https://www.thehappysaver.com/blog daily 0.75 2026-07-29 https://www.thehappysaver.com/blog/letsbuygold monthly 0.5 2024-09-30 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1465554498020-LQ33V7GRAJPW80JTDSA9/image-asset.jpeg Blog - Let's Buy Gold! Me and my 150 tonne dump truck in Australia. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1465640155111-BN2Z6RQRIA8C4AK9MT0S/image-asset.png Blog - Let's Buy Gold! Krugerrand gold coin https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1465697050975-34PUC2GLKA3AIUZNKJSY/image-asset.png Blog - Let's Buy Gold! American Eagle gold coin https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1465640479302-WV0GHK76SM6WWAMS9SMG/image-asset.png Blog - Let's Buy Gold! Canadian Maple Leaf gold coin https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1465640626761-0MNRYA1OPXDMECVUUBFZ/image-asset.png Blog - Let's Buy Gold! New Zealand gold coin https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1465695746736-S98C2QPR2DS2GAQ38XRE/image-asset.jpeg Blog - Let's Buy Gold! A bag, within a bag, within a bag. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1465695976467-U89YOKVVURNVQY3MVTVD/image-asset.jpeg Blog - Let's Buy Gold! It's getting exciting now....! https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1465696454967-EKJR55MTTELQ73UQM0M4/image-asset.jpeg Blog - Let's Buy Gold! 1oz Morris and Watson Cast Fine Gold ingot (31.10 grams). Ingot dimensions (mm): 15(W) x 25(H) x 5(D) https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1465696058998-GNQ5CB9F2HJTD6Z0YEF1/image-asset.jpeg Blog - Let's Buy Gold! The gold ingot resting in my daughters 8 year old hand. Trying to make it look bigger! https://www.thehappysaver.com/blog/freemoney monthly 0.5 2026-06-07 https://www.thehappysaver.com/blog/leaving-a-perfectly-good-job monthly 0.5 2020-03-23 https://www.thehappysaver.com/blog/shoulda-woulda-coulda-been-a-property-investor monthly 0.5 2020-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1473565804323-RQS6915GE3M2307ZMXD6/image-asset.png Blog - Shoulda, Woulda, Coulda Been a Property Investor... 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The Button! https://www.thehappysaver.com/blog/buying-shares-in-27-minutes monthly 0.5 2020-03-23 https://www.thehappysaver.com/blog/the-great-credit-card-hunt monthly 0.5 2020-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1466305536135-IP28NLEZ23CM3OAVADLQ/creditcardcomparisonlist.jpg Blog - The Great Credit Card Hunt My comparison list. Click on image to enlarge. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1491097574733-XS2AH2OF2LOBH9Y3RFE2/image-asset.png Blog - The Great Credit Card Hunt The Happy Saver useful link https://www.thehappysaver.com/blog/mr-happy-savers-index-fund-update monthly 0.5 2020-03-23 https://www.thehappysaver.com/blog/so-if-i-died-tomorrow monthly 0.5 2020-03-23 https://www.thehappysaver.com/blog/shiny-object-syndrome monthly 0.5 2020-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1476406874775-I0BHB6WR72VINWOSGV7M/image-asset.jpeg Blog - Shiny Object Syndrome Just some of the phones we have used over the years. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1476349104024-5JIFRF5SV2MB3ADX9HZQ/image-asset.png Blog - Shiny Object Syndrome The Happy Saver recommendations https://www.thehappysaver.com/blog/credit-card-application-declined monthly 0.5 2020-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1491097474562-WVCY5PBSB96JOHZAEDC0/image-asset.png Blog - Credit Card Application: DECLINED The Happy Saver useful links https://www.thehappysaver.com/blog/dive-into-diversification monthly 0.5 2020-03-23 https://www.thehappysaver.com/blog/dont-panic-in-a-crisis monthly 0.5 2020-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1480824661083-H8U09IS3DK7EYPDVB7W1/image-asset.png Blog - Don’t Panic In A CRISIS! Listen to Ruth from The Happy Saver https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1478985977413-XWKGTS5MZJYLP0VIU4C7/image-asset.png Blog - Don’t Panic In A CRISIS! The Happy Saver podcast recommendations https://www.thehappysaver.com/blog/the-riskiest-investment monthly 0.5 2024-09-30 https://www.thehappysaver.com/blog/term-deposits-how-low-can-they-go monthly 0.5 2020-03-23 https://www.thehappysaver.com/blog/bank-accounts monthly 0.5 2020-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1472357146220-QR28G9W47U6DCHCL9VLU/image-asset.jpeg Blog - Bank Accounts. Yeehaa! Yes, that is the old National Bank logo hanging on my wall. I found this old sign in a second hand store. https://www.thehappysaver.com/blog/you-can-avoid-student-debt monthly 0.5 2024-09-30 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1480824008694-BE5OMDDTS6AQ4M321M40/image-asset.png Blog - You Can Avoid Student Debt Listen to Ruth from The Happy Saver https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1480205912210-TKSG57WVPTNU6CJLWUA9/image-asset.jpeg Blog - You Can Avoid Student Debt Me and my 150 tonne dump truck in Australia. https://www.thehappysaver.com/blog/now-to-the-markets monthly 0.5 2020-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1480824313985-IS6N7SU1DUE7LO5RPFWI/image-asset.png Blog - Now to the markets… Listen to Ruth from The Happy Saver https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1479591124685-LXWQ1N43POA4XG1QW1IU/image-asset.png Blog - Now to the markets… The Happy Saver podcast recommendations https://www.thehappysaver.com/blog/bonds monthly 0.5 2020-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1484447285358-WBZLZIV1B2N3VLIOGHJG/image-asset.png Blog - Bonds Listen to Ruth from The Happy Saver https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1484365087966-EELJTJHA6M1D7QX8QY7W/image-asset.png Blog - Bonds NZX debt market https://www.thehappysaver.com/blog/do-it-for-the-free-sandwiches monthly 0.5 2024-09-30 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1481406981460-LLQYVVXRZVS29T5MIOU3/image-asset.png Blog - Do it for the FREE sandwiches! 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Listen to Ruth from The Happy Saver https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1480754232030-UU1052G865PT0D29Z487/image-asset.jpeg Blog - Procrastinating Investor. That’s me! SmartShares website https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1480754411328-7UI3QBMNEQ9TRC8JS09F/image-asset.png Blog - Procrastinating Investor. That’s me! 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Listen to Ruth from The Happy Saver https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1484904715825-HXK2CNA3PWAE0AIEYP4Q/image-asset.png Blog - Bonus Bonds - The End! Not a winner https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1485048901684-EL22WA82S5RJJ3J9BIWA/image-asset.png Blog - Bonus Bonds - The End! Here is the brochure that was found with her Bonus Bonds. Top prize $10,000! 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Wall made from biscuit tins for our yet to be completed outdoor seating area. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1486762541037-ZGEGP59P33ZUX5VKOPKU/image-asset.jpeg Blog - Downsize the digs... Coffee table made from old beehive boxes. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1486763773964-9DGXBCGZO1WGBELM3OMA/image-asset.jpeg Blog - Downsize the digs... He's got it sorted... https://www.thehappysaver.com/blog/the-side-hustle monthly 0.5 2020-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1488073272694-KG5IRBMS21HCHF3TR227/image-asset.png Blog - The Side Hustle Listen to Ruth from The Happy Saver https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1488069665259-WDK23NZLN8AVYKGTD2GW/image-asset.jpeg Blog - The Side Hustle Retro wool wallpaper https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1488069688258-3F2AL27KTOH00IJ0G3AI/image-asset.jpeg Blog - The Side Hustle Chicken self watering system https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1488057829317-W4RHTT9FAR2TIJ55JE5Y/podcasts_headphones.png Blog - The Side Hustle The Happy Saver podcast recommendations https://www.thehappysaver.com/blog/money-memory-dumb-mistake monthly 0.5 2020-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1489876874247-20Y1C73UVITM5BFP8DV6/image-asset.png Blog - Money Memory - Dumb Mistake Listen to Ruth from The Happy Saver https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1489828745898-AWGKJU6CROU9KI6TI2N9/image-asset.jpeg Blog - Money Memory - Dumb Mistake The Lady of Shalott by John William Waterhouse https://www.thehappysaver.com/blog/kiwisaver-switch monthly 0.5 2020-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1488671188375-M9J0KHQFDTKIDV6BS8DI/image-asset.png Blog - KiwiSaver Switch Listen to Ruth from The Happy Saver https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1488664313131-HX4HIOWYC7HK0XRKR6LR/ANZ+Investment+iPad+Screen.png Blog - KiwiSaver Switch ANZ fund, what it is made up of and a record of contributions and Admin Fees https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1488663286591-82IKB81S89N9OT5NV6YW/laptop_contact.png Blog - KiwiSaver Switch Blog Post recommendations https://www.thehappysaver.com/blog/tracking-your-net-worth monthly 0.5 2020-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1489279113924-KWJJPDXUIE3WU5LYULKY/image-asset.png Blog - Tracking Your Net Worth Listen to Ruth from The Happy Saver https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1489344085019-QYOKRILPNWJ01ZBWVFA4/net+worth+spreadsheet.png Blog - Tracking Your Net Worth An example of what a simple Net Worth spreadsheet would look like. https://www.thehappysaver.com/blog/relationships-and-money monthly 0.5 2020-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1490431116221-VVZ8AJW6JUE5NJ9RPU5Y/image-asset.png Blog - Relationships and Money Listen to Ruth from The Happy Saver https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1490398868469-1QMYI7AUZV5ZMN8WJJUY/image-asset.jpeg Blog - Relationships and Money The Queen driving past Kilbirnie Pak N Save https://www.thehappysaver.com/blog/forestry-as-an-investment monthly 0.5 2020-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1491702321484-ON5O845RDK51MBS0UN7Z/image-asset.png Blog - Forestry as an Investment Listen to The Happy Saver https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1491649258238-H5WO47RMNYWDE62RGDKW/Greenplan+Investor+Centre.png Blog - Forestry as an Investment Screen shot from Greenplan Investor Centre of "Barkers Number 18, 1995" https://www.thehappysaver.com/blog/are-my-smartshares-working monthly 0.5 2020-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1492909329538-5KF9XUZU2HGOSM2QKV4V/image-asset.png Blog - Are my SmartShares working? 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Graph showing 12 months of share purchasing. https://www.thehappysaver.com/blog/house-building-101 monthly 0.5 2020-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1492904015699-XYUUBEEE89PJUMX0I0OQ/image-asset.png Blog - House Building 101 Listen to The Happy Saver https://www.thehappysaver.com/blog/analysis-paralysis-superlife-or-smartshares monthly 0.5 2020-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1494055876679-6JQC63UFJFL4SB5A8DL3/image-asset.png Blog - Analysis Paralysis - SuperLife or SmartShares Listen to The Happy Saver https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1494057601087-8ZB56D4D26VRYV9H2PMI/image-asset.jpeg Blog - Analysis Paralysis - SuperLife or SmartShares Comparison between SuperLife and SmartShares. Click on image to enlarge. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1493982806068-TXGW3E8MYWVXBQJ7BOEB/image-asset.jpeg Blog - Analysis Paralysis - SuperLife or SmartShares The Haskell Free Library and Opera House. The black line running left to right shows the border. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1493982890484-WGPMNSS1A1RGTZ66MVJV/image-asset.jpeg Blog - Analysis Paralysis - SuperLife or SmartShares The border line heads straight on through the building https://www.thehappysaver.com/blog/how-to-sell-your-shares monthly 0.5 2020-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1491096372451-EGOMSQSH3RZ36MCVBI6K/image-asset.png Blog - Sell, Sell, Sell - How To Sell Your Shares Listen to Ruth from The Happy Saver https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1491075819049-512W1AS4QJNX7BGJ6L6E/image-asset.png Blog - Sell, Sell, Sell - How To Sell Your Shares Link Market Services screen showing current holdings. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1491075437490-GX2IQUBTEJL7PMQ0WFYN/ANZ+Securities+1.jpg Blog - Sell, Sell, Sell - How To Sell Your Shares Filling in boxes to sell shares. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1491075454413-FCSI903P03OB56ZBXB3K/image-asset.jpeg Blog - Sell, Sell, Sell - How To Sell Your Shares Confirming new order. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1491076146236-FZNVIEW7OGG3ZPFE59GK/image-asset.png Blog - Sell, Sell, Sell - How To Sell Your Shares The Happy Saver useful links https://www.thehappysaver.com/blog/meridian-energy-dividend-pay-day monthly 0.5 2020-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1493376528729-1UPDKVBOFBH5JQVXRGIO/image-asset.png Blog - Meridian Energy Dividend Pay Day! Listen to The happy Saver https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1493282219154-DCHD0K193IR90YRHN2NB/image-asset.png Blog - Meridian Energy Dividend Pay Day! Meridian Energy's interim and special dividends for the six months ending 31 December 2016. https://www.thehappysaver.com/blog/shares-shopping-in-the-usa monthly 0.5 2020-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1494669893276-P4LIQKI6RTUH35IS395L/image-asset.png Blog - Shares Shopping in the USA Listen to The Happy Saver https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1494629755662-AIY12CIYTZMH2JDS2XDS/image-asset.png Blog - Shares Shopping in the USA SmartLarge Funds US 500. Click image to enlarge. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1494630115300-GAKW7WL5EF9PD72MPPUC/image-asset.png Blog - Shares Shopping in the USA How the fund has been performing recently. Click image to enlarge. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1494630530383-SD1QPT7ZKJ49YK96PQDY/image-asset.png Blog - Shares Shopping in the USA Select your Investment Options. Click image to enlarge. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1494630951370-SQFWMWWJYYZB4TX0DHNL/image-asset.png Blog - Shares Shopping in the USA Thank you for your US 500 application. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1494631348207-AL18NA8QLZPJ2S1UHEU3/image-asset.png Blog - Shares Shopping in the USA The Happy Saver Online Reading https://www.thehappysaver.com/blog/kiwisaver-does-not-equal-first-home-buyer-deposit monthly 0.5 2020-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1495330424260-N3810XK11BGKW5VI5EV9/image-asset.png Blog - KiwiSaver ≠ First Home Buyer Deposit Listen to The Happy Saver https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1495246129998-VWW3JXOW6H5C61NC80ZS/image-asset.jpeg Blog - KiwiSaver ≠ First Home Buyer Deposit My confused dog. https://www.thehappysaver.com/blog/becoming-an-investor monthly 0.5 2024-09-30 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1495881664910-E6ML5VE54VNE19L4HZM3/ruth_microphone_small.png Blog - Becoming an Investor* Listen to The happy Sav https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1495883718347-MAD6UC5ZC1YC0C8E4XIA/image-asset.png Blog - Becoming an Investor* Twenty Good Summers - Martin Hawes https://www.thehappysaver.com/blog/what-to-do-with-a-windfall monthly 0.5 2020-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1498264619540-5VM4EG0K5H07Q3JXW12P/image-asset.png Blog - What to do with a windfall Listen to the Happy Saver https://www.thehappysaver.com/blog/insurance monthly 0.5 2020-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1496541984566-01MIDR2RDN2TD1L8ZMNA/image-asset.png Blog - Insurance (YAWN) Listen to The Happy Saver https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1496538470914-HOZ5NS0SA1EL7U5JL8JE/image-asset.png Blog - Insurance (YAWN) My folder containing the huge amount of paperwork required to get a new house built by our insurer. Insurance claims ARE NOT paper free! https://www.thehappysaver.com/blog/one-year-of-blogging monthly 0.5 2020-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1497149051068-IVGPW7D83GF4JEMN9H2M/image-asset.png Blog - One Year of Blogging Listen to The Happy Saver https://www.thehappysaver.com/blog/maxed-out-kiwisaver monthly 0.5 2020-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1497745511990-1R422B1UM4ACDI19DBLN/image-asset.png Blog - Maxed Out KiwiSaver Listen to The Happy Saver https://www.thehappysaver.com/blog/36-months-interest-free monthly 0.5 2020-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1502578261197-83K2AEC19V196D3B9EUE/image-asset.png Blog - 36 Months Interest Free! Listen to The Happy Saver https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1502446270028-UWZ2MUNBZOK3I54PT78N/image-asset.png Blog - 36 Months Interest Free! Harvey Norman's Hot Deal https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1502446337603-VEE9CJE0RHCR3FOD19HP/image-asset.png Blog - 36 Months Interest Free! The cracking deal I found... https://www.thehappysaver.com/blog/why-save monthly 0.5 2020-05-16 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1501283576665-8ZHIYSFESGE894H7P43N/image-asset.png Blog - Why save, plot and plan for my financial future? Listen to The happy Saver https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1501303438810-R779GQPIDDE27RKLWG13/image-asset.jpeg Blog - Why save, plot and plan for my financial future? Curling on a cold Central Otago night. https://www.thehappysaver.com/blog/hairy-audacious-goal monthly 0.5 2024-09-30 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1499494900469-72V1XPKVGVOMVQLVIG8P/image-asset.png Blog - Hairy Audacious Goal Listen to The Happy Saver https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1499492080259-2GM1IOQEI7QZWLBMEGHK/image1.jpg Blog - Hairy Audacious Goal https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1499492083528-X7BSXJFSSNEE4XCIV2JE/image2.jpg Blog - Hairy Audacious Goal https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1499492413687-OGFSIUG319FMB9Q9V182/IMG_6141.JPG Blog - Hairy Audacious Goal https://www.thehappysaver.com/blog/gold-a-wild-ride monthly 0.5 2020-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1503191987742-U4VYK5V6VOC5TJYXUHI4/ruth_microphone_small.png Blog - GOLD - A wild ride! Listen to The Happy Saver https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1503103029135-VSHJBKMONW1NSOQ0M6K5/2yr+Gold+Price.png Blog - GOLD - A wild ride! Gold price showing last two years. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1503104614657-XF4IAXMD8QHO3373Q2C6/1yr+Gold+Price.png Blog - GOLD - A wild ride! Gold price over the last year. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1503105340384-LZJOV439LNLUENF3KNI3/roller+coaster.png Blog - GOLD - A wild ride! Roller coaster ride. https://www.thehappysaver.com/blog/teenagers-and-phones monthly 0.5 2020-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1500082247494-SOS7TY28YS3PV6B8ZP3C/image-asset.png Blog - Teenagers and Phones! Listen to The Happy Saver https://www.thehappysaver.com/blog/google-it monthly 0.5 2024-09-30 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1500774560952-VFDNJ2OPWJSYB41T5MNS/image-asset.png Blog - GOOGLE IT! Listen to The Happy Saver https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1500765079645-XJD33TL4KXKMS9QLQ75G/laptop.png Blog - GOOGLE IT! Useful links from The Happy Saver https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1500765180870-HY88DXYVAQ8ZIU22S8JE/image-asset.png Blog - GOOGLE IT! Podcast worth a listen https://www.thehappysaver.com/blog/help-im-lost monthly 0.5 2020-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1501988759110-68BI5MS7KY6IF7NXGJ06/image-asset.png Blog - Help! I'm lost. Listen to The Happy Saver. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1501990690935-1EGJLA8M6PCOMGZMFAT6/image-asset.png Blog - Help! I'm lost. Managed funds fee calculator from MoneySmart. Click on image to enlarge. https://www.thehappysaver.com/blog/insight-into-sharesight monthly 0.5 2020-07-26 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1498896864565-QZDEKDJRM7EDB4ZZQF5P/image-asset.png Blog - Insight into Sharesight Listen to The Happy Saver https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1498872915771-NC2CC9K1QS7LPUHOQOSM/image-asset.png Blog - Insight into Sharesight Here is a snapshot of one of my funds. https://www.thehappysaver.com/blog/smartshares-for-kids monthly 0.5 2020-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1503786603448-PP6ZQ9OB7MH1FYA3ZLU8/ruth_microphone_small.png Blog - SmartShares for Kids! Listen to The Happy Saver https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1503722534892-OKCUZKGV83WFF6G50M6Z/Cardrona.png Blog - SmartShares for Kids! View from Cardrona ski field looking towards Queenstown. https://www.thehappysaver.com/blog/cars-i-have-had-a-few monthly 0.5 2020-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1505010953478-XZKJZU38YF2RB0MZFPCF/ruth_microphone_small.png Blog - CARS - I've had a few! Listen to The Happy Saver https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1504946350414-NGSMEXFPUABQOCILG1PU/lada+samara+car.jpg Blog - CARS - I've had a few! This is what my Lada Samara looked like. Stunning! https://www.thehappysaver.com/blog/part-2-smartshares-for-kids monthly 0.5 2020-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1504400915776-6GDT3CO27LEM3V58BRMJ/ruth_microphone_small.png Blog - Part 2 - SmartShares for Kids! Listen to The Happy Saver https://www.thehappysaver.com/blog/the-happy-saver-top-10 monthly 0.5 2020-05-27 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1505275599055-SCOJVI9RAAAJILAPQ4VM/ruth_microphone_small.png Blog - The Happy Saver Top 10 Money Tips Listen to The Happy Saver https://www.thehappysaver.com/blog/explain-that-graph monthly 0.5 2020-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1506210141665-ZR56FUIG0BZ0UHQPKY93/NZX_iMac.png Blog - Explain that graph! NZX website showing Air New Zealand. