All in Budgeting

How have YOU improved your financial situation?

How have YOU improved your financial situation?

Ruth
Index Funds, KiwiSaver, Money Education, Retirement, PocketSmith, Sharesies, ETFs, Budgeting

In my last blog post, where I was giving away a bunch of books on personal finance, I gave you two ways to enter. You could either just click enter and get on with your day, or you could take a moment to answer my wide-open question, “Tell me in 100 words or less how you have improved your financial situation”. I honestly thought most people would just enter to win the books without taking the time to write a response. Gosh, was I wrong! My inbox quickly filled up with over 260 fantastic responses, and I’m sharing all of them below. Yep, all of them.

Paying in advance is a far more relaxing way to travel!

Paying in advance is a far more relaxing way to travel!

Ruth
Budgeting, PocketSmith, Saving

I wanted to share the exact costs of a holiday we took in January of this year when we went to Australia and took our first-ever cruise. I went in hugely sceptical of cruising, but I absolutely loved it. We holiday differently from some: Our holiday is fully paid for before we leave. Paying in advance is a far more relaxing way to travel, indeed, the ONLY way to travel, in my opinion.

The Power of an Emergency Fund in a Crisis

The Power of an Emergency Fund in a Crisis

Ruth
Emergency Fund, PocketSmith, Budgeting

As I became aware of the weather event slowly unfolding in the upper North Island and, over the days that followed, the scale and breadth of the carnage it caused, it took me right back to the Canterbury Earthquakes and our experiences of coping with a natural disaster. Since the beginning of The Happy Saver, I’ve talked about Emergency Funds, and I’m not letting up. Although they are fantastic for solving minor money problems, they are even better for giving you strength when the absolute worst happens. An emergency fund comes into its own in a real crisis.

Budgeting for the first time?

Budgeting for the first time?

Ruth
Budgeting

Budgeting for the first time? Then, please let me make it as painless as possible! I regularly speak with people who are, for the first time, looking at their money correctly. Like, I mean, actually looking hard at each transaction, which is what you need to do to understand where your money is coming from and going to. For many, we get by; earning, spending, and not taking too much notice. But this “head in the sand” attitude to money will only get you so far and will keep you living week to week or month to month.

Debt won’t solve your money problems

Debt won’t solve your money problems

Ruth
Budgeting, Debt, Money Education, Mortgage

Recently the banking/lending industry changed the way they view lending applications in response to new government legislation and changes made to the Credit Contracts and Consumer Finance Act. The government’s changes are to protect borrowers, which sounds fair to me. However, my personal view is that banks also saw this as an opportunity to reset the expectations of some borrowers.

Natural spender or natural saver?

Natural spender or natural saver?

Ruth
Money Education, Budgeting

I’ve been thinking about the concept of “natural spender and natural saver” for quite some time. When people email me, they will often reference themselves as being very clearly one or the other. They have popped themselves into a category and then used that to explain their views and actions around how and why they handle their pūtea (money) the way they do. It’s never sat quite right with me, and it feels too restrictive and concrete to categorise yourself that way.

What I’ve learnt in five years of personal finance blogging.

What I’ve learnt in five years of personal finance blogging.

Ruth
ETFs, Index Funds, Hatch, Kernel, KiwiSaver, Money Education, Personal Finance, PocketSmith, Sharesies, Simplicity, SmartShares, Investment, Budgeting

To my surprise, I’ve chalked up five years of writing this blog! And I can’t quite believe it. I thought I’d blog today about what I’ve learnt, observed and what it’s like to write a blog because there is not a single day that has gone by that I’ve not emailed or spoken with someone about what I tend to refer to with my whanau and friends as ‘blog stuff’.

Begin at the Beginning: Step-by-step Path to Financial Independence

Begin at the Beginning: Step-by-step Path to Financial Independence

Ruth
Budgeting, ETFs, Index Funds, Investment, KiwiSaver, Personal Finance, Shares, Sharesies, Sharesight, Simplicity, SmartShares

Whatever it is that you are embarking on that’s always the best place to start in my opinion. The beginning. Then just follow the path, in my case, the path to financial independence and eventually not being tied to a job to earn my income. It’s a long journey but it’s one worth starting. I’m often writing emails that cover the same points over and over again, so I thought that today I’d put that information into a blog post for all of the people wondering where to start and how to string all the bits of information you have learned about money into a cohesive order.

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