you're making one of the biggest financial decisions of your life.In this Ask the Experts episode of Making Cents, financial journalist Frances Cook is joined by Kirsty Healey from EnableMe to unpack the pros and cons of buying an existing home vs building new. And importantly, which option could help you build more long-term wealth.Whether you're a first-home buyer or property investor, the choice between old and new has serious financial implications. New builds often come with lower maintenance costs, better mortgage deals, and the potential for higher-quality construction. But they also carry risks like construction delays, budget blowouts, and developer red tape.On the flip side, buying an existing home is faster and feels more straightforward. But it can come with hidden costs, future-proofing challenges, and unexpected renovation bills.In this episode, we cover:How new builds can affect your mortgage rate and deposit requirementsThe most common building pitfalls, including budget and council issuesWhy existing homes aren't always the “safe” choiceWhich option could offer better long-term value growthHow to decide based on your personal timeline, risk tolerance, and financial goalsIf you're stuck between buying or building, this episode will help you weigh the real costs, risks, and rewards.LinksFollow Frances Cook on Facebook, Instagram and TikTok, or join the Money Memo newsletter for a free weekly money tip in your inbox each week.

What really happens when you burn everything down and start over in your late 30s?In this episode of Making Cents, Frances Cook shares the raw reality of leaving a high-profile media job, building a business from scratch, and creating financial freedom on her own terms.This episode dives into the money lessons, business mistakes, and mindset shifts that come with starting over later in life.From learning how to begin imperfectly, to setting boundaries, to turning financial security into life freedom, it’s a behind-the-scenes look at what it takes to survive a major life reset.If you’ve ever thought about walking away from stability, changing your career, or creating something of your own, his will give you a real look at the struggles, the lessons, and the unexpected wins that come from starting again.LinksFollow Frances Cook on Facebook, Instagram and TikTok, or join the Money Memo newsletter for a free weekly money tip in your inbox each week.

Buying a house in New Zealand? Don’t get caught out by hidden costs.In this episode of Ask the Experts, we reveal the true cost of buying a home, beyond the sale price.From legal fees to building inspections or surprise repair bills, these are the extra expenses that can seriously derail your property plans if you’re not prepared.We break down the most common hidden costs that first home buyers overlook, how much they typically add up to, and smart ways to avoid nasty financial surprises.Whether you're buying your first home or upgrading to your next one, this is essential listening to help you protect your deposit, manage your budget, and avoid costly mistakes.Tune in for a chat between Frances Cook and Vanessa Williams from realestate.co.nz, on:Legal fees and how to reduce themWhat building inspections actually costWhether you need to test for meth or asbestosRed flags in older homes that could cost you thousandsHow much extra cash to have on hand before going unconditionalBuying property is stressful enough, so don’t let hidden costs make it worse. Listen now so you can go into your next home purchase fully informed and confident.LinksFollow Frances Cook on Facebook, Instagram and TikTok, or join the Money Memo newsletter for a free weekly money tip in your inbox each week.

Think shares are too risky or too complicated? Think again. In this live webinar, Frances Cook is joined by Ruth Henderson from The Happy Saver, independent financial journalist and founder of The Bottom Line, Paul McBeth, and Dean Anderson, founder of investing platform Kernel. Together they’re going to break down how investing really works, without the jargon, hype, or Wall Street bros. You’ll learn: - Why the sharemarket isn’t gambling, but ownership in real businesses - How and why prices actually move - The difference between saving and investing, and why that gap matters - Why you don’t need thousands of dollars to get started, $5 is enough - How index funds make investing simple, diversified, and effective - The biggest mistakes beginners make (and how to avoid them) If you’ve ever wanted to invest but felt intimidated, this is the easiest way to understand the basics and build confidence. By the end, you’ll know how to take the first step toward growing wealth, on your terms.