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1506211673119-09TPUYYWZKLXGELYH7V6/AirNZ_NZX_HowToRead.jpg Blog - Explain that graph! https://www.thehappysaver.com/blog/progress-report-on-student-debt monthly 0.5 2020-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1506826351492-H5185APSPM30XXFIWZPR/ruth_microphone_small.png Blog - Progress Report on You Can Avoid Student Debt Listen to The Happy Saver https://www.thehappysaver.com/blog/updates-and-things-of-interest monthly 0.5 2020-03-23 https://www.thehappysaver.com/blog/is-commercial-property-investment-a-good-idea monthly 0.5 2020-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1507428167622-8GTF5CHN18LDACZSHD4H/ruth_microphone_small.png Blog - Is Commercial Property Investment a good idea? Listen to The Happy Saver https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1507421884924-XSRH7CKGQJ4HWW7C4MRX/Property+for+Industry+Limited.png Blog - Is Commercial Property Investment a good idea? Property for Industry Limited share price. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1507422302904-GX8GGZMT7KYGG6AP1014/PFI+Investors+Portfolio+Summary.png Blog - Is Commercial Property Investment a good idea? Property for Industry Limited portfolio summary. https://www.thehappysaver.com/blog/what-can-i-learn-from-retirees monthly 0.5 2020-03-23 https://www.thehappysaver.com/blog/compound-interest-magic monthly 0.5 2020-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1509221484004-TO9YEZ6JPV8HJTS29U53/ruth_microphone_small.png Blog - Compound Interest. MAGIC! Listen to The Happy Saver https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1509163288818-1ESX0DMGZ028PTWXNAQI/compound+interest+laptop.png Blog - Compound Interest. MAGIC! Case Study: Nicky and Adam compare their savings https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1509176849125-GIJTZ5095KBIPOLUBUHI/compound+interest+caculator.png Blog - Compound Interest. MAGIC! Compound Interest Calculator https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1518481845763-GF1LFUE9IU7G58HJQOON/one+cent+doubled+in+value+every+day+for+30+days.png Blog - Compound Interest. MAGIC! one cent doubled in value every day for 30 days https://www.thehappysaver.com/blog/chocolate-anyone monthly 0.5 2020-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1511045740542-OUU2GOR07OKP89AB9B8X/OCHO+Chocolate+blocks.jpg Blog - Chocolate anyone? OCHO Chocolate https://www.thehappysaver.com/blog/how-to-rock-a-good-spreadsheet monthly 0.5 2024-01-11 https://www.thehappysaver.com/blog/end-of-year-spruce-up monthly 0.5 2020-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1512171711687-UM4Q02DQW15MFZ6IM1CD/current-investments.png Blog - End of Year Spruce Up Here is a list of currents investments. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1512156636748-BRFNZ7LPTZW3FM31Z2M2/ounces-of-gold.jpg Blog - End of Year Spruce Up It's so shiny and really pretty. https://www.thehappysaver.com/blog/presence-not-presents monthly 0.5 2020-03-23 https://www.thehappysaver.com/blog/its-not-what-you-earn-its-what-you-save monthly 0.5 2020-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1516234295680-3F66E3965YUDIO8QS9UV/iPad-mr-money-mustache.png Blog - It’s not what you earn. It’s what you save! Mr Money Mustache's chart that shows you how many years you will need to work based on your current savings rate. https://www.thehappysaver.com/blog/our-year-of-taking-action monthly 0.5 2020-03-23 https://www.thehappysaver.com/blog/how-does-a-teenager-create-a-strong-financial-future monthly 0.5 2020-05-28 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1518481603283-OW2XRG9EQXP7AXNKKTM1/one-cent-doubled.png Blog - How does a teenager create a strong financial future? 1 cent doubled every single day for 30 days. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1517458787707-ZA0E1QNTZD9APMKKC74P/olivia-sample-spreadsheet.png Blog - How does a teenager create a strong financial future? Sample spreadsheet https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1517645488527-V0254G3MX5CRYRJU1BCS/difference-between-BEING-wealthy-and-APPEARING-wealthy.png Blog - How does a teenager create a strong financial future? There’s a difference between BEING wealthy and APPEARING wealthy. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1517645775130-V691Y85FD49PC3HRVEY7/olivias-different-accounts.png Blog - How does a teenager create a strong financial future? The four proposed bank accounts. Click image to enlarge. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1517628962094-GIRGYU258CH12PLIYHU2/index-funds-graph.png Blog - How does a teenager create a strong financial future? some months you will buy shares and they will be expensive and some months they will be really really cheap. https://www.thehappysaver.com/blog/mutual-fund-index-fund-etf-please-explain monthly 0.5 2024-04-01 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1518250893743-J4BFBDPF1P1XFA8Q1OS8/funds-funnel.jpg Blog - Mutual Fund, Index Fund, ETF. Please explain? Mutual Fund, Index Fund, ETF funnel. https://www.thehappysaver.com/blog/over-invested-in-my-property monthly 0.5 2020-05-28 https://www.thehappysaver.com/blog/book-review-the-simple-path-to-wealth monthly 0.5 2024-09-30 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1519461592684-FCRF8ET05AXFC65T8HRB/the-simple-path-to-wealth-book.png Blog - Book Review: The Simple Path to Wealth The Simple Path to Wealth https://www.thehappysaver.com/blog/getting-ahead-financially-subscribers-tips-and-tricks monthly 0.5 2024-09-30 https://www.thehappysaver.com/blog/offset-mortgages-really monthly 0.5 2020-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1521245100884-QBJPUWFRK7873EQABGKM/kiwibank-pay-interest-on-this-bit.png Blog - Offset Mortgages. Really? The bank's graphic of what bit you pay interest on. Make's the bit you pay interest on look smaller than it actually is. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1521245117300-MLDI93EC9V4CSNSOG7YA/pay-interest-on-this-bit.png Blog - Offset Mortgages. Really? I think this is more of a realistic graphic of the bit you will pay interest on. https://www.thehappysaver.com/blog/emergency-fund-poised-for-action monthly 0.5 2023-07-01 https://www.thehappysaver.com/blog/a-very-delicate-conversation monthly 0.5 2020-03-23 https://www.thehappysaver.com/blog/tracking-every-cent monthly 0.5 2020-05-28 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1523760552966-CDAWHANVQVSFG6F5FB6G/average-monthly-expenses.png Blog - Tracking every cent... Average monthly expenses for my family. https://www.thehappysaver.com/blog/dropping-markets-should-i-panic monthly 0.5 2024-09-30 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1524894073620-HCRKIR7H82KEH8409KMM/kiwisave-balance-graph.png Blog - Dropping markets - Should I panic? Dropping KiwiSaver balance. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1524894684863-QHFIIQKC8MUSS4Q8IB1L/simplicity-growth-graph.png Blog - Dropping markets - Should I panic? Simplicity Growth graph. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1524895579751-0LCYU1EZKTM118H9LX1A/simplicity-growth-fund.png Blog - Dropping markets - Should I panic? Simplicity Growth Fund: What does the fund invest in? https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1524895879391-M358I8PJMBW8GYWXJOV6/top-10-investments.png Blog - Dropping markets - Should I panic? Simplicity Growth Fund: Top 10 investments https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1524903274150-VKUBAB8Y794T26G11UAS/blue-waiting-for-a-walk.jpg Blog - Dropping markets - Should I panic? Blue waiting to go walkies... https://www.thehappysaver.com/blog/kiwisaver-first-aid monthly 0.5 2020-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1524296374285-WBC580OA7OMK3NVT4XEH/kiwisaver-contributions.png Blog - KiwiSaver First Aid How to make voluntary contributions https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1524296524151-WHETWDVYSQ7W2YH1V1VA/simplicity-faq.png Blog - KiwiSaver First Aid How do I make voluntary payment into my KiwiSaver account? https://www.thehappysaver.com/blog/a-million-dollar-question monthly 0.5 2020-03-23 https://www.thehappysaver.com/blog/book-review-the-barefoot-investor monthly 0.5 2025-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1527285159927-MDD9AH6XJRLR0W6XP0E1/the-barefoot-investor-scott-pape.png Blog - Book Review: The Barefoot Investor The Barefoot Investor - Scott Pape https://www.thehappysaver.com/blog/mortgage-be-gone monthly 0.5 2020-05-28 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1527845889698-PJBJBCPFLWM9CMCDFHHF/making-more-from-investments.png Blog - Mortgage be gone! Making more from investments than incurred in interest from a mortgage https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1527980693708-VZ093DA6UG45RD3CVG9I/borrowing-million-dollars.png Blog - Mortgage be gone! Borrowing and investing one million dollars https://www.thehappysaver.com/blog/the-daffodil-project monthly 0.5 2020-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1526090771941-XF3O9WRGLXDGWWJ6ZEFE/the-daffodil-project-1.jpg Blog - The Daffodil Project Daffodil bulbs all packaged up ready for selling. (click on images to enlarge) https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1526090863235-UFIBPEAPOJK6TZVSJEJQ/the-daffodil-project-2.jpg Blog - The Daffodil Project Handmade bag with information label. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1526090942753-ZYN5B2WH151TWEROI83F/the-daffodil-project-3.jpg Blog - The Daffodil Project Five bulbs for $5. https://www.thehappysaver.com/blog/sharesies monthly 0.5 2020-05-28 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1528500706727-89J4ZZXNS5YK32A6CULB/sharesies-start-investing.png Blog - SHARESIES Click on all images to enlarge. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1528449597193-7B23FWYA6U45IYDR3Q7O/sharesies-signup-page.png Blog - SHARESIES https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1528449662739-IX1PKRR2D7BK3PPHV72R/sharesies-email.png Blog - SHARESIES https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1528449695557-24FWYQQQB9SGUUHPC7J5/sharesies-welcome.png Blog - SHARESIES https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1528449812829-GBL39CNV1QANT4F69UKG/sharesies-listing-details.png Blog - SHARESIES https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1528450574394-V705ZVJ5BN0YEWT3OU6A/NZ-property-fund-top-10.png Blog - SHARESIES These are the holdings that make up the New Zealand Property Fund (NPF) Source: SmartShares https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1528450707645-AEDP0F34XHYE9MMNW6TR/sharesies-gifts.png Blog - SHARESIES https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1528504707296-3XSC91ZC3HY0NVIGX5PF/sharesies-money-has-arrived.png Blog - SHARESIES https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1528451213969-FU4TS4SAR4T9FPX8HKD7/sharesies-diversity-of-funds.png Blog - SHARESIES https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1528451252502-XL8BHPFFXG402DXP13CP/sharesies-checkout.png Blog - SHARESIES https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1528451514278-5F16E1DZHF2DVCIFPFBV/sharesies-medium-risk.png Blog - SHARESIES https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1528451580602-ZI55ZEF7QJCXWDUXXDPP/sharesies-portfolio-detail.png Blog - SHARESIES https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1528452416895-VDT9GZLLRJ83DWQC5HPE/sharesies-fees.png Blog - SHARESIES https://www.thehappysaver.com/blog/kiwisaver-for-kids-is-this-the-best-investment-tool monthly 0.5 2020-03-23 https://www.thehappysaver.com/blog/kiwisaver-fee-performance-comparison monthly 0.5 2020-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1530401292457-FL8BFIJTT1XKL2D75URN/kiwisaver-schemes-comparison.jpg Blog - KiwiSaver Fee and Performance Comparison KiwiSaver schemes comparison - Click on image to enlarge https://www.thehappysaver.com/blog/the-4-percent-rule monthly 0.5 2025-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1529637434797-QU056H0X4R7CYR5ITDRI/every-dollar-budget.png Blog - The 4% Rule Every Dollar Budget https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1529618484139-P52KHTAIRNGH5JGWWHTJ/paying-off-mortage.png Blog - The 4% Rule Paying off mortage https://www.thehappysaver.com/blog/investing-in-something-other-than-a-house monthly 0.5 2024-09-30 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1531527309318-24B6YK2RBJMKLJD8PQQ6/demolished-redzone-aerial.png Blog - Investing In Something Other Than A House This is where our house used to be. Sometimes there is no stability in bricks and mortar. https://www.thehappysaver.com/blog/book-giveaway-martin-hawes monthly 0.5 2024-09-30 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1531962501069-I3623YA1R9ETS32OWDZ5/martin-hawes-investing-guide.png Blog - Book Giveaway: Martin Hawes https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1531962628904-0H5JJPJ1XYMCIEYUC5EX/martin-hawes-the-money-map.png Blog - Book Giveaway: Martin Hawes https://www.thehappysaver.com/blog/why-am-i-a-passive-investor monthly 0.5 2024-09-30 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1532733888780-M4W8Q7I3VZOYKRWWZY88/My-do-Blue-Mr-Passive.jpg Blog - Why am I a passive investor? My dog Blue AKA Mr Passive https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1532826304680-OGWMGZJ5X1H4GGEIWPWO/crystal-ball.jpg Blog - Why am I a passive investor? My grandmothers crystal ball https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1532734829451-8YWC0416PXLO1FYXNDL9/SPIVA-Australia.png Blog - Why am I a passive investor? This shows that In Australia 63% of actively managed funds underperform the S&P 500 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1532734856282-LU45WN0Q80FHQF8ATBWB/SPIVA-USA.png Blog - Why am I a passive investor? And in America 84.23% of actively managed funds underperformed the S&P 500 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1532735233324-YLGC7TLEP9Z21WL35ASK/index-funds-tracking.png Blog - Why am I a passive investor? https://www.thehappysaver.com/blog/pension-lump-sum-annuity monthly 0.5 2020-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1534496602557-LWS5VV66WWBXH3LWE3PF/happy-65th-birthday.png Blog - Pension vs Lump Sum vs Annuity https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1534492671826-S94LILB4W140OLBUM2ZM/simplicity-calculator.png Blog - Pension vs Lump Sum vs Annuity Simplicity - Retirement Income Calculator https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1534492712400-VZ2S1T4DGP498PFOFKZ1/lifetime-calculator.png Blog - Pension vs Lump Sum vs Annuity Lifetime - Retirement Income Calculator https://www.thehappysaver.com/blog/exercise-on-a-budget monthly 0.5 2020-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1533876605077-59TRZ3448NJJ6OYGAZOY/blue-waiting-to-go-on-a-walk.png Blog - Exercise ON A BUDGET “Ruth, I want to go for a walk NOW” https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1533876258151-PJ9X5RJZRCQEBL7KU2P6/yoga-with-adriene.png Blog - Exercise ON A BUDGET Yoga With Adriene https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1533876421685-QXBMWBCDYSSILGH6NLWQ/blue-out-on-a-run.png Blog - Exercise ON A BUDGET “Ruth, why have we stopped AGAIN?” https://www.thehappysaver.com/blog/medium-term-investing monthly 0.5 2020-05-28 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1533375042622-KRLY0XE5NI4NE4RSPCZ4/pathetic-bank-interest-rates.png Blog - What about the bit in the middle: Medium Term Investing Pathetic bank interest rates. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1533374482242-5VACQ5LYQYZJ5UHNQA9L/deposit-calculator.png Blog - What about the bit in the middle: Medium Term Investing Interest.co.nz Deposit Calculator https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1533373918520-S8KXOW72C60YCH3DFSPX/investment-matrix.jpg Blog - What about the bit in the middle: Medium Term Investing Investment Matrix - Source: MCA NZ Limited https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1533373576301-5NRF125ZTY2JGRO0L7OM/superlife80-asset-class.png Blog - What about the bit in the middle: Medium Term Investing SuperLife 80 current allocation between asset classes. https://www.thehappysaver.com/blog/speed-shopping-with-sharesies monthly 0.5 2020-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1535787097253-PB9GOYTL3TM1RBW9RIDP/money-has-arrived-in-sharesies-wallet.png Blog - Speed Shopping with Sharesies Email from Sharesies saying money has arrived in my Sharesies wallet. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1535787133427-G2B769E0RQIGFR7QUS51/sharesies-investment-into-nz-property.png Blog - Speed Shopping with Sharesies Email from Sharesies saying my investment into NZ Property has been confirmed. https://www.thehappysaver.com/blog/all-the-single-ladies monthly 0.5 2026-06-09 https://www.thehappysaver.com/blog/sharesies-for-kids monthly 0.5 2020-05-28 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1536829572933-WCQKRRCKV90U6R5RNR4R/sharesies-kids-account-declaration.png Blog - Sharesies for Kids Sharesies kids account legal stuff. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1536829836669-LYP9BCODJOAG10MH0Q2B/sharesies-kids-account-subscription-amounts.png Blog - Sharesies for Kids Sharesies kids account subscription amounts. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1536829917322-YKWC3EVRJTJWB4FUCWT4/sharesies-kids-account-identity-details-verified.png Blog - Sharesies for Kids Identity details are verified. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1536831108246-U12WDJM805HBNYVDRG3Q/sharesies-kids-account-signed-up.png Blog - Sharesies for Kids Woo - finished signing up. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1536830086341-G8XYI0HF01RMP2WJ85LZ/sharesies-kids-account-top-up-wallet.png Blog - Sharesies for Kids Topping up wallet. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1536830355465-0GITK3QCKFU0E0L9560W/sharesies-kid-account-money-arrived-in-wallet.png Blog - Sharesies for Kids Email from Sharesies letting me know money has arrived in her wallet. https://www.thehappysaver.com/blog/book-review-the-barefoot-investor-for-families monthly 0.5 2025-05-25 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1540026420919-GSJR8QI1YAZTIBNMVWCO/the-barefoot-investor-for-families.png Blog - Book Review: The Barefoot Investor for Families https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1540022451661-PA7UXB9WX8GXGF7JO4HW/money-box-for-sharing-money.jpg Blog - Book Review: The Barefoot Investor for Families https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1540022456895-TPVLZ6HUU4MUI2TK4C5I/put-5-dollars-in-bank-account.jpg Blog - Book Review: The Barefoot Investor for Families https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1540022453674-4B16PQ3YP4GT0UX15X0I/selling-bags-of-daffodil-bulbs.jpg Blog - Book Review: The Barefoot Investor for Families https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1540022454699-8CYIDR77GSKZROF9V32D/paper-chain-showing-money-invested.jpg Blog - Book Review: The Barefoot Investor for Families https://www.thehappysaver.com/blog/his-only-question-was-does-it-have-paywave monthly 0.5 2020-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1539307293597-T04GMJHYYKXXOVRCJE2X/master-banking-plan.jpg Blog - His only question was "does it have payWave"? The master banking plan I created for my nephew. Click image to enlarge. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1539307771100-53YD49B3YL9LB6DO51OU/detailed-master-banking-plan.jpg Blog - His only question was "does it have payWave"? The neater and more detailed master banking plan. It kept evolving! Click image to enlarge. https://www.thehappysaver.com/blog/stock-market-blip-hold-your-course monthly 0.5 2024-09-30 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1540631388553-QWFWQOUYJPKIC1AZD5CD/New-Zealand-Stock-Market-NZX-50-on-the-17th-October.png Blog - Stock Market Blip - Hold your course! NZX 50 on the 17th October https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1540632104165-W8983Z485IHGJQ7U9ZGF/NZX-performance-since-January-2017.png Blog - Stock Market Blip - Hold your course! NZX performance since January 2017 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1540632500679-2WKIB3YV04SFSN8VZWHO/New-Zealand-Stock-NZX-50-going-back-to-2002.png Blog - Stock Market Blip - Hold your course! NZX 50 going back to 2002 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1540634003812-Z230D61UBJMAYNRD855L/Blue-looking-gravely-concerned.jpg Blog - Stock Market Blip - Hold your course! https://www.thehappysaver.com/blog/i-cut-up-my-credit-card monthly 0.5 2020-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1541039381781-SM64E2Y543TMD4IGR8YA/no-more-items-to-show-on-visa-account.jpg Blog - I cut up my credit card! No more items to show on Visa account https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1541040389536-QE1EAIMMRMFWILV8ZQ28/9-cents-left-in-bank-account-when-i-was-a-student.jpg Blog - I cut up my credit card! Student bank account down to 9 cents the day before my student allowance went in. