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Episodes from Making Cents

You Sent Me 14 Money Questions. Here Are My Honest Answers

You Sent Me 14 Money Questions. Here Are My Honest Answers

Time for a raw, unfiltered Ask Me Anything episode of Making Cents! Financial journalist Frances Cook sits down to tackle your biggest money questions.From practical strategies to break out of feeling stuck in a cost-of-living squeeze, to whether you should pay off your mortgage or invest in…

Sep 16, 202653 min
How Ilse Wolfe Built A $20 Million Property Portfolio

How Ilse Wolfe Built A $20 Million Property Portfolio

When headlines scream about the worst property downturn in 30 years, is it time to panic - or is it the buying opportunity you’ve been waiting for?Prices are down, listings are flooding the market, and buyers have more choice than they’ve seen in years. But picking up a bargain isn’t as simple as…

Sep 13, 202632 min
I Got Deepfaked. Here's How To Spot A Scammer.

I Got Deepfaked. Here's How To Spot A Scammer.

Frances Cook joins the TVNZ Breakfast team to talk about the AI deepfake scam using her likeness to lure people into dodgy investment groups, and the red flags that can help you tell the difference between genuine financial advice and someone trying to take your money.Follow me everywhere!Facebook…

Sep 10, 20266 min
What Do You Do When Your House Is Worth Way Less Than When You Bought It?

What Do You Do When Your House Is Worth Way Less Than When You Bought It?

What do you do when your home is worth less than what you paid for it, and the layout no longer works for your family? Can you actually renovate your way out of negative equity, or does pouring six figures into an extension just dig a deeper financial hole?This week on Ask the Experts, Vanessa…

Sep 9, 202617 min
AI Is Making Mortgage Fraud Easier. Here's What Changes

AI Is Making Mortgage Fraud Easier. Here's What Changes

It seems everyone is using AI to make life quicker and easier - and apparently, fraudsters are too.From doctored bank statements and inflated income to fake paperwork that used to take serious skill to forge, AI is making mortgage and insurance fraud easier to pull off in minutes. The Financial…

Sep 6, 202638 min
The Price of Playing It Safe With Your Money

The Price of Playing It Safe With Your Money

Frances Cook breaks down low beta investing, the middle ground between hiding your money in a bank account and braving the full volatility of the share market, including the real cost of playing it safe and whether the gentler ride is actually worth it.Become a confident sharemarket investor by…

Sep 3, 20268 min
What KiwiSaver Actually Needs to Change, According to an Adviser

What KiwiSaver Actually Needs to Change, According to an Adviser

Five minutes could be enough to add hundreds of thousands of dollars more to your KiwiSaver.There are simple, low-hanging fruit changes that can mean serious money landing in your account - but simple changes cut both ways. There are costly traps to avoid, and easy tweaks to your settings that can…

Sep 2, 202618 min
Biggest Mortgage Myths: What Banks Are Actually Checking In 2026 (It's Changed)

Biggest Mortgage Myths: What Banks Are Actually Checking In 2026 (It's Changed)

What if the home buying rules you think are holding you back don't actually exist anymore?Between outdated advice, myths about needing massive deposits, and the fear of trying to buy on a single income, it is easy to assume you are locked out of the property market before you even start.The truth…

Aug 30, 202653 min
Prices Are Going Up. But Not Always for the Reason You Think

Prices Are Going Up. But Not Always for the Reason You Think

Frances Cook joins the TVNZ Breakfast team to explain excuseflation, the trend of businesses using wall to wall inflation headlines as cover to hike their own prices, and what you can actually do to fight back.Follow me everywhere!Facebook / https://www.facebook.com/FrancesCookNZInstagram /…

Aug 27, 20265 min
Why Your Money Disappears (And The Fix That Actually Works)

Why Your Money Disappears (And The Fix That Actually Works)

Is your Afterpay habit hurting your financial future and stopping you from hitting big life goals like buying your first home?Every financial decision leaves a digital footprint, and banks and mortgage lenders use that data to check your creditworthiness, spending habits, and loan affordability.…

Aug 26, 202618 min
From 0 to $1 Million And Financial Freedom - In 10 Years

From 0 to $1 Million And Financial Freedom - In 10 Years

What if financial independence is something you could build for yourself, before you even hit 40?Katie and Alan Donegan did exactly that.No lottery win, no trust fund, just a determination to live simply, stack their cash, and build a life where they didn't have to answer to anyone else.They…

Aug 23, 20261h 2m
Take the 50k or Flip for a Million?

Take the 50k or Flip for a Million?

Frances Cook joins the Seven Sharp team to unpack a coin flip experiment that reveals how Kiwis think about risk and money, and why we will happily put it all on red but get nervous about the kinds of risk that actually build wealth.Follow me everywhere!Facebook /…

Aug 20, 20266 min