Most of us don’t just make money mistakes, we repeat them.Why? Because our money beliefs and money psychology are quietly running the show.In this episode of Making Cents, financial journalist Frances Cook dives into how financial self-sabotage happens, with guest Nick Alcock, a tax debt coach and chartered accountant who uses financial therapy techniques.From compulsive buying and gambling, to financial enabling, money avoidance, and even being too scared to ask for a pay rise, it’s all on the table.Nick explains how childhood money stories, financial flashpoints, and subconscious money beliefs shape the way we spend, save, and manage debt.He shares real client examples of people earning six figures but still trapped in tax debt, the common red flags like financial infidelity or compulsive shopping, and why shifting from a scarcity mindset to an abundance mindset can change everything.Whether you’re struggling with overspending, stuck in fear of negotiating your salary, or trying to understand why you keep sabotaging your financial goals, this conversation will help you spot the patterns, and start building healthier money habits.LinksFollow Frances Cook on Facebook, Instagram and TikTok, or join the Money Memo newsletter for a free weekly money tip in your inbox each week.

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.If you’re thinking about property investment, there’s one word that always comes up - leverage.It’s the strategy of using your home’s value to invest into something else, usually more property.When it works, it can supercharge your wealth.When it doesn’t? You’re putting your family home on the line.In this episode, we unpack how to use leverage the smart way, with financial strategist Katie Wesney from enableMe.We cover when it’s worth considering, the emotional and financial resilience you need, and how to avoid rookie mistakes that can cost you big.Whether you're already in the property game or just thinking about it, this one could save you serious money, and a lot of stress.LinksFollow Frances Cook on Facebook, Instagram and TikTok, or join the Money Memo newsletter for a free weekly money tip in your inbox each week.

It’s a fantasy many of us share: what if you could retire early, walk away from your job forever, and live life on your own terms by the age of 30?Would it be all freedom and fun… or would the reality look very different?In this episode of Making Cents, I talk to Captain Fi, one of Australia’s most well-known FIRE (Financial Independence, Retire Early) bloggers. He shares what it really takes to achieve financial independence at such a young age, and whether he would actually recommend it to others.Captain Fi started out as a pilot, a career that cost him over $300,000 in training. Determined to buy back his freedom, he focused on three strategies that define the FIRE movement:Earn as much as possible through a high-paying job and multiple side hustlesSpend as little as possible by keeping living costs low and avoiding lifestyle creepInvest everything left over into shares and growth assets to build wealth quicklyBy living on less than $40,000 a year, while sometimes saving up to 90% of his income, he was able to quit work in his early 30s.Today, Captain Fi lives on a hobby farm in Queensland with his wife and young daughter, raising bees, planting gardens, and building the family-focused life he always wanted. But his journey also included burnout, grief, and a surprising twist: after a short period of “retired life,” he realised it wasn’t fulfilling enough and pivoted into something new.In this conversation, we cover:How he built financial independence by 30The reality of early retirement versus the daydreamWhy he “un-FIRE’d” and bought a farmThe hidden challenges of extreme savings and burnoutHis advice for anyone chasing financial freedom todayIf you’ve ever wondered what early retirement really looks like, or how to use the FIRE movement to reshape your own career and lifestyle, this episode has the insights from someone who has lived it.LinksFollow Frances Cook on Facebook, Instagram and TikTok, or join the Money Memo newsletter for a free weekly money tip in your inbox each week.

Fast Money with Jim Mora on Sunday Morning with RNZ. Chatting everything from cost-of-living savings, how to pay off debt faster, how to get a pay rise or what to do next if a pay rise is turned down, and what's happening with the property market at the moment.LinksFollow Frances Cook on Facebook, Instagram and TikTok, or join the Money Memo newsletter for a free weekly money tip in your inbox each week.