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1541280061607-CCDFQYZMCI1GU6DS5UBN/cutting-up-my-credit-card.png Blog - I cut up my credit card! Cutting up my Visa credit card. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1541295240622-5ELT6L0GB0ZMDWEHGPXI/pair-of-earrings-made-from-a-credit-card.jpg Blog - I cut up my credit card! Credit card earrings made by Jonny. https://www.thehappysaver.com/blog/why-and-how-i-changed-banks monthly 0.5 2020-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1542435212499-WXY9TROM8Z6HR6EPBEOG/trustbank-otago-banking-book.jpg Blog - Why and How I Changed Banks Where it all began. My Trust Bank bank books. https://www.thehappysaver.com/blog/lifestyle-property-vs-lifestyle monthly 0.5 2020-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1541812285032-45BK1K8UWHKBHPVJAF23/vegetable-garden.jpg Blog - Lifestyle Property vs Lifestyle My gardening style is ‘controlled chaos’. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1541812285917-ZKPFU4OXOP5I7WK9FL2D/blue-checking-out-the-outside-bath.jpg Blog - Lifestyle Property vs Lifestyle Blue checking out the outside bath. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1541812314519-OP13S0RMI3DSURO9M33H/quail-enclosure-made-out-of-bird-cages.jpg Blog - Lifestyle Property vs Lifestyle Quail enclosure made from recycled bird cages. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1541812280813-O51JD5AZAVD99FI4HIU8/quail-in-enclosure.jpg Blog - Lifestyle Property vs Lifestyle One of our four quail in its enclosure made from recycled bird cages linked together. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1541812279302-WDDJEKNR8J035FNV7ZPK/quail-walking-through-enclosure.jpg Blog - Lifestyle Property vs Lifestyle Quail make great wee pets, less work than chooks but just as many eggs! Just a little smaller… https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1541812308651-78PLVYE2KZP8WBW89DUC/quail-enclosure-and-artificial-lawn.jpg Blog - Lifestyle Property vs Lifestyle Blue sitting on the artificial lawn. No point trying to grow grass in Central Otago! https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1541812290377-NUWR9097481YK0TWU40J/looking-back-to-potting-shed.jpg Blog - Lifestyle Property vs Lifestyle Spring growth! https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1541812306172-U7PI6CFZVQDJPPNLDMR8/glasshouse-and-seating-area.jpg Blog - Lifestyle Property vs Lifestyle Glasshouse and seating area. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1541812302284-SDY06FFI7CO56DFOW711/hops-growing-over-seating-area.jpg Blog - Lifestyle Property vs Lifestyle Hops growing over the seating area. Gives both shade and beer! https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1541812296078-M8AH9W0OIOQEJONBE5IE/potting-shed-and-compost-bin.jpg Blog - Lifestyle Property vs Lifestyle Potting shed and compost bin. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1541812296121-BWOY0BAGKBIWSYA6QPS6/quail-enclosure-well-hidden.jpg Blog - Lifestyle Property vs Lifestyle The quail enclosure is well hidden, just the way they like it. https://www.thehappysaver.com/blog/paid-off-mortgage-now-what monthly 0.5 2024-09-30 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1543032822451-TISA4YZD3ZVF8XKG8082/smartshares.png Blog - Paid off mortgage. Now what? www.smartshares.co.nz https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1543032837555-GW2P8NLW8X268Y42EH5Z/superlife.png Blog - Paid off mortgage. Now what? www.superlife.co.nz https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1543032899055-MPS41Y75OXBH1ZUHT4QG/sharesies.png Blog - Paid off mortgage. Now what? www.sharesies.nz https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1543032912066-I6DK9XLVQQKTX02PDOHN/simplicity.png Blog - Paid off mortgage. Now what? www.simplicity.kiwi https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1543035171019-CUWLUOC2ILQRO1O6UKCQ/nz-top-50-after-5-years.png Blog - Paid off mortgage. Now what? NZ Top 50 after 5 years. Click image to enlarge. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1543035316980-PIOIRJCBEZMCCAIXYH9O/nz-top-50-after-10-years.png Blog - Paid off mortgage. Now what? NZ Top 50 after 10 years. Click image to enlarge. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1543035344475-UNFH74RZHO7BUND5S2F0/nz-top-50-after-20-years.png Blog - Paid off mortgage. Now what? NZ Top 50 after 20 years. Click image to enlarge. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1543043038472-K8FSFVS6ZKMLTFXFUFM7/podcasts-and-books.png Blog - Paid off mortgage. Now what? Podcast and books to learn from. https://www.thehappysaver.com/blog/end-of-year-financial-report monthly 0.5 2024-09-30 https://www.thehappysaver.com/blog/applying-the-barefoot-investor-in-nz monthly 0.5 2025-03-23 https://www.thehappysaver.com/blog/thanks-john-c-bogle-for-making-investing-simple monthly 0.5 2024-09-30 https://www.thehappysaver.com/blog/take-control-of-your-finances-pocketsmith-part-1 monthly 0.5 2024-09-03 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1546075771561-Z3DWTP988X1PCXSW2XQP/PocketSmith-SmallChangeBigGains-Infographic.jpg Blog - Take Control of Your Finances: PocketSmith Part 1 PocketSmith Small Change Big Gains https://www.thehappysaver.com/blog/review-pocketsmith-part-2 monthly 0.5 2024-09-03 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1547078985713-PUH3IO65M7S8XX23DWZI/pocketsmith-welcome-email.png Blog - REVIEW: PocketSmith Part 2 PocketSmith welcome email with clear instructions about the tutorial emails I would be sent over the following five days. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1547240848607-8BD5L5JSA0ZMLP26TTJ1/pocketsmith-adding-a-bank-feed-and-connecting-your-accounts.png Blog - REVIEW: PocketSmith Part 2 PocketSmith video showing how to add a bank feed and connect your accounts. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1547080784021-RYVLTPYRFOX0WMFR4G9L/category-names-I-use-in-PocketSmith.png Blog - REVIEW: PocketSmith Part 2 Here are some of the category names I chose to use. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1547281917511-X37UNKZAUFJB8BXG4F8C/creating-a-rule-for-New-World-in-PocketSmith.png Blog - REVIEW: PocketSmith Part 2 Creating a rule for New World. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1547255070375-9MBY37VNKIVY58GQ2V60/PocketSmith-daily-transactions.png Blog - REVIEW: PocketSmith Part 2 PocketSmith screen showing every transaction. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1547082317279-1XZF78EX3Z32E0B0TP75/PocketSmith-finished-categorizing.png Blog - REVIEW: PocketSmith Part 2 Finished categorizing everything. All done! https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1547255689104-CBA9TMB0VNMJKEM9Z0E5/PocketSmith-holiday-account.png Blog - REVIEW: PocketSmith Part 2 Graph visually showing weekly transfers in our Holiday Account. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1547111127325-XPRAYRR9Y7YBJ3RSS68T/PocketSmith-earning-and-spending-chart.png Blog - REVIEW: PocketSmith Part 2 Earning and spending chart that builds up over the month. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1547111649431-S8GKA8J36ZQ8VQ73IQMX/PocketSmith-january-budget-snapshot.png Blog - REVIEW: PocketSmith Part 2 January budget snapshot. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1547112752426-DBZ2KLFND6BE4GSZ6CZ1/PocketSmith-your-active-budgets.png Blog - REVIEW: PocketSmith Part 2 At a glance I can clearly see how I am tracking. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1547113064809-RZV9ZH41NGFJ0XOKFTO2/PocketSmith-alerts.png Blog - REVIEW: PocketSmith Part 2 The Alerts lets me know about things to be aware of. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1547113887098-JCCO3M61B8BL5C32GVHM/PocketSmith-weekly-summary-email.png Blog - REVIEW: PocketSmith Part 2 Weekly summary email showing my spending and earning and how many new transactions there are to categorize. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1547242845201-NMYXKCC9PHNLE6C5DK3I/pocketsmith-mobile-app.png Blog - REVIEW: PocketSmith Part 2 You can take PocketSmith with you in your pocket by installing the App on your Apple or Android phone. https://www.thehappysaver.com/blog/whats-up-with-meridian-energy monthly 0.5 2020-05-28 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1547520433337-RY2P57K4JDWPDEZV6SJ7/meridian-energy-share-price-in-sharesight.png Blog - What's up with Meridian Energy? A steady rise in Meridian Energy’s share price. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1547521273905-16COURQRKC42S1RNULBC/Meridian-Energy-price-history-NZX.png Blog - What's up with Meridian Energy? Meridian Energy’s bumpy climb. https://www.thehappysaver.com/blog/ask-away-your-money-questions monthly 0.5 2024-09-30 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1549094910207-I3AA0F9XM8P9BT8JS2U7/business-wekk-cover.png Blog - Ask Away - Your Money Questions... The Business Week Cover which predicted a sharemarket plunge, could not have been more wrong. https://www.thehappysaver.com/blog/book-review-rich-enough-mary-holm monthly 0.5 2025-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1549326983688-T734NR0Z8WJV3MLBRNVH/rich-enough-mary-holm.png Blog - Book Review: Rich Enough? A Laid-Back Guide for Every Kiwi Rich Enough? Mary Holm https://www.thehappysaver.com/blog/my-cars-cost-195-per-week monthly 0.5 2024-09-30 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1551152835359-1UB4B9XFQE7S2UURUEFS/numbers-for-two-vehicles.png Blog - My cars cost $195 per week! Here are our numbers for the two vehicles we drive. https://www.thehappysaver.com/blog/credit-score-good-or-evil monthly 0.5 2020-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1550221666619-NWX7Q5YKIUXYN7L2UFMP/very-good-credit-score.jpg Blog - Credit Score. Good or Evil? Credit Score https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1550221980894-9W3LACMXSNRM448FI11R/consumer-credit-information.jpg Blog - Credit Score. Good or Evil? Report showing a section of my credit card repayment information. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1550355546302-I9IDGQ7QST5Z6KITEX4M/rankings-this-week.jpg Blog - Credit Score. Good or Evil? Rankings for this week https://www.thehappysaver.com/blog/sharesies-have-made-a-few-tweaks monthly 0.5 2020-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1551316652653-442K2S6XXTF8EGGMZR27/sharesies-listing-details.png Blog - Sharesies have made a few tweaks... Listing details of the NZ Property Fund https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1551316730220-GR2YZMQV5YGIG3PEARU8/sharesies-change-given-from-NZ-property-share-purchase.png Blog - Sharesies have made a few tweaks... Change from purchase of NZ Property shares https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1551316827794-M5QPBATNXP406KB2PQD4/sharesies-change-given-from-US-500-share-purchase.png Blog - Sharesies have made a few tweaks... Change from US 500 share purchase https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1551316889351-EFD9Q0B3TS5RVARCZNLR/sharesies-total-return-summary.png Blog - Sharesies have made a few tweaks... Sharesies Total return summary https://www.thehappysaver.com/blog/saving-money-on-my-car-insurance monthly 0.5 2020-04-21 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1553304991348-V8CNZC5JCOVLXYW7PZCJ/fellow-happy-savers-insurance-price-comparison.png Blog - Saving Money on My Car Insurance A fellow Happy Saver’s online quotes for their car from various insurance companies. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1553244379029-7DELKXS9PDSEHUMHZDPQ/trademe-start-you-car-insurance-quote.png Blog - Saving Money on My Car Insurance The quote process with Trade Me was easy and quick. I also got 20% Off for being a Trade Me member. https://www.thehappysaver.com/blog/time-in-the-market-is-your-moneys-best-friend monthly 0.5 2024-09-30 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1552529384671-EHF2AM3F0CCX66IIGO3G/new-zealand-stock-market-NZX-50.png Blog - Time in the market is your money’s best friend. Stock market lumps, bumps, dips and blips. Source: www.tradingeconomics.com https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1552530105066-60MCE4UEZAFNBZ7X70CY/FTSE-100-Index-June-19-1988-Jan-19-1988.png Blog - Time in the market is your money’s best friend. FTSE 100 Index (June 19, 1987 to January 19, 1988) Source: Wikipedia https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1552530568464-KUWHM3KO8AK30FKH8EF9/NZ-top-50-fund.png Blog - Time in the market is your money’s best friend. My investment in the NZ Top 50 is showing a gradual increase. https://www.thehappysaver.com/blog/simplicity-and-the-icehouse-what-does-it-mean monthly 0.5 2020-05-28 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1555631019244-BYRGOJI2DIFFDK7VRSGT/what-does-the-growth-fund-invest-in.png Blog - Simplicity and The Icehouse - What does it mean? The types of assets the Simplicity Growth Fund invests in. https://www.thehappysaver.com/blog/your-questions-answered monthly 0.5 2020-05-28 https://www.thehappysaver.com/blog/margin-lending-borrowing-money-to-invest-in-shares monthly 0.5 2020-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1554956917817-4X0AUINM8TAVSN559CA4/ASB-securities-NZ-approved-securities-list.png Blog - Margin Lending - Borrowing money to invest in shares. ASB Securities New Zealand Approved Securities List https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1554977480920-T2EMPV05HKIRA4QHEQYJ/Leveraged-Finance-Ltd-margin-lender.png Blog - Margin Lending - Borrowing money to invest in shares. Example from Leveraged Equities Ltd showing how much gearing can add to your investment total. https://www.thehappysaver.com/blog/how-i-help-my-daughter-invest monthly 0.5 2020-05-28 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1556404026068-OW3DMMFFMB52FV3IF253/sharesies-placing-order-screen.png Blog - How I Help My Daughter Invest The screen that pops up for a few seconds once she has hit the place my order button. What’s with the bowl of fruit Sharesies? https://www.thehappysaver.com/blog/book-review-everyday-millionaires-by-chris-hogan monthly 0.5 2024-09-30 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1556849167228-N9ILRFKLQGM1EGRJOSL0/everyday-millionaires-chris-hogan.png Blog - Book Review: EVERYDAY MILLIONAIRES by Chris Hogan Everyday Millionaires by Chris Hogan https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1557012842375-FFLTAEHAZ6FAJER9OA5A/everyday-millionaires-chris-hogan-apple-books.png Blog - Book Review: EVERYDAY MILLIONAIRES by Chris Hogan Everyday Millionaires Get it on Apple Books https://www.thehappysaver.com/blog/investing-a-student-loan-yes-or-no monthly 0.5 2020-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1557446865185-ODRVG2F6SNTTGNS1ZOEM/winston-peters.jpg Blog - Investing a student loan. Yes or NO? Photo from the book The Crash of ‘87 and words from Winston Peters. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1557356068399-EDIC0Q40PC6YXOUAG3FA/protesting-student-loans.jpg Blog - Investing a student loan. Yes or NO? Here I am protesting. Those were the days! Photo: ODT https://www.thehappysaver.com/blog/how-to-sell-down-superlife-funds monthly 0.5 2020-05-27 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1558092517665-FIWJEHQDP5646CUNPZO3/superlife-managed-income.png Blog - How to Sell Down SuperLife Funds Managed income tab on the SuperLife website. https://www.thehappysaver.com/blog/steps-to-achieving-financial-independence monthly 0.5 2024-09-06 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1558765174140-77HPM94Y3JJG5UOQ9WGS/annual-expenses-25.png Blog - Back to Basics: Steps to Achieving Financial Independence https://www.thehappysaver.com/blog/how-is-my-nz-top-50-fund-going monthly 0.5 2024-09-30 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1559348067000-L3NX61PMLYNTKBI1T0AZ/NZ-Top-50-Fund-Investor-Report.png Blog - How is my NZ Top 50 fund going? SmartShares NZ Top 50 Summary https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1559349213181-725FD3Q0BA1W0GP3QWEY/NZX-NZ-Top-50-Fund-Overview.png Blog - How is my NZ Top 50 fund going? NZX NZ Top 50 Fund Overview https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1559354655573-RXYC0BL6KHC3IJ25M6WP/NZX-FNZ-Dividends.png Blog - How is my NZ Top 50 fund going? From the NZX - FNZ Dividends - Upcoming dividends and Historical dividends https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1559355152899-66IGP7ZHYSO8AHYTAV64/sharesight-nz-top-50-fund-performance.png Blog - How is my NZ Top 50 fund going? Sharesight showing my own NZ Top 50 Fund performance. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1559355754348-M84ETW23W9N7GPFHJ8BD/nzx-50-graph-since-2008-crisis.png Blog - How is my NZ Top 50 fund going? https://www.thehappysaver.com/blog/calling-all-net-worth-millionaires monthly 0.5 2020-03-23 https://www.thehappysaver.com/blog/when-is-the-right-time-to-get-your-child-an-eftpos-card monthly 0.5 2020-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1561178069730-PXK6CDIJUAV6W8GOJDBP/money-boxes.jpg Blog - When is the right time to get your child an Eftpos card? Her piggy bank and money boxes sitting on the shelf. https://www.thehappysaver.com/blog/book-review-playing-with-fire monthly 0.5 2024-09-30 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1562987091499-D9VO2E8LAKH0ZACITWXC/playing-with-fire-scott-rieckens.png Blog - Book Review: PLAYING WITH FIRE Playing With Fire Scott Rieckens https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1562993700220-CAWYAL388R27AF2JKD73/playing-with-fire-scott-rieckens-apple-books.png Blog - Book Review: PLAYING WITH FIRE Playing With Fire Scott Rieckens Apple Books https://www.thehappysaver.com/blog/how-i-avoid-the-holiday-hangover monthly 0.5 2020-03-23 https://www.thehappysaver.com/blog/sharesies-detour-ahead monthly 0.5 2024-09-30 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1564202298552-ZUA0GGHNWKDMG1VU6B9H/new-zealand-stock-market-nzx-50.png Blog - Sharesies: Detour Ahead The sharemarket is currently cranking along nicely. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1564201964992-CC5I9TZ7KOCH76TZR2BQ/sharesies-what-will-it-cost.png Blog - Sharesies: Detour Ahead Sharesies subscription fees. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1564202234854-I896DU02IGS3T2GGPYNS/sharesies-brokerage-fees.png Blog - Sharesies: Detour Ahead Sharesies brokerage fees. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1564193772585-J3ZQY4O3GLKFPC9D7M31/AirPod-8.png Blog - Sharesies: Detour Ahead The AIRPOD 2.0 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1564202359914-5Y0W4VKOV9584QGD1E5P/sharesies-ryman-healthcare.png Blog - Sharesies: Detour Ahead This shows the $100 investment in Ryan Healthcare a day after I invested through Sharesies. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1564202445083-ZXRNEWAQA8BRQICMNR5E/broker-picks-2018.png Blog - Sharesies: Detour Ahead 2018 broker picks from nzherald.co.nz https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1564202127634-Z9153P0W5JU82DPFN0IR/sharesight-ryman-healthcare.png Blog - Sharesies: Detour Ahead My Sharesight screen showing how Ryman Healthcare is tracking compared to the SmartShares NZ Top 50 ETF. https://www.thehappysaver.com/blog/my-pocketsmith-analysis-we-buy-a-lot-of-eggs monthly 0.5 2024-09-03 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1564821986550-IRLZANE17PN0L6QYC0NE/pocketsmith-school-fees.png Blog - My PocketSmith analysis: We buy a lot of eggs! PocketSmith Transactions https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1564822110204-4OYMK16B0LGO3X8NO8BY/pocketsmith-your-active-budgets-petrol.png Blog - My PocketSmith analysis: We buy a lot of eggs! PocketSmith Your Active Budgets https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1564821692809-KU2A7IWNBZWZHN3UJHBK/pocketsmith-net-woth.png Blog - My PocketSmith analysis: We buy a lot of eggs! My favourite screen is the Net Worth screen because it’s so definite. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1564823314461-LA7HK1RW8ICB0MNLROZB/pocketsmith-earning-and-spending-pinwheel.png Blog - My PocketSmith analysis: We buy a lot of eggs! My colour coded pinwheel. https://www.thehappysaver.com/blog/index-funds-where-who-and-what-one monthly 0.5 2024-09-30 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1566079341673-HD8Z1W22NHJL6JYFEYC0/NZX-50-gross-index.png Blog - Index Funds - Where, Who and What one? Steady rise in the NZX 50 over the years. