Keep The Change

This is a re-release of an earlier podcast that other listeners have found very useful.Hamish Taylor from Yachties Of NZ sits down to tell us about a different way to live abroad. Hear some tales from his travels as well as HOW to get into the industry.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.

It’s hard out there and it’s going to get harder. If interest rates stay higher for longer, there will be even more people seeking assistance from their bank. Last year we saw record KiwiSaver hardship requests and this year it’s probably going to be the banks turn. I ask Mikey how things have changed for his team at GuardianSmith.co.nz and if their phone is ringing with people with mortgages asking for help. You won’t want to miss this episode!  Hosted on Acast. See acast.com/privacy for more information.

$100,000, the magical figure. Where did it come from? Perhaps I had heard the late Charlie Munger (one of the worlds great investors) who once said your first $100K is the toughest to earn — but most crucial for building wealth. “The first $100,000 is a b*tch, but you gotta do it. I don’t care what you have to do — if it means walking everywhere and not eating anything that wasn’t purchased with a coupon, find a way to get your hands on $100,000. After that, you can ease off the gas a little bit.” The above makes more sense to me now that I’ve done it. Let's 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 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.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 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.

There has been a lot of chat recently about Debt To Income ratios changing and people have been freaking out. I sit down with Mikey from GuardianSmith.co.nz to ask what the hell these are. Does it really mean it’ll be harder to buy a house? How can we prepare if we are going to buy? As always, Mikey has all the answers and we share them with you. Hosted on Acast. See acast.com/privacy for more information.

If you’re an employee, by the time you get paid there is a high chance you will have already spent a chunk of your pay. The govt take from us, then the bank, then the big corporates and then we have whats left over to play with. So why do they do this and how can we use these tactics toward achieving our 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 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.

Mikey and Luke try to unpack for you the theory that you just need to start and figure it out as you go. You have what you need to start, you become the person you need to be to achieve what it is you want to achieve. Just start!!!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.

Join us for an exciting episode with Olivia McGann (Head of Operations - NZ) from Xero as we discuss one of the softwares that changed my life as an accountant and a business owner. 2024 is a leap year so we get an extra day! Xero is empowering sole traders to take control of their financial affairs by calling the 29th of February - Sole Trader Thursday,  as the day  for completing their financial admin. To help Sole Traders confidently approach navigating their finances Xero has developed some helpful guides, tips and tricks to help individuals know where to start. Access the resources by visiting xero.com/soletraderthursday. Xero helps sole traders invoice and collect payments faster, connect their bank accounts as a bank feed, save important documents, review financial data like profitability. To celebrate this initiative, Xero is offering first-time or new customers 50% off for 3-months on any new subscription until 31 March 2024. Terms apply - go to xero.com/soletraderthursday for more information.The information in this above/ in this podcast is for general guidance only and you should seek appropriate tax, financial and legal advice as may be appropriate for your personal or business needs Hosted on Acast. See acast.com/privacy for more information.

Ever made more than your goal but not felt the satisfaction? Mikey takes us through his 3 subcategories of goals exercise and then works backwards on how to obtain them. We look at whether money is a good goal or whether there is way more to it than setting random figures as 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 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.

On 1 April 2024, inimum wage is increasing by 2%. The last minimum wage increase lower than 2% we could spot was in 2013 when it moved to $13.75 from $13.50 the year before. Does this set the standard of pay increases that employees can expect this year? Part of the flow on effect is not only the minimum wage that increases, but those earning within the increase and slightly above. Let's exploreHey 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.