Mike Casey from Rewiring Aotearoa says solar can now pay off faster than many households realise, but the biggest savings come from understanding how your home actually uses energy. From gas hot water to EVs, batteries and green loans, Mike and Nadine break down what to weigh up before going electric.

Mike Casey from Rewiring Aotearoa says solar can now pay off faster than many households realise, but the biggest savings come from understanding how your home actually uses energy. From gas hot water to EVs, batteries and green loans, Mike and Nadine break down what to weigh up before going electric.

The Prosperity Project is a weekly personal finance podcast from the NZ Herald. Join host Nadine Higgins every Monday as she talks to experts from New Zealand and around the world about the biggest money issues to help you become more prosperous.  

Follow The Prosperity Project on iHeartRadio or wherever you get your podcasts. To get in touch with the podcast, email nadine.higgins@nzme.co.nz 

The Prosperity Project is a weekly personal finance podcast from the NZ Herald. Join host Nadine Higgins every Monday as she talks to experts from New Zealand and around the world about the biggest money issues to help you become more prosperous.&nbsp;&nbsp;
Follow The Prosperity Project on iHeartRadio or wherever you get your podcasts. To get in touch with the podcast, email <a href="mailto:nadine.higgins@nzme.co.nz">nadine.higgins@nzme.co.nz</a>&nbsp;

The Prosperity Project

The right way to electrify your home

What happens when you simply can’t afford to pay your debts?

FinCap financial mentor Charlotte Whitakker joins The Prosperity Project to explain the options available when debt becomes overwhelming — from negotiating with lenders and hardship applications to KiwiSaver withdrawals, debt repayment orders and bankruptcy.

Plus, why buy now, pay later can fuel a debt spiral, when you should seek help, and why getting support earlier can make all the difference.

What happens when you simply can&rsquo;t afford to pay your debts?
FinCap financial mentor Charlotte Whitakker joins The Prosperity Project to explain the options available when debt becomes overwhelming &mdash; from negotiating with lenders and hardship applications to KiwiSaver withdrawals, debt repayment orders and bankruptcy.
Plus, why buy now, pay later can fuel a debt spiral, when you should seek help, and why getting support earlier can make all the difference.

What to do when you can’t pay your debts

Buying or selling a house is a complicated and often confusing process that real estate agents are smack in the middle of, and stand to benefit from. 

So what should we share when dealing with an agent, and what should we keep close to our chest?

Barfoot & Thompson real estate agent Ryan Harding joins Nadine Higgins to explain what you need to consider as a vendor or a buyer, the things agents are obligated to disclose, whether commissions are negotiable, how to spot an inflated appraisal and which sales method could get the best result.

He also reveals why conditional buyers may need to pay more, what really happens when an auction passes in, and which buyers won't reap the rewards of a 'buyer's market.'

Buying or selling a house is a complicated and often confusing process that real estate agents are smack in the middle of, and stand to benefit from.&nbsp;
So what should we share when dealing with an agent, and what should we keep close to our chest?
Barfoot &amp; Thompson real estate agent Ryan Harding joins Nadine Higgins to explain what you need to consider as a vendor or a buyer, the things agents are obligated to disclose, whether commissions are negotiable, how to spot an inflated appraisal and which sales method could get the best result.
He also reveals why conditional buyers may need to pay more, what really happens when an auction passes in, and which buyers won't reap the rewards of a 'buyer's market.'

The mistakes buyers make in front of real estate agents

Moving into a retirement village can offer community, convenience and freedom from maintaining a family home — but the financial arrangement is very different from buying property.

Anthony Harper law firm partner Jenny Baldwin explains occupation right agreements, ongoing fees, capital gains, deferred management fees, exit delays and the potential cost of moving into aged care. Plus, what residents and their families should check before signing anything.

Moving into a retirement village can offer community, convenience and freedom from maintaining a family home &mdash; but the financial arrangement is very different from buying property.
Anthony Harper law firm partner Jenny Baldwin explains occupation right agreements, ongoing fees, capital gains, deferred management fees, exit delays and the potential cost of moving into aged care. Plus, what residents and their families should check before signing anything.

The right way to electrify your home

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