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1565920223414-ADGMQ8901V8F69XI70RH/smartshares-etfs-summary.png Blog - Index Funds - Where, Who and What one? SmartShares ETFs Summary for the NZ Top 50 ETF, US 500 ETF and NZ Property ETF. https://www.thehappysaver.com/blog/interest-rates-are-low-so-pay-off-your-mortgage monthly 0.5 2020-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1566695351909-IOJ32EOXNNX96388AHKW/the-happy-saver-calculator.png Blog - Interest rates are LOW so pay off your mortgage! The Happy Saver Calculator https://www.thehappysaver.com/blog/a-cunning-plan-to-help-pay-for-a-childs-education monthly 0.5 2020-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1567070913105-30H40KHT54WQDFZJN8EV/student-loan-repayment-calculator.png Blog - A cunning plan to help pay for a child's education... Student loan repayment calculator on the Inland Revenue website. https://www.thehappysaver.com/blog/book-review-the-total-money-makeover monthly 0.5 2025-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1568799568978-5DF2NG875FR523LN5LS2/The-Total-Money-Makeover-Dave-Ramsey.png Blog - Book Review: The Total Money Makeover The Total Money Makeover - Dave Ramsey https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1568800110092-JJK594UMCBCUW13XK29M/the+total+money+makeover+dave+ramsey+apple+books.png Blog - Book Review: The Total Money Makeover The Total Money Makeover - Dave Ramsey https://www.thehappysaver.com/blog/no-i-dont-want-a-rental-property-thank-you monthly 0.5 2020-03-23 https://www.thehappysaver.com/blog/meridian-energy-just-paid-me-684 monthly 0.5 2024-09-06 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1571458941193-WW1KHMM7KL46AQYPEQOW/meridian-energy-dividends-and-imputation-credits.png Blog - Meridian Energy just paid me $684! Meridian Energy dividends and imputation credits https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1571456749243-OUK8T7H4OG4V5VJ03SJO/sharesight-meridian-energy.png Blog - Meridian Energy just paid me $684! Sharesight screen showing Meridian Energy performance. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1571457280012-8QMJU5DXHOXY54WO7POH/meridian-energy-dividend-transfer-bank-account.png Blog - Meridian Energy just paid me $684! Meridian Energy dividends are transferred in bank account. https://www.thehappysaver.com/blog/money-routines-methods-habits-rules-and-obsessions-to-live-by monthly 0.5 2024-09-06 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1572596613208-SF4RORP9CB5YS5T1V9X5/strava-dollar-sign.jpg Blog - Money Routines, Methods, Habits, Rules and Obsessions to Live By During the week I ran to the playing fields and created (via GPS) this dollar sign on Strava. The dollar sign is 430 metres. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1572596246798-YVP41GMI0ZD3IUAEMSGR/coffee-supreme-box.jpg Blog - Money Routines, Methods, Habits, Rules and Obsessions to Live By This arrives in my letterbox each week from Coffee Supreme. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1572598162312-60Y3FYTR1W9RQUGGN7X9/the-happy-saver-financial-goal-tracker.png Blog - Money Routines, Methods, Habits, Rules and Obsessions to Live By Download and print out The Happy Saver Financial Goal Tracker as a visual way to track a financial goal. https://www.thehappysaver.com/blog/advice-from-our-net-worth-millionaires monthly 0.5 2024-09-30 https://www.thehappysaver.com/blog/book-review-tales-from-a-financial-hot-mess monthly 0.5 2025-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1574466818156-UUA8A1WH2FGTPE8IEMAW/tales-from-a-financial-hot-mess.jpg Blog - Book Review: Tales from a Financial Hot Mess When something took my interest I placed a sticky note to mark the page. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1574481868600-RW3G5VP3E29ZRY8ME1KH/tales-from-a-financial-hot-mess-frances-cook.png Blog - Book Review: Tales from a Financial Hot Mess Tales from a Financial Hot Mess by Frances Cook https://www.thehappysaver.com/blog/what-do-people-email-me-about monthly 0.5 2024-09-30 https://www.thehappysaver.com/blog/help-im-freaking-out-how-do-i-sell monthly 0.5 2024-09-30 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1573894363314-CQU13MJCOCVSX46AUUSW/sharesies-sell-shares.png Blog - Help! I’m freaking out, how do I sell? Selling 10 NZ Property Fund shares on Sharesies. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1573894558727-9SMAK1BQH1F04TYSB0VN/sharesies-sell-order.png Blog - Help! I’m freaking out, how do I sell? The Sell Order for the NZ Property Fund from Sharesies. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1573894669793-FK7SQLOPFGWKEUBVTG4A/direct-broking-sell-order.png Blog - Help! I’m freaking out, how do I sell? Confirm New Order screen from Direct Broking. I didn’t confirm this order as the fees are a killer for such a small order. https://www.thehappysaver.com/blog/how-to-avoid-a-student-loan-start-saving-today monthly 0.5 2020-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1575762915834-RJD70AGQ9W27CMJU3TBG/employee-35-hours-per-week-pay.png Blog - How to avoid a student loan. Start saving today! 35 hours a week = $502.75 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1575627574802-NCBDJ9N6N1CZEXSTDL87/employee-pay-in-the-hand-each-week.png Blog - How to avoid a student loan. Start saving today! 10 hours a week = $150.65 https://www.thehappysaver.com/blog/hatch-review monthly 0.5 2024-09-06 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1574931542828-8E8149C28A4FIAPYANTO/hatch-fair-and-transparent-fees.png Blog - HATCH Hatch - Fair & transparent fees explained. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1574931573558-4M8KIFUER692RA32EC1O/hatch-deposit-and-withdraw.png Blog - HATCH My available funds to invest. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1574931595763-0F5HN5F7AB6CPUW1SP1A/hatch-buy-she.png Blog - HATCH Buying a fraction of a share in SHE exchange-traded fund. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1574932085840-IL80AX3X2BQYMWJW4PID/hatch-your-investments.png Blog - HATCH Hatch screen showing my holding in SHE. https://www.thehappysaver.com/blog/the-family-christmas-newsletter monthly 0.5 2020-05-28 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1576964639647-WLYTLZ3BGAH04R9N0AFD/gold-coast-movie-world.jpg Blog - The Family Christmas Newsletter Jonny and I in the front row of the Doomsday Destroyer ride at Movie World. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1576964884395-VZ7KW4UY8VHM8SLUV907/gold-coast-beach.jpg Blog - The Family Christmas Newsletter On the beach looking towards Surfers Paradise. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1576964946135-VLKGDAMBFB2IXT9MW6PW/gold-coast-koala.jpg Blog - The Family Christmas Newsletter One of the things to look at while on my morning run streak. https://www.thehappysaver.com/blog/new-year-new-budget monthly 0.5 2024-09-06 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1578646694783-85O4MWBL7MN75WH2PTFM/pocketsmith-budget-start.png Blog - New Year. New Budget! My PocketSmith screen waiting for me to click the START buttons to start my new budgets for 2020. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1578727197379-KNEE16BGYMFX96DFL7M6/pocketsmith-braces-account.jpg Blog - New Year. New Budget! $40 a week is transferred into the Braces Account. https://www.thehappysaver.com/blog/diy-financial-education-for-my-daughter monthly 0.5 2020-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1579840716280-OATNE0E0CBZILVE7RZAM/plans-for-the-new-desk-and-shelves.jpg Blog - DIY Financial Education for my Daughter Our daughters and Jonny’s rough drawings of what needed to be built. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1579833999838-ZLXEB5O53NJIM2K1AH31/sold-items.jpg Blog - DIY Financial Education for my Daughter Some of the items that were sold to help fund the room makeover. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1579822795763-1MF7NRPBJD6FGUPLJD0G/money-from-the-sale-of-items.jpg Blog - DIY Financial Education for my Daughter Money collected from the sale of the items we no longer needed. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1579827732070-BY7NA369EYCF2ACVFNIV/spread-sheet-of-sold-items.png Blog - DIY Financial Education for my Daughter The spreadsheet that was created to track who purchased what and for how much and when it would be collected. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1579836853022-OHSRUFUQSPYJA9DZ0CT5/pocketsmith-pinwheel-bedroom-makeover-budget.png Blog - DIY Financial Education for my Daughter PocketSmith Dashboard showing the Bedroom Makeover budget. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1579840450530-TA4VHRVJX9W1VBPQBNSK/new-desk.jpg Blog - DIY Financial Education for my Daughter The huge new desk. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1579840509989-RGR1ACJ0O18Z6VXKLIQ7/image-asset.jpeg Blog - DIY Financial Education for my Daughter New shelves and curtains. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1579837604381-J0PB97XGAWP83SPAUBM9/artwork-created-at-the-new-desk.jpg Blog - DIY Financial Education for my Daughter Some of the artwork that is being churned out at the new desk. https://www.thehappysaver.com/blog/whats-my-asset-allocation monthly 0.5 2024-09-30 https://www.thehappysaver.com/blog/how-do-i-structure-my-bank-accounts monthly 0.5 2020-05-27 https://www.thehappysaver.com/blog/finally-im-a-net-worth-millionaire monthly 0.5 2024-09-30 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1580458761671-E2HQ8CWNISO6PZ7L7WJX/pocketsmith-dashboard-current-net-worth.png Blog - Finally, I'm a net worth millionaire! My dashboard in the PocketSmith app showing our current net worth. https://www.thehappysaver.com/blog/the-rule-of-72-and-sharesight-two-useful-personal-finance-hacks monthly 0.5 2020-05-28 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1581753650183-351KLXJT7HICOT11QVEQ/rule-of-72-the-happy-saver.jpg Blog - The Rule of 72 and Sharesight - Two Useful Personal Finance Hacks The Rule of 72 example: 72 / 10% = 7.2 years https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1581754491158-KVIXPFMEQ7E7WADJLVRV/sharesight-enter-a-new-trade.jpg Blog - The Rule of 72 and Sharesight - Two Useful Personal Finance Hacks Sharesight pop-up window which allows me to enter a new trade. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1581799099558-XAV6B2O7HZFVD34CTF1H/Sharesight-Smartshares-NZ-Top-50-ETF.png Blog - The Rule of 72 and Sharesight - Two Useful Personal Finance Hacks Sharesight graph showing returns for the FNZ fund since I first started purchasing them back in November 2016. https://www.thehappysaver.com/blog/the-blog-post-i-never-wanted-to-write-tax monthly 0.5 2020-07-24 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1582927922843-NU4TD2KJNWOB708PR6CA/tax-file-folder.png Blog - The blog post I never wanted to write: TAX Folder for all my tax related documents (and other investment stuff). https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1582860178979-8MA7LM14WAK8Q506Z7G9/sharesies-tax-statement.png Blog - The blog post I never wanted to write: TAX My Sharesies Tax Statement document. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1582940389794-LCJUS9L244QV5AWE2N0W/link-market-services-tax-history.png Blog - The blog post I never wanted to write: TAX Link Market Services screen showing my tax history. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1582862640400-B6V2ES9VX6Q5WIV02PFN/simplicity-tax-certificate-email.png Blog - The blog post I never wanted to write: TAX Email from Simplicity containing my tax certificate. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1582940644039-J74LQJ8D8Q5XH46R0VBM/sharesight-taxable-income-report.png Blog - The blog post I never wanted to write: TAX Sharesight screen showing my taxable income report. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1582940853487-I9Z6SZLD9RH94SJK0N7K/pocketsmith-income-and-expense-statement.png Blog - The blog post I never wanted to write: TAX PocketSmith screen showing Income & Expense Statement. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1583012627832-T87Q6RHJAY5QQINFCY9R/tax-summary-file.png Blog - The blog post I never wanted to write: TAX Income & Tax Summary that comes back from the accountant. I always skip directly to the bottom to find out whether I owe the IRD or whether they owe me! Click image to enlarge. https://www.thehappysaver.com/blog/the-share-market-is-doing-what-it-does-so-just-chill monthly 0.5 2020-05-28 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1584155811665-IE9AGTEEBJD5WT9G75X1/nz-property-fund-sharesies.png Blog - The share market is doing what it does, so JUST CHILL! Price history for the NZ Property Fund. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1584157584609-DOG46ZGU53388TVL85P9/smartshares-NZ-top-50-sharesight.png Blog - The share market is doing what it does, so JUST CHILL! Sharesight screen showing our NZ Top 50 fund on March 13th. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1584157706593-X132RLFPW3AGZ6G8IS9N/smartshares-US-500-sharesight.png Blog - The share market is doing what it does, so JUST CHILL! Sharesight screen showing our US Top 500 fund on March 13th. https://www.thehappysaver.com/blog/applying-the-barefoot-investor-in-nz-update monthly 0.5 2025-03-23 https://www.thehappysaver.com/blog/the-covid-19-emergency-budget-meeting monthly 0.5 2024-09-06 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1584752381058-H5YPBK04CCPEXR1J45JQ/PocketSmith-Earning-and-Spending-Jan-2020.png Blog - The COVID-19 Emergency Budget Meeting My PocketSmith dashboard showing January’s Income and Expenses. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1584752483753-5P8VH5TVNDWKMC0OBY1I/PocketSmith-Earning-and-Spending-Mar-2020.png.png Blog - The COVID-19 Emergency Budget Meeting My PocketSmith dashboard for March showing a dramatic decrease in fun stuff and things we could do without. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1584752676357-GN3N1DCRC0G6BXC9SBRZ/Sharesies-NZ-Property-Fund-6-Months.png Blog - The COVID-19 Emergency Budget Meeting My Sharesies dashboard showing the NZ Property Fund. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1584752900824-7UW1VENXXEI1Q3LNI4WR/box-office.jpg Blog - The COVID-19 Emergency Budget Meeting My daughters home work station “the box office”. https://www.thehappysaver.com/blog/your-questions-wage-subsidy-kiwisaver-debt monthly 0.5 2024-09-30 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1586051662755-U8S8PEKNTD5KOHPZUVXN/payslip.png Blog - Your Questions: Wage Subsidy, KiwiSaver, Debt My payslip for the week. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1585968717623-ETYYVSO1H5FA6FO3YYLB/Simplicity-Growth-Fund-Top-10-Investments.png Blog - Your Questions: Wage Subsidy, KiwiSaver, Debt Simplicity Growth Investment Fund (update 31 December 2019) Top 10 investments from their Fund Update document. You can view the full document here. https://www.thehappysaver.com/blog/pocketsmith-questions-and-answers monthly 0.5 2024-09-06 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1584830560063-3UXCT5EA8IUZ7VK540DD/PocketSmith-Budget-page.jpg Blog - PocketSmith Q+A On the Budget page, just click on the arrow at the end of the row to roll-up the total of the sub-category budgets into a parent budget. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1584830661814-K3I1FWZBRT2TS7RIKXKW/PocketSmith-roll-up-budget.jpg Blog - PocketSmith Q+A The roll-up budget will display alongside the parent category and you will still be able to view the individual sub-category totals. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1584830733950-2GAV7CSIK8ABW4FUKG7H/PocketSmith-Trends-page.jpg Blog - PocketSmith Q+A On the Trends page you can use the Roll up toggle to see your overall trends in a parent category. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1584830870183-G2XORQ2S9N3U6N3BZXY9/PocketSmith-pie-chart.jpg Blog - PocketSmith Q+A Just click the pie chart icon in the top right corner of the Transactions page. https://www.thehappysaver.com/blog/my-lockdown-diary monthly 0.5 2024-09-30 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1585443236642-ARK66EW31YRP7HPOQN0D/covid-19-lockdown-countdown.jpg Blog - My Lockdown Diary Our COVID-19 Lockdown Countdown calendar. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1585444990187-3CXQKVK4TZVFT2NBZPRZ/NZ-Stock-Market-March-26.png Blog - My Lockdown Diary This is how things were looking on Friday morning, before trading opened for the day. Source: Trading Economics https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1585448566749-75BYWT3A2UL1L6CYV4HY/i-am-not-coming-down.png Blog - My Lockdown Diary One of the many funny images I have been sent during this time. Source: Unknown https://www.thehappysaver.com/blog/budgeting-really-does-work monthly 0.5 2024-09-06 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1587168689282-785Y7KQXRQH2YDJZPM8T/Kiwi-Girl-on-a-Budget.png Blog - Budgeting really does work! Kiwi Girl on a Budget https://www.thehappysaver.com/blog/an-index-fund-refresher monthly 0.5 2024-09-30 https://www.thehappysaver.com/blog/dont-look-for-the-needle-buy-the-haystack monthly 0.5 2024-09-30 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1587765545750-6WAPFOSE5S9CDXU9E5Q9/the-crash-of-87.png Blog - “Don’t look for the needle - buy the haystack” The Crash of ‘87 - The book that tells you you’re not alone https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1587766829722-DO0IMZKSVJ9DX81Y80LZ/SPIVA-Statistics-and-Reports-Australia.png Blog - “Don’t look for the needle - buy the haystack” Graph showing the percentage of Australian equity general funds that underperformed the S&P/ASX 200. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1587771605966-U1XTX8AGJA6D9IFQCUMA/Sharesight-SmartShares-NZ-Top-50-ETF.png Blog - “Don’t look for the needle - buy the haystack” Sharesight graph showing my SmartShares NZ Top 50 Fund over the last three and a half years as at 21st April 2020. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1587771624363-6HZU662W76DRQRICXEB0/Sharesight-SmartShares-NZ-Top-50-ETF-one-month.png Blog - “Don’t look for the needle - buy the haystack” Sharesight graph showing how the last month looks for my SmartShares NZ Top 50 Fund. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1587866926368-ZUECSRATRT184UNAZLZ4/the-simple-path-to-wealth-jl-collins-book.png Blog - “Don’t look for the needle - buy the haystack” The Simple Path to Wealth by JL Collins https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1587773619956-SK1BFFG274O282LK83WV/the-little-book-of-common-sense-investing-john-c-bogle.png Blog - “Don’t look for the needle - buy the haystack” The Little Book of Common Sense Investing - John C. Bogle https://www.thehappysaver.com/blog/the-life-cycle-of-an-investor monthly 0.5 2020-05-24 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1588979267655-MGZVY87GO457DGB3JSDL/birth.png Blog - The Life Cycle of an Investor Birth https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1589079148513-QRF77KDIHOLE13SOGGQ6/early-years.png Blog - The Life Cycle of an Investor Early Years https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1588982080260-N8CUTNCEKN03MU6FWIJL/teenage-years.png Blog - The Life Cycle of an Investor Teengae Years https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1588982180575-TSBGLBSIEYFZ6VDK2VK8/leave-home-study.png Blog - The Life Cycle of an Investor Leave Home - Tertiary Education https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1588982292763-KSUWKG95RZ9IRPMTKKBD/leave-home-work.png Blog - The Life Cycle of an Investor Leave Home - Full Time Work https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1588982343635-1LRRBXJ5NMYITXSYY81I/image-asset.png Blog - The Life Cycle of an Investor Early 20s https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1588982406221-UN9Q5ZU56MBCGY7AKZSB/late-20s-early-30s.png Blog - The Life Cycle of an Investor Late 20s - Early 30s https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1588982446157-XPROHCNKWX3ZY03TW0YQ/image-asset.png Blog - The Life Cycle of an Investor Late 30s - Early 40s https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1588982479263-RYNW0N0NSS3YCCEKBAIA/financial-independence.png Blog - The Life Cycle of an Investor Financial Independence https://www.thehappysaver.com/blog/why-save-plot-and-plan-for-my-financial-future monthly 0.5 2020-05-24 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1589666400153-MBR8P2ZSRW5REJ96YS4N/curling-central-otago.jpg Blog - Why save, plot and plan for my financial future? Curling on a cold Central Otago night. https://www.thehappysaver.com/blog/snippets-and-lessons-from-fellow-happy-savers monthly 0.5 2020-05-31 https://www.thehappysaver.com/blog/kernel-index-funds-review monthly 0.5 2025-07-08 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1590121767364-PUIWOB700XHO28AJHOBG/Kernel-NZ-20-Fund-Returns.png Blog - Kernel Index Funds Review Kernel NZ 20 Fund returns and the S&P/NZX 20 returns https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1590121837135-MXR3Y6O6C7JO7QABI9KL/Kernel-NZ-Level-9-Fund-Returns.png Blog - Kernel Index Funds Review Kernel NZ Small & Mid Cap Opportunities Fund returns and the S&P/NZX Emerging Opportunities returns https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1590121903777-SK3RKEHMTHJ21Y5ZXWRA/Kernel-NZ-Commercial-Property-Fund-Returns.png Blog - Kernel Index Funds Review Kernel NZ Commercial Property Fund returns and the S&P/NZX Real Estate Select returns https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1590120630022-ONNZVQ12Q9MT3JY027JG/Buy-100-NZD-Kernel-NZ-20-Fund.png Blog - Kernel Index Funds Review Buying $100.00 NZD of the Kernel NZ 20 Fund https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1590128559756-1UELIACI5SZY7S9WNXXO/Kernel-NZ-20-Fund.png Blog - Kernel Index Funds Review 5 year return of 14.61% for the S&P/NZX 20 index https://www.thehappysaver.com/blog/did-my-financial-plan-stand-up-to-the-test monthly 0.5 2024-09-30 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1591915781114-RAEIDSXZS8M9CKVMQ4JZ/PocketSmith-Pinwheel.png Blog - Did my financial plan stand up to the test? My colour coded Earning and Spending Pinwheel for April https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1591924578953-KSSZDTV0DXWPBL84M81H/Sharesight-Smartshares-NZ-Top-50.png Blog - Did my financial plan stand up to the test? My Sharesight graph showing the NZ Top 50 fund from when I first started investing in this fund. