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The Money Memo

Get the latest tips to keep your cash under control - from investing, to paying off debt, and even getting financial freedom.

Newsletter · By Frances Cook · English · Official site

Indexed issues, last 90 days
11
Latest publication
Sep 27, 2026
Audience
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Earliest in this view
Jul 19, 2026

Latest issues

  1. Issue · Sep 27, 2026

    Everyone Wants To Change Your KiwiSaver (opens the original)

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    Welcome to Frances Cook's Money Memo, where you stay up to date with the latest tips to keep your cash under control.Hey team,It’s election season, so of course, everyone is making a play for your vote. The big one this time around? Your KiwiSaver. There’s debate about how much you should put into it, whether it should be compulsory, how much your boss should be putting in, whether there should be employer contributions that continue when you’re on parental leave, a baby bonus for kids born in N

  2. Issue · Sep 21, 2026

    If Your Job Sucks, Could You Buy A Business Instead? (opens the original)

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    Welcome to Frances Cook's Money Memo, where you stay up to date with the latest tips to keep your cash under control.Hey team,Raise your hand if you’ve had at least one “I can’t do this job anymore” moment in 2026. Ohhhh ok that’s a lot of the room. The job market’s been rough, the cost of living is high, we’re stressed, and in these situations there’s a common fantasy that pops up: could we quit, become our own boss, and maybe make even more money? I’ve talked a few times about the strategy of

  3. Issue · Sep 13, 2026

    I’ll Just Wait Until... (opens the original)

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    Welcome to Frances Cook's Money Memo, where you stay up to date with the latest tips to keep your cash under control.Hey team,Ah that beautiful time of year. Pre-election season. The multicoloured billboards have sprung up, the politicians and journalists are travelling around the country, and a solid majority of New Zealanders hold off on making any big decisions until we know what’s coming next. I think that’s a mistake. Particularly these days, the only certain thing is uncertainty. There’s a

  4. Issue · Sep 6, 2026

    The AI Boom Is Leading To A Fraud Boom (opens the original)

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    Welcome to Frances Cook's Money Memo, where you stay up to date with the latest tips to keep your cash under control.Hey team,Not to heap praise on scammers, but at least scamming used to require some level of skill. These days, any old shmuck can do it, and that’s a bit of a problem. For instance, I’m currently getting deep-faked online, with video ads of a very posh-sounding fake version of me, trying to get people to join some WhatsApp investing group. I don’t use WhatsApp. Those ads are not

  5. Issue · Aug 30, 2026

    Top 5 NZ Mortgage Myths That Are Costing You Money (opens the original)

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    Welcome to Frances Cook's Money Memo, where you stay up to date with the latest tips to keep your cash under control.Hey team,A tricky old thing in the mortgage world - it changes all the time. Which means that it’s easy to get confused on what’s possible and what’s not. Maybe you’d like to buy a first home, but feel locked out. Or you have a mortgage, and you’d like to pay it off faster, with no idea where to start. Gotcha!Time to run through some of these mortgage myths, and what the truth ACT

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