Keep The Change

One year on from setting up a little share portfolio for my nephew and its time to reinvest. Tune in to find out how far ahead he is from his initial investment and what I choose to invest into this year for him. We re-think gifts on 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...

We look at how a rental property made more than 98% Kiwis in one year and no one has even lived in it yet. Crazy right. Then we dive into the tax on this for the owner and how they might legally avoid it by borrowing against it over time. A VERY informative lesson. 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...

Labour is at an all time shortage - we don't mean the political party either, we mean the supply of people who want to work. That means you need to know how you fit into your working environment and whether you are getting paid what the market now values to be worth. Don't get caught behind. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, beco...

Sending 'those' pics...what a way to make a living. BUT people are and all power to them. You do you. We then look at the worlds latest richest person. Who are they and how are they using scalability to achieve their financial success. Find us here: @keepthechange_nz https://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

Do your peers earn the same as you? How does that happen. People often say we are the sum of the 5 people we spend the most time with. We need to be careful of the environments we spend time in and how these impact our finances. How you can use social media to surround yourself with great minds. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer,...

New Zealand has a new tax bracket. Income over $180,000 will now be taxed at 39%. In this episode we work through some examples and explain how if you have side hustle income or extra income from selling crypto/houses, you might want to be mindful of 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 subs...

Is your closed mindedness stopping you from learning? We dig into the ability to stay neutral and not be triggered by things that we may not necessarily agree with. 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 finan...

Is it the green one? In this episode we talk about 'self tax' and what that is. Paying money for things that you don't necessarily need but are happy to pay for - like the Koru lounge. 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 lesso...

Tax deductible expenses for people who spend money on counselling, health and learning...wouldn't that be great? We look at the Government budget, what it's biggest cost is and how it could be done differently one day...hopefully 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 Ke...

This week we look at some of the hidden costs when it comes to home ownership. So that we can be on the front foot and provide for those inevitable expenses that owning a home bring into our life. 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 made it...a whole year of Money Mail. When starting Money Mail, I didn't want it to be a flash in the pan so committed to a year of content before starting. We discuss how consistency can help us become better at a number of areas of our life. 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...

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...