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1591928386179-LWWMWO14JIVOI13ZG9B1/PocketSmith-Super-Plan-Giveaway.png Blog - Did my financial plan stand up to the test? PocketSmith Super Plan Giveaway https://www.thehappysaver.com/blog/in-the-unfortunate-event-of-death-wills monthly 0.5 2024-09-30 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1593218990071-BCNN2WGTVK684XGGWDKN/tv-shelf.jpg Blog - In the unfortunate event of Death - Wills https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1593218994744-6M8396KBEB7A6USTHI6C/restoring-chair.jpg Blog - In the unfortunate event of Death - Wills https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1593218994294-1JCAJ6NSQLUWNOLX6DK3/plant-pot-cover.jpg Blog - In the unfortunate event of Death - Wills https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1593218995996-B81269AP3AFE6RDJPY4L/public-trust.jpg Blog - In the unfortunate event of Death - Wills https://www.thehappysaver.com/blog/what-is-a-sinking-fund monthly 0.5 2020-07-12 https://www.thehappysaver.com/blog/smartshares-nz-top-50-vs-sp-nzx-50 monthly 0.5 2024-09-30 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1595643514486-7B5PLV94M5HXAIZ42S48/Ryman-Healthcare-market-capitalisation.png Blog - Smartshares NZ Top 50 vs S&P/NZX 50 Example of market capitalisation for Ryman Healthcare as at 21 July 2020 Image source: nzx.com https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1595643887690-ZUK2MEFUHTYC8786CXH4/S%26P-NZX-50-Top-10-Holdings.png Blog - Smartshares NZ Top 50 vs S&P/NZX 50 Top 10 Holdings of the NZG as at 15 July 2020 Image source: smartshares.co.nz https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1595643943366-5CFVQ6PZ6WKMA1U86UKX/NZ-Top-50-Top-10-Holdings.png Blog - Smartshares NZ Top 50 vs S&P/NZX 50 Top 10 Holdings of the FNZ as at 30 June 2020 Image source: smartshares.co.nz https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1595644226322-3RHLK7PHQBYBXTNBI6WD/Meridian-Energy-Price-History.png Blog - Smartshares NZ Top 50 vs S&P/NZX 50 1 year price history for Meridian Energy Image source: nzx.com https://www.thehappysaver.com/blog/what-does-locking-in-your-losses-mean monthly 0.5 2020-08-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1596839481869-EXTNUBRIRI6AHOZ2ANGH/Simplicity-KiwiSaver-Growth-Fund-Returns.png Blog - What does ‘locking in your losses’ mean? Graph showing my Simplicity KiwiSaver Growth Fund Returns https://www.thehappysaver.com/blog/just-wondering-sorted-money-week-q-and-a monthly 0.5 2024-09-06 https://www.thehappysaver.com/blog/frugal-hack-buying-glasses-online monthly 0.5 2024-09-06 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1598094718289-TCTSAATSA6UX2QRDUNDD/How-to-Read-Glasses-Frame-Measurements.png Blog - Frugal Hack: Buying Glasses Online Your current glasses should have frame measurements on the inside arm. This will give you a good starting point for finding the right fit. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1598092868618-NT5VAQ24X17YN0Y2AODB/Progressive-39dollarglasses.png Blog - Frugal Hack: Buying Glasses Online Progressives - 39 Dollar Glasses https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1598092957358-KGLDQJRXJ4JA4P5MWH41/Single-Vision-39dollarglasses.png Blog - Frugal Hack: Buying Glasses Online Single Vision - 39 Dollar Glasses https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1598092320196-R430F4PGCEZZ4CU42IT1/Sunglasses-39dollarglasses.png Blog - Frugal Hack: Buying Glasses Online Sunglasses - 39 Dollar Glasses https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1598085375798-FN9Z230WC2YZ6GL5OXD9/Clearly+Online+Eyewear.jpg Blog - Frugal Hack: Buying Glasses Online Jonny’s new pair of progressive glasses. https://www.thehappysaver.com/blog/us-shares-now-available-on-sharesies monthly 0.5 2024-09-30 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1599180338847-H15ZHDTM9A8QNJSBMMLG/Sharesies-Smartshares-NZ-Property-Fund.png Blog - US shares now available on Sharesies Sharesies - Smartshares NZ Property Fund - early September 2020 https://www.thehappysaver.com/blog/what-should-i-do-with-my-bonus-bonds monthly 0.5 2020-09-20 https://www.thehappysaver.com/blog/should-you-combine-finances-with-your-spouse monthly 0.5 2020-10-18 https://www.thehappysaver.com/blog/portfolio-rebalance-its-more-enjoyable-than-it-sounds monthly 0.5 2020-11-13 https://www.thehappysaver.com/blog/the-bitcoin-experiment-is-over monthly 0.5 2024-09-30 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1602923360608-X3OZKLD2AKTFPEDM17IN/bitcoin-transactions.png Blog - The Bitcoin experiment is over! Bitcoin transactions between October - December 2017. When dollar cost averaging goes wrong. Graph Source: coindesk.com https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1602924562765-7P2K2OV4SLMWPWWBGUKI/Sharesight-Smartshares-NZ-Top-50-ETF-Dummy-Portfolio.png Blog - The Bitcoin experiment is over! Dummy portfolio in Sharesight showing an 18% return. https://www.thehappysaver.com/blog/i-dont-believe-the-phrase monthly 0.5 2024-09-30 https://www.thehappysaver.com/blog/reimagining-my-budgets-with-pocketsmith monthly 0.5 2024-09-06 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1605341679936-538LDSN3ZG9V7LIH8FWG/My-PocketSmith-Dashboard.png Blog - Reimagining my budgets with PocketSmith My PocketSmith Dashboard packed with what I think is incredibly useful information. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1605388235242-VTUWGE3TV9ZT8QRNXP9I/Jonnys-PocketSmith-Dashboard.png Blog - Reimagining my budgets with PocketSmith Jonny’s PocketSmith Dashboard is a whole lot simpler. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1605343318916-R2F7WLN1OX6TAII825EG/PocketSmith-Balance-Graph.png Blog - Reimagining my budgets with PocketSmith PocketSmith Balance Graph widget https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1605343449941-DUEWTUTCHR7TSPUREU32/PocketSmith-Earning-Spending.png Blog - Reimagining my budgets with PocketSmith PocketSmith Earning and Spending widget https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1605343697500-EX5CHDW84A695MZPJ9ZT/PocketSmith-Budget.png Blog - Reimagining my budgets with PocketSmith PocketSmith Budget widget https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1605386403078-3XV4A5CO3YOB9KOGJY98/PocketSmith-Categorize.png Blog - Reimagining my budgets with PocketSmith PocketSmith Categorize widget https://www.thehappysaver.com/blog/book-review-money-lessons-for-my-younger-self monthly 0.5 2024-09-06 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1607208569893-WBNQ9ABWOF5W394VVHPR/6.9-Hands-Off-Your-KiwiSaver-Nick-Carr.jpg Blog - Book Review: Money Lessons For My Younger Self Chapter 6.9 Hands Off Your KiwiSaver (my margin note says “Agreed”!) https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1607070726852-0QNP8RX3FPPVNUC7GYN9/Money-Lessons-For-My-Younger-Self-Nick-Carr.png Blog - Book Review: Money Lessons For My Younger Self Money Lessons For My Younger Self - Nick Carr https://www.thehappysaver.com/blog/2020-money-wins monthly 0.5 2024-09-30 https://www.thehappysaver.com/blog/consistency-and-planning-boring-yet-effective monthly 0.5 2024-09-06 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1611276301964-YBH38KOBN2D30JHFYSV2/Consistency-and-Planning-Sinking-Funds.png Blog - Consistency and Planning, boring yet effective. Sinking Funds for each thing I’m saving for. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1611272161106-HBBZZWRO93XACPTK9RMJ/Blue-Pools-Haast-Pass.jpg Blog - Consistency and Planning, boring yet effective. Blue Pools on the Haast Pass https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1611272182425-O8L08R84KEY1TISD86VC/Franz-Josef-Glacier.jpg Blog - Consistency and Planning, boring yet effective. The Franz Josef Glacier is behind the cloud. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1611272242448-PRG83PBUR124MVR2X1NN/Tree-Top-Walk-Hokitika.jpg Blog - Consistency and Planning, boring yet effective. Walking on the Tree Top Walk near Hokitika. https://www.thehappysaver.com/blog/borrowing-money-wont-take-you-where-you-want-to-go monthly 0.5 2021-02-07 https://www.thehappysaver.com/blog/i-wont-lend-my-daughter-money monthly 0.5 2021-03-21 https://www.thehappysaver.com/blog/become-your-own-financial-advisor monthly 0.5 2024-09-30 https://www.thehappysaver.com/blog/financial-peace-in-an-emergency monthly 0.5 2023-02-24 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1615099838713-GX6L97AEB25MC25MGYKN/Expected-and-Saved-For-Unexpected-and-Not-Saved-For.png Blog - Financial Peace in an Emergency Expected and Saved For - Unexpected and Not Saved For https://www.thehappysaver.com/blog/an-alternative-to-property-investment-that-works monthly 0.5 2024-09-30 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1613437780444-2M9UDUB4RNLWXHCS2NR2/Ben-Lomond-Queenstown.jpg Blog - An Alternative to Property Investment that Works A walk/run up Ben Lomond was rewarded with a great view of Lake Wakatipu https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1613788341499-3MDIH6EQ33XP2B3CQVOI/Investment-Breakdown-The-Happy-Saver.png Blog - An Alternative to Property Investment that Works KiwiSaver, Smartshares FNZ + USF and Meridian Energy investments for the previous five years. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1613786117291-VELGGEXQQSLPFBK2K4DD/NZX-50-Index-5-years.png Blog - An Alternative to Property Investment that Works Last 5 years of the NZX 50 Index Source Google https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1613787727446-1G0QZ46I7I6W5OXBMBW5/S-P-500-Index-5-years.png Blog - An Alternative to Property Investment that Works Last 5 years of the S&P 500 Index Source Google https://www.thehappysaver.com/blog/should-i-buy-vtsax-or-us-500-in-new-zealand monthly 0.5 2024-09-30 https://www.thehappysaver.com/blog/begin-at-the-beginning monthly 0.5 2024-09-06 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1619861337297-ZDLWSBTXQNQE2990DOPQ/Net-Worth-Calculation.png Blog - Begin at the Beginning: Step-by-step Path to Financial Independence An example of a simple two column spreadsheet to calculate net worth. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1619858839300-ZCNOASVWURLP0UEX8SZ0/Our-Net-Worth.png Blog - Begin at the Beginning: Step-by-step Path to Financial Independence Graph showing our net worth since 2015. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1619918046770-9SFM9QIAWTKEPK3Z015P/Sharesight-Smartshares-NZ-Top-50.png Blog - Begin at the Beginning: Step-by-step Path to Financial Independence Sharesight graph showing my Smartshares NZ Top 50 ETF which currently has a return of 15.26% p.a. https://www.thehappysaver.com/blog/kiwisaver-and-first-home-invest-for-both monthly 0.5 2021-04-18 https://www.thehappysaver.com/blog/was-i-right-or-wrong-checking-what-if-share-investing-scenarios monthly 0.5 2021-05-16 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1620959087320-XZHHFFTMGV58LJRH38LF/Sharesight-Share-Checker-Smartshares-NZG-vs-FNZ.png Blog - Was I right or wrong? Checking ‘what if’ share investing scenarios. - Make it stand out Sharesight Share Checker comparing the 6 month performance of Smartshares NZG (3.55%) vs FNZ (8.26%). Click on the image to enlarge. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1620959041930-KV8A4WC0YXSGQCTLU1D0/Sharesight-Share-Checker-Hatch-SHE_vz_VTI.png Blog - Was I right or wrong? Checking ‘what if’ share investing scenarios. - Make it stand out Sharesight Share Checker comparing the 12 month performance of the Gender Diversity Index ETF (27.97%) vs Vanguard Total Stock Market ETF (28.86%). Click on the image to enlarge. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1620961325316-UOA96N6SIHUEJDX2WH5C/Sharesight-Share-Checker.png Blog - Was I right or wrong? Checking ‘what if’ share investing scenarios. - Make it stand out Sharesight Share Checker https://www.thehappysaver.com/blog/book-review-a-richer-you-mary-holm monthly 0.5 2025-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1622242616239-TLFLEMKCSFST3A8J9J7T/A-Richer-You-by-Mary-Holm-The-Happy-Saver.jpg Blog - Book Review: A Richer You - How to Make the Most of Your Money - Make it stand out A mention of The Happy Saver from page 10-11 of the book. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1622244149403-DMFR8OJ5N3PVVXE05Q2Z/A-Richer-You-by-Mary-Holm-251.jpg Blog - Book Review: A Richer You - How to Make the Most of Your Money https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1622244149862-RL9A6TGD2HDG25QU3LK0/A-Richer-You-by-Mary-Holm-107.jpg Blog - Book Review: A Richer You - How to Make the Most of Your Money https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1622244148753-4N9DANJNOBBMF4CB6RDY/A-Richer-You-by-Mary-Holm-134.jpg Blog - Book Review: A Richer You - How to Make the Most of Your Money https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1622244150527-GOPUEQJ26ZZ2UE7Z7I5H/A-Richer-You-by-Mary-Holm-137.jpg Blog - Book Review: A Richer You - How to Make the Most of Your Money https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1622200096297-4M39S5S6OYQSJBYS18JN/A-Richer-You-Mary-Holm.png Blog - Book Review: A Richer You - How to Make the Most of Your Money - Make it stand out A Richer You by Mary Holm https://www.thehappysaver.com/blog/free-money-have-you-contributed-enough-to-your-kiwisaver monthly 0.5 2021-06-06 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1622716959250-3SA8XE9AYBZTT5DUBN3G/My-Simplicity-KiwiSaver-Growth-Fund-Summary.png Blog - FREE MONEY! Have you contributed enough to your KiwiSaver? - Make it stand out My Simplicity KiwiSaver Growth Fund Summary - Click image to enlarge https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1622718730531-PCA80IVN5ZDQQ69XWR6J/Employee-Contributions-into-KiwiSaver.png Blog - FREE MONEY! Have you contributed enough to your KiwiSaver? - Make it stand out My Employee Contributions into Simplicity Growth Fund. Click image to enlarge https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1622718756593-G3AM8BG457KGK42SMP87/Voluntary+Contributions+into+KiwiSaver.png Blog - FREE MONEY! Have you contributed enough to your KiwiSaver? - Make it stand out My Voluntary Contributions into Simplicity Growth Fund. Click image to enlarge https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1622755018052-KJ11L8V9PSD4N0JY2D5W/KiwiSaver-Government-Contribution.jpg Blog - FREE MONEY! Have you contributed enough to your KiwiSaver? - Make it stand out This is what the government contribution of $521.50 looks like. https://www.thehappysaver.com/blog/pulling-the-plug-selling-meridian-energy monthly 0.5 2021-06-20 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1624012088820-0VTW677GOBKZK61BCFOC/Sharesight-Meridian-Energy-Returns.png Blog - Pulling the plug on individual shares: Selling Meridian Energy (MEL) - Make it stand out My Sharesight screen shows that it’s been a good ride with good returns. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1624150216832-S4IQ79570PIMTYV24EEZ/Sharesies-Meridian-Energy-Market-Sell.png Blog - Pulling the plug on individual shares: Selling Meridian Energy (MEL) - Make it stand out I was extremely impressed with the ease and speed of this transaction with Sharesies. https://www.thehappysaver.com/blog/my-13-year-old-has-an-800-dollar-phone monthly 0.5 2024-09-30 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1625349680562-LOZ99OU4J1IZKD0SN4JE/Sharesies-US-500-Fund.png Blog - My 13-year-old has an $800 phone - Make it stand out Sharesies - Smartshares US 500 Fund +29.64% return https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1625349705135-3JL7EO56AO6UNTUN0TRX/new-phone-savings-tracker.jpg Blog - My 13-year-old has an $800 phone - Make it stand out Left: My attempt at a savings tracker - Right: Her far better savings tracker https://www.thehappysaver.com/blog/the-happy-saver-tertiary-scholarship monthly 0.5 2021-07-18 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1626511938322-JCHEO8FN3D9RTHUS8JOO/The-Happy-Saver-Tertiary-Scholarshop-500-Dollars.jpg Blog - The Happy Saver Tertiary Scholarship - Make it stand out $500 cash and a letter outlining the scholarship and detailing why we thought her a worthy recipient. https://www.thehappysaver.com/blog/five-years-of-personal-finance-blogging monthly 0.5 2024-09-30 https://www.thehappysaver.com/blog/what-the-fif-foreign-tax-and-how-to-pay-it monthly 0.5 2022-04-13 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1630114318354-94JO292PFRNTFU5WD5EM/Interest-and-Resident-Withholding-Tax.jpg Blog - What the FIF? Foreign Tax and How to Pay It - Make it stand out Our Emergency Fund showing Interest Received and Resident Withholding Tax paid. https://www.thehappysaver.com/blog/does-investing-in-index-funds-or-etfs-work monthly 0.5 2024-09-30 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1628988041331-8I4WLXF07LJHB6SPG2AT/Smartshares-NZ-Top-50-Total-Returns.png Blog - Does investing in Index Funds or ETFs work? - Make it stand out Smartshares NZ Top 50 ETF https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1628888722101-AP31OD3BF44TWCWC4KQ3/Smartshares-US-500-Total-Returns.png Blog - Does investing in Index Funds or ETFs work? - Make it stand out Smartshares US 500 ETF https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1628974290678-6W1BTPPBLVY1S6IP8RWB/rule-of-72-the-happy-saver.png Blog - Does investing in Index Funds or ETFs work? - Make it stand out The Rule of 72 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1628830803031-0X49OH4PPL3SKAM1P5SX/Investment-heading-in-the-right-direction.png Blog - Does investing in Index Funds or ETFs work? - Make it stand out Our net worth is heading in the right direction over time. And that is Up! https://www.thehappysaver.com/blog/my-top-4-kiwisaver-growth-funds monthly 0.5 2024-09-30 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1631058162521-U0YWF58ALX1Y4FNF5FU3/KiwiSaver-Awards.jpg Blog - My Top 4 KiwiSaver Growth Funds - Make it stand out A selection of just some of the awards given to KiwiSaver providers. