If your personal finances were a business, would you be turning a profit, or running into debt? The new financial year (starting 1 April every year) is the perfect time to reset, audit, and plan ahead.

In this episode, we’re tackling everything from cutting unnecessary expenses and boosting income to smarter investing and setting financial goals that actually stick.

Whether you want to get out of debt, grow your wealth, or feel more in control of your money, this episode will give you the tools to build real financial momentum. A good reminder for some of you and a great starting point for others of you.

Audit your finances – Where did your money go last year?

Cut the waste – Subscription traps, unnecessary spending & better deals.

Increase your income – Pay raises, side hustles & new opportunities.

Set a winning financial plan – Budget smarter without feeling restricted.

I have a goal to help 100,000 Kiwis improve their financial literacy. Generate KiwiSaver Scheme has sponsored Keep The Change to help me reach more people and make this a reality. Cheers Generate. Head to generatekiwisaver.co.nz/change to find out more.

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Reset for the New Financial Year w Mikey Smith (GuardianSmith.co.nz)