PocketSmith

Personal finance is deeply personal, and everyone goes about it slightly differently but the key to those who succeed and get ahead is working out exactly where their money is. One of the first tips I offer people who email me is to track their financial activity. Only when you do this in some form or other can you make the right changes and start to understand where all of your money is going. PocketSmith is a New Zealand based business who has gone global and I am using it to help monitor my accounts and track my earnings and expenses.

GET 50% OFF

PocketSmith are offering Happy Savers 50% OFF the first two months of the Fountaion Plan!

Sharesies

Get $10 in your Sharesies wallet!

SPECIAL OFFER TO FOLLOWERS OF THE HAPPY SAVER

This company has rapidly become a New Zealand success story, it has enabled thousands of people to get involved in share investing - often for the very first time. If you would like to sign up with Sharesies, use the link below and you will get $10 in your Sharesies wallet!

When you click on the button below you will be taken to the Sharesies sign up page where you fill in your details. Sharesies track the sign up process so you DON’T need to use a promo code. Sharesies will add the $10 bonus once you sign up.

Sharesight

SAVE 4 MONTHS when you purchase an annual premium plan!

If you buy shares or index funds month after month its really hard to work out IF you are actually making money. I use Sharesight to track each of my investments because their math is far better than mine! You could also set up dummy accounts if you wanted to do some hypothetical trading if that was your thing. Love this service.

You can try Sharesight for FREE to track 10 holdings, but if you have more than 10 holdings, I have a special offer for followers of The Happy Saver. Save 4 months when you purchase an annual premium plan.

HNRY

Never think about tax again. Accountant and tax automation tool for sole traders.

Get $25 Credit

Running The Happy Saver has been made incredibly efficient thanks to Hnry. This online accountant and invoicing app not only takes care of my tax obligations, including ACC and other deductions, but also organises my income into easily accessible reports. Sending invoices is a breeze, and I can log expenses seamlessly against my income. What's great is its pay-as-you-go model, charging only 1% + GST on every $100 earned, capped at $1,500 + GST annually. Plus, high earners won't pay more than $1,500. The app's interactive nature and customer support via online chat and phone add to its appeal. Thanks to Hnry, I can focus on creating content for The Happy Saver, without getting bogged down by administrative tasks.

Sign up using my promo code RUTH192703 OR click ‘JOIN NOW’ to automatically apply the promo code to your sign-up process and get $25 credit on your Hnry account.

WISE Debit Card

Check out the Wise Debit Card for your next trip! One currency card for all your travels. No hidden fees and mid-market exchange rates mean you’re not losing money on sneaky charges. The best part? You can hold and spend multiple currencies on a single card, eliminating the need for constant currency exchange. The accompanying mobile app keeps you informed with real-time spending insights and notifications, providing a clear picture of your expenses. Plus, the card's security features, including biometric authentication and instant card locking, offer peace of mind. Click here to LEARN MORE

Paper Plus

New Zealand's largest retailer of books, stationery, magazines and cards, with 100+ stores nationwide. Paper Plus has a great range of personal finance books, free click & collect, and free delivery on orders over $60.

Hatch

Whether you are new to investing or an experienced investor, for the first time Hatch gives Kiwis easy and affordable access to the most recognisable companies in the world via the US share markets. With no minimum investment, fair and transparent fees, they are 100% Kiwi owned and operated and they let you and I invest in the most exciting and recognisable companies in the world. If you would like to support The Happy Saver and help me to continue to keep doing what I do, use my link to get started with Hatch.

Get a $10 top-up

Sign up for free now and get a $10 NZD top-up when you make an initial deposit of $100 NZD or more.

Kernel

Get a $10 top-up

New Zealand company Kernel offer a low fee, transparent and diversified investment opportunity via a range of smart index investments which give you exposure to both New Zealand and International markets. If you would like to start using Kernel, consider signing up for free using this link and get a $10 NZD top-up when you make your first deposit.

Peace of Mind

Get $10 OFF Peace of Mind

I wrote a blog post about the checklist I put together of our essential information, which whānau will use if either Jonny or myself were to become incapacitated or, god forbid, drop dead. I could find nothing in New Zealand, so I based my version on what The Barefoot Investor talks about in his book. But when I spoke to a lovely North Otago woman called Paige, she has taken this concept a whole lot further and has developed a New Zealand centric, extremely comprehensive document called Peace of Mind. She canvassed a wide range of professionals and asked what information people wish they had in times of need and has created a user-friendly folder where you can note down “everything your family needs to know for any situation - all in one place”.

At checkout use promo code:

HAPPYSAVER

to get $10 OFF your purchase of Peace of Mind.

Squarespace

When we decided to create a blog about personal finance, I asked Jonny how do we do it and he said “we need to create a website that looks great and can easily be managed and maintained” and he said we should use Squarespace. So since 2016 we have used Squarespace and it has been GREAT. If you have been thinking of creating your own website then consider using the Squarespace platform. You can sign up for a Free 14 day trial and if you like it use the code thehappysaver for 10% OFF your first subscription of a website or domain. And feel free to get in-touch if you would like to chat about our experiences using Squarespace.

To save 10% OFF your first subscription of a website or domain use promo code thehappysaver at checkout.