Keep The Change

A framework that successful people use to get plenty done. There is no reason why you can't copy it and use the exact same framework. If you are stuck in a rut then this is for you. There is a challenge to use this framework for something finance related too - get stuck in and get it done. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become...

Lessons from starting a business where 85% of our customers were female. Our money backgrounds are all completely different so we should expect differences in how we deal with money in our day-to-day lives. We discuss some stats and how we can get on the same page with our partners. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a prod...

Housing Boom...we look at the housing market going absolutely nuts and stop to think about whether this is something we really want ourselves? What are our goals and what do we care about? Who keeps telling us to buy houses, is it something we really 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 subs...

Bitcoin. The big B word. In this episode we look at money following attention (again) and how last week's episode tied into this. We touch on how and why this might be happen and give you a resource to listen to if you want to learn more about cryptocurrencies. 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...

The title is clickbait of course but it is somewhat true. People with large amounts of attention can influence how much money flows toward something. Think influencers? They work right? We talk about how if you can spot this, you may be able to use this to your advantage. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make...

Kiwisaver. Our first look at this big beast that is Kiwisaver. There is a lot of information online about Kiwisaver and we always suggest getting a good understanding of the basics. Kiwisaver gives us the option to take guaranteed 50% and 100% gains - we look at how. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure...

Are taxes going to go up? For people earning over $180,000 there is a new tax bracket for you. That is only 2% of income earners. We look at whether this will be enough to pay down some of the debt that we have racked up as a nation. There is no point in hating on these high-income earners either - that doesn't help us. Hey thanks for listening! Please take some form of action from this content, d...

Mental Health Awareness week. A very important week. Did you know that a very high percentage of people facing mental health challenges say that financial pressure makes their problems worse? We dive into what we can do to look after ourselves when it comes to finances and how we can look after others too. Hey thanks for listening! Please take some form of action from this content, don’t just be a...

We take a look at the traditional borrow mentality we get taught. Degree, payday to payday, phone, car, house, ring, boat. What if we borrowed someone else's methodology? Who could be looking to for advice? First, we need to identify what things we want from life and then figure out the pathway to go on. Hey thanks for listening! Please take some form of action from this content, don’t just be a c...

Cannabis this, tech that, start up this, secret insight that. It goes on and on. Everyone has a stock tip at the moment and it's hard to know who to listen to or even if it's worth it. We look at Exchange Traded Funds and how they work. Keep it simple! 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...

Yup you read that correctly. Get your hand off it. You've probably heard that a few times. It's you not touching your savings. More specifically your rainy day account that builds up to give you a level of confidence should an unexpected bill come out of nowhere. 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’...

The week I became an Uncle. Did I send my Sister a brilliant jumpsuit for my Nephew? Nope. He got a really boring gift the poor wee fella. But maybe, just maybe this could be the gift that keeps on giving. Find out what we are talking about 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 sub...

Usually, they pop right? We take a look at the level of debt in the economy and how that works. Where does it all go and where did it all come from? Financial asset prices are bubbling and it's because there is so much money in the system. In this episode, we try and break down how that works in plain English anyone can understand. Hey thanks for listening! Please take some form of action from thi...

Leverage. The big L word that isn't Love but Kiwis Love. It's how many home owners buy a second home without paying any money down. Say what? Tune in to find out how to buy a second home using your first one. Then rent it out and have the tenants repay the debt and expenses. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Ma...

A bonus episode when it gets shaky out there in the economy and on the share market. What would it be like to avoid getting scared by the emotional ups and downs of a shaky market? We find out what we can listen to, to help us learn how to handle a stock downturn. 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...

The pension. What is it and who can get it? We look at New Zealands favourite form of passive income in this episode. Is it enough to retire on? Find out when tuning in to this week's podcast. 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 week...

The ole 'back in the day' story when we bought A2 Milk shares for ten cents. Yup, ten cents. Unfortunately, we sold out early and didn't wait for them to crack $20 like others did. Find out why discipline and having an end goal is so important in this bonus 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 y...

Passive income; income that requires little to no effort to earn or maintain - sign me up! But beware, passive income streams still require a lot of hard work and effort to be put into place, lets chat about it. 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...

In this episode, we discuss ways of generating more income besides asking for a pay rise. With 1 in 3 people having a side hustle is it the best way to get ahead financially? 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 Keethechange.co.nz to receive our weekly lesson on money...

In this episode we are busting some tax myths! If you have ever turned down work because you're scared of secondary tax then this one is for you. Spoiler - there is no such thing as double tax. 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've all had that one pesky ex that just won't leave us alone (Yikes!). In this episode, we discuss making the decision to cut all ties to being broke and start making decisions that is going to serve you and get you out of your current bad financial situation. 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’r...

The month-end process shouldn't just be used by businesses! In this episode, we discuss how consistently implementing the month-end process of reviewing your assets, liabilities, and financial position will help you track your progress and get ahead financially. 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’r...

We're heading back to school to learn about tax! Unfortunately, this episode doesn't involve a lunch break. In this episode, we correct a common misconception about tax and explain how the progressive tax scale works in New Zealand works. 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 Ma...

Six figure income! The ultimate goal for many people, but only 1 in 10 kiwis actually make over $100k each year. Let's have a breakdown of what earning $100,000 could look like and discuss what mindset you should adopt regardless of the amount of income you earn. "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...

In this episode, we get a breakdown of the average kiwi income and what that could look like if you were earning that amount. Spoiler alert: It's pretty average! Would it be enough to make you happy or do you aspire to have more for yourself? Does aspiring to have more make you a greedy a$$hole? Let's chat about it. "Hey thanks for listening! Please take some form of action from this content, don’...