Side hustles can boost your money life, but only if you avoid the mistakes that tank most people early on.In this episode of Making Cents: Ask the Experts, we’re breaking down the most common side hustle mistakes, and how to avoid them.From financial pitfalls to admin overload, we’re giving you real, practical advice to help you start a side hustle that actually works.I’m joined by Joanna Greaves, General Manager of Business Banking at Kiwibank, who’s seen thousands of small businesses and side hustles come through the system.She shares what works, what fails, and the one thing most people forget to do when turning a small idea into a successful income stream.We cover:• How to start a side hustle the smart way• Financial tips for side hustlers (before you even make your first dollar)• When to move from personal to business accounts• The hidden risks that catch beginners out• The one step that separates sustainable hustles from burnout trapsIf you want to start a business on the side, build up financial freedom, or just make a little extra income, this episode gives you the roadmap, minus the guru hype.LinksFollow Frances Cook on Facebook, Instagram and TikTok, or join the Money Memo newsletter for a free weekly money tip in your inbox each week.

Finding a financial adviser in New Zealand can feel both overwhelming, and risky.With so many options, how do you know who to trust with your money, your KiwiSaver, your mortgage, or your retirement plan?In this episode of Making Cents, Frances Cook breaks down exactly how to find a financial adviser in NZ that you can actually rely on. We cover when you really need an adviser, what they can (and can’t) do for you, how they get paid (fees vs commissions), and the red flags that should send you running.Whether you’re buying your first home, setting up life insurance, planning for retirement, or investing a lump sum, this guide will show you how to:Check if an adviser is licensed and registered in New ZealandUnderstand their specialtiesAsk the right vetting questions before you sign anythingSpot common conflicts of interest and sales tacticsKnow the difference between real advice and a product pitchYour financial adviser should be a co-pilot, not the pilot. This episode will help you feel confident, avoid getting burned, and choose someone who puts your interests first.LinksFollow Frances Cook on Facebook, Instagram and TikTok, or join the Money Memo newsletter for a free weekly money tip in your inbox each week.

Whether you're hitting the supermarket, or paying your regular bills, here are some quick ways to tackle the cost of living in your daily life. Frances Cook talks to the TVNZ Breakfast team about the ways to fight the price rises. LinksFollow Frances Cook on Facebook, Instagram and TikTok, or join the Money Memo newsletter for a free weekly money tip in your inbox each week.

Are you accidentally sabotaging your KiwiSaver?KiwiSaver is one of the most powerful tools New Zealanders have for growing wealth, but if you’re on autopilot, you could be losing tens of thousands of dollars without realising it.In this episode of Ask the Experts, we reveal the common KiwiSaver mistakes that are quietly shrinking your nest egg, and the easy fixes that could supercharge your long-term savings.Whether you're using KiwiSaver for retirement, your first home deposit, or both, it’s time to stop treating it like a passive savings account.Frances Cook is joined by Kristin Sutherland from EnableMe to break down:The risks of “set and forget” with KiwiSaverHow to rebuild your account after using it for a first home depositWhy your KiwiSaver fund type (growth vs conservative) matters more than you thinkHow often you should review your KiwiSaver settingsThe first step to take if you've ignored your KiwiSaver until nowIt only takes a few small tweaks to get your KiwiSaver working harder, and fixing it might take less time than listening to this episode.Listen now to protect your future wealth, and make sure every dollar is doing the most for you.LinksFollow Frances Cook on Facebook, Instagram and TikTok, or join the Money Memo newsletter for a free weekly money tip in your inbox each week.

Everyone wants a bit of extra cash, but are side hustles actually worth your time, or just another way to burn out?From driving for Uber to picking up dog poop, side hustles in New Zealand range from the weird to the wonderful. Some can bring in fast money to help with the cost of living crisis, while others might grow into a full-time business or a path to financial freedom.In this episode of Making Cents, financial journalist Frances Cook explores which side hustle ideas are worth it in 2025, and which ones are a waste of your time and money. Done right, a side hustle can boost your income, help you start investing, or give you the chance to test a new business idea. Done wrong, it can leave you exhausted with nothing to show for it.We dig into the myths, the money traps, and the side hustles that really do work. From tutoring, to service-based gigs like cleaning and gardening, through to the online hustle trends that promise passive income but rarely deliver.If you’ve ever wondered how to make money online, what the best side hustles in New Zealand actually are, or how to bring in extra income without burning out, this episode gives you the strategies to get the cash without the crash.LinksFollow Frances Cook on Facebook, Instagram and TikTok, or join the Money Memo newsletter for a free weekly money tip in your inbox each week.

