All in Sharesies

Lotto Loser / Investing Winner!

Lotto Loser / Investing Winner!

Ruth
ETFs, Index Funds, Sharesies, Sharesight, SmartShares

November is the only month that I ever buy a Lotto ticket. The reason is that when my Dad was alive, he always liked receiving a Lotto ticket on his birthday. Almost five years have passed since he died, and I’ve continued to buy a single ticket for his birthday, eagerly checking it to see if Dad had better Lotto luck in death than he did in life. Yeah, Nah. He didn’t! Imagine if, instead of buying a Lucky Dip, I began to buy a share investment instead of Lotto when my Dad died almost five years ago; how much would I have today?

The Happy Saver Christmas Gift Giveaway!

The Happy Saver Christmas Gift Giveaway!

Ruth
Index Funds, Hatch, Kernel, PocketSmith, Sharesies, Sharesight, Tertiary Scholarship

I’m delighted to tell you that Christmas is imminent! At the time of publishing this blog post, it’s just 34 days away. Yes, indeed it is. You will no doubt have noticed the headlines telling us to shop early for Christmas and stock up due to a predicted lack of supply? Therefore, I have been doing a little bit of shopping for the readers of my blog. Jonny and I have come up with a plan to give away a bunch of goodies, all of which aim to help you in your journey to financial independence.

How to Pay Cash for Tertiary Education

How to Pay Cash for Tertiary Education

Ruth
ETFs, Index Funds, Kids and Money, Money Education, Sharesies, SmartShares

This blog post results from a brief yet alarming conversation I had with a 15-year-old who has three years remaining at school before they planned to head off to university. In answer to my question, “how are you going to pay for it,” they quickly replied, “with student loans, because they are interest-free”. It was not my place to comment at the time (although in my head I was screaming to say something), but given I write a blog, I’ve created a space where I can give their response some thought. So, I will.

Are you scared of NOT buying a house?

Are you scared of NOT buying a house?

Ruth
ETFs, Index Funds, Investment, Mortgage, KiwiSaver, Hatch, Kernel, Sharesies, SmartShares

I received an email recently that brought tears to my eyes if I’m frank. It was from someone who is in despair about not being in a position to own a house in New Zealand. I wanted to create a blog post about it because the struggle that the writer is experiencing is not unique; in the same week, I received several other messages along the same lines.

What the FIF? Foreign Tax and How to Pay It

What the FIF? Foreign Tax and How to Pay It

Ruth
ETFs, Hatch, Index Funds, Investment, Kernel, KiwiSaver, Money Education, Shares, Sharesies, Sharesight, Simplicity, SmartShares, Tax

Because I like to make life difficult for myself, I thought I would write a blog post on the tax implications of using a FIF. A Foreign Investment Fund. Due to the proliferation of online investment providers like Hatch, Sharesies, InvestNow, Smartshares, Kernel, Betashares, Stake etc. I’m getting more and more emails from people who are concerned about the national and international tax implications of using these platforms.

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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