Money Moments: Chanel Clark - Building a Career, Starting a Business & Mental Health

Wondering how you can set up your children for financial success in the future? Then this podcast episode is for you!

In this episode, we are joined by Co-Founder of SquareOne, Jovan Pavlicevic.

Jovan has a background in starting businesses and wears many hats at SquareOne - from strategic capital raising to designing the customer and employee experience.

With a background in starting businesses, he has always loved finding novel ways to fix broken things. This time, with how we can empower kids, and everyday Kiwis, to be better with money.

In this podcast episode, we chat about:

• What is SquareOne and how can it help children to be better with money
• Some practical tips in money management for kids
• When the 'right' time is to start teaching your children about money
• Why it’s important to upskill your financial knowledge so you can help your kids be better with money

Learn more about SquareOne here: https://getsquareone.app/ 

If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.

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Got questions? Get in touch: www.itsnosecret.co.nz

In today's podcast episode, we’ll be revisiting the ever-important rainy day funds; more commonly known as emergency funds! 

While emergencies are rare, it is important to have money set aside for some peace of mind. So if you're looking for some inspiration on where to get started with your emergency fund, this episode is for you!

In this podcast episode, we chat about:

• When and how you should use your emergency fund - spoiler it's not for last-minute dresses.
• How much you should set aside for your emergency fund and what factors to consider?
• The different places where you can invest your emergency funds while keeping it accessible
• How credit cards and insurance can play into how you handle your emergency spending. 

If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.

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Got questions? Get in touch: www.itsnosecret.co.nz

Today we’re back with another Money Moments episode, where we chat to real Kiwis about their experience with money.

In this episode, we’re joined by Chanel Clark, marketing extraordinaire and North Shore local. Chanel has recently transitioned from being a full-time employee to starting and running her own business AND is also looking to move overseas in the near future. 

So we have lots to talk about in today’s ep, let’s get stuck in. 

Specifically, we chat about:

• What her relationship with money was like growing up
• Why she ended up with a ~100k student loan
• Her experience navigating  her way through the marketing industry and rebounding from redundancies
• How she tripled her salary by doubling down on her marketing skills and starting a business
• What's next for her career and where she wants to go

If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.

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Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz

In today's Q&A episode, we'll be answering DM's from the gram as well as a few customer queries from Kernel.

This time, we'll be answering questions such as:

• How to invest a lump sum of money across different scenarios
• Are you better off having a nanny for your child or sending them to daycare?
• How to invest while also starting a family
• What are bonds and should I invest in them?

Do you have a burning money question you want answered? Let us know in the DM's we'd love to hear from you

If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.

SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify

Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz

In today's podcast episode, we’ll be talking about love and its costs. The cost of love sounds like it has a ‘negative connotation’ it doesn’t necessarily need to be that way. 

The reality is that costs can come with getting into, being in and/or ending a relationship with someone. So this Valentine's Day, we thought we'd do a special episode talking all about the money topics that you may face while on your relationship journey. 

In this podcast episode, we chat about:

• Why money compatibility is *super* important in a relationship
• A few things to consider when you're thinking of sharing your finances with your partner
• The different love languages that you may fall into and how that can affect your spending habits
• Some tips, tricks and conversation starters to get you thinking about how you can bring up the money chat with your partner or soon-to-be

If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.

SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify

Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz

Today we're back with another Money Moments episode, where we chat to real Kiwis about money. 

We’re back with our friend Jervis, for an update on what’s happening in his financial world, since recording an initial Money Moments ~2 years ago. 

When we spoke to Jervis last, he lived and worked in a digital marketing agency in Auckland. We spoke about several things on the podcast, ranging from how he initially got in and out of personal debt to his 30/30/30/10 budgeting approach and how his life pillars drive his happiness (incl. one finance pillar). 

Jervis is now a digital nomad who is living in Malaysia. Stopping in NZ for a quick visit, we thought we’d steal an hour of his time to hear an update on how things are doing.

In this episode, we chat about:

• What it was like working, moving and living in Singapore for work
• The costs associated with moving overseas and how much he spent
• How his values have changed over time, learning from work and travel
• Why he's tweaked a few of his spending and investing habits

...and plenty more goodness! 

If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.

SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify

Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz

In today's special podcast episode, we'll be answering many different questions that we often get in the DM's from the gram as well as a few Kernel customer questions.  

Specifically we'll be answering questions such as:

• What are the factors to consider when creating a joint account with your partner
• Should you convert all of your investments into cash when you hit 65
• Things to consider if you're concerned about job loss in the near future
• How to move your Super Annuation from Australia to New Zealand

If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.

SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify

Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz

Looking to achieve your 2024 New Year resolutions?  Then this podcast episode is for you!

We are almost in February the time New Year goals typically start to drop off. While creating audacious goals is easy,  achieving them can take much longer. In this episode, we talk about a few different factors to consider when creating a new goal and how you can make them more achievable.

Specifically, we chat about:

• Why it's important to set specific goals
• The mental impact of achieving or failing a goal 
• What a well-structured goal actually looks like
• A few tips for setting clear and achievable financial goals

If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.

SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify

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Got questions? Get in touch: www.itsnosecret.co.nz

Today we're back with another Money Moments episode, where we chat to real Kiwis about money. 

Today on the podcast, we are joined by Jamie Jermain, Co-Founder & CEO at SquareOne, NZ’s first account and card built for the next generation. 

Jamie has worked in the payment space for over 20 years, including at the likes of Visa, Mastercard, Lloyds Bank and The Warehouse Group.

Originally from London, he moved to New Zealand in 2010 and now lives in Auckland with his wife and 3 kids, who were the inspiration to build and launch SquareOne.

In this episode, Jamie shares about: 

• Why money was a taboo topic for him growing up 
• Using credit cards to fund a mortgage 
• How working in finance has shaped his approach to money (or didn't!) 
• How he tackled moving countries, financially 
• The challenges, triumphs and learnings of founding and growing a company
• His experience funding a start-up - from bootstrapping to raising capital initially, to raising additional funds
• Key advice given in the early stages of SquareOne - hiring, governance, ESOP allocations and more
• How he has needed to grow as a leader by starting a company 

If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.

SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify

Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz

In today's podcast, we're chatting about when the "right time" is to sell your investments if they're in the red (hint: there is no "right time"). 

Do you hold on and hope that it recovers its value, or do you cut your losses now and recoup what's left? We dig into this and more. 

Specifically, we discuss: 

• Why does your investment portfolio balance move in the first place? 
• Biases when investing; anchoring & the status quo bias 
• Can you expect linear investment returns?
• Questions to ask yourself when weighing up the decision to sell or not - plus a worked example with Christine's shares

If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.

SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify

Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz