Keep The Change

Oh so you rent...we've all heard it before, when people look down on those who rent. BUT is it all that bad? We take a look at some of the positives of rent and how people often TRAP themselves in a mortgage but don't know they do until they lose their freedom and can't make changes to their life because of their mortgage. Hey thanks for listening! Please take some form of action from this content...

How a property developer can turn one section into two and make money selling both properties. Tune in to find out how it can be done. Be sure to look at the weekly email for a real photo of this process. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to rece...

A quick check in after buying more cryptocurrency. The trap of chasing 'the best'. Don't let this thought process be the thing that stops you from taking action. Too many people get stuck at researching 'the best' instead of doing what they need to do. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscrib...

560,000 Kiwis owe $1.9billion dollars to the Ministry Of Social Development. How is this even possible? We take a look under the carpet and see what we can find. Is it getting worse or better out there? Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receiv...

Just kidding, it went huge! We dig into the two hour webinar around side hustles and how you can find some resources to help you understand how a side hustle works and the mistakes to avoid before going on that journey.. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechan...

A new financial year. Us accountants get pretty excited at that time of the year. We look at tracking your net worth and why year end / month end is a great time to think about finances. We also look at an upcoming webinar to help you think about making more money. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure yo...

How does debt end up in the system and what if it's not 'real'. How the hell does that work. We take a look at a person being out bid at an auction for a property....but then winning the auction and ending up with another $30k of debt due to the other bidders parents stepping in to help. Is that debt real or not? Hey thanks for listening! Please take some form of action from this content, don’t ju...

Dividends. Imputation credits. Withholding Tax. You name it, we break it down so that you can understand. A simple explanation of how dividends work and why you need to be aware it is income that will end up in your tax return. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keep...

Ok so we made it on Seven Sharp for 4 seconds after using the $100 gift technique we learnt about many lessons ago. We touch on the TV debut and then look to understand Dollar Cost Averaging some more when it comes to buying shares. Remember all platforms have different costs. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer!...

Ever wanted to be an influencer? What's it like? Who knows so instead we get geeky and look at something more important for you - Dollar Cost Averaging. Learn what DCA is in this episode. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly le...

A look at an amazing letter from a sporting legend who wrote to his 17 year old self about the down fall of being so giving to his family. A real tear-jerker. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial l...

Compounding. What is it and why is it so important? Often described as the eighth wonder of the world. We take a look at how we can use the magic of compounding to help us achieve goals faster. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our wee...

We are back talking Bitcoin as Elon throws $1.5bil of Tesla's funds at it. We have a look at why he might have done something like this when it is said to be so volatile. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and...

To sell of hold? This week we look at trading vs investing and ways to think about investing if you are just getting started. You don't need to get caught up in all the hype, stick to what works for you and your financial goals. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Kee...

Clue - it isn't a stock on the stock market. This investment is often overlooked by the masses but not by those who really know how to get a huge return. Check this lesson out and see what it is Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our we...

Back at it with 'double tax' and explaining that there is no such thing. Tune in for a simple reminder of how secondary tax won't destroy your second jobs wages. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financia...

Us humans love to complicate things and make them more complicated than they need to be. Like assigning value to money. How does it work and is money really the root of all evil? Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on m...

We look at an article about how highly paid CEO's should have potenitally not been paid during the tough year that COVID brought us. What good can come of hating on those who earn more than us? Time to explore. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz t...

Take action...of course. This was a lesson from a new calendar year. We talk about making a financial resolution for the new year and how taking action is so so important. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money an...

Couldn't help but wish everyone a Merry Christmas so we took the opportunity to look at being grateful and thinking about the things that we do HAVE at Christmas time rather than comparing lives to others on social media or in the neighbourhood. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to M...

Living paycheck to paycheck. How does it happen, why do so many people do it and how can we break the cycle? We take a look at the theory of saving first, not last in order to build a new habit. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our we...

Can you give $100 to a complete stranger? How would that make you feel. This is the challenge (it doesn't have to be $100) that a number of readers and listeners have taken to give back to those around them. We look at why you might want to do this. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed...

Gifts, gifts and more gifts. Do people really need them? We take a look at different practical ways to re-think Christmas time and how we approach it. 25% of Kiwis end up anxious about the amount they spent on Christmas. How can we avoid falling into the same trap? Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure yo...

Working huh. Maybe we continue to work once we get to the age that people think retirement kicks in. Today we do some math and explore what income streams we might have to spend when we are retired. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive ou...

Let's be honest we don't know when we will retire and what it will look like when we get there do we so it's hard to know exactly what we'll need. BUT todays lesson is about starting to think about retirement and how we can fund the retirement we want. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscrib...