Making Cents

A replay of a conversation with the 1News Breakfast team, on the best tips to save money from your food budget.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.

Grocery prices have gone off the rails. Butter costs more than brunch, olive oil feels like a luxury item, and meat? Don’t even ask.It’s enough to derail your entire budget, and for many Kiwis, it already has.In this episode of Making Cents, I’m joined by Chef Alice Taylor, the force behind @AliceTaylorEats, whose cheap, delicious, and realistic recipes have built a devoted following online. She’s also furious about how hard it’s become just to feed yourself well, and she’s doing something about it.We get into:The cost-saving kitchen hacks that actually workWhy she’s calling out politicians over food pricesHow to build a staple pantry that saves you time, money, and stressTips for feeding picky kids, eating with allergies, and still getting the occasional treatBecause while some things are out of our control, there’s still power in what we can do, especially when we share what’s working.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 industry insiders to get the inside word on what’s happening in the market, and what that means for the tactics that you should use to make the most of your money.Here’s a wild stat to kick things off: almost one in three New Zealanders have accidentally bought a house.Not just wealthy investors, we're talking first-home buyers too.So how on earth does that happen? And what does it tell us about the current New Zealand housing market, property prices, and buying strategies?For this episode I’m joined by Vanessa Williams from http://realestate.co.nz , who’s got the data to explain it all, and how you can be ready if an unexpected homeownership opportunity lands in your lap.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.

A highlight clip from the February 3rd episode, “From how I invest, to getting rid of the mortgage fast: A chaotic Ask Me Anything episode”, with Frances CookLinksFollow 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.Has the world gone mad, and is that why gold prices are hitting record highs?With inflation, war, and market instability making headlines, more people are asking the same question: Should I be investing in gold?It’s the classic “safe haven” asset. But is it actually safe? And is now the right time, or are you already too late?In this solo episode, I’m cutting through the hype to help you decide whether gold deserves a spot in your investment strategy, or if it’s just fear in a shiny wrapper.We talk about:– Why gold spikes during global chaos– When it works… and when it really doesn’t– The biggest gold investing mistakes to avoid– How to actually buy gold (without getting scammed)– Whether gold is right for your money goalsIf you’ve ever wondered whether gold is a smart move or just investing FOMO, this episode’s 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.

In a live episode of Making Cents, it's time to decode the tension still simmering in the US-Iran-Israel conflict, and the reaction from the money world. Oil prices, KiwiSaver balances, inflation pressure, and economic growth could all be impacted. What does this mean for your money? Host Frances Cook is joined by top financial minds to unpack what’s happening and what you can do about it: Jarrod Kerr, chief economist at Kiwibank Michael Gorin, wealth adviser at AdviceFirst Gareth Kiernan, chief forecaster at Infometrics Real-time, expert-backed analysis to help you stay calm, informed, and in control. Whether you're an investor, homeowner, or just trying to get by — this episode is for you. Join live to get your questions answered on: How global conflict is affecting oil prices and inflation What the situation could mean for your KiwiSaver Whether now is the time to buy, sell, or sit tight What smart investors and advisers are doing right now

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.I’m sure you’ve heard this one before: that you need to do everything possible to buy a house, right now, as soon as possible, because rent is dead money and you are falling behind every single day that you don’t own your own home.But is that true?Not necessarily. There’s a lot more nuance here, and both the numbers and lifestyle need to be part of the conversation.In this episode, I’m breaking it all down with Katie Wesney from EnableMe:Is renting really a waste of money, or can it work with a different financial strategy?How to turn “dead money” into wealth by investing the rent gapThe reality of renting in New Zealand vs countries like GermanyWhy homeownership often matters more in retirementKatie’s five-point financial plan for successful rentingWhether you’re a renter wondering if you’re falling behind, or a homeowner stressing about your mortgage, this episode is full of real talk and smart tactics to help you make 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.

