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Making Cents episodes
- From burnout to business launch
Clarissa Hirst, professional coach and marketing consultant, shares how a panic attack and burnout led to quitting the corporate world and launching her own business.
It’s something we’re often encouraged to do when we’re establishing our careers – work hard, take on extra projects, join networking groups and do extra with them too.
The problem is, there’s only so much of us to go around, and sometimes this can lead to you hitting the wall, and realising you can’t do it anymore.
That’s what happened to today’s guest, when she had a panic attack at one of the very events she’d been most looking forward to.
On doctor’s orders, she had to quit her job.
But as she decided on what to do next, she hatched a plan – to start a business.
Not exactly a recipe for a calm work life, you might think, as the self-employed life isn’t exactly known for being stress free.
But she had an idea for how to make it work.
Links
Follow Frances Cook on Facebook, Instagram and TikTok, or join the Money Memo newsletter for a free weekly money tip in your inbox each week.
51 min - Quick Hit: Balancing money goals, and living life
A highlight clip from the December 2nd episode, “I regret paying off my mortgage early”, with financial analyst Nick Carr.
Links
Follow Frances Cook on Facebook, Instagram and TikTok, or join the Money Memo newsletter for a free weekly money tip in your inbox each week.
7 min - Quick Hit: How to create a business that works for your lifestyle
A highlight clip from the November 4th episode, "The no BS strategy for budgeting, investment, and ditching debt", with Glen James from the Money Money Money podcast.
Links
Follow Frances Cook on Facebook, Instagram and TikTok, or join the Money Memo newsletter for a free weekly money tip in your inbox each week.
7 min - Quick Hit: How to start house sitting and travel for free
A highlight clip from the September 30th episode, "How house sitting with alpacas turned into a digital nomad dream", with Sarah Kelsey from the OneUp Project.
Links
Follow Frances Cook on Facebook, Instagram and TikTok, or join the Money Memo newsletter for a free weekly money tip in your inbox each week.
9 min - Why this family switched 'early retirement' for 'mini retirement' in a van
Kellie Dawson, financial freedom seeker and mum, shares how her family were able to quit work and hit the road in Australia, for a year of nomad life in a van.
There’s a tension when we talk about money.
Often creating financial security for the future can mean giving things up now… but life is also for living, and you could get hit by a bus tomorrow.
So how do you balance it?
By setting goals, and a strategy, but being willing to change them along the way.
That’s exactly what today’s guest did.
They wanted to create financial freedom, setting the ambitious goal to not need to work by the time they hit forty.
But then, as they had kids, and those kids started to grow up, they wanted to change those goals.
Specifically, to be able to take a year off, travel around Australia, and spend quality time with the kids before the kids were too old to want to do it anymore.
So that’s exactly what they’re going to do, with the plane tickets booked for later this year.
Has it changed the strategy? A little bit.
Links
Follow Frances Cook on Facebook, Instagram and TikTok, or join the Money Memo newsletter for a free weekly money tip in your inbox each week.
48 min - Temperature check: what’s up with the economy?
Welcome to Ask the Experts, where each week we talk to people in the industry to get the inside word on what’s happening right now, and what that means for the tactics that you should use to make the most of your money.
This week we’ve partnered up with Kiwibank, which has kindly leant us their expert MJ Vergara, senior economist, and we're talking the economy. Is it good, is it bad, and what does all of this mean for your wallet? Can you expect a pay rise in 2025, and what's going to happen with house prices?
Links
Follow Frances Cook on Facebook, Instagram and TikTok, or join the Money Memo newsletter for a free weekly money tip in your inbox each week.
18 min - The hidden psychology that helps you build wealth - and why meditating hurts your moneyDr Brad Klontz, co-author of the new book Start Thinking Rich: 21 Harsh Truths to Take You from Broke to Financial Freedom, shares how money beliefs can hold you back.Most of us have been there - you know what you should be doing with money, but you’re not doing it.Why?Well there’s a whole bunch of wiring deep in our brains that can trip us up and sabotage us.That doesn’t mean it’s all a lost cause … it means that you need to take control of your mind, before you truly take control of your money.Follow me, Frances Cook, on Facebook, Instagram and TikTok or join the Money Memo newsletter for a free weekly money tip in your inbox each week.00:00 - Introduction01:16 - Dr. Brad Klontz and His Work02:50 - The Impact of Upbringing on Financial Mindset04:46 - Locus of Control: Taking Charge of Your Financial Future10:49 - Privilege and Its Role in Financial Success13:32 - Shifting Mindsets: If They Can Do It, So Can You14:16 - The Journey to Thinking Rich18:37 - Rethinking Job Satisfaction23:50 - Understanding the Hedonic Treadmill28:45 - Finding Meaning in Work and Life33:06 - Connecting Financial Goals to Core Values36:29 - The Psychology of Spending and Wealth40:56 - Mediation and Finances42:12 - The Insecurity Behind Luxury Spending48:48 - Community and the Importance of Asking for Help51:55 - The Most Important Key Takeaway55 min
- Will a house or apartment make you more money?
Welcome to Ask the Experts, where each week we talk to people in the industry to get the inside word on what’s happening right now, and what that means for the tactics that you should use to make the most of your money.
This week I’ve partnered up with realestate.co.nz, who has kindly leant us their expert Vanessa Williams, and we’re talking about house versus apartment.
There are some key differences between these property types, and it can seriously impact your money.
Links
Follow Frances Cook on Facebook, Instagram and TikTok, or join the Money Memo newsletter for a free weekly money tip in your inbox each week.
24 min - The secret to making money doing what you love
Pepper Raccoon, artist and merch designer, shares her tactics for creating a proper living out of being an artist.
There’s a common belief that when you’re making career choices, you have to choose between doing what you love, or making money.
While that’s sometimes true, it’s doesn’t have to be true.
Even creatives, the ones most famous for becoming starving artists, can find systems to make a living without selling out to the man.
It does, however, take a strategy. After all, if it was easy, everyone would do it.
Well one such creative was nice enough to take time out of her day to walk me through exactly how she makes a good living as an artist.
Wellingtonian Pepper Raccoon has been going for seven years now, working as a fine artist who makes pins, t-shirts, and other merchandise.
It’s going so well that she’s even had to upgrade from being a sole trader, to a registered company, a big milestone.
Here’s how she makes it work.
Links
Follow Frances Cook on Facebook, Instagram and TikTok, or join the Money Memo newsletter for a free weekly money tip in your inbox each week.
1 hr 3 min - Christmas cash: How listeners are being money smart in the festive season
Frances Cook shares listener tips for being money smart over Christmas, for everything from presents, to food, and bringing in extra cash to fund it all.
Links
Follow Frances Cook on Facebook, Instagram and TikTok, or join the Money Memo newsletter for a free weekly money tip in your inbox each week.
27 min
About Making Cents
From the publisher's feed
The podcast for people who want financial freedom, without giving up their coffee.
That means it's time to make the money world make cents. Join Frances Cook, best-selling author and award-winning journalist, to talk about the proven ways to invest your way to financial independence, buy your first home, or just get your spending under control.
Every Monday we have the week's feature interview, with someone who's done something interesting with their money. From paying off a mountain of debt, or investing for financial independence, or starting a new business, these are the ordinary people making the extraordinary possible.
On Thursday we have Ask the Experts, where industry insiders answer your questions on the money world. From earning more in your career, to investing, or sticking to a budget, they'll help make money simple.
Every now and then you'll get a bonus episode too, but the fun of those is that you never know when they're coming!
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