In this (crowd-sourced) episode of Money Made Simple, Jennie and Liv dive into the best money tips submitted by our lovely Simplicity community! From simple mindset shifts to clever day-to-day hacks, this episode brings together the collective wisdom of everyday Kiwis navigating saving, spending and investing during a pretty tough cost-of-living environment.This episode covers: Why starting small and starting early matters (and why it’s never too late to begin) How to get clear on where your money actually goes - both emotionally and literally The pros and cons of single shares vs managed funds, and why diversification matters Smart ways to avoid lifestyle creep and use pay rises intentionally How to build a realistic emergency fund and avoid guilt around spending Why automating your money can make all the difference Community-favourite tools and educators worth checking out Resources mentioned in this episode:- Mr Money Mustache – community-recommended financial education: https://www.mrmoneymustache.com- Frances Cook – personal finance books and podcast host: https://www.francescook.co.nz- Money King NZ – investment education and reviews: https://moneykingnz.com- Sorted NZ – tools, guides and calculators: https://sorted.org.nz- MoneyHub NZ – financial guides and comparisons: https://www.moneyhub.co.nz- NZ Government FamilyBoost (childcare subsidy): https://www.ird.govt.nz/roles/in-work/familyboost- Free Financial Mentoring (via MoneyTalks): https://www.moneytalks.co.nzThis episode provides stack of practical ideas you can try today - from making your budget actually work for you, to automating your investing, and finding fresh ways to save without sacrificing joy. Getting better with money isn’t about being perfect… it’s about being consistent, curious and willing to try new things!---Please help us share the good word (and make Kiwis richer and smarter with money) - the more we grow, the more good we can do %) Don't forget to follow, subscribe and rate the podcast if you found it useful!Find us: InstagramFacebookLinkedInDisclaimer: This podcast contains personal opinions and is intended to provide educational information only. It doesn't relate to your particular financial situation or goals and is not financial advice or recommendations. Simplicity New Zealand Limited is the issuer of the Simplicity KiwiSaver scheme and investment funds. For product disclosure statements please visit Simplicity's website simplicity. kiwi.

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