Small fixes for a big win: it’s time for renovations that actually add valueNot all renovations are created equal. Some upgrades could cost you thousands without adding a cent to your resale value.In this Ask the Experts episode of Making Cents, financial journalist Frances Cook is joined by Vanessa Williams from realestate.co.nz to reveal which home improvements genuinely increase property value, and which ones are a total waste of money.Whether you’re preparing to sell or just want to be smart about where you invest in your home, understanding the return on renovation is crucial.A $50,000 kitchen revamp might look stunning, but will buyers actually pay for it?We cover:Kitchen and bathroom renovations: high impact or high risk?The low-cost power of painting, decluttering, and deep cleaningPools: luxury feature or long-term liability?Do outdoor upgrades like decks and landscaping pay off?Simple layout changes that boost value more than cosmetic tweaksBest renovations for a $5K–$10K budgetIf you want to increase your home’s value without overcapitalising, this episode is your essential guide to renovation decisions that make a real difference.LinksFollow Frances Cook on Facebook, Instagram and TikTok, or join the Money Memo newsletter for a free weekly money tip in your inbox each week.

Why does life still feel so expensive?In this webinar, we break down what’s really driving the cost of living in New Zealand, and why your grocery bill, rent, and power costs keep climbing while tech and travel seem cheaper.You’ll learn: - The hidden forces pushing up the price of essentials - Smart ways to save on food and bills without giving up life’s small joys - Budgeting strategies that actually work in today’s economy (no “just skip coffee” advice here) - How to take back control, even when the headlines say you shouldn’t be strugglingWhether you’re renting, paying a mortgage, or just trying to stretch your pay further, this is your chance to get practical, realistic tips to help your money go further, without guilt or judgment.LinksFollow Frances Cook on Facebook, Instagram and TikTok, or join the Money Memo newsletter for a free weekly money tip in your inbox each week.

Feeling guilty every time you spend money? You’re not alone, but it might be doing more harm than good.In this episode of Making Cents, we’re diving into why money guilt is one of the biggest mindset traps stopping people from saving, investing, or sticking to a budget.I’ll break down the psychology behind guilt and spending, and show you how to shift your habits without giving up the things that make life fun.We’ll talk:• Why guilt-based budgeting usually backfires• How to enjoy your money while staying on track with financial goals• The science-backed way to build better money habits (without relying on willpower)• What behavioural economists like Richard Thaler and psychologists like Brad Klontz say about shame and self-sabotage• How to set up systems that make saving, spending, and financial planning easier• Why small wins and values-based spending matter more than you thinkWhether you’re dealing with debt, trying to grow your savings, or just want to stop feeling anxious every time you tap your card, this episode is your guide to dropping the shame and taking control.Because being good with money shouldn’t mean punishing yourself.

A quick hit highlight clip from the April 2025 episode "Housing, KiwiSaver, and debt: Solving NZ’s biggest money issues with the Retirement Commissioner", with Jane Wrightson.Making Cents is supported by Kiwibank.LinksFollow Frances Cook on Facebook, Instagram and TikTok, or join the Money Memo newsletter for a free weekly money tip in your inbox each week.

Ever felt like your financial goals are just too far away?Whether you're dreaming of financial independence, planning for early retirement, or just trying to build up a decent savings buffer, staying motivated over the long haul can be tough.In this Ask the Experts episode of Making Cents, we're talking about how to stay on track with your biggest financial goals, even when progress feels slow.Financial adviser Lisa Butler from EnableMe shares practical money mindset strategies, goal-setting techniques, and real-life examples of clients who turned things around, one small step at a time.We break down how to:Set achievable money goals without getting overwhelmedStay motivated while saving for retirement or financial freedomUse mindset shifts to avoid burnout and build momentumCreate financial milestones and celebrate wins along the wayMake smart, strategic progress toward long-term goalsBuild consistency into your budgeting and investing habitsIf you're working toward long-term wealth, debt freedom, retirement planning, or simply want to get better at sticking to your financial plan, this is the episode for you.LinksFollow Frances Cook on Facebook, Instagram and TikTok, or join the Money Memo newsletter for a free weekly money tip in your inbox each week.

