Keep The Change

Bring on 2022! I’m not talking about the car you’ve been thrasing for years Luke. I am talking about the vehicle that is taking you to your eventual income and wealth. If you look at your income earner (your job, business, investments etc) as a vehicle, you can ask yourself whether this vehicle will take you to your ultimate desired destination?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.

Hey 👋🏻 these are some practical things you can use to help you achieve your goals in 2022. I’ve tested these myself and can vouch for them. I hope they help you smash 2022, Luke!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 summer, when you see kids out on the street selling lemonade, fruits etc., then stop and reward them for their work. You never know who you will inspire. I learnt a lot about business selling feiojas at my gate when flatting at university. Merry Christmas from Keep The Change!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.

As we raise incomes in NZ, something else is happening...we are getting people closer and closer to a 30% tax bracket which kicks in from $48,000 of income. We will need to educate people that this isn’t 30% tax on ALL of their income but only the income above $48,000 (see tax rates below).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.

Let's explore how we can make more money in 2022. How can we get back in control of our income when costs are creeping up on us?Check out the more money templatehttps://docs.google.com/document/d/1HP2cjvCzaf8s2YMhbfBAAZNtzs-ULww52c3P4oX3k_8/editHey 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.

The pay decrease - the increase in interest paid to the bank leading to less money left in the household for spending. Kiwis are obsessed with ‘locking in’ the best interest rate and playing the ‘will they go up or down’ game. In 2022 this means billions & billions (fair bit more than lotto) of dollars of debt will roll off their current locked in interest rates.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.

Economists at three of the four largest banks see house prices dropping in 2022. The average value of NZ homes increased by $17,227 in November. The average value is now $987,401, according to the CoreLogic House Price Index. Over the year to the end of November, the average value of New Zealand homes is up $218,388.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.

Reminder: Have you been doing your month end process? Todays bonus episode is around month end and what you should be doing to set yourself up for success. This is extremely important as we embark on the silly season as we know this can be a stressful time of year for kiwis. You can access access our "Financial Position" template through the link below: https://drive.google.com/drive/u/1/folders/1djmETm-76k4gEwb9EupQ_Hx0x4BtGT0Y?fbclid=IwAR3iv2WYHi3njfWldY4zzvPsjt-aI_w1x7FOVHS2f9iO8X6Qh77Tlgv57HcHey 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 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.

Ahh the ole term deposit. What are they? A term deposit is a type of deposit account usually held at a bank, where the money is locked up for a set period of time and returns a set interest rate. Today we are going to look at whether you can get your money out early?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.

We listen in to an interview with the finance minister Grant Robertson and try and decipher what he is talking about when it comes to inflation and our robust economy. Is there anything for us to worry about when its an issue being faced worldwide and is there anything you and I can do to protect ourselves?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.