Making Cents

She used to think she was “bad with money.”
Now she’s a confident, and unapologetically unconventional, investor.
In this episode of Making Cents, Sophie Hallwright, co-founder of The Curve, is ready to unpack the messy path from financial self-doubt to building real confidence with money.
Before helping thousands of women learn about investing, Sophie learned the hard way.
This conversation digs into the reality behind that shift. The trial and error, the risks, and the lessons that actually stick.
Because for many people, getting “good with money” doesn’t come from following a perfect plan. It comes from trying, failing, and figuring out what works.
In this episode:
The financial mistakes that shaped Sophie’s approach to money
Lessons from investing in shares and property
The reality of buying property with someone you met three weeks earlier
What it’s really like to start a business with a friend
Practical insights on building confidence and momentum with money

Listen to more from Sophie @thecurveplatform or anywhere you listen to podcasts.

This episode of Making Cents is proudly supported by Odoo. Go to https://www.odoo.com/r/hpl now and try it for free, for 15 days.

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This podcast was filmed & produced by Fanaticals
Video editing & content production by Lana Byrne
Audio engineering by Tash Chittock

With power prices and fuel costs climbing, Frances Cook joins the TVNZ Breakfast team to break down who solar panels and electric vehicles actually make sense for and how to run the numbers yourself.
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Audio engineering by Tash Chittock

A breakup doesn’t just end a relationship. It can blow up the entire financial plan you built together.
For many people in their 40s and 50s, that means suddenly having to make huge money decisions alone, about the house, retirement, and what rebuilding your life actually looks like from here.
In this episode of Ask the Experts, Will White from Heartland Bank is in the hot seat to help a listener facing exactly that situation.
After a 10-year relationship ends, our listener is trying to decide whether to buy their ex-partner out of the family home, sell and downsize, or walk away and start again somewhere new. The numbers are tight. The lifestyle trade-offs are real. And with retirement getting closer, the stakes feel higher than ever.
In this episode, Frances and Will cover:
The biggest financial pressure points after a breakup in your 40s or 50s
Whether buying out an ex-partner is a smart move, or a financial trap
When selling and downsizing might actually put you in a stronger position
The hidden financial risks of stretching your mortgage too far
Lifestyle trade-offs: space, pets, privacy, and quality of life
Whether getting a flatmate or AirBnB could make the numbers work
How to rebuild financial stability when retirement is closer than you planned

If you have a letter you’d like us to answer, send it through to [email protected] and you might feature on our next episode!
Follow me everywhere!
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TikTok / https://www.tiktok.com/@francescooknz

Join the Money Memo newsletter for a free weekly money tip in your inbox each week https://www.francescook.co.nz/subscribe

Become a confident sharemarket investor by signing up to the Market Memo newsletter https://www.francescook.co.nz/invest

#MakingCents #FrancesCook #MakingCentsPodcast #InvestingPodcast #MoneyPodcast #FinancialFreedom

This podcast was filmed & produced by Fanaticals
Video editing & content production by Lana Byrne
Audio engineering by Tash Chittock

You can cancel subscriptions, ditch takeaway coffee, and trim your budget… but you still have to eat. And the way most of us shop for food? It’s costing us more than it should.
In this episode of Making Cents, Frances Cook talks to Michal Garvey, founder of Foodprint, the app that’s redirected millions of dollars’ worth of surplus food from cafés and restaurants into the hands of everyday Kiwis, at a fraction of the price.
But this isn’t just about cheaper meals.
Michal shares a different way to think about food, money, and the cost of living, including the common food budgeting mistake most people don’t realise they’re making, and why it’s leaving money on the table.
We also get into the link between your grocery bill and the survival of small businesses, how much food cafés are actually throwing away each year, and what that waste is really costing them.
Not to mention, what all of this says about New Zealand’s food system, supply chains, and long-term food security?
If you want to spend less on food, eat well, and understand what’s really driving food prices, this episode is for you.
In this episode, we cover:
How to save money on food without cutting quality
The biggest food budgeting mistake most people make
How surplus food apps like Foodprint work
Why cafés throw away so much food (and what it costs them)
The link between cost of living and small business pressure
What’s really going on with food supply and security in New Zealand

This episode of Making Cents is proudly supported by Odoo. Go to https://www.odoo.com/r/hpl now and try it for free, for 15 days.

Follow me everywhere!
Facebook / https://www.facebook.com/FrancesCookNZ
Instagram / https://www.instagram.com/francescooknz
TikTok / https://www.tiktok.com/@francescooknz

Join the Money Memo newsletter for a free weekly money tip in your inbox each week https://www.francescook.co.nz/subscribe
Become a confident sharemarket investor by signing up to the Market Memo newsletter https://www.francescook.co.nz/invest

#MakingCents #FrancesCook #MakingCentsPodcast #InvestingPodcast #MoneyPodcast #FinancialFreedom

This podcast was filmed & produced by Fanaticals
Video editing & content production by Lana Byrne
Audio engineering by Tash Chittock

I spent $89,000 on solar power and an electric car… and it has a better return on investment than the sharemarket.
With electricity prices rising fast, more Kiwis are asking whether solar panels, home batteries, and electric vehicles are worth it.
So in this episode of the Making Cents podcast, I break down exactly what happened when I overhauled my home energy setup, including the real costs, the savings, and whether solar power in New Zealand actually stacks up financially.
In this episode, we cover:
The true cost of installing solar panels and a home battery in NZ
How much I’m saving on power (and why my bills are sometimes negative)
Whether solar can actually make you money, or just save it
How green loans (as low as 0–1%) can change the investment maths
Why timing your power usage matters more than selling it back to the grid
How to do this cheaper and smarter than I did

Plus, the practical realities, from power price trends to choosing the right system, avoiding common traps, and figuring out if solar is right for your home.
This isn’t a “go green” pitch. It’s a real-world breakdown of whether solar and EVs are a good financial decision, and how to make the numbers work in your favour.
If you’re trying to cut rising power costs, invest smarter, or future-proof your household expenses, this episode gives you the data and strategy to decide.

Follow me everywhere!
Facebook / https://www.facebook.com/FrancesCookNZ
Instagram / https://www.instagram.com/francescooknz
TikTok / https://www.tiktok.com/@francescooknz

Join the Money Memo newsletter for a free weekly money tip in your inbox each week https://www.francescook.co.nz/subscribe

Become a confident sharemarket investor by signing up to the Market Memo newsletter https://www.francescook.co.nz/invest

#MakingCents #FrancesCook #MakingCentsPodcast #InvestingPodcast #MoneyPodcast #FinancialFreedom

This podcast was filmed & produced by Fanaticals
Video editing & content production by Lana Byrne
Audio engineering by Tash Chittock