What if the worst happened, but you were financially ready?When Caroline Gordon was diagnosed with stage four bowel cancer, everything changed. But because she’d already built financial independence, she had something many people in crisis don’t: options.In this episode of Making Cents, we dive into how financial freedom became Caroline’s safety net. She shares how it allowed her to:- Self-fund private cancer treatment not available in the public system- Travel overseas for surgery when time was critical- Step away from a stressful job to focus on recovery- Maintain her quality of life without financial panicWhether you’re working towards FIRE (Financial Independence, Retire Early), building your first emergency fund, or just trying to create more security, this episode shows what financial freedom really means.Caroline shares her investing strategy (including index funds and ethical investing), and what she wishes more people understood about money, health, and freedom.It’s not about the money.It’s about what the money makes possible, especially when life gets messy.Making Cents is supported by our friends at Kiwibank.LinksFollow Frances Cook on Facebook, Instagram and TikTok, or join the Money Memo newsletter for a free weekly money tip in your inbox each week.

Will your mortgage rate go down soon, or will banks keep them higher for longer?In this episode of Making Cents, financial journalist Frances Cook joins RNZ’s Nights on 14 August, to break down everything you need to know about New Zealand interest rates right now.We cover:How the Official Cash Rate (OCR) works and what it means for home loansThe link between what savers get in their term deposit, and what borrowers are charged for their mortgageWhether banks are competing hard enough for customersWhy banks cut or raise interest rates at different timesWhether you’re a homeowner, first-home buyer, or looking to grow your savings, this episode explains how bank decisions, Reserve Bank policy, and market competition all affect your wallet.Making Cents is supported by our friends at Kiwibank.LinksFollow Frances Cook on Facebook, Instagram and TikTok, or join the Money Memo newsletter for a free weekly money tip in your inbox each week.

Why we choose Lotto over investing, even when it’s irrational, and how to flip the script so investing feels just as exciting.A replay of a conversation with Wallace Chapman on RNZ's The Panel, from 11 August.Making Cents is supported by our friends at Kiwibank.LinksFollow Frances Cook on Facebook, Instagram and TikTok, or join the Money Memo newsletter for a free weekly money tip in your inbox each week.

Are you enjoying the freedom of self-employment - or just underpaid, overworked, and financially stressed?Running your own business can give you freedom, flexibility, and the chance to build something that truly works for you.But without the right systems in place, it’s also easy to end up burnt out, broke, and completely unprepared for the future.In this Ask the Experts episode of Making Cents, financial journalist Frances Cook is joined by Justin Gauci from EnableMe to unpack the money traps that trip up self-employed Kiwis.Then? It’s how to fix them.We cover the essential questions every freelancer, contractor, sole trader or small business owner needs to ask:Are you charging your true market value, or just making yourself a job that doesn’t pay properly?How should you really think about GST and tax deductions (hint: they don’t make things free)?What’s the smartest way to save for retirement when you don’t get KiwiSaver employer contributions?How can you smooth out cashflow, and prepare for big tax bills without panic?This episode is full of practical financial advice for self-employed people who want to earn well, save smart, and run their business like a grown-up, without sacrificing their lifestyle or security.Whether you’re just starting out or several years into your self-employed journey, this is your roadmap for building a solid financial foundation.LinksFollow Frances Cook on Facebook, Instagram and TikTok, or join the Money Memo newsletter for a free weekly money tip in your inbox each week.