A replay of a conversation with the 1News Breakfast team, on how being too polite could actually cost you thousands of dollars. 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 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.If your hair really bothered you, to the point where you thought about it all the time, would you spend $20,000 on a permanent fix?Today’s guest did exactly that. And not only does he say it was worth it, he also says it was a good financial decision.That’s a bold claim, but he would know. Because he’s a financial adviser.Now, you might be thinking, “That’s nice if you’ve got $20,000 to throw away on your hair.” But as he puts it, that’s the point.The whole reason to pursue financial freedom is so that you can spend money on the things that really matter to you, without going into debt, and while still hitting your other long-term goals, like buying a house, saving for retirement, or investing to build wealth.In this episode we talk about:– Values-based spending– Budgeting for major lifestyle expenses– How to avoid financial guilt– Tools for tracking your money– And yes... does a hair transplant hurt?It’s money, mindset, and spending without regret.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.Here’s a scary stat for you: there’s research that shows your money personality is already set, done, dusted, by the time you’re seven. Seven! That’s well before most parents start talking to their kids about money — let alone teaching them how to save, budget, or understand the value of a dollar.So what does that mean for your kids' financial future? And what can you do if you didn’t get a great financial education growing up?In this episode, we tackle the big questions around raising money-smart kids, breaking bad money habits, and how to teach financial literacy at home, even if you’re still figuring it out yourself.Kiwibank's Julia Jackson is a pro in helping families build stronger money habits. We dive into:How to teach kids about money at different ages, from pocket money to their first jobPractical ways to build financial literacy at home (without needing to be an expert)The importance of age-appropriate money lessons, and how to tailor them to your childHow kids absorb money behaviours from you (even if you never talk about it)It's practical steps to raise financially confident kids — no spreadsheets requiredLinksFollow 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 what's happening with the economy, will house prices go back up, and should you be investing in gold at a time like this?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.You’ll definitely recognise the name of today’s guest - Jay-Jay Feeney, who was on the airwaves across New Zealand for 33 years. A radio career that many would kill for, except she decided to chuck it all in, and launch a business instead. Taking all of that radio knowledge and channelling it into what she sees as the future for audio: podcasting. Problem being, she’s the first to admit that she’s not naturally a business-person. So she decided to team up with someone she trusted, her ex-husband, fellow former radio host Dom Harvey. The ex is not who most people would go into business with, but Jay-Jay and Dom are not like most former couples. They decided that trust, and their continuing friendship, was the most important foundation to build their business on. They’ve got practice because they’ve actually never really bothered to separate their finances, just the romantic relationship.So, the business parts, they figured they could also work out together.  This episode dives into the real behind-the-scenes of what it takes to reinvent your career, including:How Jay-Jay financially planned to leave her high-profile jobThe challenges of starting a bricks-and-mortar business in today’s economyThe risks and rewards of entrepreneurshipWhat happens if the business doesn’t become profitable, and how long she’s giving herself to find outWhether you're thinking about quitting your job, launching a podcast, or starting a business with someone unexpected, this is a must-listen episode packed with honest insights on personal finance, career reinvention, and startup life in New Zealand.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.Here’s a horrifying stat: economist Shamubeel Eaqub crunched the numbers and found that single people spend 14% more than couples.In some categories, it’s even worse. Housing? 53% more. Healthcare? 40% more.That’s not avocado toast. That’s basic survival.This episode is all about what you can do to fight back. Whether you’re single by choice or circumstance, we’re breaking down the numbers, calling out the hidden costs, and helping you find smart ways to protect your financial future, without compromising your lifestyle.For this episode I’ve partnered with Enable.Me, and their strategic consultant Shelley Palman joins us to break it all down.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.

