{"podcast":{"title":"Making Cents","slug":"making-cents-6998736","podcast_index_feed_id":6998736,"rss_url":"https://feeds.captivate.fm/makingcents/","website_url":"https://www.francescook.co.nz/making-cents","image_url":"https://artwork.captivate.fm/3f4ddd44-6a56-460b-88eb-950d815bc419/frances-cook-making-cents-podcast-art-no-acast.jpg","author":"Frances Cook","episode_count":266,"summary":"The podcast for people who want financial freedom, without giving up their coffee. That means it's time to make the money world make cents. Join Frances Cook, best-selling author and award-winning journalist, to talk about the proven ways to invest your way to financial independence, buy your first home, or just get your spending under control. Every Monday we have the week's feature interview, with someone who's done something interesting with their money. From paying off a mountain of debt, or investing for financial independence, or starting a new business, these are the ordinary people making the extraordinary possible. On Thursday we have Ask the Experts, where industry insiders answer your questions on the money world. From earning more in your career, to investing, or sticking to a budget, they'll help make money simple. Every now and then you'll get a bonus episode too, but the fun of those is that you never know when they're coming!","last_synced_at":"2026-07-03T06:17:38.971810+00:00","page_url":"https://stenobird.com/podcast/making-cents-6998736"},"episode":{"title":"What Accountants Wish You Knew About the IRD","slug":"what-accountants-wish-you-knew-about-the-ird","published_at":"2026-06-21T17:00:00+00:00","page_url":"https://stenobird.com/podcast/making-cents-6998736/what-accountants-wish-you-knew-about-the-ird","show_page_url":"https://stenobird.com/podcast/making-cents-6998736","url":"https://www.francescook.co.nz/making-cents","audio_url":"https://episodes.captivate.fm/episode/251bf8b2-5da5-474d-a5b5-4552f5da5611.mp3","summary":"Many New Zealanders are overpaying tax, missing refunds they're entitled to, and leaving money on the table, simply because the system is confusing and nobody explained the rules. In this episode of Making Cents, chartered certified accountant Baqir Hussain, founder Finex Accounting, breaks down exactly how to stop losing money to the tax system and start making it work in your favour. We talk: The single biggest mistake Kiwis make with the IRD, and how it turns small issues into massive tax debt How New Zealand's progressive tax system actually works (and why you should always take that pay rise) Surprise tax bills: the most common causes and how to avoid them What salary earners can legitimately claim back, including income protection insurance, donations, and investment costs Working for Families: who qualifies, how to backdate claims up to four years, and how one family recovered $15,000 they didn't know they were owed Home office deductions for self-employed workers and contractors Why tax threshold creep means most Kiwis are quietly paying more tax every year Whether you're a salary earner, raising a family, or running a small business, there are straightforward steps you can take right now to reduce your tax bill — legally, and simply. This episode of Making Cents is proudly supported by Odoo. Go to http://odoo.com/r/hpl now and try it for free, for 15 days. Follow me everywhere! Facebook / https://www.facebook.com/FrancesCookNZ Instagram / https://www.instagram.com/francescooknz TikTok / https://www.tiktok.com/@francescooknz Join the Money Memo newsletter for a free weekly money tip in your inbox each week https://www.francescook.co.nz/subscribe Become a confident sharemarket investor by signing up to the Market Memo newsletter https://www.francescook.co.nz/inv…","meta_description":"Many New Zealanders are overpaying tax, missing refunds they're entitled to, and leaving money on the table, simply because the system is confusing and no…","key_points":[],"chapters":[],"topics":[],"duration_seconds":2040,"processing_state":"not_requested","actions":[{"name":"request_transcript","method":"POST","url":"https://stenobird.com/v1/public/podcasts/making-cents-6998736/episodes/what-accountants-wish-you-knew-about-the-ird/transcription-requests","description":"Idempotently request low-priority transcript generation for this episode."},{"name":"read_markdown","method":"GET","url":"https://stenobird.com/podcast/making-cents-6998736/what-accountants-wish-you-knew-about-the-ird.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}