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1631053077806-UP71LYA4GSJXFS7MGGTV/Simplicity_KiwiSaver_Growth_Fund_Update.png Blog - My Top 4 KiwiSaver Growth Funds - Make it stand out My Simplicity Growth Fund has just ticked over $100,000. https://www.thehappysaver.com/blog/are-you-scared-of-not-buying-a-house monthly 0.5 2024-09-30 https://www.thehappysaver.com/blog/natural-spender-or-natural-saver monthly 0.5 2021-11-06 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1635032899631-LQYQ9W1YZKXK7925IDO0/cut-up-credit-card.png Blog - Natural spender or natural saver? - Make it stand out A picture of a chopped up credit card sent in by a fellow Happy Saver. https://www.thehappysaver.com/blog/how-to-pay-cash-for-tertiary-education monthly 0.5 2021-11-07 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/b41e6c8a-fb38-4225-afde-03a758019b80/Sharesies-Portfolio.png Blog - How to Pay Cash for Tertiary Education - Make it stand out My daughters Sharesies account which is earmarked for her tertiary education. https://www.thehappysaver.com/blog/the-happy-saver-christmas-gift-giveaway monthly 0.5 2024-09-30 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1b220113-6d81-40e2-8693-071d22da8fca/Coffee-Supreme-Giveaway.png Blog - The Happy Saver Christmas Gift Giveaway! - Make it stand out Coffee Supreme - Giveaway https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/c01f3985-6410-46ef-9546-bf6250cbe07b/The-Simple-Path-to-Wealth-Giveaway.png Blog - The Happy Saver Christmas Gift Giveaway! - Make it stand out The Simple Path to Wealth - Giveaway https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/2dea3f65-6f49-4346-bb80-121620bf8e58/The-Richest-Man-in-Babylon-Giveaway.png Blog - The Happy Saver Christmas Gift Giveaway! - Make it stand out The Richest Man in Babylon - Giveaway https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/750b63a4-7d48-4941-b773-7417c325a285/The-Total-Money-Makeover-Giveaway.png Blog - The Happy Saver Christmas Gift Giveaway! - Make it stand out The Total Money Makeover by Dave Ramsey - Giveaway https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/4998fc0e-61ee-4ca0-9646-0758e3876bb6/The-Barefoot-Investor-Giveaway.png Blog - The Happy Saver Christmas Gift Giveaway! - Make it stand out The Barefoot Investor - Giveaway https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/bbf883db-6ef0-4b3b-8400-403814c2fc54/PocketSmith-Giveaway.png Blog - The Happy Saver Christmas Gift Giveaway! - Make it stand out PocketSmith - Giveaway https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/aaf63694-31cc-4161-b0ac-c87950aabe3e/Sharesight-Giveaway.png Blog - The Happy Saver Christmas Gift Giveaway! - Make it stand out Sharesight - Giveaway https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/f6810c08-3952-4541-a2ad-6d349bb884cc/My-Peace-of-Mind-Giveaway.png Blog - The Happy Saver Christmas Gift Giveaway! - Make it stand out Peace of Mind - Giveaway https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/dfa8ae7d-749a-4ea8-ae5b-0df4dbda65ee/Kernel-Giveaway.png Blog - The Happy Saver Christmas Gift Giveaway! - Make it stand out Kernel - Giveaway https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/f10e5384-e29c-458e-aff2-fa67f1853c4e/Sharesies-Giveaway.png Blog - The Happy Saver Christmas Gift Giveaway! - Make it stand out Sharesies - Giveaway https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/2999a413-8acc-4e11-ba57-d37c83aaacf9/Hatch-Giveaway.png Blog - The Happy Saver Christmas Gift Giveaway! - Make it stand out Hatch - Giveaway https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/7930ac1c-fbb3-47c2-8c6e-e2764c68e587/The-Happy-Saver-Tertiary-Scholarship-Giveaway.png Blog - The Happy Saver Christmas Gift Giveaway! - Make it stand out The Happy Saver Tertiary Scholarship - Giveaway https://www.thehappysaver.com/blog/what-does-my-home-cost-to-run-each-week monthly 0.5 2024-09-06 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/aacdd1e8-d50b-42ca-9aef-e06840ce24ed/chaos-gardening-method-outside-seating-area.png Blog - What does my home cost to run each week? - Make it stand out A nice place to sit in the summer under the shade of our hops plant. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/60e3d1e4-b48d-43c6-934c-3864370dfb0e/retro-curtains.png Blog - What does my home cost to run each week? - Make it stand out Second-hand $20 retro curtains. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/61ca280d-c5bb-43a4-b972-ca612a8e7a88/house-running-costs.png Blog - What does my home cost to run each week? - Make it stand out House running cost over the past 3 years. https://www.thehappysaver.com/blog/happy-christmas monthly 0.5 2024-09-30 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/2fc62baa-ddf1-417d-bc62-63584d5efd79/overgrown-path.png Blog - Happy Christmas! - Make it stand out The overgrown path to my studio. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/057a7612-ae37-4493-9a9c-083036764ff7/dogs-sleeping.jpg Blog - Happy Christmas! - Make it stand out My dog Blue and my nephews dog having a nap. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/06b5a7ce-fac6-4318-a28f-42bd84ef9e15/dogs-playing.jpg Blog - Happy Christmas! - Make it stand out Rough and tumble play. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/78630f3f-9323-4f8a-8082-a2e0ed1fa726/chewed-through-lead.jpg Blog - Happy Christmas! - Make it stand out Naughty dog. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/660c1791-f99d-431b-b8e2-92d045d217bc/kiwi-girl-on-a-budget-the-happy-saver.png Blog - Happy Christmas! - Make it stand out Taking Bradie and Paul from @kiwigirlonabudget for a tour around Alexandra. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/f3e726cd-3fb5-413f-9aee-3a29e959550e/NZX50-5Year.png Blog - Happy Christmas! - Make it stand out Graph showing the 5 year growth of the NZX 50. Source: tradingeconomics.com https://www.thehappysaver.com/blog/debt-wont-solve-your-money-problems monthly 0.5 2022-02-06 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/dfb5c506-f108-4279-a2af-0888250b8c1a/My-Simple-Plan-The-Happy-Saver.jpg Blog - Debt won’t solve your money problems - Make it stand out The simple plan my whānau and I live by. https://www.thehappysaver.com/blog/how-is-my-kernel-s-and-p-kensho-moonshots-innovation-fund-performing monthly 0.5 2024-09-30 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/c15673fe-e1ca-46a0-a68a-d5fbcefa410a/Kernel-S-and-P-Kensho-Moonshots-Fund-Returns.png Blog - How is my “Kernel S&P Kensho Moonshots Innovation Fund” performing? - Make it stand out Screen showing the downward slide of the fund. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/852303bc-5c9d-4eaa-b264-c3f6c03deae8/Sharesight-Kernel-S-and-P-Kensho-Moonshots-Innovation-Fund.png Blog - How is my “Kernel S&P Kensho Moonshots Innovation Fund” performing? - Make it stand out Sharesight screen showing the performance of the fund compared to the NZ Top 50. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/4ff64bb2-6909-42c7-88d9-682428a4acab/Kernel-S-and-P-Kensho-Moonshots-Index-Fund-Returns.png Blog - How is my “Kernel S&P Kensho Moonshots Innovation Fund” performing? - Make it stand out Screen showing the difference between Index Returns for 1 year and Fund Returns for almost 1 year. https://www.thehappysaver.com/blog/do-you-think-you-should-combine-your-finances monthly 0.5 2024-09-06 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/7c19c7c6-d82a-4f06-9465-f6c3c060e003/The-Happy-Saver-Studio-Cat-Dog.jpg Blog - Do you think you should combine your finances? - Make it stand out The Happy Saver studio and my writing buddies. https://www.thehappysaver.com/blog/what-to-do-with-an-inheritance monthly 0.5 2022-03-15 https://www.thehappysaver.com/blog/why-buy-now-pay-later-sucks monthly 0.5 2024-09-06 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/59fa2aef-03c3-47c1-a3fd-c15d43411132/PocketSmith+Dashboard+Bank+Accounts.png Blog - Why Buy Now Pay Later Sucks - Make it stand out PocketSmith dashboard showing different bank accounts, each serving a particular purpose. https://www.thehappysaver.com/blog/budgeting-for-the-first-time monthly 0.5 2024-09-06 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/0e74c9c8-fc32-4222-9476-5f54221a1880/Sorted-Budgeting-Tool-Home.png Blog - Budgeting for the first time? - Make it stand out Sorted.org.nz Budgeting Tool https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/7513dddb-3490-4730-9418-1639185d71d8/Sorted-Budgeting-Tool-Amount-To-Budget.png Blog - Budgeting for the first time? - Make it stand out In my case, our combined January 2022 income was $6,000. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/d7853202-e67d-4126-aa11-184192a0c6d4/Sorted-Budgeting-Tool-Budget-Breakdown.png Blog - Budgeting for the first time? - Make it stand out I have called my budget “January 2022”. In my case, we spent $4,250, leaving a surplus of $1,750. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/45ce5308-7414-4a9b-bf60-baecfee048fb/Sorted-Budgeting-Tool-Subcategories.png Blog - Budgeting for the first time? - Make it stand out This shows the subcategories under “Everyday Expenses” in January 2022. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/f14e1f75-593f-437d-b132-17ff04655cff/PocketSmith-Logo.png Blog - Budgeting for the first time? - Make it stand out Pocketsmith - The best personal finance software for all walks of life. https://www.thehappysaver.com/blog/book-review-why-does-the-stock-market-go-up monthly 0.5 2025-04-27 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/d38d2190-34d4-4e48-a96d-f714c7595652/Why-Does-The-Stock-Market-Go-Up-Brian-Feroldi.png Blog - Book Review: Why Does The Stock Market Go Up? - Make it stand out Why Does The Stock Market Go Up Brian Feroldi https://www.thehappysaver.com/blog/following-mr-money-mustaches-simple-strategy-to-financial-freedom monthly 0.5 2024-09-30 https://www.thehappysaver.com/blog/what-is-my-saving-and-investing-rate monthly 0.5 2024-09-06 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/7399f757-1099-44c9-9afc-70cfc8faf039/Early-Retirement-Savings-Rate.png Blog - What is my saving and investing rate? - Make it stand out Source: Mr. Money Mustache https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/ba9cceb0-ab06-4f83-8e4c-26803229c1f3/Savings-Rate-PocketSmith.png Blog - What is my saving and investing rate? - Make it stand out Our savings rate calculated in PocketSmith. https://www.thehappysaver.com/blog/kiwisaver-for-kids-yes-please monthly 0.5 2022-06-05 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/c3b01520-1c4c-4feb-9e96-e49d42aee0a1/My-daughters-KiwiSaver-trajectory.png Blog - KiwiSaver for kids? YES, please! - Make it stand out Graph showing the trajectory of my daughters KiwiSaver. https://www.thehappysaver.com/blog/book-review-cracking-open-the-nest-egg monthly 0.5 2025-04-27 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/192beb2d-b456-4f14-861a-0a98a66b25a0/Cracking-Open-the-Nest-Egg-Martin-Hawes.png Blog - Book Review: Cracking Open the Nest Egg - Make it stand out Cracking Open the Nest Egg by Martin Hawes https://www.thehappysaver.com/blog/pandemic-investing monthly 0.5 2024-09-06 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/cafa5417-6133-4c1a-972d-c43d7627b532/Balance-Investments-into-my-US-500-ETF-2020-2022.png Blog - Pan(dem)ic Investing! - Make it stand out Graph showing each months balance, what was invested each month and the per unit/share price for the US 500 ETF. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/e47159dc-ac4e-4053-b75e-d2e4024fd3b7/SP-500-All-Time-Graph.png Blog - Pan(dem)ic Investing! - Make it stand out Market Summary of the S&P 500 https://www.thehappysaver.com/blog/we-just-received-a-windfall monthly 0.5 2022-07-31 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/c7dcaea8-4ae6-48cb-9c5f-813e616e684c/Financial-Life-Structure.jpg Blog - We just received a $68,082.50 windfall! - Make it stand out I structure our financial life based on a small card on my studio shelf. https://www.thehappysaver.com/blog/we-have-cancelled-another-insurance-policy monthly 0.5 2024-09-06 https://www.thehappysaver.com/blog/weekly-vs-monthly-investing monthly 0.5 2022-09-16 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/5930b83c-b301-4e2b-b1cb-fe7581bb496e/Sorted-Savings-Calculator-Weekly-vs-Monthly.png Blog - Weekly vs Monthly Investing? - Make it stand out Sorted Savings Calculator showing the predicted difference between saving weekly and monthly. Click on the image to enlarge. Source: www.sorted.org.nz https://www.thehappysaver.com/blog/how-to-take-a-year-off-and-not-starve monthly 0.5 2024-09-30 https://www.thehappysaver.com/blog/which-is-better-twf-or-usf monthly 0.5 2022-10-02 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/eb8ac082-2470-41e2-b46c-a1b961b49176/FTSE-Global-All-Cap-Index-Fund.png Blog - Which is better: TWF or USF? - Make it stand out FTSE Global All Cap Index Market Allocation: The Smartshares Total World ETF invests in the Vanguard Total World Stock ETF, which is designed to track the return on the FTSE Global All Cap Index. Click on the image to enlarge. Source: www.vanguardinvestor.co.uk https://www.thehappysaver.com/blog/know-the-retirement-savings-statistics-and-then-beat-them monthly 0.5 2024-09-06 https://www.thehappysaver.com/blog/debt-free-questionnaire monthly 0.5 2022-11-14 https://www.thehappysaver.com/blog/lotto-loser-investing-winner monthly 0.5 2022-11-21 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/89094573-1814-46a9-a8b5-a30d1a1cc521/Sharesight-Lotto-vs-US500.png Blog - Lotto Loser / Investing Winner! - Make it stand out My fictitious Lotto vs US 500 investment in Sharesight. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/84abd242-43ea-4d3b-b5b9-ffe5c2227601/Sharesight-Lotto-vs-US500-All-Distributions.png Blog - Lotto Loser / Investing Winner! - Make it stand out Fictitious investment in Sharesight showing the dividend returns over 5 years. Note: Distributions are paid twice a year. https://www.thehappysaver.com/blog/book-review-barefoot-kids monthly 0.5 2025-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/76c9e208-b2e6-4f60-ad3d-a03e4c9408c4/Barefoot-Kids-Sickers.png Blog - Book Review: Barefoot Kids - Make it stand out Some of the stickers you will find at the back of the book. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/9b520a38-f68d-4078-9911-4f2c37f40e00/Ivys-creative-projects.jpg Blog - Book Review: Barefoot Kids - Make it stand out A very small sample of the creative projects that Ivy has made. Some of which she has sold, like the beeswax lip balm. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/3291525c-48b5-4699-9a91-887a17e677d2/Barefoot-Kids-Scott-Pape.png Blog - Book Review: Barefoot Kids - Make it stand out Barefoot Kids by Scott Pape https://www.thehappysaver.com/blog/2022-review-and-net-worth-update monthly 0.5 2024-09-06 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/39dceb3f-fdb7-48a1-9d15-43aabec244dd/S%26P-500-over-time-the-share-market-goes-up.png Blog - 2022 Review & Net Worth Update - Make it stand out Market Summary of the S&P 500 showing how over time the share market goes up. Source: Google Finance https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/af428517-ec0d-4da3-8e64-f39c591ea068/Net-Worth-Growth-Year-Upon-Year.png Blog - 2022 Review & Net Worth Update - Make it stand out Despite ‘everything’ going on in the world and here in Aotearoa, our net worth continues to grow year upon year. https://www.thehappysaver.com/blog/we-now-work-just-two-days-a-week monthly 0.5 2023-02-12 https://www.thehappysaver.com/blog/the-power-of-an-emergency-fund-in-a-crisis monthly 0.5 2024-09-06 https://www.thehappysaver.com/blog/paying-in-advance-is-a-far-more-relaxing-way-to-travel monthly 0.5 2024-09-06 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1678485897624-9DLUOZB2MIH8TP7A003V/Quantum-of-the-Seas.jpg Blog - Paying in advance is a far more relaxing way to travel! Royal Caribbean Quantum of the Seas, our home for 7 nights. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1678485908982-IHTAOP96B4QEFH19ZEEX/Welcome-Aboard-Quantum-of-the-Seas.jpg Blog - Paying in advance is a far more relaxing way to travel! Welcome aboard cupcakes. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1678485901210-A1YCIBV1C70LG6BKZP8V/Airlie-Beach-Whitsundays-on-Quantum-of-the-Seas.jpg Blog - Paying in advance is a far more relaxing way to travel! View from our balcony near Airlie Beach and the Whitsundays. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1678485902222-I4DPOYRNMIV8I7BDEUR6/Looking-onto-upper-deck-of-Quantum-of-the-Seas.jpg Blog - Paying in advance is a far more relaxing way to travel! Looking down onto the top deck. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1678487738880-MPG57C0C7H24XKNXQ419/Snorkelling-the-Great-Barrier-Reef.jpg Blog - Paying in advance is a far more relaxing way to travel! Snorkelling on the Great Barrier Reef with my daughter. The Great Barrier was amazing! https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1678485904304-2LCRROP1UV7W5EHKY6KQ/Breakfast-on-Quantum-of-the-Seas.jpg Blog - Paying in advance is a far more relaxing way to travel! My daughter’s breakfast. The food was great and never-ending. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1678485909265-5I3K4RH6TYI6UD4CK7E7/Sunset-on-Quantum-of-the-Seas.jpg Blog - Paying in advance is a far more relaxing way to travel! Sunset from our balcony. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1678488654065-ACWF9CCYTIU8N384A46H/Quantum-of-the-Seas-at-night.jpg Blog - Paying in advance is a far more relaxing way to travel! A walk around the ship after dinner. Here you can see the walking/running track, where we ran 5km most mornings before breakfast. 9.12 Laps equals 5km. https://www.thehappysaver.com/blog/a-glimpse-at-my-inbox monthly 0.5 2024-09-06 https://www.thehappysaver.com/blog/life-admin-im-changing-banks monthly 0.5 2024-09-30 https://www.thehappysaver.com/blog/setting-kids-up-for-a-strong-financial-future monthly 0.5 2024-09-30 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/19a79aec-69b6-4959-b129-4915b4a92d9b/foster-puppy-morty.jpg Blog - Setting Kids Up for a Strong Financial Future - Make it stand out Morty our foster puppy. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/c0ff37e3-a2bd-41c3-b499-7f3341474eeb/net-worth-graph.png Blog - Setting Kids Up for a Strong Financial Future - Make it stand out My hand drawn graph showing my 15-year-old daughters net worth progression over time. Why are there blank spaces? I forgot to update it. Nobody’s perfect! https://www.thehappysaver.com/blog/will-i-be-changing-my-kiwisaver-from-growth-to-high-growth monthly 0.5 2023-05-21 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/2979a758-b2ea-4c24-a84f-9b7428dd2288/Simplicity-KiwiSaver-Growth-Fund.png Blog - Will I be changing my KiwiSaver from Growth to High Growth? - Make it stand out Simplicity KiwiSaver Growth Fund https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/d7c39c3f-57ac-4398-acfc-462f937a0327/Simplicity-KiwiSaver-High-Growth-Fund.png Blog - Will I be changing my KiwiSaver from Growth to High Growth? - Make it stand out Simplicity KiwiSaver High Growth Fund https://www.thehappysaver.com/blog/we-sold-some-investments monthly 0.5 2025-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1685766962000-Z2FFILZX36MSMDBCQ5G4/Art-Class.jpg Blog - We Sold Some Investments: Putting Our Version of the 4% Rule to the Test! https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1685766962408-U5OWKYVTR97VMQNBYRSG/45th-Parallel.jpg Blog - We Sold Some Investments: Putting Our Version of the 4% Rule to the Test! https://www.thehappysaver.com/blog/the-happy-saver-book-giveaway monthly 0.5 2025-04-27 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/a99391a7-92cb-40ca-be17-798f7a26d192/Giveaway-Books.png Blog - The Happy Saver Book Giveaway! - Make it stand out The Happy Saver Book Giveaway https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/f447ec1e-ec97-46f4-bba9-bd327be3eebd/The-Simple-Path-to-Wealth-JL-Collins.png Blog - The Happy Saver Book Giveaway! - Make it stand out The Simple Path to Wealth - JL Collins https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/57e0699a-1e56-4cbc-bbec-9bfe48e8f7a6/The-Richest-Man-in-Babylon-George-S-Clason.png Blog - The Happy Saver Book Giveaway! - Make it stand out The Richest Man in Babylon - George S. Clason https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/d62624bf-7f1b-4329-a7b9-832dc84a6370/The-Barefoot-Investor-Scott-Pape.png Blog - The Happy Saver Book Giveaway! - Make it stand out The Barefoot Investor - Scott Pape https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/ea4f887c-2556-45d3-a681-a63983910473/Die-With-Zero-Bill-Perkins.png Blog - The Happy Saver Book Giveaway! - Make it stand out Die With Zero - Bill Perkins https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/a570c01e-b447-41ee-86c6-2a741add59ac/Quit-Like-a-Millionaire-Kristy-Shen-Bryce-Leung.png Blog - The Happy Saver Book Giveaway! - Make it stand out Quit Like a Millionaire - Kristy Shen and Bryce Leung https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/3469798f-e3d8-43f8-905c-faee59955491/Your-Money-Your-Future-Frances-Cook.png Blog - The Happy Saver Book Giveaway! - Make it stand out Your Money, Your Future - Frances Cook https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/b058cb9d-8dbc-4c33-8ad2-8d9c12a31049/Investing-With-Shes-On-The-Money-Victoria-Devine.png Blog - The Happy Saver Book Giveaway! - Make it stand out Investing with She’s on the Money - Victoria Devine https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/7e95e3f9-c43a-4359-970b-a56a306c050a/The-Sharesies-Guide-to-Investing.png Blog - The Happy Saver Book Giveaway! - Make it stand out The Sharesies Guide to Investing - Brooke and Leighton Roberts and Sonya Williams https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/4514bd81-0285-4524-81c8-2231e68187e8/Good-with-Money-Lisa-Dudson.png Blog - The Happy Saver Book Giveaway! - Make it stand out Good with Money - Lisa Dudson https://www.thehappysaver.com/blog/how-have-you-improved-your-financial-situation monthly 0.5 2024-09-30 https://www.thehappysaver.com/blog/my-kiwisaver-dropped-yours-probably-did-too monthly 0.5 2023-07-16 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/6dca2187-0027-4076-ae03-412dc6b8ce4e/Simplicity-KiwiSaver-Annual-Member-Statement.png Blog - My KiwiSaver dropped. Yours probably did too. - Make it stand out My Simplicity KiwiSaver Annual Member Statement 31 March 2023 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/16d286f1-d9a1-4116-bfc5-79240ebe095b/KiwiSaver-balance-over-nine-years.png Blog - My KiwiSaver dropped. Yours probably did too. - Make it stand out My KiwiSaver balance over the last nine years. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/aab6cc4a-c905-4150-b853-d0e1dc0e1a3a/Simplicity-KiwiSaver-Projections.png Blog - My KiwiSaver dropped. Yours probably did too. - Make it stand out My Simplicity KiwiSaver Projections. What am I on track to receive at age 65. https://www.thehappysaver.com/blog/jonny-makes-more-money-working-for-someone-else monthly 0.5 2024-09-06 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/fff1c05f-3571-49c9-9e2f-22f642f93b42/Jonnys-income-for-one-year.png Blog - Jonny makes more money working for someone else! - Make it stand out Jonny’s take home income for one year. https://www.thehappysaver.com/blog/how-is-my-us-500-etf-performing monthly 0.5 2023-09-07 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/0d7dd33c-0831-4cca-9955-f4889ab1482f/Smartshares-US-500-Summary.png Blog - How is my US 500 ETF performing? - Make it stand out Smartshares summary for the US 500 ETF. