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August 10, 2025 14 mins

In Part 2 of our “Save and Spend” series, Liv and Jennie are back to talk about the fun side of money: spend spend spend! But even spending can go sideways if you’re not intentional about it (cue: Jennie's fave Want Monster). This episode explores how to spend smarter, not harder - and how investing in the right things can save you money, stress and regret down the track! This episode covers:

  • Why “buying cheap” often costs more in the long run
  • How to balance quality with affordability on everything from clothes to cookware
  • Why and how spending on yourself is the smartest investment
  • How to plan and nail big-ticket spending like upgrading your home
  • Why it’s worth spending money on professional advice for the big decisions in life

Resources mentioned in this episode:

- Sorted.org's great budgeting tool to get your spending under control

- The Sorted KiwiSaver fund finder

- MoneyHub's guide: Frugal decisions that backfire

- Sorted.org's savings calculator

- The list of independent Financial Advisers (thanks to MoneyHub!)


Whether it’s investing in your health, buying quality over quantity, or avoiding false savings, this episode encourages a more conscious approach to spending. We encourage you to look at your next purchase through a long-term lens - checking "Will this serve me in the long run?".

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Disclaimer: 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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