Cooking The Books

OPINION:  Each week, the NZ Herald and Newstalk ZB's Cooking The Books podcast tackles a different money problem. Today, it's how to change your money habits for the better, starting today. Hosted by Frances Cook.It's so easy to ignore things that scare you. For instance, money. Most people don't like to talk about it, and now it turns out, a shocking number of us have no plan for our money. A third of us, in fact.I get the temptation to put it off. Six months ago I was part of the one in three New Zealanders who had no plan and was living only for today.While I've since had the realisation that I need to get it together, many people went the other way. The number of people with a plan actually dropped last year, according to BNZ research.I suspect many people have the same reasons I did. Retirement seems far away (it's not really), money seems hard (it doesn’t have to be), and the whole thing gets put off for another day.Another day which can turn into years.Those under 30, like me, are among the worst offen