Whether you're earning a little or a lot, today we’re unpacking how short-term thinking and our spending habits can cost us more than we realise.

From the weekly budget trap to guilt-free online splurges, we explore the psychology behind our choices, the hidden cost of cheap goods, and how to align your money with your values.

Tune in now and take control of your financial mindset.

Important time stamps:

(00:00:50 ) Episode and guest introduction

(00:01:40 ) Short-term Budget Savings: Why people fall into the trap of buying cheaper items more often, even when it costs more in the long run.

(00:02:27 ) Quality vs. Cheap Goods: The long-term value of buying quality goods versus cheap.

(00:03:28 ) Shopping as Emotional Fulfilment: Shopping has shifted from a necessity to a form of emotional fulfilment or entertainment.

(00:04:18 ) Hidden Costs of Cheap Goods: The hidden costs of buying cheap goods beyond just the price tag.

(00:06:16 ) Disposable Product Mentality: Discussion on the mentality of disposable products and the inconvenience of returning online purchases.

(00:08:41 ) B Corp Certification: What is it and how can it help consumers make more values-aligned choices?

(00:10:06 ) Long-term Financial Planning: How you can start thinking more long-term with your money, even if you're on a tight budget.

(00:12:22 ) Keeping Up with the Joneses: The risk of lifestyle creep and wanting to keep up with others.

The Adviser Talk is available on all popular streaming platforms, including Spotify and Apple Podcasts. 

• Rory O'Neill is a Financial Adviser as well as the Director and General Manager at Stewart Group, a Hawke's Bay and Wellington-based CEFEX-certified financial planning and advisory firm. Stewart Group provides personal fiduciary services, Wealth Management, Risk Insurance & KiwiSaver solutions. 

• The information provided, or any opinions expressed in this show, are of a general nature only and should not be construed or relied on as a recommendation to invest in a financial product or class of financial products. You should seek financial advice specific to your circumstances from an Authorised Financial Adviser before making any financial decisions. A disclosure statement can be obtained free of charge by calling 0800 878 961 or visit our website, www.stewartgroup.co.nz

Hosted on Acast. See acast.com/privacy for more information.