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/ed6c93b2-dcf6-4684-9bef-3549a7f7526c/Smartshares-US-500-This-Calendar-Years-Return.png Blog - How is my US 500 ETF performing? - Make it stand out In this calendar year of 2023: A total Return of 20.50% https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1ee39696-56a6-4538-9b7b-904f34f0e58d/Smartshares-US-500-2-Years-Return.png Blog - How is my US 500 ETF performing? - Make it stand out In the last two years: A Total Return of 7.41% https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/c794681b-7444-40a3-90d6-8e8f81033ff9/Smartshares-US-500-5-Years-Return.png Blog - How is my US 500 ETF performing? - Make it stand out In the last five years: A Total Return of 11.19% https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/7cfc55c2-e357-4e2e-a29d-69915adbe18a/S%26P-500-Market-Summary.png Blog - How is my US 500 ETF performing? - Make it stand out Source: Google Finance https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/7bad93ff-b18b-495f-ac02-3ed635c7276a/Rule-of-72-The-Happy-Saver.png Blog - How is my US 500 ETF performing? - Make it stand out The Rule of 72 example: 72 / 10% = 7.2 years https://www.thehappysaver.com/blog/how-to-invest-in-a-total-world-fund-from-new-zealand monthly 0.5 2024-09-30 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/8258b550-4c4d-4501-abff-bebea1e89df9/smartshares-nzx-logo.png Blog - How to invest in a Total World Fund from New Zealand - Make it stand out Smartshares https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/31a6744d-7177-49ed-aef3-7dc81db3db21/kernel-wealth-logo.png Blog - How to invest in a Total World Fund from New Zealand - Make it stand out Kernel Wealth https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/6754656b-5a5d-438c-8f8a-f7b5b5eb4070/investnow-logo.png Blog - How to invest in a Total World Fund from New Zealand - Make it stand out InvestNow https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/ffb78734-c845-456d-a60d-e6d66922d06e/hatch.png Blog - How to invest in a Total World Fund from New Zealand - Make it stand out Hatch https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/7b234530-9c66-41db-8387-bf0f8d10102b/sharesies-logo.png Blog - How to invest in a Total World Fund from New Zealand - Make it stand out Sharesies https://www.thehappysaver.com/blog/easily-track-your-net-worth monthly 0.5 2024-09-06 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/5d86db86-b878-4e78-8534-59d5fdadb11f/Mock-Spreadsheet.png Blog - Easily Track Your Net Worth - Make it stand out Mock-up of a Net Worth Spreadsheet (Click image to enlarge) https://www.thehappysaver.com/blog/giving-frugality-a-workout monthly 0.5 2024-09-06 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/966d3096-48af-429c-a617-7ec63f6cfa8c/Pulling-up-pavers-from-driveway.jpg Blog - Giving Frugality a Workout - Make it stand out Pavers being pulled up from the neighbours driveway. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/c633d83e-bfcc-47b7-a455-45666d04a271/Blue-lying-on-pavers-on-trailer.jpg Blog - Giving Frugality a Workout - Make it stand out Our dog Blue helping to unload the pavers from the trailer. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/aaebf238-73f8-4497-9f0e-048b91575318/Pavers-nicely-stacked.jpg Blog - Giving Frugality a Workout - Make it stand out Nicely stacked pavers in our yard. https://www.thehappysaver.com/blog/the-temptation-to-sign-up-to-endless-new-investment-products monthly 0.5 2024-09-30 https://www.thehappysaver.com/blog/share-market-shocker monthly 0.5 2023-11-05 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/17a65863-dca0-4ca2-91db-55cfe450c98d/Combined-Investments-Balance-Year-To-Date-2023.png Blog - Share Market Shocker - Make it stand out The combined balance of our investments peaked at $444,000 in July and at the end of October is back to $419,000. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/875bdccd-fec4-4452-a981-e42fd1f0621d/S%26P-NZX-50-Index-Year-To-Date.png Blog - Share Market Shocker - Make it stand out Market Summary of the S&P/NZX 50 Index Year To Date https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/982777e5-619a-451e-b0aa-ce814727d69b/S%26P-500-Year-To-Date.png Blog - Share Market Shocker - Make it stand out Market Summary of the S&P 500 Year To Date https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/6d8fbe36-350b-45fd-9cd9-7b624174b183/S%26P-NZX-50-Index-Max.png Blog - Share Market Shocker - Make it stand out Market Summary of the S&P/NZX 50 Index Max https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/9cc03793-8b5a-4ad4-8e7a-f7a62d40907f/S%26P-500-Max.png Blog - Share Market Shocker - Make it stand out Market Summary of the S&P 500 Max https://www.thehappysaver.com/blog/share-market-swing monthly 0.5 2023-11-26 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/629b4d49-cda0-4410-9f4c-080a2f1c47be/Combined-Investments-Balance-Year-To-Date-2023-Update.png Blog - Share Market Swing - Make it stand out In October the combined balance of our investments was $419,000, and in three short weeks, it increased by $23,000 to $442,000. https://www.thehappysaver.com/blog/the-happy-saver-christmas-giveaway monthly 0.5 2025-12-08 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/ec311f7c-ba91-4260-94c4-f34b432588f6/Pathfinders-JL-Collins.png Blog - The Happy Saver Christmas Giveaway! - Make it stand out Pathfinders https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/bd8d0ecb-8198-4629-b312-fc1fd5513d64/The-Total-Money-Makeover-Dave-Ramsey.png Blog - The Happy Saver Christmas Giveaway! - Make it stand out The Total Money Makeover https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1b5ea087-73cc-4434-a751-650b9119ae55/The-Barefoot-Investor-Scott-Pape.png Blog - The Happy Saver Christmas Giveaway! - Make it stand out The Barefoot Investor https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/e1bb74ed-f319-428e-87fb-15236c03a65c/The-Barefoot-Investor-for-Familes-Scott-Pape.png Blog - The Happy Saver Christmas Giveaway! - Make it stand out The Barefoot Investor for Families https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/714a2c96-37cd-462e-8b5f-f256f63a6865/Barefoot-Kids-Scott-Pape.png Blog - The Happy Saver Christmas Giveaway! - Make it stand out Barefoot Kids https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/e6485f91-95cf-4889-9148-f7f26cb442a8/PocketSmith-Giveaway.png Blog - The Happy Saver Christmas Giveaway! - Make it stand out PocketSmith https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/faf8bfd5-6dea-4ae0-95d0-6e832acd295f/Sharesight-Giveaway.png Blog - The Happy Saver Christmas Giveaway! - Make it stand out Sharesight https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/ed78980d-1ede-4875-985f-202f7df0e9b0/Sharesies-Giveaway.png Blog - The Happy Saver Christmas Giveaway! - Make it stand out Sharesies https://www.thehappysaver.com/blog/2023-review-and-net-worth-update monthly 0.5 2024-09-04 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/2c6eb1d1-5cd7-40e3-a0e1-b1477fd555d7/PocketSmith-Pinwheel-2023.png Blog - 2023 Review & Net Worth Update - Make it stand out My pinwheel in PocketSmith showing Earning and Spending for 2023. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/66035d9c-ee71-45a8-932f-65267e50d184/Net-Worth-Growth.png Blog - 2023 Review & Net Worth Update - Make it stand out Our net worth growth since 2015. https://www.thehappysaver.com/blog/net-worth-financial-independence-series monthly 0.5 2024-05-08 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/58d32677-aebd-4b28-8b05-59c8a4f85259/Net-Worth-Example.png Blog - Part 1: NET WORTH - Financial Independence Series - Make it stand out Example of a simple spreadsheet to calculate net worth. https://www.thehappysaver.com/blog/budget-financial-independence-series monthly 0.5 2024-09-04 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/30ac1b12-c6c8-487a-b1e0-fc5e522d7d91/Budgeting-Mind-Map-Example.png Blog - Part 2: BUDGET - Financial Independence Series - Make it stand out Example of a simple hand-drawn mind map showing broad “category” headings and every transaction under each category. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/cb645dd1-347a-4757-9736-5ca06de30b35/Budgeting-Spreadsheet-Example.png Blog - Part 2: BUDGET - Financial Independence Series - Make it stand out Example of a simple spreadsheet showing 3 months of transactions. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1241a421-d405-4d1d-aeb7-cfd5b8e9a084/Budgeting-PocketSmith-Pinwheel.png Blog - Part 2: BUDGET - Financial Independence Series - Make it stand out Example of my Earning and Spending pinwheel in PocketSmith. https://www.thehappysaver.com/blog/emergency-fund-financial-independence-series monthly 0.5 2024-02-25 https://www.thehappysaver.com/blog/kiwisaver-financial-independence-series monthly 0.5 2024-05-07 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/863d6880-efa9-432c-93fb-0473b129efe3/NZ-Super-Current-Superannuation-Rates.png Blog - Part 4: KIWISAVER - Financial Independence Series - Make it stand out Current superannuation rates of NZ Super from 1 April 2023 after tax has been deducted at rate ‘M’. (www.sorted.org.nz) Click image to enlarge. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/f52ce0b8-f29d-4350-ae56-69f2c02b11f1/3-Percent-KiwiSaver-Contributions.png Blog - Part 4: KIWISAVER - Financial Independence Series - Make it stand out Scenario 1: 3% KiwiSaver contributions based on $60,000 income is about $427 per week until you are 90.(Sorted KiwiSaver Calculator) Click image to enlarge. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/3f64ec7b-2e4e-4c11-b0a9-05947c43b6a9/10-Percent-KiwiSaver-Contributions..png Blog - Part 4: KIWISAVER - Financial Independence Series - Make it stand out Scenario 2: 10% KiwiSaver contributions based on $60,000 income is about $958 per week until you are 90. (Sorted KiwiSaver Calculator) Click image to enlarge. https://www.thehappysaver.com/blog/debt-free-financial-independence-series monthly 0.5 2024-03-24 https://www.thehappysaver.com/blog/investing-financial-independence-series monthly 0.5 2025-07-06 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/56df2200-27c8-4256-8ea7-df4fb16784a7/S%26P-500-All-Time-Market-Summary.png Blog - Part 6: INVESTING - Financial Independence Series - Make it stand out America: S&P 500. Over time, the stock market tends to rise. (Source: Google) https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1d1c7c4c-5fe6-451f-b2d2-628c54785ddb/Total-World-Fund-All-Time-Market-Summary.png Blog - Part 6: INVESTING - Financial Independence Series - Make it stand out Total World ETF All Time Market Summary. Over time, the stock market tends to rise. (Source: Google) https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/adf04b30-732f-4c39-b0e0-a40ddd1ca7ed/Sharesight-Share-Checker.png Blog - Part 6: INVESTING - Financial Independence Series - Make it stand out Using Sharesight’s Share Checker, $10,000 invested in the Smart Total World Fund in July 2015 would be worth $14,152 today. https://www.thehappysaver.com/blog/applying-the-4-percent-rule-we-are-selling monthly 0.5 2025-03-23 https://www.thehappysaver.com/blog/you-should-pay-off-your-student-loan-and-heres-why monthly 0.5 2024-06-02 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/7dc11c4a-2f5a-4a4f-aa69-51ad5514984c/Nics-Net-Worth-after-1-year-at-university.png Blog - You should pay off your student loan, and here’s why. - Make it stand out Nic’s Net Worth after 1 year at university. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/c55e31c0-61bf-4b07-a09b-95594926cda2/Nics-Net-Worth-after-2-years-at-university.png Blog - You should pay off your student loan, and here’s why. - Make it stand out Nic’s Net Worth after 2 years at university. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/f6ca90d8-9e80-4424-be37-414e4d057d24/Nics-Net-Worth-after-3-years-at-university.png Blog - You should pay off your student loan, and here’s why. - Make it stand out Nic’s Net Worth after 3 years at university. https://www.thehappysaver.com/blog/rebel-finance-school-2024 monthly 0.5 2024-06-16 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/23804e48-9ada-4e53-8b3d-2f480b3323ba/Rebel-Finance-School-2024-Guest-Speakers.png Blog - Rebel Finance School 2024 - Make it stand out Some of the guest speakers this year include: Brad Barrett - ChooseFI, Kristy and Bryce - Millennial Revolution, Pete Adeney - Mr. Money Mustache and me for an extra session for Kiwis. https://www.thehappysaver.com/blog/investing-is-not-black-and-white monthly 0.5 2024-09-04 https://www.thehappysaver.com/blog/8th-anniversary-giveaway-guess-the-piggy-bank-total monthly 0.5 2024-09-30 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/75a89974-2e87-4fc6-857b-bb67456bfb27/Piggy-Bank-Coins-and-Notes.png Blog - 8th Anniversary Giveaway: Guess the Piggy Bank Total! - Make it stand out We counted up all the coins, then took them to the bank and exchanged them for notes. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/00185ebe-1bb3-46dd-9353-1a58fc4f629b/Piggy-Bank-Measurements-and-Weight.png Blog - 8th Anniversary Giveaway: Guess the Piggy Bank Total! - Make it stand out Guess the amount of money in the piggy bank. Size: 160x125x150mm Weight: 4.78kg https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/59165e08-6e54-49ad-a125-d86882b08bb7/8th-Anniversary-Giveaway-Prizes.png Blog - 8th Anniversary Giveaway: Guess the Piggy Bank Total! - Make it stand out The Happy Saver 8th Anniversary Giveaway Prizes https://www.thehappysaver.com/blog/why-i-switched-my-accounting-to-hnry monthly 0.5 2024-09-04 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/2ff18381-14d8-496d-a8a2-aac41eb1106f/Phone-A-Friend-Invoice-via-Hnry.png Blog - Why I Switched My Accounting to Hnry - Make it stand out Hnry screen showing a Phone A Friend invoice. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/20ef6b0d-209f-4961-b070-e492fd4e17e1/After-Tax-Income-via-Hnry.png Blog - Why I Switched My Accounting to Hnry - Make it stand out Hnry screen showing the total deductions from Income Tax, ACC and Hnry Fee and my Income from a Phone A Friend after tax. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/ced68e38-2c79-414a-9788-767b3c1b4f3c/Expenses-via-Hnry.png Blog - Why I Switched My Accounting to Hnry - Make it stand out Hnry screen showing my MailChimp expense has been accepted. https://www.thehappysaver.com/blog/financial-reset-spending-less-and-earning-more-for-a-month monthly 0.5 2024-09-04 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/192b59fa-b01f-4ede-bcef-013d2f0bf829/PocketSmith-Dashboard-July-2024-Numbers.png Blog - Financial Reset: Spending less and earning more for a month! - Make it stand out PocketSmith dashboard showing our July 2024 numbers. https://www.thehappysaver.com/blog/portfolio-rebalance monthly 0.5 2024-09-01 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/195d481c-4831-42e0-9d28-cc8c868bfcc3/NZ-Top-50-18-Percent-Growth-Over-5-Years.png Blog - Portfolio Rebalance: We sold $103,000 of investments! - Make it stand out New Zealand has ambled along with 18% growth over the past 5 years. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/d4d8408d-6943-4624-9b56-f4b970b3c8db/US-500-96-Percent-Growth-Over-5-Years.png Blog - Portfolio Rebalance: We sold $103,000 of investments! - Make it stand out The US has grown by 96% over the past 5 years. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/534c271f-8d21-40b3-ae85-af0c8566ad79/Sharesight-NZ-Top-50-ETF-US-500-ETF.png Blog - Portfolio Rebalance: We sold $103,000 of investments! - Make it stand out Sharesight graph showing how poorly my Smartshares NZ Top 50 ETF has performed against my Smartshares US 500 ETF. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/bd6c0186-3d08-4eb3-98e9-9104dc55f4fb/ASB-Securities-SELL-NZ-Top-50-ETF.png Blog - Portfolio Rebalance: We sold $103,000 of investments! - Make it stand out Using ASB Securities as our share broker to sell Smartshares NZ Top 50 ETF. https://www.thehappysaver.com/blog/imputation-credits-tax-savings monthly 0.5 2024-09-15 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/ed3de78b-6803-4625-937c-804de6ebfe7e/Smartshares-Imputation-Credits-Letter.png Blog - Imputation Credits = Tax Savings! - Make it stand out Smartshares letter showing my Imputation Credits. https://www.thehappysaver.com/blog/we-invest-using-the-share-market-not-property monthly 0.5 2024-09-29 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/d1815262-ec78-4b2c-93af-6b3bd3a57144/Our-KiwiSavers-combined-balance.png Blog - We Invest Using the Share Market, Not Property - Make it stand out The graph represents both our KiwiSavers combined balance which is now over $200,000. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/4f8c848b-6d61-4d8c-b5bd-dfcdfe798be3/Sharesight-screen-Smartshares-US-500-ETF.png Blog - We Invest Using the Share Market, Not Property - Make it stand out My Sharesight screen showing the performance of our Smartshares US 500 ETF https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/c01c2519-5934-4b68-b0cc-f047efc45981/S%26P500-performance-since-1996.png Blog - We Invest Using the Share Market, Not Property - Make it stand out S&P 500 ETF performance since 1996 https://www.thehappysaver.com/blog/i-quit-my-job monthly 0.5 2024-10-20 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/a7f3b804-9323-43a9-93da-73f85195d5a4/Investments-spreadsheet-calculating-4%25-Rule.png Blog - I quit my job! - Make it stand out Investment spreadsheet calculating the 4% Rule https://www.thehappysaver.com/blog/your-emails-keep-me-busy monthly 0.5 2024-11-03 https://www.thehappysaver.com/blog/pocketsmith-helps-me-manage-and-understand-our-money monthly 0.5 2024-12-04 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/500035dc-a4f5-4491-9760-6429be59d2e0/Emergency-Fund-TSB-Bank.png Blog - PocketSmith Helps Me Manage and Understand Our Money - Make it stand out My bank only gives me limited information. The name I have given each of my accounts, e.g. Emergency Fund, transactions I’ve made, and what the balance is. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/458f017b-ed4b-4b33-af47-fae43646137b/PocketSmith-Pinwheel-showing-each-category-total.png Blog - PocketSmith Helps Me Manage and Understand Our Money - Make it stand out My pinwheel in PocketSmith showing each category total for 2024. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/f449f323-b598-4a6f-adc5-03cdf28d1c1c/PocketSmith-Pinwheel-showing-each-transaction.png Blog - PocketSmith Helps Me Manage and Understand Our Money - Make it stand out Clicking on each category in my PocketSmith pinwheel will show each transaction. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/fab53587-7d67-4744-8cc3-990359aff1ac/New-transactions-to-categorise-in-PocketSmith.png Blog - PocketSmith Helps Me Manage and Understand Our Money - Make it stand out PocketSmith letting me know I have unrecognised transactions that I need to manually categorise. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/9a2382d6-c3fa-48f7-a370-5e9c63e83ee5/Blown-budget-and-under-budget-numbers-in-PocketSmith.png Blog - PocketSmith Helps Me Manage and Understand Our Money - Make it stand out PocketSmith showing me my Pet Care has blown the budget but Petrol and Car Maintenance have ended the year under budget. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/d63f659d-1988-4c31-8fa0-dcebb31dbd8f/My-unique-to-me-PocketSmith-pinwheel.png Blog - PocketSmith Helps Me Manage and Understand Our Money - Make it stand out My unique-to-me PocketSmith pinwheel. So far, in 2024, it looks like we like to go on holiday, eat, and look after our health! https://www.thehappysaver.com/blog/how-our-daughter-will-pay-cash-for-university monthly 0.5 2024-12-08 https://www.thehappysaver.com/blog/2024-financial-wrap-up monthly 0.5 2024-12-22 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1262d30d-7777-4bd7-b80f-9d66be97880f/US+500+ETF+Trades+Sharesignt.png Blog - 2024 Financial Wrap Up - Make it stand out I enter every trade I make into our US 500 ETF into Sharesight. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/eb45553c-2298-4e34-beaa-c081376ccb6d/Income-PocketSmith-Pinwheel.png Blog - 2024 Financial Wrap Up - Make it stand out My PocketSmith pinwheel showing our income sources for 2024. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/0af9e1c6-1273-40dd-bc11-2c8bdb5a95cd/PocketSmith-Earning-and-Spending-Pinwheel.png Blog - 2024 Financial Wrap Up - Make it stand out PocketSmith pinwheel showing our Earning and Spending for 2024. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/74fc6b53-d634-4b3f-a934-9d9be0a70bde/PocketSmith-Budget-Categories.jpg Blog - 2024 Financial Wrap Up - Make it stand out Some of the categories I created budgets for in PocketSmith. