All in Personal Finance

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.

What I’ve learnt in five years of personal finance blogging.

What I’ve learnt in five years of personal finance blogging.

Ruth
ETFs, Index Funds, Hatch, Kernel, KiwiSaver, Money Education, Personal Finance, PocketSmith, Sharesies, Simplicity, SmartShares, Investment, Budgeting

To my surprise, I’ve chalked up five years of writing this blog! And I can’t quite believe it. I thought I’d blog today about what I’ve learnt, observed and what it’s like to write a blog because there is not a single day that has gone by that I’ve not emailed or spoken with someone about what I tend to refer to with my whanau and friends as ‘blog stuff’.

The Happy Saver Tertiary Scholarship

The Happy Saver Tertiary Scholarship

Ruth
Personal Finance, Tertiary Scholarship

At the start of 2021, Jonny and I decided that we wanted to increase our generosity and that we wanted to provide some financial support to ‘someone, somehow’. We felt that the time was right to do so and that with a bit of planning and juggling of our finances we could and should make it happen this year. So a few weeks ago we made an exciting move to start The Happy Saver Tertiary Scholarship. And before you start to wonder, no, I am not about to ask you for money! It’s quite the opposite, we are giving some of ours away.

Begin at the Beginning: Step-by-step Path to Financial Independence

Begin at the Beginning: Step-by-step Path to Financial Independence

Ruth
Budgeting, ETFs, Index Funds, Investment, KiwiSaver, Personal Finance, Shares, Sharesies, Sharesight, Simplicity, SmartShares

Whatever it is that you are embarking on that’s always the best place to start in my opinion. The beginning. Then just follow the path, in my case, the path to financial independence and eventually not being tied to a job to earn my income. It’s a long journey but it’s one worth starting. I’m often writing emails that cover the same points over and over again, so I thought that today I’d put that information into a blog post for all of the people wondering where to start and how to string all the bits of information you have learned about money into a cohesive order.

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