Welcome back to Ask Ready or Not! It’s Ready or Not’s tip-based episode, landing in your ears every Friday.

This week, Loz chats with Frances Cook, financial journalist, author, and host of New Zealand’s number one business podcast, Making Sense, about practical money hacks that actually work for busy mums.

Frances breaks down how to budget through maternity leave, what the 50-30-20 rule really looks like when you’ve got kids, and the biggest financial traps new mums fall into. She shares her honest take on joint accounts, childcare costs, and why starting small with investing can be your smartest move.

Find Frances online at @francescooknz 

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You can also find us on Instagram:

@readyornot.pod

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In this episode, we cover practical money advice for mothers, financial wellbeing and advocacy, budgeting through maternity leave, how to manage childcare costs, ways to start investing with small amounts, realistic savings tips for working mums, navigating financial inequality and superannuation after kids, how to talk to your partner about money, creating long-term financial security, and building financial confidence while juggling motherhood and career.

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This podcast was recorded on the lands of the Boon Wurrung people of the Kulin Nation. The land on which we’re lucky enough to raise our sons and daughters always was and always will be Aboriginal land.

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Hosted on Acast. See acast.com/privacy for more information.