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The Happy Saver
33. A Debt Free Birthday
Nov 6

Nov 6 33. A Debt Free Birthday

Ruth
Money Journey, Personal Finance, Financial Independence, Podcast, Investing, Debt Free

MONEY JOURNEYS

Dale and Dean were ambling along just fine until Dean realised that soon he would be 50 and he became determined that he wanted to be debt free before his birthday.

32. The Ultimatum!
Oct 30

Oct 30 32. The Ultimatum!

Ruth
Money Journey, Personal Finance, Financial Independence, Podcast, Investing, Debt Free

MONEY JOURNEYS

Farrel and Chihiro are a great example of how to get two people with completely opposite money personalities on the same page. One was a spender and one was a saver and it would have remained that way unless an ultimatum was given: Either shape up or ship out!

31. Cherishing time over everything else.
Oct 23

Oct 23 31. Cherishing time over everything else.

Ruth
Money Journey, Personal Finance, Financial Independence, Podcast, Investing, Debt Free

MONEY JOURNEYS

I get a lump in my throat when I think about Tracey, her family and the journey they have been on together. Back in 1996, she had no money, she had less than no money actually, she was in debt.

30. Young investor tries it all from penny stocks to margin lending.
Apr 24

Apr 24 30. Young investor tries it all from penny stocks to margin lending.

Ruth
Money Journey, Personal Finance, Financial Independence, Podcast, Shares, Investing

MONEY JOURNEYS

Ryan started trading stocks at just 16.  Now 23 he has won and lost more than most his age, but is now settling into his investing journey and was happy to share with you and I what he learned.

29. Being curious and asking questions gets rewards.
Apr 17

Apr 17 29. Being curious and asking questions gets rewards.

Ruth
Money Journey, Personal Finance, Financial Independence, Podcast, Rental Property

MONEY JOURNEYS

Arataki is a woman who focuses on the collective and not on the individual and as she has moved through life she used some difficult experiences to not hold her back, but to drive her forward.

28. To stay on the million dollar mortgage treadmill or not?
Apr 10

Apr 10 28. To stay on the million dollar mortgage treadmill or not?

Ruth
Money Journey, Personal Finance, Financial Independence, Podcast, Rental Property

MONEY JOURNEYS

Lucas had reached a bit of a cross roads. He appeared to have what seems to be the Kiwi dream, a house and a rental property. Will Lucas stay on the treadmill that is the New Zealand housing market or will he step off?

27. Minimalists go off on an adventure!
Apr 3

Apr 3 27. Minimalists go off on an adventure!

Ruth
Money Journey, Personal Finance, Financial Independence, Podcast, Debt Free

MONEY JOURNEYS

Sandra and Paul have both saved up, whittled down their lives to an 11kg backpack each, quit their jobs and transitioned into a new life of travel, adventure and a location-independent lifestyle.

26. Single Income is No Barrier to Becoming Financially Independent
Mar 27

Mar 27 26. Single Income is No Barrier to Becoming Financially Independent

Ruth
Money Journey, Personal Finance, Financial Independence, Podcast, Debt Free, Index Funds, SmartShares

MONEY JOURNEYS

What you pay attention to gets done and Kate worked this out from an early age. There is little that will keep her from achieving her goals.

25. 1980s Yuppie Went Without to Invest Money from a Young Age
Mar 20

Mar 20 25. 1980s Yuppie Went Without to Invest Money from a Young Age

Ruth
Money Journey, Personal Finance, Financial Independence, Podcast, Debt Free, Index Funds, Shares

MONEY JOURNEYS

Tom’s story gives a fascinating look at the rocky ride of a share investor, a life well lived and a net worth that reflects that it all worked out OK in the end.

24. Four kids, a tight budget and a house build...
Jul 25

Jul 25 24. Four kids, a tight budget and a house build...

Ruth
Money Journey, Personal Finance, Financial Independence, Podcast, Debt Free, Index Funds

MONEY JOURNEYS

Alison and Tom are parents to four children under the age of four. With a house build on the cards, a tight budget and a single income, we hear how this family of six manage to not just survive but thrive.

23. Family Planning
Jul 18

Jul 18 23. Family Planning

Ruth
Money Journey, Personal Finance, Financial Independence, Investing, Podcast, Debt Free, Index Funds, Saving, Money Education

MONEY JOURNEYS

Three kids and an almost paid for house? It sounds like an impossible dream but I’m pleased to tell you it is a reality for this Wellington couple.

22. Simon Says... Live the life you want today.
Jul 11

Jul 11 22. Simon Says... Live the life you want today.

Ruth
Money Journey, Personal Finance, Financial Independence, Investing, Podcast, KiwiSaver, SuperLife, Index Funds, Saving

MONEY JOURNEYS

Simon knows where he is at financially and more importantly he knows what kind of life he wants to live today and into the future.

21. Consumer Debt Be Gone!
Jul 4

Jul 4 21. Consumer Debt Be Gone!

Ruth
Money Journey, Personal Finance, Financial Independence, Podcast, Debt Free, Saving

MONEY JOURNEYS

This married Mum of one was feeling crushed by consumer debt and was forced back to work when she would rather be at home with her daughter. Something had to change and she was the only person to make that change.

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