A replay of a conversation with the 1News Breakfast team, on red flags to watch out for if you're investing in the sharemarket. 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 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.This episode is for anyone torn between living life and staying smart with money. Because you don’t have to choose just one.When Mireia Muller-Pallares decided to leave her 9–5 and move to Spain, she wasn’t willing to blow her savings or give up on her future goals. So she built a plan to keep investing, cover her student loan, and stay financially secure - while still living her dream life in Valencia.We cover:How to set up your finances before moving overseasWhat really happens to your KiwiSaver and student loan when you leave NZCreative ways to keep investing while earning lessHow to redefine “success” when you’re no longer climbing the ladderWhether you're planning an OE, thinking about quitting your job, or just craving a different way to live — this episode proves it's possible to do it without tanking your money.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 in the market right now, and what that means for the strategies you should use to make the most of your money.If you’re a first home buyer or property investor, you already know the stakes: house prices are high, and competition is fierce. We’ve recently covered how to get mortgage-ready and what to look for in a property, but today, we’re diving into the part that could literally save you tens of thousands of dollars.The negotiation.This is where most buyers freeze. Should you go in low? How do you spot a vendor bluffing? What phrases can kill your offer? We’re breaking down the biggest negotiation mistakes people make when buying a house, and how to avoid them.Whether you’re in the middle of house hunting, prepping your first offer, or just want to get smart before entering the market, this episode is packed with expert-backed advice to help you negotiate like a pro.This week I’ve partnered up with http://realestate.co.nz, who’ve kindly lent us their expert Vanessa Williams, to walk us through it all.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.

A special live edition where we look at what is happening with NZ property right now, and what that means for hopeful first home buyers.Whether you're just starting to save or already scrolling property listings, this live expert panel has the insider tips you need to get in the door faster.Mortgage advisor Claire Williamson (My Mortgage) and Vanessa Williams (realestate.co.nz) join Frances Cook on Making Cents to break down everything first home buyers need to know, including:Where to buy in 2025KiwiSaver tips to boost your depositWhat kind of property to look for (and what to avoid)How to save smarter and get mortgage-ready If you’re feeling overwhelmed, you’re not alone. But with the right info, the right strategy, and a little expert help, you can make it happen.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 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.When it comes to investing, one question tops my inbox: how do you actually figure out if a company is worth your money?In this episode, we dive deep into how financial journalists read company financials, and the tactics retail investors can borrow to make smarter, more confident investment decisions.We cover:- Which numbers matter (and which ones don’t)- The red flags to watch for in financial statements- The green flags that signal strong leadership and long-term value- Why “gossip” and corporate culture can be just as important as the numbersI’m joined by longtime business journalist Paul McBeth, editor of The Bottom Line (https://www.thebottomline.co.nz/), to unpack the tools he’s used for years to understand what’s really going on inside a company. It's time to know how you can use them too, before you invest another dollar.If you want to learn how to spot the story behind the numbers, this one’s 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.

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. The money world has been all over the place recently.While it does often like to keep us on our toes, recently, it's been even more than usual. Interest rates are heading down (yay!) but there are talks of recession (boo!) and the sharemarket is all over the place to say the least. So whether it’s investing or even just your overall money strategy, what do you do at a time like this? This week I’ve partnered with EnableMe, and head strategic coach Katie Wesney is here to cut through the noise. She shares what to actually pay attention to right now, how to make progress even when the stock market’s chaotic, and why a few smart moves can make a big difference — even in a downturn.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.

A highlight clip from the February 10th episode, “Viral mortgage hacks debunked: Separating clickbait from real advice”, with Dan Bell, financial adviser and co-founder of Colab Mortgages.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.Let’s be honest - with the cost of living going up and pay packets staying still, even small treats can start to feel out of reach. That cheeky brunch, nice skincare, or weekend getaway? Suddenly off the table.But what if you could still enjoy the good life, without wrecking your budget?Sabby Jey has gone viral for her tips on how to live luxuriously for less, and in this episode, she shares how to feel rich without spending like it.From savvy swaps to psychological tricks that make you feel upgraded (without upgrading your credit card balance), this one’s all about living the good life for less, and actually enjoying it.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.

