Margin Lending - Borrowing money to invest in shares.

Borrowing money to buy shares is something that I don’t hear about that often and I have only really come across a small handful of examples of it in the last couple of years of blogging. Whereas we borrow vast sums of money all day long to get into the housing market, without the word ‘risk’ ever really being used, when we borrow money to buy into securities our first instincts are concern and fear.

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…

Time in the market is your money’s best friend.

I interviewed a bloke for an upcoming episode of my podcast and he had a lot to say about investing in individual shares and why he used to buy them, but now no longer does. He took the advice of a good friend when she told him, back in the 1980s, just buy into today’s equivalent of an index fund and let time in the market be your money’s best friend. Low and behold, she was correct.

Sharesies have made a few tweaks...

Sharesies have been making a few tweaks to their system. If you already use them they will have emailed you (but if you are like me, you may not have read it) and I felt the changes are worth mentioning for those investing with them already or for those thinking about doing so. Sharesies is now “tidier” to use and I think probably less confusing for newbie investors too.

My cars cost $195 per week!

Have you given any thought to how much your car costs to run? I’m not just talking about how much petrol or diesel it uses. Until now I don’t think I had ever totalled up all of these costs specific to my vehicles. But after getting a question about cars, I decided to look into it a bit further and now its a case of “you can’t unsee what you have seen” dammit!

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.