All in Saving

When is the right time to get your child an Eftpos card?

Those of you who have read my blog for a long time have been on a journey with me as I teach my daughter, now 11 years old, about how money works. Like every parent, I’m just making it up as I go along and I’m slowly working on her education around how money and life interact. So far, I’m pleased with how things are going and the time has come for her very first bank account.

Saving Money on My Car Insurance

A few weeks ago I blogged about how much our cars ACTUALLY cost to run. Several people got in touch (thank you) and to cut straight to the point they said “you are being screwed over Ruth, you should take a look around for a new insurer”. So I did…

Exercise ON A BUDGET

What is the first thing that you give up when life starts to get busy? For me it is exercise. The next thing I tend to give up is often saving because if I’m flat out I look for the fastest way to do something and generally you pay a premium for that.

The 4% Rule

Have you ever thought “How much do I need to save for my retirement”? I certainly have. Professor’s from Trinity University in America created a study that looked into a sustainable withdrawal rate and to cut a long story short, they came up with the 4% Rule.