Making Cents
byFrances Cook
BusinessInvestingEducationHow-To
The podcast for people who want financial freedom, without giving up their coffee. That means it's time to make the money world make cents. Join Frances Cook, best-selling author and award-winning journalist, to talk about the proven ways to invest your way to financial independence, buy your first home, or just get your spending under control. Every Monday we have the week's feature interview, with someone who's done something interesting with their money. From paying off a mountain of debt, or investing for financial independence, or starting a new business, these are the ordinary people making the extraordinary possible. On...
Episodes(40 episodes)
Is politics about to ruin my first home buying plans?
Is politics about to derail your house buying plans?With an election looming, talk of capital gains taxes, housing policy changes, and the possibility of government interference is everywhere. And if you’re trying to buy your first home, it’s enough to make you wonder… should you rush in, or wait it out?In this episode of Ask the Experts, Frances Cook is joined by Vanessa Williams from http://realestate.co.nz to cut through the noise and focus on what actually matters.We’re talking:what election years have historically meant fo...
Published: Mar 25, 2026Duration: 17m 40s
Supermarket Tricks, Insurance Hacks & Subscription Traps: How to Stop Overpaying
Why does it feel like you’re always spending more than you meant to?No, you’re not imagining it. Modern consumer life is full of supermarket tricks, subscription traps, hidden fees, dark patterns, and pricing tactics designed to get more money out of you.Luckily Consumer senior investigative journalist Chris Schulz knows all the psychological tricks companies use to drive overspending, and the practical ways you can fight back.From supermarket layouts and loyalty pricing, to hard-to-cancel subscriptions, hidden online fees, insurance costs, and power bills, this...
Published: Mar 22, 2026Duration: 39m 59s
How To Save Your Cash When The Price Of Everything Is Going Up
Just as we were hoping for a break in the cost of living, fuel and food prices are heading up again. So how can you protect your cash, and find savings everywhere from insurance, to KiwiSaver, to your subscriptions? A replay of the conversation with Jesse Mulligan on RNZ’s Afternoons.Follow me everywhere!Facebook / https://www.facebook.com/FrancesCookNZInstagram / https://www.instagram.com/francescooknzTikTok / https://www.tiktok.com/@francescooknzJoin the Money Memo newsletter for a free weekly money tip in yo...
Published: Mar 19, 2026Duration: 10m 46s
KiwiSaver Is Changing, Here’s Everything You Need To Know
KiwiSaver is changing, and you need to know what that means for your money.The Government has changed the rules, and they’re coming in to force now.Your own contribution rates, government contribution rules, and employer payments are all shifting. And depending on your income, age, or how your salary package works, the impact on your take-home pay could be very different.In this episode of Ask the Experts, Kristin Sutherland, strategic coach at EnableMe, helps us figure out what these changes mean in reality.We’re talking:The key...
Published: Mar 18, 2026Duration: 18m 26s
After Financial Freedom: A Year Off & A Career Reboot
What would it take to quit your job, take your kids out of school, and spend a year travelling Australia in a caravan?For Kellie Dawson, it took years of careful planning, property investing, budgeting, and building enough financial freedom to press pause on normal life and ask a bigger question: what do we actually want?In this episode, Kellie shares:- how they planned a year of family travel around Australia- what financial freedom means to them in real life- how they used property investing helped...
Published: Mar 15, 2026Duration: 47m 33s
The Anxiety Premium: How to Stay Calm with KiwiSaver and Investments
Frances Cook joins the TVNZ Breakfast team to talk about why "playing dead" is the best response when your money is hit by a global crisis. Follow me everywhere!Facebook / Frances Cook - JournalistInstagram / Frances | Money | Investing (@francescooknz) • Instagram profileTikTok / Frances Cook on TikTokJoin the Money Memo newsletter for a free weekly money tip in your inbox each week Newsletter sign upBecome a confident sharemarket investor by signing up to the Market Memo newsletter Newsletter sign up#MakingCents #FrancesCook #MakingCentsPodcast #InvestingPodcast #Mo...
