Keep The Change

New Zealand liquidations have hit a 15-year high, the highest since the GFC. Todays guest is lawyer Brent Norling who's receiving 160 calls a month from businesses drowning in tax debt, one of the main driving factors of these liquidations.IRD debt has exploded from $2.5 billion to $9.5 billion, with the next update likely starting with a 10. The pattern is often the same: lose money on a job, do the next job to pay for the previous one, then use IRD and creditors to fund the shortfall until it all collapses.We cover why employees get burnt when Kiwisaver deductions aren't paid, the construction domino effect when big companies fail, and why most directors never get prosecuted despite owing millions. Plus the harsh reality: if you're using IRD as your bank, you're competing unfairly until you get caught.The liquidation wave is here. Don't be next.Find Brent: Website: https://norlinglaw.co.nz/Linkedin: https://www.linkedin.com/in/brent-norling/Amy from http://Levridge.co.nz has come on as a sponsor of Keep The Change to help people with their financial planning. Stuck? Find Amy : amy@levridge.co.nz Instagram: https://www.instagram.com/amy.levridgeWebsite: https://www.levridge.co.nzGenerate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to https://www.generatewealth.co.nz/change/ to find out more.

That subject line sounds so sexy. But one of my first jobs out of uni was not so sexy. Being an auditor. Don’t you dare judge me. This meant that in my early 20s, I worked inside councils, universities, government organisations, and powerline companies reviewing payroll systems and employee records. I think this experience mattered more than I realised at the time. Because once you’ve seen the data, it becomes harder to believe the story that earning well is impossible.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/

Today we're talking about the all important subject of how where you live impacts not only your finances, but your life in general. Answering the questions of should you move somewhere cheaper to save money? Or does it make sense to live in a more expensive area to go after opportunity? Should you buy someone with a long commute, or rent somewhere without one? All of this and more in todays episode.But we want to hear from you too, whats worked for you? What have you learned? Find Mikey:https://guardiansmith.co.nz/https://instagram.com/officialmikeysmithAmy from http://Levridge.co.nz has come on as a sponsor of Keep The Change to help people with their financial planning. Stuck? Find Amy : amy@levridge.co.nz Instagram: https://www.instagram.com/amy.levridgeWebsite: https://www.levridge.co.nzGenerate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to https://www.generatewealth.co.nz/change/ to find out more.

There is no hard and fast ‘business or hobby?’ number, so let’s explore how it works. To start with, let’s keep it simple. A hobby = done for fun. Probably one off or done rarely. A business = done to make money. Consistently. However, it’s not what you call it. It’s how it looks.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/

Michelle Morfett has a cake shop, a self published cookbook, an ecommerce site, a thriving social media presence and manufactures her own baking tins. Today she breaks down how she built multiple income streams, we cover why she turned down publishers, and why diversifying income streams gives her confidence.We cover the loneliness of entrepreneurship, why she lost all shame about posting content, and how social media became essential after initially building a business without it. Sometimes the best business strategy is just backing yourself to figure it out.Find more info on Michell:Instagram: https://www.instagram.com/michellemorfett/YouTube: https://www.youtube.com/@MichelleMorfett Website: https://michellemorfett.com/Mint Cakery: https://mintcakery.com/ Amy from http://Levridge.co.nz has come on as a sponsor of Keep The Change to help people with their financial planning. Stuck? Find Amy : amy@levridge.co.nz Instagram: https://www.instagram.com/amy.levridge Website: https://www.levridge.co.nz Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to https://www.generatewealth.co.nz/change/ to find out more.

Today, I want to tell you about a new Kiwi fintech called Feijoa. But first, full transparency: after being a customer, I ended up investing in their recent funding round and am now a VERY, VERY small shareholder. So yes, you could 100% argue I’m biased. It is my first 'Fintech' investment, and I am looking forward to taking you on that journey of how that space works, where appropriate also. With that said, I’m going to give you the straight view as always, and why I kicked some of my hard-earned money in. 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/

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Create an account with Sharesies using the code 'KTC10' and they will match your first $10 deposit with an additional $10 to get you started investing: https://sharesies.com terms and conditions applyInvesting involves risk. You aren’t guaranteed to make money, and you might lose the money you start with. Any information we provide is general only and current at the time prepared. For advice we provide, see our disclosure statement. This is a paid promotion and is not financial advice.The KTC10 promotional code is offered by Sharesies Limited. Terms and conditions of this offer apply. These terms apply in addition to Sharesies General Terms and Conditions, Invest Terms and Conditions, and Privacy Policy.Find Sharesies on:Website: https://www.sharesies.nz/Instagram: @sharesiesnzFacebook: https://www.facebook.com/Sharesies/

Mike Sutherland bought a tiny brewery in Leigh with very little brewing experience. Now, Sawmill produces almost 2 million litres a year and employs 50+ people.Mike breaks down the journey from learning to brew from a textbook, competing against Lion and DB's exclusive contracts, and building the business through farmers markets and word of mouth. We cover the 1am phone call that changed everything - "the brewery is on fire" - and how they kept growing while rebuilding everything from scratch.The fire destroyed one end of the building, but Mike never considered quitting. They brewed at 15 different breweries during the rebuild and came back stronger.We cover the morning tea rule (everyone stops at 10am, no phones allowed), why they focus on bars and restaurants over supermarkets, and the B-Corp certification that proves you can run a sustainable business with a sustainable bottom line. Plus why Mike thinks New Zealand needs to keep control of its food and beverage assets instead of selling them overseas.From reluctant employee to brewery owner employing 50 people, sometimes you have to take the leap to find what you're meant to do.Find more info on Sawmill:Website: https://www.sawmillbrewery.co.nz/ Instagram: https://instagram.com/sawmillbrewery/Amy from http://Levridge.co.nz has come on as a sponsor of Keep The Change to help people with their financial planning. Stuck? Find Amy : amy@levridge.co.nz Instagram: https://www.instagram.com/amy.levridge Website: https://www.levridge.co.nz Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to https://www.generatewealth.co.nz/change/ to find out more.