All in Personal Finance

My Ever-Evolving List of Trusted Money Tools and Resources

My Ever-Evolving List of Trusted Money Tools and Resources

Ruth
FI Series, Hnry, Money Education, Personal Finance, PocketSmith, Sharesight

I receive daily emails from people asking me for resources and information to help them answer their money questions. I frequently share the same handy tools and resources. Today I wanted to share them all in one place. I firmly believe in sending helpful information your way and letting you explore and learn about it yourself because that way, you absorb it better and apply it directly to your situation. I know that when you educate yourself about your finances, instead of outsourcing the task to someone else, whether that be a financial advisor or a spouse, it puts you in charge, or makes you part of a team.

Investing Is Not Black and White

Investing Is Not Black and White

Ruth
ETFs, Index Funds, Investment, Money Education, Personal Finance, PocketSmith, Simplicity, Sharesies, Kids and Money, KiwiSaver

It’s standard for me to get at least one blunt email saying I’m wrong about a financial decision or purchase I’ve made on behalf of my whānau. Generally, the reasoning given will be based on one aspect, often a technical math issue, ignoring all the other points I mentioned. I used to panic that they might be right and that I might have this money stuff entirely and utterly wrong. But I no longer do. Instead, I take their comments with a grain of salt and consider that it’s probably them who are wrong. Although it takes time, often I’ll research their argument and find that they are.

Rebel Finance School 2024

Rebel Finance School 2024

Ruth
Money Education, Personal Finance

The fact that I never manage to get to the bottom of my inbox because questions about money just keep rolling in tells me that there is a considerable need in Aotearoa for some decent independent financial education and advice. Financial literacy can only come from consistent education, willingness to learn, and taking action. But finding comprehensive information about money is difficult. If you want to understand the basics, get your head in the right space, and make lasting changes to your finances, I’ve got you covered today.

Easily Track Your Net Worth

Easily Track Your Net Worth

Ruth
Money Education, PocketSmith, Personal Finance

One of the critical behaviours that financially independent Kiwis have in common is that they track their net worth monthly. I’ve “properly” tracked the net worth of my whānau since 2015. I’ve watched it grow from $650,000 to $1,400,000. Tracking my family's net worth has been the most helpful tool in determining whether all the mahi I’m putting into my family's finances is paying off. I want you to track your net worth each month, and this blog post intends to show you how. Like all of my financial behaviours, I keep things relatively basic.

A glimpse at my Inbox

A glimpse at my Inbox

Ruth
Money Education, Personal Finance

I’m often asked if I receive many emails from people who read my blog or listen to my podcast. Well, the short answer is yes. I’ve never really thought about how many I receive and send; I just know that it’s a lot and that each of them is interesting to me. Today I am sharing a few email highlights, plus a few conversations, with you so you can get a taste of the money conversations floating around Aotearoa. I won’t share names, gender or location. I instead want to share the sentiment so that others reading this can see what good stuff can happen when you decide to engage with your money.

Debt Free Questionnaire!

Debt Free Questionnaire!

Ruth
Debt, Personal Finance

For many years I’ve published the responses to my Net Worth Millionaire Questionnaire. It continues to be a well-read part of my blog. But there has been another questionnaire I’ve wanted to add for a very long time. I want to create a supportive space where people can come to share that they have successfully paid off a single debt or become completely debt free.

How to Take a Year Off and Not Starve

How to Take a Year Off and Not Starve

Ruth
Investment, Personal Finance, PocketSmith, Retirement, Saving

This week, there is intense talk about Jonny's career in our home. It has been a topic of discussion for some time now, but things are hotting up! I am encouraging him to make 2023 a “work optional” year. This blog post is not just about Jonny, though, I have a close friend contemplating the same thing, and I’ve spoken with many people of various ages and stages of life on my Phone A Friend calls who are considering a grown-up gap year too.

Happy Christmas!

Happy Christmas!

Ruth
ETFs, KiwiSaver, Personal Finance

I’m a giant jumble of competing thoughts as I sit down to write this final blog post of the year. I’m not much into the generic inspirational end of year content that gets pushed out, so instead, I’ll just keep this one real, and it’s a bit of an insight into my life during the first two weeks of December. I’ll try (and fail) to be brief.

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