All in Saving

86. You can’t live with a lifestyle that is above your income.

86. You can’t live with a lifestyle that is above your income.

Ruth
Money Journey, Personal Finance, Podcast, PocketSmith, Saving

MONEY JOURNEYS

Helen and Scott have lived a life common to many of us, with good bits, not-so-good bits and, to a large extent, following the crowd for whom managing money is a struggle. With five tamariki between them, they have known each other a long time, yet only became a couple a few years ago. Both carry the scars and financial lessons from previous marriages, including reliance on consumer debt. Working harder was always their way out of a financial jam, but finally, they are learning to work smarter.

85. Revisit with Kiri: The Rollercoaster Continues

85. Revisit with Kiri: The Rollercoaster Continues

Ruth
Money Journey, Personal Finance, Podcast, PocketSmith, Saving

MONEY JOURNEYS

Back in September of 2021, I released episode: 60. First Home Buyers, where I detailed the rollercoaster that Kiri and her husband John had been on with their money and their life. That episode was all about the lead-up to buying a home. Today’s episode is what happened after that; it’s much less house focussed, much more life-focused, but it’s safe to say that the rollercoaster continues.

61. Revisit with Bella: I don’t want a student debt hangover!

61. Revisit with Bella: I don’t want a student debt hangover!

Ruth
Money Journey, Personal Finance, Financial Independence, Podcast, PocketSmith, Debt Free, Saving, Money Education, KiwiSaver

MONEY JOURNEYS

In today’s podcast, I’m doing a revisit with Bella from Episode 52. She shared the realities of student loan debt in New Zealand and how you can meander your way into student loan debt, but you need to fight your way out again. Bella has not been idle, smashing out $66,000 of her $85,000 debt in just 14 months. Yep, you read that right. If she can do it, so can you!

59. The evolution of a workable financial plan.

59. The evolution of a workable financial plan.

Ruth
Money Journey, Personal Finance, Financial Independence, Podcast, PocketSmith, Debt Free, Saving

MONEY JOURNEYS

I first heard from Andy when he was 29. He emailed with several questions and observations, and the bit that stuck with me most was that he was pretty keen to buy himself a car parking space as an investment. He writes for a living, so he writes a good email and through those, I got to see his thoughts evolve and the evolution of a workable financial plan.

51. Family first, live within your means, always have an emergency fund.

51. Family first, live within your means, always have an emergency fund.

Ruth
Money Journey, Personal Finance, Financial Independence, Podcast, Investing, Saving, Money Education, Index Funds, KiwiSaver, PocketSmith

MONEY JOURNEYS

Aria and her husband Dave didn’t grow up with much so once they got together they knew they didn’t want to live paycheque to paycheque. When asked what financial independence means to them they said it means “we don’t have to worry about money” and that is a sentiment that they want for everyone.

49. Everything I thought I knew about money was wrong

49. Everything I thought I knew about money was wrong

Ruth
Money Journey, Personal Finance, Financial Independence, Podcast, Investing, Saving, Money Education, Index Funds, KiwiSaver, PocketSmith

MONEY JOURNEYS

“Well this is awkward” I thought when some guy called Chris started secretly emailing me without his partner’s knowledge! Big long emails with tonnes of questions about personal finance, my favourite topic for sure! That is how I came to sit on the sidelines of the transformation of not just Chris but of his partner Rosemary’s financial life.

48. Everything is working out perfectly!

48. Everything is working out perfectly!

Ruth
Money Journey, Personal Finance, Financial Independence, Podcast, Investing, Saving, Shares, Money Education, Debt Free, Index Funds, KiwiSaver, Retirement

MONEY JOURNEYS

Jen freaked out at 49! She considered herself to be halfway through her life and had big concerns about what the other half might look like. A divorce halved her net worth and becoming a single mother introduced a whole heap of new challenges. She is now fast tracking to an early retirement at the age of 55 and is a wonderful example of showing just what a woman on a mission is capable of!

47. Matching income with expectations is the secret.

47. Matching income with expectations is the secret.

Ruth
Money Journey, Personal Finance, Financial Independence, Podcast, Investing, Saving, Shares, Money Education

MONEY JOURNEYS

Nina was homeschooled and part of her education involved investing in the share market and preparing from the age of just 13 to cover the cost of her future university degree. Now in her late 20’s and with a husband and three small children, she is feeling content with the journey ahead and that includes paying off their home and then starting to invest for the long term financial wellbeing of her and her family.

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