Keep The Change

Last week we explored the excitement that interest rates may come back down. Let's explore the things we should be thinking about when it comes to lowering interest rates, debt and mortgages? Then some potential action Items we can all think about if we have various forms of debt. Note: these are designed to get you THINKING only and are not financial advice.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 literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it. Find us here:@keepthechange_nzhttps://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

This is a re-release of an earlier podcast that other listeners have found very useful.We talk with a Keep The Change reader about their forms of debt and how they got into them. We go through some practical ways we could get back in control of this and make some suggestions of how we could do this faster. Tune in as there will be thousands of people in a similar 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’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it. Find us here:@keepthechange_nzhttps://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

So you want to quit your 9 to 5 huh? Well what are the steps to take to quit your 9 to 5? How do you do this? Well we are going to show you how to go about this because we’ve both done it and learned from the process.This will become a pillar piece of content for people to get them moving on their self employment or business journey. Before taking the leap into the unknown, get yourself set up properly and make sure these steps are covered first. This is a part 2 from 2 podcasts, the other one is ‘When To Quit Your 9 To 5’, make sure you check that out too.I believe 100,000 kiwis with better financial literacy will create a better New Zealand - and the team at Generate KiwiSaver Scheme are helping me reach this goal. Head to generatekiwisaver.co.nz/change to find out more. Hosted on Acast. See acast.com/privacy for more information.

The Reserve Bank of New Zealand look set to cut the Official Cash Rate and this has got people thinking about what it will mean for their mortgage. Mikey the mortgage messiah stops by to answer your prayers, sorry…questions. We talk break fees, re-fixes, going short, going long. It’s all happening in this podcast. Tune in to better educate yourself about what opportunities falling interest rates may mean for you.This is not financial advice and you should seek advice from a mortgage adviser or financial adviser. Hosted on Acast. See acast.com/privacy for more information.

Well, we’ve finally got some good inflation news. Inflation was 3.3% annually for the June 2024 quarter. This is the lowest it has been since June 2021. But we aren’t quite there yet. Still slightly outside the 3% target band. However, there is at least some confidence that we are heading inside it. And for a lot of people that will mean sweet, sweet interest rate cuts. The elixir we are craving to turn the economic tap back on. I don’t think that slow rate cuts (should they be slow) will be everything people think they will be because, as you’ve learned, interest rate cuts or hikes take some time to wash through the system. There is a huge lag with interest rates impacting the economy. Time for a reality check...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 literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it. Find us here:@keepthechange_nzhttps://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

This is a re-release of an earlier podcast that other listeners have found very useful.The man who broke the Internet with his savings methodology popped by to explain to us how he removed thousands of dollars of costs from his annual expenses by simply comparing the likes of his Internet, phone, power, insurance, etc and we dive into the psychology of money plus a lot more. Do not miss this one!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 literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.Find us here:@keepthechange_nz https://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

I spent most of my 20’s p!ssing up and not preparing for my future years. It seems younger people are a bit more switched on these days (thank Gard!) so you’re probably not doing that. You will be better prepared than I was. Let’s look at what you need to be thinking about when it comes to milestones in your 30’s…Emergency funds? Buying a house? Investments? No consumer debt? Career plans? Relationships? Goals? Health and wellbeing plan? A will? There is a lot to think about. In this episode, I sit down with James Blair who is a Financial Advisor and the Wealth Director from Lighthouse Financial to discuss what we should be thinking about. James helps every day Kiwi with their longer term investing plans and we discuss how some of these fundamentals are important whether we are in our 30’s or 60’s.James Blair is the Wealth Director at https://lighthousefinancial.co.nzI 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.No part of this podcast is intended as financial advice; it is intended as general information only. For more information about Generate's Schemes see their Product Disclosure Statements at generatekiwisaver.co.nz/disclosures. The issuer of the schemes is Generate Investment Management Limited. Past performance is not indicative of future performance. Hosted on Acast. See acast.com/privacy for more information.

Alli Kennedy is on a mission to help everyday Kiwis be educated on investing. She has created a board game for people to play to learn more about investing and needs your help to create the first 10,000 orders. In this podcast we discuss how Alli (22 years old) is having a crack at changing the wealth of the nation via her board game and seeking pre-orders plus companies to be involved to turn this idea into a reality.Sharenanigans, offering an introductory experience into the world of investing in shares, will be the next board game in every household. But don’t be fooled, with players competing to become the wealthiest at the table, everyone is in it for themselves.https://www.pledgeme.co.nz/projects/7946-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 literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.Find us here:@keepthechange_nzhttps://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

Recently I received an awesome message. A 12yo lad is out in his neighbourhood doing something we often talk about. Making an offer to transact. He offers to help and add value to his neighbourhood by solving problems. Wouldn’t it be nice to go back to that sort of mindset where you don’t fear as much as you do now, and you don’t care what people think about you? Let's explore how he is doing this and what we can learn and apply to our lives. 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 literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it. Find us here:@keepthechange_nzhttps://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

This is a re-release of an earlier podcast that other listeners have found very useful.Wow! This could get interesting for you. An insight into some of the comments we often see on social media and whether all of them are true or conspiracies. We dig into the world economic forum and the great reset that we all keep hearing so much about. 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 literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it. Find us here:@keepthechange_nzhttps://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.