KiwiSaver’s been cut, so what should you do now?In this special live episode of Making Cents, we unpack the 2025 Budget and what it means for your money.Spoiler: the government just halved the KiwiSaver contribution. And if you’re earning over $180k? You’ll lose it entirely.There’s a lot of noise out there, but this is where we get to the real talk.We cover: - What the KiwiSaver changes actually mean for your pay and your future - Whether it’s still worth contributing (especially if you’re self-employed) - The sneaky detail about employer contributions no one’s talking about - How to build long-term wealth even when the rules keep changing - Plus what global interest rates and US election chaos could mean for NZ investorsJoined by:Hannah McQueen (Enable.Me)Ron Montgomery (BlackRock)Aaron Klee (AMP)If you’re feeling frustrated or confused — you’re not alone. But the good news? You’ve still got options.We'll break it down, calmly and clearly, so you can stay one step ahead.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.Going in to ask for a mortgage is enough to make anyone a bit sweaty, even if you’re usually the calm and confident type. The process is a bit mysterious, and frankly, a test that is too important to fail.So what are mortgage lenders actually looking for? What red flags make them nervous, and what won’t matter nearly as much as you think?This week we’ve partnered with Kiwibank to get answers straight from the source.Mobile mortgage manager Chelsea Ladbrook joins us to explain how to increase your chances of mortgage approval, common mistakes to avoid, and the surprising tactics that can help you borrow smarter.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.

Money world update, with Jim Mora on Sunday Morning with RNZ. Chatting everything from possible changes to KiwiSaver, whether renters can get ahead right now, whether the property market is about to bounce back, and how worried should we be about the brain drain and everyone fleeing to Australia? 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.

Claire Wasserman, founder of Ladies Get Paid, shares how she went from 'having it all' to suffering burnout, and how that's changed the advice she gives as a career coach.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.Imagine you’re the one people come to for career advice. A coach helping women land promotions, negotiate raises, and build powerful careers. Then suddenly, you're the one who burns out.That’s what happened to Claire Wasserman, founder of Ladies Get Paid.In this episode, she shares what burnout taught her about success, why she stepped off the hustle treadmill, and how she’s now redefining ambition for a new generation of women.If you've ever questioned the cost of chasing career goals, or felt like your dream job turned into a trap, this one's for you.We dig into career pivots, money mindset shifts, and what it really means to build a life on your own terms.Hit play to hear the truth behind the girlboss era, and what comes next.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.FOMO is sneaky — it slides in to lighten your wallet while you're just trying to live your life.From social media comparison to impulsive late-night purchases, it's all too easy to get distracted from your long-term financial goals. Never mind the locked in spending like groceries, which can destroy the budget entirely.In this episode, we unpack the real psychology behind overspending, why self-control isn't just about willpower, and how to build systems that help you win without giving up what you love. Then it's on to tackling those bills you can't avoid, and getting life basics for less.EnableMe senior financial adviser Justin Gauci joins Frances Cook to share practical mindset shifts and small changes that can help you break the FOMO loop — and actually feel good about 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.

A highlight clip from the Janury 27th episode, “Financially free at 30: How this dad quit the corporate world”, with Nick Gentle, buyers agent and property coach.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.

Jackson Hapeta, co-founder of Lenda, shares the moment he realised he was overpaying for his mortgage, and how that inspired him to found a business that helped everyone negotiate better. 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. Buying a house is one of the biggest financial moves most of us will ever make. But paying it off smartly? That’s where the real money is.You could be spending thousands more on your mortgage than you need to, simply because nobody told you the tricks to get a better deal.There’s the interest rate that's advertised, and then there’s the real rate — the one they might offer if you know exactly what to ask for.There are also extra perks on the table (think cashbacks or fee waivers), but they often don’t mention them unless you bring it up.So in this episode, I talk to someone who’s built a business around helping people negotiate like a pro — after realising his mates were quietly saving thousands just by playing the mortgage game better.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.Making Cents is supported by our friends at Kiwibank.

Want to save more money without relying on willpower? You might need a moodboard.In this live episode of Making Cents, financial journalist Frances Cook dives into the unexpected psychology behind saving money — and how a tool usually reserved for Pinterest weddings might actually be your biggest financial secret weapon.Don't believe me? Here's what you need to know: Why traditional budgeting often fails (and what to do instead)The science-backed link between moodboards and higher savings ratesHow to use “future self” visualisation to beat impulsive spendingWhat financial psychologists like Dr Brad Klontz have discovered about motivationPractical hacks like renaming accounts, mental accounting, and financial mindfulnessThis isn’t about magical thinking — it’s neuroscience, and it works.If you’re tired of spreadsheets, and want a way to make money habits stick, this episode is 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.