She hit financial freedom at 51, by downsizing to a caravan and selling the family trade business.It wasn’t a tech salary. It wasn’t an inheritance. It was good old-fashioned DIY thinking, property investment, and a whole lot of planning.In this episode of Making Cents, you’ll meet Charmaine Hands, who “re-lifed” in her 50s and built a whole new life of travel, flexibility, and financial independence.She ran a glazing and locksmithing business with her husband for over two decades, raising their family and carefully reinvesting in assets along the way.Then, with the kids grown and the business ready to hand over, she took the leap.Sold the business to a staff member. Turned their home into a rental. Bought commercial property for passive income. Moved into a caravan to travel New Zealand. Started living the life they’d always imagined. No million-dollar pay cheque. Just smart money moves, DIY upgrades, and a relentless vision for something better.We talk about:- What it really takes to build financial freedom without a big income- How to turn your home or business into long-term wealth- The pros and cons of living in a caravan full-time- Why imagination and stubbornness might be your best financial toolsIf you're dreaming of more freedom, flexibility, and meaning in your next chapter, this episode is for you.Making Cents is supported by our friends at Kiwibank.LinksFollow Frances Cook on Facebook, Instagram and TikTok, or join the Money Memo newsletter for a free weekly money tip in your inbox each week.

The 1news Breakfast team have questions about how we can beat the guilt, and create systems to help us feel better about our money. A replay of the TVNZ segment from 5 August.Making Cents is supported by our friends at Kiwibank.LinksFollow Frances Cook on Facebook, Instagram and TikTok, or join the Money Memo newsletter for a free weekly money tip in your inbox each week.

Are house prices about to drop more, or is this the bottom of the market?In this episode of Ask the Experts, we dig into what’s really going on with New Zealand’s housing market in 2025.Whether you’re a first home buyer, property investor, or current homeowner, understanding the true drivers behind NZ house prices is essential to making smart money choices.House prices are flat or falling across much of the country. So what’s holding the market back, and what could trigger the next move?Join Kiwibank economist Sabrina Delgado and host Frances Cook for a deep dive into:Why New Zealand house prices have stalledThe impact of interest rates and the Reserve Bank’s OCR decisionsWhat’s happening in the construction industry and how it affects housing supplyCommon myths about the NZ housing marketWhat to expect for property prices over the next yearThe key factor buyers and sellers need to watch right nowIf you’re wondering whether to buy now, sell soon, or wait it out, this is the expert insight you need to make confident property decisions in 2025.Making Cents is supported by our friends at Kiwibank.LinksFollow Frances Cook on Facebook, Instagram and TikTok, or join the Money Memo newsletter for a free weekly money tip in your inbox each week.

You don’t need a million dollars to reach financial freedom.In this episode of Making Cents, we’re breaking down how Germano Gomes built lifestyle freedom on an average income. No lottery win. No six-figure job. Just smart money moves.He paid off his mortgage in five years, lived simply, and built up enough FU money to say no to the traditional 9–5. All while still enjoying the things that matter most.Now? He works part of the year, travels the world, and funds it with casual jobs on his terms.This approach is sometimes called Barista FIRE. It’s a version of early retirement where you save and invest just enough to cover the basics, and use flexible work to fund the fun.It means more freedom, sooner.We talk:- How he hit financial independence without a high income- The exact strategy he used to pay off his house fast- Why he walked away from property investing- How much he actually spends now- And the mindset shift that made it all possible“Enough is not a number — it’s a decision.”Hit play to find out how he made his.Making Cents is supported by our friends at Kiwibank.LinksFollow Frances Cook on Facebook, Instagram and TikTok, or join the Money Memo newsletter for a free weekly money tip in your inbox each week.

There’s a wave of major money changes rolling through New Zealand, hitting everything from where you keep your savings, to what’s in your KiwiSaver, to the price of your weekly groceries.In this live Making Cents episode, Frances Cook is joined by Consumer NZ CEO Jon Duffy to break down what actually matters, and what you should do next.We cover:- The new bank protection rules, under the Depositor Compensation Scheme. What the $100,000 guarantee really means, and how to make sure you’re covered- KiwiSaver contribution cuts. What’s changed, who loses out, and whether it’s still worth it- Grocery price wars. Are the watchdogs finally growing teeth, or are we stuck with sky-high bills?- The surcharge ban, and will that mean lower fees for you, or just higher prices everywhere else?Whether you’re saving for a house, trying to retire, or just want to stop bleeding money at the checkout, this episode gives you the clear, practical info you need, so that you can stay savvy with your money.Smart questions, straight answers, with one of New Zealand’s top consumer advocates.Making Cents is supported by our friends at Kiwibank.LinksFollow Frances Cook on Facebook, Instagram and TikTok, or join the Money Memo newsletter for a free weekly money tip in your inbox each week.

