All tagged Debt Free

Part 6: INVESTING

Part 6: INVESTING

Ruth
Personal Finance, Podcast, PocketSmith, FI SERIES, Financial Independence

FI SERIES

Investing can be incredibly complex, but I found a way to simplify it. I used to feel overwhelmed by the options available, but now I don't. I’m hoping to help you feel the same way. The Happy Saver was born out of my search for information about what I could invest our money in. It took me years to arrive at our current strategy. I don’t want you to take so long to settle on your own strategy. We had some margin in our budget, and I was looking for something to make us money. Ultimately, I finally found good information, which I want to share today.

Part 5: DEBT FREE

Part 5: DEBT FREE

Ruth
Personal Finance, Podcast, PocketSmith, FI SERIES, Financial Independence

FI SERIES

Get out of debt, and stay out of debt. I think of debt as a phase of life that I moved through. That period has passed, and I’ve moved on. Jonny and I have been entirely debt-free since our early 30s, and I encourage you to head down the debt-free path as well. Debt has always had an ‘ick’ factor for me, a feeling I am grateful for. There has never been a day that we regretted becoming permanently debt-free. We never have to seek the bank's opinion about our financial decisions again.

67. How to Use Your Nest Egg in Retirement

67. How to Use Your Nest Egg in Retirement

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

MONEY JOURNEYS

Zoe emailed me a question, which I answered, but what got me interested was how financially assured this recently retired woman from Christchurch was as she actually begins to live off New Zealand superannuation plus the investments she has built up. The thing was, she only really started to pay attention to her pūtea (money) when she was in her late 50s, proving that it’s never too late to take control of your finances.

66. You've gotta know your numbers!

66. You've gotta know your numbers!

Ruth
Money Journey, Personal Finance, Podcast, PocketSmith, Debt Free

MONEY JOURNEYS

Senia and her small whānau moved to Ashburton, New Zealand, from Samoa back in 2010 and quietly began to take on consumer debt. Until one day, enough was enough, and some well-timed conversations about becoming debt-free coincided with her realising they were living paycheque to paycheque. This kicked off the process of paying off $70,000 in consumer debt and completely changing the future of her family.

63. Revisit with Bradie: Suffocating Mortgage Debt to Financial Independence in Six Short Years

63. Revisit with Bradie: Suffocating Mortgage Debt to Financial Independence in Six Short Years

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

MONEY JOURNEYS

This is the fourth time that I’ve interviewed Bradie for this podcast! Why do I keep coming back for more? Because I am hooked on her journey from suffocating mortgage debt to financial independence in just six short years. Each time we speak there is an exciting new development and this episode does not disappoint.

62. I retired at 39!

62. I retired at 39!

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

MONEY JOURNEYS

This week I’m sharing the story of early retiree Brendan. We’ve met in person many times now, even more so since he moved to Central Otago in late 2021 and I have always found him a relatively quiet and contemplative kind of guy. So I was delighted when he took the time (because let’s face it he has heaps) to share with me just how, at the young age of 39, you manage to have enough money that you never need to work again.

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.

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