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 talk a lot about how to buy property — but what if you’re renting?With rental prices rising and housing taking up a huge chunk of the average budget, renters need smart strategies too. In this episode, I team up with realestate.co.nz and speak with property expert Vanessa Williams about how to make the most of your money while renting.We cover how to understand the rental market in New Zealand, how to protect yourself financially as a tenant, what to know if you want to buy a home eventually, and how to set goals that work whether you rent short- or long-term.Whether you're a lifelong renter or saving for your first home, this episode, we've got your back.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.

Sharyn Casey, radio, TV, and podcast personality, shares why she quit what was once her dream job, and how she's handled that financially.You can have the dream job. The big career. The success everyone else envies. And still realise; this isn’t the life you want.That’s exactly what happened to Sharyn Casey, who you probably already know from listening to her on the radio during her long stint on The Edge, or maybe when she hosted Dancing with the Stars. Or maybe you just like following her on instagram, along with tens of thousands of other people. And if you do know her from all of that, you’ll also know, that at the top of her game, she walked away.So what actually happens when you step off the success treadmill?What about the bills that still need paying, the kids that still need feeding, the future you still have to build?What does it take to quit a top-tier media career?How do you handle the financial impact of leaving a steady job?And is it really possible to rebuild a better life on the other side?In this episode of Making Cents, Sharyn shares what led to her decision to quit, how she’s handling the transition financially, and the surprising truths about burnout, motherhood, and building a more meaningful career.If you’ve ever fantasised about quitting your job – or wondered what it really costs to change your life – this one’s 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.

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.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.

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. 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

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. 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.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.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.

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.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, 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. 

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!Check out Xero's free Know Your Numbers financial education resource right here: https://knowyournumbers.xero.com/ If you want to bag a bargain, Making Cents listeners can get a whopper of a discount on Xero. Go to this link www.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.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.

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. 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

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. 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.

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. 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

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? 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 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? 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 #rowansimpson #trademe #investingforbeginners #entrepreneurlife Chapters 00:00 - Introduction 01:52 - Rowan’s First Startup 05:02 - Trade Me’s Near Death Experience 07:20 - Identifying Successful Ideas 11:39 - The Reality of Startup Life 17:00 - Learning from Mistakes 19:56 - The Role of Ego in Business 21:18 - The Compounding Effect of Success 25:56 - Private Investing 29:13 - Rowan’s Involvement With Companies 30:45 - How To Identify A Good Founder 31:53 - Angel Investors 35:29 - Diworsification 41:03 - Balancing Life With Startups 42:42 - New Zealand’s Business Reality 45:28 - Advice To Founders 47:26 - Pro Capital Gains Tax 52:38 - Reaching Financial Freedom 54:07 - Advise To Investors 55:35 - “How To Be Wrong” 56:49 - Conclusion

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 www.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.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.

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.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.

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? 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 Chapters 00:00 - Introduction 01:57 - The Role of the Retirement Commissioner 04:30 - The Sorted Fund Finder 05:22 - Personal Journey and Financial Awareness 10:01 - The Impact of Historical Financial Crises 13:21 - The Biggest Surprise In Her Role 15:00 - Common Financial Mistakes and Debt Management 20:48 - The One Thing You Should Set Up During Your First Job 22:12 - Kiwibank Ad 22:38 - Positive Trends in Saving and Financial Awareness 25:40 - Balancing Individual Responsibility and Systemic Issues 28:02 - Integrating Financial Education into Schools 34:00 - Enhancing KiwiSaver for Future Generations 44:59 - Addressing Housing Affordability and Options 51:10 - Long-term Solutions for Retirement Savings 56:05 - Conclusion

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.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.

A highlight clip from the November 11h episode, “Your questions, answered: Why I quit, best investing strategy?”.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.

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. 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.