My KiwiSaver dropped. Yours probably did too.

My KiwiSaver dropped. Yours probably did too.

Ruth
KiwiSaver

KiwiSaver Annual Member Statements were sent out recently, and I found myself having to defend KiwiSaver in the face of comments like this: “KiwiSaver is a waste of time; my balance dropped!” I’m sharing my Annual Member KiwiSaver Statement for the financial year - from 1 April 2022 to 31 March 2023. I’m moving beyond a sound bite and explaining why my balance is down. And why I’m not bothered by it. I use my statement to look at my investment and make changes if necessary. This is the point of receiving a statement!

How have YOU improved your financial situation?

How have YOU improved your financial situation?

Ruth
Index Funds, KiwiSaver, Money Education, Retirement, PocketSmith, Sharesies, ETFs, Budgeting

In my last blog post, where I was giving away a bunch of books on personal finance, I gave you two ways to enter. You could either just click enter and get on with your day, or you could take a moment to answer my wide-open question, “Tell me in 100 words or less how you have improved your financial situation”. I honestly thought most people would just enter to win the books without taking the time to write a response. Gosh, was I wrong! My inbox quickly filled up with over 260 fantastic responses, and I’m sharing all of them below. Yep, all of them.

The Happy Saver Book Giveaway!

The Happy Saver Book Giveaway!

Ruth
Reviews

The Happy Saver has just turned seven years old! That’s worth celebrating with a book giveaway. That’s also crazy. If when I published my first blog post, you had told me that seven long years later, I’d now be sitting in my purpose-built writing studio, still producing content, and that people actually read and seem even to enjoy my content, I would not have believed you. But here I am! I wish we had more to give away, as these books are the tip of the iceberg of what is available, but amongst this group are some of my absolute favourites.

We Sold Some Investments: Putting Our Version of the 4% Rule to the Test!

We Sold Some Investments: Putting Our Version of the 4% Rule to the Test!

Ruth
ETFs, Index Funds, SmartShares, Sharesies, Kernel

In early May, Jonny and I made a call; we decided to sell off a portion of our investments to supplement our lifestyle. There is no drama, and we are not doing this due to inflation or the current cost of living; the simple fact is that our journey with money continues. For those who have followed along from the beginning, you’ve seen us slowly growing our net worth in readiness for it supporting us in early retirement. We are not there yet, we still need to work for an income, but we are well underway with our early retirement plans. What has changed is that there are things we want to do now that we need money for now.

Setting Kids Up for a Strong Financial Future

Setting Kids Up for a Strong Financial Future

Ruth
Kids and Money, Money Education

This week I wanted to write about how I teach my daughter about money. And I want to give the grown-ups a wake-up call because you have the biggest influence on younger people, but you might need to take your role more seriously. If some of us had to do an NCEA course in personal finances, we would get a ‘not achieved’ grade. This means it’s hardly surprising that we don’t have the knowledge about money to hand down to those younger people in our lives, meaning that some of them go on to make a right hash of their pūtea. 

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.

Paying in advance is a far more relaxing way to travel!

Paying in advance is a far more relaxing way to travel!

Ruth
Budgeting, PocketSmith, Saving

I wanted to share the exact costs of a holiday we took in January of this year when we went to Australia and took our first-ever cruise. I went in hugely sceptical of cruising, but I absolutely loved it. We holiday differently from some: Our holiday is fully paid for before we leave. Paying in advance is a far more relaxing way to travel, indeed, the ONLY way to travel, in my opinion.

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