Published: Mar 12, 2026Duration: 5m 51s
NZ Money Advice That Sounds Smart But Ruins Your Life
Some of the most praised money advice is also some of the worst - depending on your stage of life.Buy a house as soon as possible. Never sell an investment. Stop wasting money on coffee, drinks, and fun. Always chase the biggest return. Always chase the next pay rise.Sounds responsible, right?Except real life is messier than that. And if you follow these rules too blindly, you can end up making your life smaller, more stressful, and sometimes even worse financially.In this episode of Making Cents, Frances Cook...
Published: Mar 11, 2026Duration: 23m 34s
These Investing Mistakes Cost Kiwis Millions, with Glen James
Investing can transform your financial future, but many avoid starting because it’s too intimidating.Markets go up and down, there’s endless advice online, and the fear of making a costly mistake keeps many stuck on the sidelines for years.So what actually goes wrong when people start investing? And more importantly, how do you avoid those traps?Author, and host of the Money Money Money podcast Glen James is on the podcast to break down the biggest investing mistakes beginners make, and the simple systems that help you build wealth over time...
Published: Mar 8, 2026Duration: 38m 5s
Cost of Living Hacks You Haven't Heard 300 Times Before
Frances Cook joins the TVNZ Breakfast team to talk about the ways to save money on daily life, and maybe even earn some extra cash, to get through the cost of living crunch.Follow me everywhere!Facebook / https://www.facebook.com/FrancesCookNZInstagram / https://www.instagram.com/francescooknzTikTok / https://www.tiktok.com/@francescooknzJoin the Money Memo newsletter for a free weekly money tip in your inbox each week https://www.francescook.co.nz/subscribeBecome a confident sharemarket investor by signing up t...
Published: Mar 5, 2026Duration: 8m 2s
NZ Investment Planning: How to Invest A Lump Sum in Your 50s
Losing a partner is devastating. Then on top of the grief, there’s paperwork, big life changes, and financial decisions that feel urgent and overwhelming.In this episode of Ask the Experts, we’re answering a listener question from a woman in her early 50s who recently lost her husband. They had just finished putting their kids through school and were about to ramp up retirement savings. Instead, she’s now navigating life solo, with a $500,000 lump sum from a payout and the sale of the family home.Will White from Heartland Bank i...
Published: Mar 4, 2026Duration: 14m 11s
NZ Career Survival Guide 2026: How to Get Paid More In A Bad Economy
When you’re working hard, ticking the boxes, doing everything “right”, yet still not getting the promotion or pay rise? It’s easy to feel stuck.You’re not imagining it.New Zealand’s job market has cooled. Job listings are down. Businesses are cautious. Pay rises are harder to secure. Career progression can feel slower.But when things get tight, that’s when strategy matters the most.Enter Jarrod Haar, Professor of Management and Māori Business at Massey University, to tell us what actuall...
Published: Mar 1, 2026Duration: 34m 35s
The Mortgage Hacks That Actually Work in New Zealand
A small change to a payment strategy can save hundreds of thousands of dollars and years of repayment time from your mortgage, cutting one of the biggest expenses most people will face.A replay of Frances Cook's column for Stuff.co.nz, read here with permission. Follow me everywhere!Facebook / https://www.facebook.com/FrancesCookNZInstagram / https://www.instagram.com/francescooknzTikTok / https://www.tiktok.com/@francescooknzJoin the Money Memo newsletter for a free weekly money tip in your inbox each week https...
Published: Feb 26, 2026Duration: 8m 53s
"Our house value dropped $250k - should we sell anyway?" Mailbag episode
What do you do when you’re stuck between two bad options?Sell a home you bought near the peak of the market, even though it’s now worth hundreds of thousands less, or stay put in a house that no longer fits your life?That’s the dilemma facing this week’s listener. They bought in late 2020, welcomed kids, watched their house value fall by around $250,000, and now feel trapped: too much mortgage pressure, not enough flexibility, and no clear “right” move.Vanessa Williams from realestate.co.nz is in the...
Published: Feb 25, 2026Duration: 16m 8s
Is the age of property investment over?
