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Episodes from Making Cents

How A 17-Year-Old Built Four Businesses Before Finishing School

How A 17-Year-Old Built Four Businesses Before Finishing School

There’s nothing quite like starting young. But most of us don’t build a business before we can vote. Never mind several of them.Hamish Sutherland is 17 and already on his fourth business.He felt the spark to get ahead early on but turns out it’s hard to get a job when you’re eight. Rather than let…

Jul 19, 202649 min
The "Safe" Place for Your Money Is Not What You Think

The "Safe" Place for Your Money Is Not What You Think

With the OCR on the rise and inflation heading up again, Frances Cook joins the TVNZ Breakfast team to explain why the safest place for your money depends entirely on when you need it and why bank accounts are not always the answer.Follow me everywhere!Facebook /…

Jul 16, 20265 min
I Put Solar On My House. Was It Worth It? (Numbers Breakdown)

I Put Solar On My House. Was It Worth It? (Numbers Breakdown)

Free Power Forever? The Real Cost, Payback Time, and Battery Truth on Solar in NZ18 months ago, I spent $89,000 on home solar and an electric car. I told you about it, and was flooded with questions on how this could work for other people.(You can listen to the previous episode from 1 April, titled…

Jul 15, 202642 min
How to Embrace Ambition Without Burnout, with Mindset Coach Sarah Robb

How to Embrace Ambition Without Burnout, with Mindset Coach Sarah Robb

Why do so many high performers end up exhausted and burned out?Mindset coach Sarah Robb has spent years working in this area, and says that unfortunately, many of us burn ourselves out, usually trying to prove we're good enough.At 26, Sarah had lost both her parents, in difficult circumstances.What…

Jul 12, 202651 min
Make Money And Save Money Through The Secondhand Market

Make Money And Save Money Through The Secondhand Market

Frances Cook joins the TVNZ Breakfast team to talk through one of her favourite money hacks, using the second hand market to both clear out the clutter at home and score serious bargains on everything from furniture to kids clothes.Follow me everywhere!Facebook / Frances Cook - JournalistInstagram…

Jul 9, 20266 min
The Hidden Areas Of NZ Where Houses Don't Cost As Much

The Hidden Areas Of NZ Where Houses Don't Cost As Much

Are there still good property deals in New Zealand right now? Here's where to actually look.A listener wrote in with the question everyone's asking: prices are technically down, but they still feel expensive. Interest rates aren't friendly. Rents don't cover the mortgage.So is property investment…

Jul 8, 202616 min
The $2 Daily Habit That Could Be Worth $419,000 at Retirement

The $2 Daily Habit That Could Be Worth $419,000 at Retirement

There's actual behavioural science behind why we freeze up around money, and it's the same science that Mark White-Robinson has built a business around solving.Mark is the co-founder of Feijoa, an app that rounds up your everyday purchases and tips that spare change straight into your…

Jul 5, 202629 min
Jobs, Mortgages, AI Investing and Extreme Saving Hacks: Your Money News Roundup

Jobs, Mortgages, AI Investing and Extreme Saving Hacks: Your Money News Roundup

Frances Cook joins Jim Mora on RNZ Sunday Morning to cover the latest in money news, from why the job market feels so tough right now and where the work actually is, to the AI investment boom, social media spending traps and whether nicking the hotel soap counts as a financial strategy.Follow me…

Jul 2, 202618 min
The New Rules of Running a Side Hustle in New Zealand

The New Rules of Running a Side Hustle in New Zealand

Your side hustle is making real money. Now what?Because when the income is real, things are growing, you can suddenly realise the whole operation is held together with sticky tape and good intentions.Income from a job, income from side work, all of it landing in the same personal account with no…

Jul 1, 202615 min
Your Income Cheat Code: How Buying a Business Changes Everything

Your Income Cheat Code: How Buying a Business Changes Everything

There’s a wealth transfer ready to happen right now, but only if you know where to look for it.A generation of baby boomers built their businesses over decades. Now they're ready to retire. But they can't find buyers.Which means there are businesses out there right now, with existing customers,…

Jun 28, 202645 min
How to Invest for Financial Freedom - WEBINAR REPLAY

How to Invest for Financial Freedom - WEBINAR REPLAY

Financial freedom sounds great in theory, but what does it actually take to get there as a normal person?In this webinar, Frances Cook is joined by Sheppard & Ormsby chartered accountant Bronwyn Candish and EnableMe national coaching lead Katie Wesney to break down what financial freedom really…

Jun 25, 202649 min
Why "Being Normal" Is The Most Expensive Thing You Can Choose

Why "Being Normal" Is The Most Expensive Thing You Can Choose

Being weird with money is the smartest thing you can do, to get financial freedom.Most of us are following the same money playbook, and it’s not working.Around 30% of New Zealanders don't have $1,000 in savings, and over 60% couldn't cover a real emergency.Frances Cook, financial journalist and…

Jun 24, 202628 min