The world of spending tracking apps is vast - but it's questionable as to whether they're even necessary. 

Personal finance coach Amanda Morrall joins to discuss creating sustainable change to your spending habits. 

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The world of spending tracking apps is vast - but it's questionable as to whether they're even necessary.&nbsp;
Personal finance coach Amanda Morrall joins to discuss creating sustainable change to your spending habits.&nbsp;
LISTEN ABOVE

Looking to make sense of your dollars? Newstalk ZB’s Smart Money delves into the deep, dark recesses of unwanted debt, traverses the highs and lows of investments and helps to ensure you money works for you.

Our industry experts give us their top tips on a wide selection of topics including mortgage rates, stock, savings, goal-setting and retirement.

Looking to make sense of your dollars? Newstalk ZB’s Smart Money delves into the deep, dark recesses of unwanted debt, traverses the highs and lows of investments and helps to ensure you money works for you. Our industry experts give us their top tips on a wide selection of topics including mortgage rates, stock, savings, goal-setting and retirement.

Looking to make sense of your dollars? Newstalk ZB’s Smart Money delves into the deep, dark recesses of unwanted debt, traverses the highs and lows of investments and helps to ensure you money works for you.

Smart Money

Amanda Morrall: Changing bad spending habits

https://api.omny.fm/orgs/7784f840-c291-422a-924b-ad9000bbad71/clips/64011f00-2e2f-4dd0-b805-b23900522ed5/transcript

From April 1st, the KiwiSaver minimum default contribution rate will move up to 3.5%. 

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From April 1st, the KiwiSaver minimum default contribution rate will move up to 3.5%.&nbsp;
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Chris Wilson: KiwiSaver changes need some tweaking

https://api.omny.fm/orgs/7784f840-c291-422a-924b-ad9000bbad71/clips/366544f2-1267-482b-8325-b40e00521d05/transcript

We've all found ourselves day dreaming about where we'd spend a big Lotto win at one point or another. 

Realistically, many of us will come into a major windfall - but it's likely to come in the form of a bonus at work, or an inheritance. 

Is it okay to buy a new car and go on holiday? Or should we invest it all? 

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We've all found ourselves day dreaming about where we'd spend a big Lotto win at one point or another.&nbsp;
Realistically, many of us will come into a major windfall - but it's likely to come in the form of a bonus at work, or an inheritance.&nbsp;
Is it okay to buy a new car and go on holiday? Or should we invest it all?&nbsp;
LISTEN ABOVE

Nick Crawford: The mistakes people make with a windfall

https://api.omny.fm/orgs/7784f840-c291-422a-924b-ad9000bbad71/clips/8e083a8d-5ffc-42c0-8032-b40700521623/transcript

Ethical investing seems to be a hot topic when it comes to choosing an investment fund or KiwiSaver provider. 

I've often heard providers boast that their fund is ethical - they avoid weapons manufacturers, focus on renewable and sustainable energy - you won't feel a possible sense of guilt around where your money is going. 

LISTEN ABOVE

Ethical investing seems to be a hot topic when it comes to choosing an investment fund or KiwiSaver provider.&nbsp;
I've often heard providers boast that their fund is ethical - they avoid weapons manufacturers, focus on renewable and sustainable energy - you won't feel a possible sense of guilt around where your money is going.&nbsp;
LISTEN ABOVE

Martin Hawes: Are you losing money on ethical investing?

https://api.omny.fm/orgs/7784f840-c291-422a-924b-ad9000bbad71/clips/8f036254-d4d6-4d42-b7fa-b4000052326c/transcript

Amanda Morrall: Changing bad spending habits

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