Making Cents - podcast cover

Making Cents

Frances Cookshows.acast.com

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 Thursday we have Ask the Experts, where industry insiders answer your questions on the money world. From earning more in your career, to investing, or sticking to a budget, they'll help make money simple.


Every now and then you'll get a bonus episode too, but the fun of those is that you never know when they're coming!

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

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Episodes

From budgets to bottles, how to prep your money for parenthood

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

Feb 26, 202516 min

Quick Hit: Why loving your job can hold you back

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

Feb 25, 202514 min

Predatory lending just got worse - the ugly truth of cosmetic surgery loans

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

Feb 23, 202534 min

Why is insurance getting more expensive?

Welcome to Ask the Experts, where each week we talk to people in the industry to get the inside word on what’s happening right now, and what that means for the tactics that you should use to make the most of your money. This week we’ve partnered up with AdviceFirst, which has kindly leant us their expert Willie Moala, national insurance lead. We're talking everything you've always wanted to know about insurance, including what you need, and what you don't. Links Follow Frances Cook on Facebook ,...

Feb 19, 202527 min

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

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

Feb 18, 20258 min

How to negotiate your career like a CEO

Rhiannon McKinnon, former CEO of Kiwi Wealth, current CEO and founder of CEO101, talks climbing to the top of the finance industry, how analysts make investing decisions, and how to take your career to the next level. Your career is a huge investment in your financial future, but only if you take control of it. If you want to earn more, and get the bigger opportunities, you have to get strategic, and learn how to negotiate. So how pushy can you get? Well let’s talk to someone who’s been at the t...

Feb 16, 20251 hr

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

Welcome to Ask the Experts, where each week we talk to people in the industry to get the inside word on what’s happening right now, and what that means for the tactics that you should use to make the most of your money. This week I’ve partnered up with realestate.co.nz, who has kindly leant us their expert Vanessa Williams, and we’re talking about what actually happens with house values, the myths, and the truth of it. Links Follow Frances Cook on Facebook , Instagram and TikTok , or join the Mo...

Feb 12, 202520 min

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

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

Feb 11, 20254 min

Viral mortgage hacks debunked: Separating clickbait from real advice

Dan Bell, financial adviser and co-founder of Colab Mortgages, shares how his tips for property investment, mastering the mortgage, and understanding international money markets. If you’ve been lucky enough to get a first home, or even an investment property, there’s two things that happen quite quickly. First, the excitement of making a big money move for your future. Second, the mild panic of seeing several hundred thousand dollars of mortgage debt turn up in your account. And there are all so...

Feb 09, 202548 min

Small business hacks: accountant edition

Welcome to Ask the Experts, where each week we talk to people in the industry to get the inside word on what’s happening right now, and what that means for the tactics that you should use to make the most of your money. This week I’ve partnered up with Xero, who has kindly lent us their expert Bridget Snelling, Country Manager NZ and we’re talking about how to stop any extra money leaking out of your small business or side hustle, and especially what magic an accountant can and can’t work, in or...

Feb 05, 202522 min

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

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

Feb 04, 20257 min

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

Frances Cook answers the questions that you sent in, in a solo episode covering the best investing strategies, revolving mortgages, and what's up with her weird accent? Questions in this episode: I want to know more about your accent! There is more than one in there, right? I love it, I’m just curious. Is sharesies ok for a short term savings account or too risky? EG $10k for a holiday in 6 months? What to do with a big windfall ($1 mill). Save, invest, or property? What’s your view on revolving...

Feb 02, 202548 min

How to master debt, and pay it off faster

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

Jan 29, 202523 min

Quick Hit: How to take control of your money behaviour

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

Jan 28, 20254 min

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

Nick Gentle, buyers agent, property coach, and a self-described “frugality geek”, shares how he managed to become financially independent by 30. Picture this: it’s 2.30 on a Wednesday afternoon, and you’re not in the office. Instead, you’re coaching your son’s latest sports team. This time it’s soccer, other days, it’s chess. This is the reality for one dad, who quit corporate life at just 30. How? A mix of living a very frugal life, and property investing. Here’s how he did it. Links Follow Fra...

Jan 26, 20251 hr 5 min

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

Welcome to Ask the Experts, where each week we talk to people in the industry to get the inside word on what’s happening right now, and what that means for the tactics that you should use to make the most of your money. This week we’ve partnered up with KiwiBank, which has kindly leant us their expert Hayley Tito, senior product manager for everyday banking, and we’re talking savings, and how to actually want to do it. Links Follow Frances Cook on Facebook , Instagram and TikTok , or join the Mo...

