All in Personal Finance

78. In the process of making a Financial U-turn!

78. In the process of making a Financial U-turn!

Ruth
Money Journey, Personal Finance, Podcast, PocketSmith

MONEY JOURNEYS

Nic described herself as a 42-year-old professional who sometimes has to pinch herself at the job she has. It’s a tough demanding role in a field she loves that pays really well. Her money journey got off to a slow start, full of bad decisions but a lot of good luck and some great times. Now she finds herself in the very fortunate position of earning an above average income, which up until recently, she spent. Nic has come a long way, but the journey is not over yet, but she has a plan now, something she never had before. She has her WHY and the HOW defined. She now just requires the discipline, focus and drive to pull it all off!

75. If it’s not simple, you shouldn’t be doing it.

75. If it’s not simple, you shouldn’t be doing it.

Ruth
Money Journey, Personal Finance, Podcast, PocketSmith

MONEY JOURNEYS

This week I caught up with a couple in their mid 20’s, Richard and Jane. In 2019, they purchased a home when they were just 22 years of age and are now setting about paying it off. Buying a home so young is unusual, but having the goal from the beginning to pay it off as fast as possible is even more unusual. My first question to them was, “how did you get so smart?”

74. Interesting things happen to interesting people.

74. Interesting things happen to interesting people.

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

MONEY JOURNEYS

This week I’m sharing the story of Ayana, a woman who sure does have a zest for life. However, life keeps throwing her curve balls, and she has to keep adjusting course. She takes life by the horns, and because she is thinking clearly about money, she can embrace each new change instead of being crippled by it. I loved this conversation; I think you will too.

72. An inheritance goes a long way!

72. An inheritance goes a long way!

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

MONEY JOURNEYS

It’s what you DO with an inheritance that counts. Will chose to pay off debt and invest. His biggest financial triumph, he said, has been the fact that he took an interest in working out how to grow wealth, he took the time to educate himself, and then he actually took action. Now married and living in their own home in Auckland, this 31-year-old couple is still well on their way to financial freedom.

70. Our Money, Our Future

70. Our Money, Our Future

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

MONEY JOURNEYS

Today’s guest, 33-year-old Freya from Auckland, emailed me because she wanted me to interview more younger women who had their money sorted and also handled their families' finances. From the little she divulged in her email, I could tell that she was on track to being financially sorted, so I encouraged her to speak with me instead! I found her so inspiring to speak with and I think you will too.

69. A Financially Complicated Breakup

69. A Financially Complicated Breakup

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

MONEY JOURNEYS

Neil has come a long way in life since his move from London to New Zealand in 2005. Today he finds himself in his late 40s, a father of one, with investments both in the UK and New Zealand. But it’s not all roses, and the break up of a relationship is teaching him how to financially prepare for a settlement and let go of what's not important in life, to create space for the things that are.

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.

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