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.Buyers vs Sellers: What’s really happening in NZ’s housing market right now?In this episode of Ask the Experts, we dive into the growing standoff between buyers and sellers in New Zealand’s property market.House prices are falling across much of the country, but many sellers are refusing to budge, holding out for a rebound that may not arrive anytime soon.While some homeowners can afford to wait, others are facing real pressure to sell in a soft market.So what happens when seller expectations clash with property market reality? And is this a golden opportunity for buyers to make a move?Frances Cook is joined by Vanessa Williams from realestate.co.nz to unpack:What’s happening with New Zealand house prices in 2025Why sellers are holding out, and what might force them to actHow long most people can afford to wait before sellingHow often Kiwis actually sell their homes (and how that changes in a downturn)The smartest strategies for both buyers and sellers in the current marketIf you’re trying to decide whether to buy or sell in 2025, this episode will give you the insight you need to make confident property decisions.LinksFollow Frances Cook on Facebook, Instagram and TikTok, or join the Money Memo newsletter for a free weekly money tip in your inbox each week.

What if being polite was secretly draining your bank account?Welcome to Making Cents, the podcast for people who want financial freedom without giving up their coffee.I’m Frances Cook, a financial journalist and fellow financial freedom seeker who makes money simple for you.In this episode of Making Cents, I'm breaking down how to negotiate better rates, reduce your cost of living, and stop overpaying on bills, with simple phrases that could save you $240,850.This is your guide to asking for more (without being a diva).You’ll learn:How to save money on everyday expensesWhat a 0.5% interest rate discount could really save youThe best phrases to use when negotiating with banks, power companies, or phone providersHow to build lifelong money-saving habitsWhy “being nice” doesn’t have to mean paying moreChange your mindset on this, and watch it change every area of your life. This is one of those episodes that could literally change your financial future.Making Cents is supported by our friends at Kiwibank.LinksFollow Frances Cook on Facebook, Instagram and TikTok, or join the Money Memo newsletter for a free weekly money tip in your inbox each week.

Hate paying for insurance? What if you didn’t have to?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.Insurance is one of those financial to-dos that’s easy to ignore, until it’s suddenly urgent.It can be confusing, expensive, and way too easy to shove to the bottom of your priorities list. But here’s the thing: New Zealanders are underinsured, with coverage rates well below the OECD average.So what’s actually worth paying for? What can you skip?And… is there a way to get someone else to pay for your insurance?In this episode, I’m joined by Willie Moala, national insurance lead at AdviceFirst, to break down the smart ways to cut insurance costs, the underrated workplace perks you might be missing, and the cover you’ll be grateful to have when life throws you a curveball.If you're looking to save money, protect your income, or just finally get insurance sorted, this episode is your guide.LinksFollow Frances Cook on Facebook, Instagram and TikTok, or join the Money Memo newsletter for a free weekly money tip in your inbox each week.

The 1news Breakfast team have questions about the good and bad of rentvesting. A replay of the segment from 22 July. Making Cents is supported by our friends at Kiwibank.LinksFollow Frances Cook on Facebook, Instagram and TikTok, or join the Money Memo newsletter for a free weekly money tip in your inbox each week.

