All in Personal Finance

Credit Score. Good or Evil?

How important are credit ratings? A credit rating or a credit score is simply a rating of how well you manage DEBT. A high credit score is not a badge of honour, it's not an indicator of your net worth or your ability to earn money, it instead indicates how often you have taken on debt (and paid interest) and how well you have paid it down.

Ask Away - Your Money Questions...

Every single day I receive emails from YOU about anything and everything that is playing on your mind in regards to money and I absolutely love responding to them. This week I thought that I would just give you a snippet of the queries I get because to me they are one of the main reasons I blog, to interact with other people who are thinking about PF.

REVIEW: PocketSmith Part 2

Any time of year is a great time to finally sit down and get your financial house in order, but January in particular, is a time when many people finally do it. One of the first tips I offer people who are wanting to take control of their personal finances is to tell them that it’s crucial that you track your earning and spending, otherwise, how do you know if you are getting ahead or falling behind?

Take Control of Your Finances: PocketSmith Part 1

Personal finance is deeply personal, and everyone goes about it slightly differently but the key to those who succeed and get ahead is working out exactly where their money is. One of the first tips I offer people who email me is to track their financial activity. Only when you do this in some form or other can you make the right changes and start to understand where all of your money is going.

Applying The Barefoot Investor in NZ

The Barefoot Investor by Australian Scott Pape is an excellent book and it has been instrumental in changing the financial direction of not just Australians but also of Kiwis. Many people have asked me to work out what the Kiwi equivalents are of the providers he recommends. I’m not saying this is a conclusive list, but I’ve given it my best shot.

Taking a Mini-Retirement

I met Pete when he dropped me an email telling me he had found my podcast and “burned through both seasons”. Pete and his family have plenty of time to do this because they have currently taken a year away from New Zealand to hang out in Vietnam. In this guest blog post, Pete explains it’s extremely doable and incredibly worthwhile. Take it away Pete…

Lifestyle Property vs Lifestyle

I have fielded the question “why don’t you buy a Lifestyle Property?” more times than I can count. I actually have this cracking rural lifestyle on 900m² because I live at the end of short cul de sac in town. I could have bought a 10 acre plot on the outskirts of town but I would be stretching myself financially (and physically) to do it.