Keep The Change

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.

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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.

New Zealand ranked last out of 11 Asia-Pacific countries for business growth for the second year in a row. And I don’t think it’s JUST because of the economy. The data suggests it’s because of who’s running it. One factor is something we are scared to talk about. Let me explain. 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/

Andrew Rooney started making drum videos as a personal library for his students. Now he's got 177,000 subscribers and makes more from YouTube than he ever did gigging.Andrew breaks down the accidental journey: from "Coffee with Rooney" Facebook lives during COVID to viral drum reaction videos that hit 3.5 million views. We cover why he gave up thousands of gigs to focus on content creation, the loneliness of building something while others have normal jobs, and how sponsors found him instead of the other way around.The video that changed everything was filmed on a Samsung S5 with terrible audio while he had a cold, sometimes imperfect action beats perfect planning.We cover the income streams most people don't know exist (AdSense, Patreon, sponsorships), why Americans are more generous with support than Kiwis, and the mindset shift from trading time for money to building an audience.Your expertise is valuable. The internet just makes it scalable.Find Andrew on YouTube: https://www.youtube.com/@AndrewRooneyDrumsAmy 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.