What if renting your dream home and building long-term wealth weren’t opposites?Welcome to Making Cents, the podcast for people who want financial freedom without giving up their coffee.I’m Frances Cook, a financial journalist and fellow financial freedom seeker who makes money simple for you.Today we’re diving into “rentvesting”, the strategy where you rent in the lifestyle location you love, and invest in property somewhere more affordable to grow your wealth.It’s a smart workaround for high-price areas like Auckland or Queenstown, and a growing trend for first-home buyers and seasoned investors alike.This episode’s guest, Ilse Wolfe from Wolfe Property Coaching, shares why she left homeownership in one of New Zealand’s most expensive suburbs, and how rentvesting let her move her family to the beach without adding to their debt.We break down how to crunch the numbers, how to spot a good rental opportunity, and what rentvesting changes about school zones, security, and even your relationship with your landlord.Whether you're stuck in an expensive city or just want more freedom, this episode is packed with the real-life tips you need to make it work.Making Cents is supported by our friends at Kiwibank.LinksFollow Frances Cook on Facebook, Instagram and TikTok, or join the Money Memo newsletter for a free weekly money tip in your inbox each week.

Should kids get pocket money, and what’s the best way to teach them to use it?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.Pocket money seems simple, but it can actually be one of the most powerful tools to shape a child’s long-term relationship with money. So… should you pay kids for chores? Give it freely? Or skip it altogether?In this episode of Ask the Experts, Kiwibank’s Julia Jackson to explore the latest research on kids and money, including how to raise financially confident children in a world of tap-and-go spending.We unpack:The pros and cons of giving pocket moneyWhy some parents tie it to chores (and others avoid it completely)How to talk to kids about money without stressing them outCreative ways to make money feel tangible, even in a digital worldTools and apps that help kids safely experiment with spending and savingIf you want the next generation to avoid the financial mistakes you learned the hard way, this one’s essential listening.Hit play, and get ready for some 'aha' moments.LinksFollow Frances Cook on Facebook, Instagram and TikTok, or join the Money Memo newsletter for a free weekly money tip in your inbox each week.

Fast Money with Jim Mora on Sunday Morning with RNZ. Chatting everything from why your groceries are so expensive, how to save money on insurance, why house prices are down, and how to get the best mortgage rate.LinksFollow Frances Cook on Facebook, Instagram and TikTok, or join the Money Memo newsletter for a free weekly money tip in your inbox each week.

Welcome to Making Cents, the podcast for people who want financial freedom without giving up their coffee. I’m Frances Cook, an independent financial journalist and fellow financial freedom seeker who makes money simple for you.Bitcoin and other cryptocurrencies are no longer just for tech bros and Reddit threads. As crypto edges closer to the mainstream, new ways to invest are opening up, including through fully regulated, tax-efficient managed funds.In this episode, I’m joined by Anthony Edmonds, the investment manager behind New Zealand’s first regulated Bitcoin PIE fund.We break down why he created it, who it’s for, and how it lets everyday investors access Bitcoin without needing to mess around with exchanges, wallets, or tracking capital gains tax.We cover:- How regulated Bitcoin PIE funds work (and why they matter)- Why crypto is shifting from a fringe asset to being part of serious portfolios- What risks still exist (even in a “boomer-friendly” version of Bitcoin)- How fund structures like PIEs make investing simpler, especially for high earners- Whether other coins like Ethereum could followIf you’re crypto-curious but cautious, this one’s for you.Making Cents is supported by our friends at KiwibankLinksFollow Frances Cook on Facebook, Instagram and TikTok, or join the Money Memo newsletter for a free weekly money tip in your inbox each week.

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.Buying a house is one of the biggest financial commitments most people ever make, and unless you’re one of the lucky few born into millions, chances are you’ll need a mortgage to do it.But here’s the part most people don’t realise: how you structure that mortgage can be the difference between paying it off decades from now… or shaving years (and tens of thousands of dollars) off your loan.In this episode, I’m joined by financial strategist Katie Wesney from EnableMe, who breaks down the biggest mortgage structure mistake people make, and how to fix it.We unpack how your money personality should shape your strategy, why flexibility can matter more than the lowest rate, and when tools like split loans or revolving credit can supercharge your repayments.Whether you’re a first-home buyer or already deep into your mortgage journey, this episode is packed with tips to help you build a plan that actually works for your life.LinksFollow Frances Cook on Facebook, Instagram and TikTok, or join the Money Memo newsletter for a free weekly money tip in your inbox each week.