People are getting scammed - here's what you need to know

Making Cents

#Trading #Business #Podcasting Education #Frances Cook #Money #Property #Careers #Earn #Finance #Financial Independence #Fire #Saving #Income #Retirement #House #Home

35:00

The healing power of fitness goes far beyond physical benefits—for today’s guest, it’s a form of self-expression and a celebration of what the body can do. In this episode, host Nora McInerny sits down with fitness personality Ivylis Rivera, who shares her deeply personal journey of navigating life with Chronic Migraine while holding onto her passion for movement. Ivylis opens up about the struggle of staying active while facing the fear of triggering a headache or migraine attack and the resilience it takes to keep pushing forward—a resilience that carried her through the challenging journey of finding a Chronic Migraine treatment plan that worked for her. Join Nora and Ivylis as they explore the concept of “soft living,” a philosophy Ivylis embraces—staying active, listening to your body, and building trust in oneself. Click here for Product Information, including Boxed Warning and Medication Guide, or visit https://abbv.ie/prescribing_info See omnystudio.com/listener for privacy information.…

about a year ago 25:00

MP3•Episode home

This week we’ve partnered up with Kiwibank, who has kindly leant us their expert fraud specialist Alyssa Charles-Green, and we’re talking about the fraudsters and scammers who want to get you, and how you can beat them at their own game.

Links

Follow Frances Cook on Facebook, Instagram and TikTok, or join the Money Memo newsletter for a free weekly money tip in your inbox each week.

Hosted on Acast. See acast.com/privacy for more information.

95 episodes

People are getting scammed - here's what you need to know

Making Cents

published about a year ago

MP3•Episode home

Links

Follow Frances Cook on Facebook, Instagram and TikTok, or join the Money Memo newsletter for a free weekly money tip in your inbox each week.

Hosted on Acast. See acast.com/privacy for more information.

95 episodes

#Trading #Business #Podcasting Education #Frances Cook #Money #Property #Careers #Earn #Finance #Financial Independence #Fire #Saving #Income #Retirement #House #Home

All episodes

1
The investing shift that builds wealth (even in a recession) 16:08

18 hours ago16:08

16:08

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. Links Follow Frances Cook on Facebook , Instagram and TikTok , or join the Money Memo newsletter for a free weekly money tip in your inbox each week. Hosted on Acast. See acast.com/privacy for more information.…

1
Quick Hit: Can you mix money and family? 9:59

2 days ago9:59

9:59

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. Links Follow Frances Cook on Facebook , Instagram and TikTok , or join the Money Memo newsletter for a free weekly money tip in your inbox each week. Hosted on Acast. See acast.com/privacy for more information.…

1
How to be "boujee on a budget" 46:54

4 days ago46:54

46:54

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. Links Follow Frances Cook on Facebook , Instagram and TikTok , or join the Money Memo newsletter for a free weekly money tip in your inbox each week. Hosted on Acast. See acast.com/privacy for more information.…

1
Making Cents of the Budget: What KiwiSaver changes mean for you, and could you get a pay rise? LIVE REPLAY 49:35

7 days ago49:35

49:35

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 investors Joined 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. Links Follow Frances Cook on Facebook , Instagram and TikTok , or join the Money Memo newsletter for a free weekly money tip in your inbox each week. Hosted on Acast. See acast.com/privacy for more information.…

1
What the bank wants to know before it approves your mortgage 22:55

8 days ago22:55

22:55

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. Links Follow Frances Cook on Facebook , Instagram and TikTok , or join the Money Memo newsletter for a free weekly money tip in your inbox each week. Hosted on Acast. See acast.com/privacy for more information.…

1
KiwiSaver changes, renters get a break, and should we worry about the brain drain? BONUS episode 12:25

10 days ago12:25

12:25

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? Links Follow Frances Cook on Facebook , Instagram and TikTok , or join the Money Memo newsletter for a free weekly money tip in your inbox each week. Hosted on Acast. See acast.com/privacy for more information.…

1
"You can have it all, but at what cost?" How to beat burnout with Claire Wasserman from Ladies Get Paid 1:06:08

11 days ago1:06:08

1:06:08

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. Links Follow Frances Cook on Facebook , Instagram and TikTok , or join the Money Memo newsletter for a free weekly money tip in your inbox each week. Hosted on Acast. See acast.com/privacy for more information.…

1
FOMO vs financial goals: How to stay focused when everything’s a temptation 17:04

15 days ago17:04

17:04

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. Links Follow Frances Cook on Facebook , Instagram and TikTok , or join the Money Memo newsletter for a free weekly money tip in your inbox each week. Hosted on Acast. See acast.com/privacy for more information.…

1
Quick Hit: The reality behind early retirement 10:56

16 days ago10:56

10:56

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. Links Follow Frances Cook on Facebook , Instagram and TikTok , or join the Money Memo newsletter for a free weekly money tip in your inbox each week. Hosted on Acast. See acast.com/privacy for more information.…

1
How to negotiate a killer mortgage 57:34

18 days ago57:34

57:34

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. Links Follow Frances Cook on Facebook , Instagram and TikTok , or join the Money Memo newsletter for a free weekly money tip in your inbox each week. Making Cents is supported by our friends at Kiwibank. Hosted on Acast. See acast.com/privacy for more information.…

1
Why a moodboard is the secret to mastering your money: LIVE REPLAY 22:33

21 days ago22:33

22:33

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 rates How to use “future self” visualisation to beat impulsive spending What financial psychologists like Dr Brad Klontz have discovered about motivation Practical hacks like renaming accounts, mental accounting, and financial mindfulness This 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. Links Follow Frances Cook on Facebook , Instagram and TikTok , or join the Money Memo newsletter for a free weekly money tip in your inbox each week. Hosted on Acast. See acast.com/privacy for more information.…

1
Renting doesn't have to suck - how to outsmart the housing market to get the best deal 25:32

22 days ago25:32

25:32

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. Links Follow Frances Cook on Facebook , Instagram and TikTok , or join the Money Memo newsletter for a free weekly money tip in your inbox each week. Hosted on Acast. See acast.com/privacy for more information.…

1
Sharyn Casey on quitting the 'dream job' 56:42

25 days ago56:42

56:42

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. Links Follow Frances Cook on Facebook , Instagram and TikTok , or join the Money Memo newsletter for a free weekly money tip in your inbox each week. Hosted on Acast. See acast.com/privacy for more information.…

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

29 days ago17:39

17:39

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

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

30 days ago45:20