Keep The Change

Most young Kiwi have bought into the belief that home ownership is impossible. Yet Sarah from Guardian Smith bought her first home at 25, after selling her car and riding a mountain bike to save the last $10K of her deposit.

Sarah breaks down what's actually working for young buyers: Kiwisaver contributions, the 5% deposit first home loan scheme most people don't know exists, and the strategy of buying a home and getting mates to pay board... Covering a huge chunk of the mortgage while building equity instead of paying someone else's mortgage.

The average first home buyer age is 37. Sarah's youngest client bought at 22. The difference? A clear goal, consistent saving, and the belief that it can actually be done.

We cover why 20% deposit is a myth, how to get pre-approval ready even if you're not there yet, and the sacrifices that separate people who buy young from those who wait decades. Plus Sarah's journey from math teacher to mortgage broker.

It's still possible. You just need to know how the game actually works.

Find Sarah:
https://instagram.com/mortgagebrokersarah_

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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Sharesies have recently launched the Sharesies Debit Mastercard that earns its customers 1% Investback.That’s $1 in investments for every $100 they spentd on the card. I sat down with Scott Nixon, the General Manager of Personal for Sharesies, to ask your questions about the card.

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. Terms and conditions apply. Visit: https://sharesies.com for more information.

Investing 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: @sharesiesnz
Facebook: https://www.facebook.com/Sharesies/
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We were flying from the US to Canada for the next game and needed a Canadian visa of some sort. Didn’t know this until ole mate at the counter told me we couldn’t fly unless we could show the visa. So I did what most people do. I Googled it. Clicked one of the first links. Rookie mistake! Let me tell you about it in more detail.

Pssst...fuel your day with better nutrition (20% off first order): Radix.co.nz/KTC

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_nz
https://www.keepthechange.co.nz/
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The other Saturday morning I spent two hours helping a music teacher with ideas on how to scale his side hustle. I hope you've checked it out? Because he has exactly the same problem that people around NZ have. He has a skill and people are willing to pay for it. But his income is limited by one thing…his time. You sell your time, BUT eventually you hit a ceiling. In the 2 hour recording with Al we try break the back of scaling his side hustle up.

Pssst...fuel your day with better nutrition (20% off first order): Radix.co.nz/KTC

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_nz
https://www.keepthechange.co.nz/
Hosted on Acast. See acast.com/privacy for more information.

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_nz
https://www.keepthechange.co.nz/
Hosted on Acast. See acast.com/privacy for more information.