For decades in New Zealand, property wasn’t just an investment, it was THE investment.The safest bet. The biggest capital gains. Often tax-advantaged. And for many households, the clearest path to building long-term wealth.But that narrative is starting to shift.House prices remain high. Debt is expensive. And a growing number of New Zealanders are questioning whether residential property is still the best way to build wealth.In this episode of Making Cents, Frances Cook speaks with BusinessDesk journalist Dileepa Fonseka ab...
Published: Feb 22, 2026Duration: 32m 31s
How your subscriptions and KiwiSaver can change the world (from little old NZ)
In this episode of Making Cents, Frances Cook joins the TVNZ Breakfast team to talk about the growing "resist and unsubscribe" movement, how everyday New Zealanders can use their wallets to make a statement, and why your KiwiSaver might be one of the biggest votes you'll ever cast.Follow me everywhere!Facebook / https://www.facebook.com/FrancesCookNZInstagram / https://www.instagram.com/francescooknzTikTok / https://www.tiktok.com/@francescooknzJoin the Money Memo newsletter for a free weekly money tip in your inbox each week http...
Published: Feb 19, 2026Duration: 8m 50s
How To Get Ahead In NZ Without Earning More
What if you genuinely can’t earn more? Are you stuck financially?In this Ask the Experts mailbag episode of Making Cents, we tackle a question that so many teachers, nurses, and public sector workers quietly wrestle with: what do you do when your income is capped?Today’s letter writer is a teacher. She’s hearing the usual advice, to “earn more”, “start a side hustle”, “increase your income”, but her reality is strict salary bands, long hours, and family commitments.So if climbing the income ladder isn’t strai...
Published: Feb 18, 2026Duration: 24m 21s
How Everyday Kiwis Can Become Financially Free with Bronwyn Candish
If you want the truth about retiring early as a regular person, it doesn’t come from highlight reels or motivational posts. It comes from the numbers.When you strip away the vibes, hacks, and hot takes, the numbers show what actually works, what doesn’t, and how real people build passive income that gives them real choice over their time.That’s where Bronwyn Candish comes in.Bronwyn is a chartered accountant who specialises in working with everyday people who want to retire early. It’s not the theory o...
Published: Feb 15, 2026Duration: 39m 16s
The 4 money personalities that shape how you save, spend, and fight about money
Money fights aren’t really about money. They’re about expectations, and how differently we respond to them.In this episode of Making Cents, I’m breaking down the four money personalities that shape how you save, spend, budget, and argue about money. Get ready to finally understand why financial advice works brilliantly for some people and completely falls apart for others.Based on Gretchen Rubin’s Four Tendencies framework, these personalities explain why:You can know what to do with your money… and still not do itYour pa...
Published: Feb 11, 2026Duration: 21m 49s
What's going on with markets? Shares, gold, crypto, and the wild ride ahead with RNZ's Jim Mora
From the real risks behind AI hype and whether we're heading for a crash, to the surprising weakness hiding inside Big Tech's profits, and why digital advertising might be the canary in the coal mine that nobody's watching… it’s time to make sense of the chaos.Fast Money with Jim Mora on RNZ’s Sunday Mornings, it’s time for the money update you need.Follow me everywhere!Facebook / https://www.facebook.com/FrancesCookNZInstagram / https://www.instagram.com/francescooknzTikTok / https://www.tiktok.com/@francescooknz<...
Published: Feb 9, 2026Duration: 19m 18s
NZ Mortgage Myths That Cost You Years On Your Mortgage: With Aaron Cattell (The Mortgage Man)
There is a lot of mortgage advice out there that is confidently wrong.And the cost of following it isn’t just money, it’s time. Sometimes years of your life spent under pressure you didn’t actually need.In this episode of Making Cents, we’re cutting through the biggest mortgage myths that trip people up both before they buy a home and long after they’ve signed the papers.From “cleaning up” bank statements and chasing the lowest interest rate, to misunderstood rules around deposits, credit scores...
Published: Feb 8, 2026Duration: 45m 42s