Jan 22, 202514 min

Quick Hit: How to create money goals you can stick to

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

Jan 21, 20259 min

How to ‘turbocharge’ your way to financial independence

Shang Saavedra, now a work-optional financial coach, shares how she 'turbocharged' her finances in order to create time freedom. When it comes to building towards a good financial future, you’ll need some spare cash in order to hit your goals, whether that’s paying off debt, investing, or whatever else. In order to get there, there’s basically two options. You need to earn more, or spend less, in order to have the funds that let you do the interesting things. But what if you did a bit of both? C...

Jan 19, 202550 min

Your cheat sheet for knowing what the property market will do next

Welcome to Ask the Experts, where each week we talk to people in the industry to get the inside word on what’s happening right now, and what that means for the tactics that you should use to make the most of your money. This week I’ve partnered up with realestate.co.nz, who has kindly leant us their expert Vanessa Williams, and we’re talking about how you can learn to read the tea leaves of the property market, and make a smart prediction on what’s coming next. Links Follow Frances Cook on Faceb...

Jan 15, 202520 min

Quick Hit: The lightbulb moment of discovering Financial Independence

A highlight clip from the December 2nd episode, “I regret paying off my mortgage early”, with financial analyst Nick Carr. 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....

Jan 14, 20257 min

The bargain hunter’s playbook: Mastering savings in your town

Shell Shields, who runs the page Christchurch Deals, shares how she finds a good bargain, which community is the secret weapon, and what she'd never cut back on. I will die on this hill - one of the best ways to manage your money is to be around people with similar values to you, who are part of your team, and cheering you on. This is particularly the case when it comes to trying to cut back and save. If friends and family are on the same page as you, you can all work together to make sure that ...

Jan 12, 202539 min

The different mortgage types that get you debt-free, faster

Welcome to Ask the Experts, where each week we talk to people in the industry to get the inside word on what’s happening right now, and what that means for the tactics that you should use to make the most of your money. This week we’ve partnered up with EnableMe, which has kindly leant us their expert Katie Wesney, a head strategic coach. We’re talking the different types of mortgage you can get, and how they help you make the most of your cash. Links Follow Frances Cook on Facebook , Instagram ...

Jan 08, 202518 min

Quick Hit: What to know before you make a career change

A highlight clip from the October 28th episode, "How financial freedom can lead to a career change", with Natasha Etschmann, also known as Tash Invests . 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....

Jan 07, 20255 min

From burnout to business launch

Clarissa Hirst, professional coach and marketing consultant, shares how a panic attack and burnout led to quitting the corporate world and launching her own business. It’s something we’re often encouraged to do when we’re establishing our careers – work hard, take on extra projects, join networking groups and do extra with them too. The problem is, there’s only so much of us to go around, and sometimes this can lead to you hitting the wall, and realising you can’t do it anymore. That’s what happ...

Jan 05, 202551 min

Quick Hit: Balancing money goals, and living life

A highlight clip from the December 2nd episode, “I regret paying off my mortgage early”, with financial analyst Nick Carr. 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....

Jan 01, 20257 min

Quick Hit: How to create a business that works for your lifestyle

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

Dec 29, 20247 min

Quick Hit: How to start house sitting and travel for free

A highlight clip from the September 30th episode, "How house sitting with alpacas turned into a digital nomad dream", with Sarah Kelsey from the OneUp Project. 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....

Dec 25, 20248 min

Why this family switched 'early retirement' for 'mini retirement' in a van

Kellie Dawson, financial freedom seeker and mum, shares how her family were able to quit work and hit the road in Australia, for a year of nomad life in a van. There’s a tension when we talk about money. Often creating financial security for the future can mean giving things up now… but life is also for living, and you could get hit by a bus tomorrow. So how do you balance it? By setting goals, and a strategy, but being willing to change them along the way. That’s exactly what today’s guest did....

Dec 22, 202448 min

Temperature check: what’s up with the economy?

Welcome to Ask the Experts, where each week we talk to people in the industry to get the inside word on what’s happening right now, and what that means for the tactics that you should use to make the most of your money. This week we’ve partnered up with Kiwibank, which has kindly leant us their expert MJ Vergara, senior economist, and we're talking the economy. Is it good, is it bad, and what does all of this mean for your wallet? Can you expect a pay rise in 2025, and what's going to happen wit...

Dec 18, 202417 min

The hidden psychology that helps you build wealth - and why meditating hurts your money

Dr Brad Klontz, co-author of the new book Start Thinking Rich: 21 Harsh Truths to Take You from Broke to Financial Freedom, shares how money beliefs can hold you back. Most of us have been there - you know what you should be doing with money, but you’re not doing it. Why? Well there’s a whole bunch of wiring deep in our brains that can trip us up and sabotage us. That doesn’t mean it’s all a lost cause … it means that you need to take control of your mind, before you truly take control of your m...

Dec 15, 202455 min
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