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/000ae37a-a5f2-449a-ac7a-3fed3c1f86de/Investments-Net-Worth.png Blog - 2024 Financial Wrap Up - Make it stand out Our Investments are tracking in the right direction. UP! https://www.thehappysaver.com/blog/why-i-changed-kiwisaver-providers monthly 0.5 2025-02-09 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/2f783b09-a100-41c0-9543-d074f8e3cd60/What-is-in-the-Simplicity-High-Growth-Fund.png Blog - Why I Changed KiwiSaver Providers - Make it stand out Simplicity KiwiSaver High Growth Fund Update. The numbers from different sources differ by a percent or two, depending on when they were taken, but they're enough to give an idea. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/e499f1b1-e39b-4d56-81d2-4c505f762ee6/Simplicity-High-Growth-Fund-Investment-Mix.png Blog - Why I Changed KiwiSaver Providers - Make it stand out Simplicity has a ‘target’ allocation for each type of investment in their fund, and then they have the reality, or what they ‘actually’ have. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/d14e36cf-d067-44cb-af6f-217e12eb4a18/Top-10-Investments-Simplicity-High-Growth-Fund.png Blog - Why I Changed KiwiSaver Providers - Make it stand out Breakdown of the Simplicity High Growth Fund Top 10 Investments https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/5f845d2b-36ed-4b3d-95a9-9bce9515e913/InvestNow-Foundation-Series-Total-World-Fund.png Blog - Why I Changed KiwiSaver Providers - Make it stand out InvestNow Foundation Series Total World Fund https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/0e97f245-0ea4-4033-891b-5ee50582d0a0/What-the-InvestNow-Total-World-Fund-invests-in.png Blog - Why I Changed KiwiSaver Providers - Make it stand out InvestNow Foundation Series Total World Fund invests 100% in International Equities https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/058c2fcf-30ca-4714-830f-45ebc56b38fa/Rebel-Finance-School-Calculator.png Blog - Why I Changed KiwiSaver Providers - Make it stand out Rebel Donegans Impact of Fees Calculator https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/b8fd7a30-2532-43d0-b47d-420ab3e9ebe3/Vanguard-Total-World-Stock-Index-Fund-ETF-Performance.png Blog - Why I Changed KiwiSaver Providers - Make it stand out Performance of the Vanguard Total World Stock Index Fund ETF https://www.thehappysaver.com/blog/hedged-vs-unhedged-investments-which-one-should-you-choose monthly 0.5 2025-02-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/4f8c364c-832d-4849-a26a-72524dc645de/SMART-Hedged-and-Unhedged-ETFs.png Blog - Hedged vs. Unhedged Investments: Which One Should You Choose? - Make it stand out Some funds also have the option to choose between selecting “hedged” or “unhedged”. Source: Smartshares (Smart) https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/741bb12f-0032-4633-b525-0b84f589ed9c/Reserve-Bank-of-NZ-Trade-Weighted-Index.png Blog - Hedged vs. Unhedged Investments: Which One Should You Choose? - Make it stand out Exchange rates constantly move up and down, meaning the value of your investments also changes. Reserve Bank of New Zealand: Exchange rates and Trade Weighted Index https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/bf4cd7d2-74a6-4dd1-98c6-114e12357086/Exchange-rates-look-like-a-heart-rate.png Blog - Hedged vs. Unhedged Investments: Which One Should You Choose? - Make it stand out When I look at exchange rates over the decade, they look like a heart rate monitor image of a perfectly healthy human. There might be peaks and troughs, but they all average over time, and the heart keeps pumping. https://www.thehappysaver.com/blog/how-we-pay-cash-for-every-holiday monthly 0.5 2025-03-09 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/0cbf0a4e-bca0-4d51-bc78-e0340b09f52e/2024-Spending-on-Holidays-PocketSmith.png Blog - How We Pay Cash for Every Holiday - Make it stand out My PocketSmith dashboard tells me we spent $20,692 on national and international holidays in 2024. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/e45881e4-6e81-477f-bdd0-5635598b6d94/Booking-and-Paying-for-Cruise-Depost-and-Flights-PocketSmith.png Blog - How We Pay Cash for Every Holiday - Make it stand out PocketSmith screen showing the cruise deposit paid in June 2023, with flights and insurance paid in May 2024. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/d89c6501-9079-47fc-a101-b3d2f66688c9/Jonnys-Two-Cents-Wise-Card.png Blog - How We Pay Cash for Every Holiday - Make it stand out Jonny's Two Cents about the Wise Debit Card https://www.thehappysaver.com/blog/how-much-money-do-i-need-to-have-invested-at-65 monthly 0.5 2025-03-23 https://www.thehappysaver.com/blog/looking-for-a-friend-to-chat-money-with monthly 0.5 2025-04-06 https://www.thehappysaver.com/blog/everything-broke-at-once-why-we-are-financially-hunkering-down monthly 0.5 2025-04-20 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/83556bf5-c0da-46b2-9d8f-be63ca9f20c8/S%26P-500-Year-To-Date.png Blog - Everything Broke at Once - Why We’re Financially Hunkering Down - Make it stand out Year-to-date of the S&P 500, which isn’t looking too good, but this means shares are on sale. Source: Google, 17 Apr, 2025 https://www.thehappysaver.com/blog/i-have-stopped-buying-the-us-500-well-sort-of monthly 0.5 2025-07-19 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/bafab6d6-4927-45e7-8352-03b9cf997e4d/Sharesight-Share-Checker.png Blog - I have stopped buying the US 500. Well, sort of. - Make it stand out Sharesight Share Checker showing the performance of $10,000 invested for ten years. I stay focused on the long term. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/5586d2ec-7225-480e-bfdb-11ffbba22d6a/Donegan-FTSE-Global-All-Cap-Fund-Analysis.png Blog - I have stopped buying the US 500. Well, sort of. - Make it stand out Katie Donegan created this graphic to show the composition of the FTSE Global All Cap Fund, a total world fund. Each colour shows a different country. The biggest colour block is America, the second is Japan, and so on. Please follow the link and read the whole blog post about diversification. https://www.thehappysaver.com/blog/my-ever-evolving-list-of-trusted-money-tools-and-resources monthly 0.5 2025-06-18 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/5b36b492-5b7a-41fc-a518-083698c4d44a/Recommended-Financial-Calculators.png Blog - My Ever-Evolving List of Trusted Money Tools and Resources - Make it stand out Recommended Financial Calculators https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/ddbfd070-1ffa-461e-9f10-b254b330f9af/Recommended-Blog-Posts.png Blog - My Ever-Evolving List of Trusted Money Tools and Resources - Make it stand out Recommended Blog Posts https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/e4b5a8eb-4427-4d79-bc59-b99a0cfd2f1b/Rebel-Finance-Course.png Blog - My Ever-Evolving List of Trusted Money Tools and Resources - Make it stand out Rebel Finance School free 10-week course https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1fc9bfd1-14f9-445d-a33c-88e1a25b98ff/Recommended-Books.png Blog - My Ever-Evolving List of Trusted Money Tools and Resources - Make it stand out Recommended Books https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/35c394f7-5508-45fa-abc7-9477bf7832da/Websites-Instagram.png Blog - My Ever-Evolving List of Trusted Money Tools and Resources - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/7c01c4c2-e71a-46ed-a2a1-afb7f25f30e1/Recommended-Software.png Blog - My Ever-Evolving List of Trusted Money Tools and Resources - Make it stand out Recommended Software - Sharesight, PocketSmith, Hnry https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/5a88c43c-382c-4e17-9f84-9ef62915e097/Recommended-Bloggers.png Blog - My Ever-Evolving List of Trusted Money Tools and Resources - Make it stand out Other Recommended Bloggers https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/bede3753-1bb1-4195-99b1-0311fcca9e9d/Recommended-Podcasts.png Blog - My Ever-Evolving List of Trusted Money Tools and Resources - Make it stand out Recommended Podcasts https://www.thehappysaver.com/blog/mortgage-or-investing-why-not-both monthly 0.5 2025-06-08 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/4d434c82-45be-4a9a-b67f-a5a84257093d/Current-mix-of-assets-in-PocketSmith.png Blog - Mortgage or Investing? Why Not Both? - Make it stand out PocketSmith screen showing my current mix of assets. https://www.thehappysaver.com/blog/kiwisavers-government-contribution-is-being-cut-heres-what-im-doing-about-it monthly 0.5 2025-07-18 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/dcf018eb-71c3-4899-aa08-2d1683c159bd/ChooseFI-Future-Value-Calculator-1302.png Blog - KiwiSaver’s Government Contribution is Being Cut – Here’s What I’m Doing About It - Make it stand out The ChooseFI Future Value Calculator shows an estimated future value of $409,822 with regular annual additions of $1302 over the next 14 years. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/760f4d64-1f7d-4677-8ecf-a2d756939d5b/ChooseFI-Future-Value-Calculator-1042.png Blog - KiwiSaver’s Government Contribution is Being Cut – Here’s What I’m Doing About It - Make it stand out The ChooseFI Future Value Calculator shows an estimated future value of $404,233 with regular annual additions of $1042 over the next 14 years. https://www.thehappysaver.com/blog/what-220-kiwi-net-worth-millionaires-told-us monthly 0.5 2025-07-20 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/3169977d-4231-4489-8907-89974c636773/AI-Generated-Audio.png Blog - What 220 Kiwi Net Worth Millionaires Told Us - Make it stand out AI-Generated Audio and Voices of the Blog https://www.thehappysaver.com/blog/applying-the-barefoot-investor-in-nz-2025-update monthly 0.5 2025-08-04 https://www.thehappysaver.com/blog/how-etfs-are-taxed-in-nz monthly 0.5 2025-08-21 https://www.thehappysaver.com/blog/how-to-invest-using-smart monthly 0.5 2025-09-07 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/9b6438ff-183d-4d0e-ba85-be1818c7e890/Investing-with-Smart-Login-Screen.png Blog - A First-Timer’s Guide: How to Invest Using Smart - Make it stand out Investing with Smart Login screen. You will need to know your nine-digit CSN and your four-digit FIN. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/902a2d01-0a91-453d-9427-bf5e9a799b96/Holding-and-Regular-Savings-Plan-details.png Blog - A First-Timer’s Guide: How to Invest Using Smart - Make it stand out I commit $200 as my Monthly Contribution. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/d730ed81-744f-407e-95ce-fe90e5a49d3d/Lump-Sum-Contributions-Additional-Funds.png Blog - A First-Timer’s Guide: How to Invest Using Smart - Make it stand out I will always make a lump sum contribution in addition to my RSP. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/5b101f5c-8a76-4449-a1a1-37ea0734e25a/Smart-Investment-Summary-Screen.png Blog - A First-Timer’s Guide: How to Invest Using Smart - Make it stand out Smart summary screen that confirms the ETF you are investing in, the amount you are investing, and the bank account from which the money will be withdrawn. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/49b7ca9d-6c81-4afb-a865-30ea1274a990/Smart-Application-Email.png Blog - A First-Timer’s Guide: How to Invest Using Smart - Make it stand out Email from Smart, letting me know how my application is proceeding. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/e671da8b-b8cb-4f37-828d-086b51d1c283/Smart-units-have-now-been-allotted.png Blog - A First-Timer’s Guide: How to Invest Using Smart - Make it stand out Email from Smart informing me my new Smart units have now been allotted to me. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/f7bef88b-4d0c-4cf7-9eea-1f8a2f2f200e/MUFG-Portfolio-Screen.png Blog - A First-Timer’s Guide: How to Invest Using Smart - Make it stand out MUFG screen showing all my past and current holdings. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/8c7eada2-c183-4bba-918e-3661e14f91a0/Sharesight-Investment-Performance-screen.png Blog - A First-Timer’s Guide: How to Invest Using Smart - Make it stand out In real time, Sharesight shows me how my investment is performing. https://www.thehappysaver.com/blog/life-update-cost-of-living monthly 0.5 2025-09-21 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/e19ef73e-e296-4c26-b4fd-686598a1a697/PocketSmith-Side-by-side-comparison-of-two-years-of-spending.png Blog - Life Update: Cost of Living - Make it stand out PocketSmith showing a side-by-side comparison of two years of earning and spending. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/36179511-8c8d-4a4e-9877-2bbc3414d7f4/PocketSmith-A-more-typical-month-of-Earning-and-Spending.png Blog - Life Update: Cost of Living - Make it stand out PocketSmith showing a more typical month for us. https://www.thehappysaver.com/blog/time-for-my-monthly-net-worth-check-in monthly 0.5 2025-10-05 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/2a28ce01-de27-4cb0-815e-833f15df7cdf/Net-Worth-PocketSmith.png Blog - Time for My Monthly Net Worth Check-In - Make it stand out A nice, clean image in PocketSmith showing Jonny where we stand this month. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/24074bf6-be6b-4bb9-94f7-3b0b7f295611/September-Net-Worth-Comparison.png Blog - Time for My Monthly Net Worth Check-In - Make it stand out September Net Worth Comparison https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/b525a70b-b277-4a96-91e0-ea3474cfe888/1st+October+Spreadsheet.jpg Blog - Time for My Monthly Net Worth Check-In - Make it stand out Net Worth Spreadsheet for October 1st 2025. https://www.thehappysaver.com/blog/we-are-in-a-bubble-or-are-we monthly 0.5 2025-10-19 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/2b2022ca-f2b5-48b5-bc91-4b490caa58b0/S%26P-500-over-the-last-40-years.png Blog - We’re in a bubble! Or are we? - Make it stand out This chart shows the S&P 500 over the last 40 years. And all the “all-time highs” throughout that time. Source: Yahoo Finance https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/eedc9efd-30b6-4577-9f80-d24064f35046/S%26P-500-Major-Market-Crashes-Past-40-Years.png Blog - We’re in a bubble! Or are we? - Make it stand out Major market crashes over the past 40 years. https://www.thehappysaver.com/blog/how-we-and-our-daughter-plan-to-pay-for-university-without-a-student-loan monthly 0.5 2025-11-02 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/a8475a50-5851-4481-9991-247825e26379/5-year-old-18-year-old.png Blog - How We (and Our Daughter) Plan to Pay for University Without a Student Loan - Make it stand out She has never wanted to show her face here on The Happy Saver, so here is a before-and-after illustration to give you the idea. https://www.thehappysaver.com/blog/your-guide-to-fi-retreats monthly 0.5 2025-11-16 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/9c9e6c7a-7a25-4c4d-86ec-6d657d46e246/TribeFI-optional-physical-activity-2024.png Blog - Meet, Learn, Laugh: Your Guide to FI Retreats - Make it stand out A fun optional physical activity at TribeFI 2024. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/bf5df48e-7f11-4e80-90db-629393a8a590/Black-FI-Day.png Blog - Meet, Learn, Laugh: Your Guide to FI Retreats - Make it stand out At Black FI-Day 2024 - Paul & Bradie (The Happy Saver Podcast Episode 90), Me and Alan & Katie Donegan (Rebel Finance School) https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/8d2166df-4e9e-4457-83cb-7e8cccf8e94f/TribeFI-Organisers-and-Speakers-2024.png Blog - Meet, Learn, Laugh: Your Guide to FI Retreats - Make it stand out Some of the 2024 Tribe FI speakers with Rob and his amazing Tribe FI team. https://www.thehappysaver.com/blog/answering-the-money-questions-readers-email-me-about monthly 0.5 2025-11-30 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/90d3eb57-e3d3-4512-bd95-d7015ce4d2ce/Vanguard-Total-World-Stock-Index-Fund-ETF-Performance.png Blog - Answering the Money Questions Readers Email Me About - Make it stand out Graph showing the Vanguard Total World Stock Index Fund ETF all-time performance. Share markets go up more times than they go down. Graph Source: Google https://www.thehappysaver.com/blog/christmas-giveaway-2025 monthly 0.5 2025-12-28 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/fad6d8bd-1845-4978-af02-2fc870f1b1c6/Books-Giveaway.png Blog - Christmas Giveaway! - Make it stand out Giveaway Books https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/e9dd916e-54b2-491b-b22a-7b73681a965d/The-Simple-Path-To-Wealth-JL-Collins.png Blog - Christmas Giveaway! - Make it stand out Pathfinders https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/38d68811-5ede-4bc7-a600-33d068f2e94f/Die-With-Zero-Bill-Perkins.png Blog - Christmas Giveaway! - Make it stand out The Barefoot Investor for Families https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/6d511977-2b98-4435-8225-0674fbbff2b4/The-Barefoot-Investor-Scott-Pape.png Blog - Christmas Giveaway! - Make it stand out The Barefoot Investor https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/d7c8c15d-05a3-4785-b6c8-51f73cd0b279/The-Little-Book-of-Common-Sense-Investing.png Blog - Christmas Giveaway! - Make it stand out The Little Book of Common Sense Investing https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/9f0685d1-b951-4a49-8121-2af25dd8c774/Grocery-Vouchers.png Blog - Christmas Giveaway! - Make it stand out Grocery Vouchers https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/75366d63-3ff6-4518-9825-d1ce5284b70d/PocketSmith-Sharesight-Sharesies.png Blog - Christmas Giveaway! - Make it stand out PocketSmith, Sharesight, Sharesies https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/e6485f91-95cf-4889-9148-f7f26cb442a8/PocketSmith-Giveaway.png Blog - Christmas Giveaway! - Make it stand out PocketSmith https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/faf8bfd5-6dea-4ae0-95d0-6e832acd295f/Sharesight-Giveaway.png Blog - Christmas Giveaway! - Make it stand out Sharesight https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/ed78980d-1ede-4875-985f-202f7df0e9b0/Sharesies-Giveaway.png Blog - Christmas Giveaway! - Make it stand out Sharesies https://www.thehappysaver.com/blog/the-one-habit-that-builds-wealth monthly 0.5 2025-12-14 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/c14ad1ae-43a7-46dc-8f26-c61709777a30/Earning-and-Spending-in-PocketSmith.png Blog - The One Habit That Builds Wealth - Make it stand out PocketSmith showing me our percentage of income we allocate to investments. https://www.thehappysaver.com/blog/the-money-systems-we-put-in-place-years-before-university monthly 0.5 2026-01-18 https://www.thehappysaver.com/blog/our-2025-money-update monthly 0.5 2026-02-01 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/17153296-77e1-47e1-8650-6c267be3fa67/Vanguard-Total-World-Stock-ETF-last-10-years.png Blog - $1.71 Million Net Worth: Our 2025 Money Update - Make it stand out Vanguard Total World Stock ETF performance over the last decade. 2025 ended higher than it began. Source www.investor.vanguard.com https://www.thehappysaver.com/blog/explain-it-to-me-fast monthly 0.5 2026-02-15 https://www.thehappysaver.com/blog/jl-collins-goes-global-and-why-that-feels-familiar monthly 0.5 2026-03-01 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/b9b47f73-b84b-4c28-aa14-6e9b1bea1157/Sharesight-Share-Checker-Smart-US-500-ETF.png Blog - JL Collins Goes Global - And Why That Feels Familiar - Make it stand out Using the Sharesight Share Checker, I looked at how the Smart US 500 ETF would have performed if I had invested $10,000 ten years ago. https://www.thehappysaver.com/blog/someone-call-an-ambulance monthly 0.5 2026-03-15 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/a0c8230d-33ff-4603-be6f-f27f7adbd1c9/PocketSmith-Jonny-Hospital-2026.png Blog - Someone Call an Ambulance - Make it stand out PocketSmith screen showing what I spent over the ten days since Jonny hit the concrete. https://www.thehappysaver.com/blog/buckle-up-here-we-go-again monthly 0.5 2026-03-29 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/fafbb795-a226-4ffb-8210-b5e78c737a03/Total-World-Funds-Long-Term-Growth.png Blog - Buckle up - here we go again! - Make it stand out This chart shows how the fund has continued to grow over time, even with periods of market volatility and short-term declines along the way. Source: Google - Vanguard Total World Stock Index Fund ETF https://www.thehappysaver.com/blog/succession-planning-deciding-where-your-money-goes monthly 0.5 2026-04-12 https://www.thehappysaver.com/blog/which-providers-offer-a-total-world-fund-in-nz monthly 0.5 2026-04-26 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/a33344e0-9448-4020-87ca-8124c8fff5e6/SmartInvest.png Blog - Which providers offer a Total World Fund in NZ? - Make it stand out Smart Invest: The wise invest Smart https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/d5b7a584-7333-4881-9605-ac2e4b2e6670/InvestNow.png Blog - Which providers offer a Total World Fund in NZ? - Make it stand out InvestNow: Investing, your way. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/2d464fcf-7daf-48c8-b80e-7190dcd5242d/Sharesies.png Blog - Which providers offer a Total World Fund in NZ? - Make it stand out Sharesies https://www.thehappysaver.com/blog/our-coast-fi-plan monthly 0.5 2026-05-10 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/861f937c-baf4-4f86-81e4-da568f7f98de/Determine-your-FI-number.png Blog - Our Coast FI Plan: Keep the House, Invest Less - Make it stand out Annual Expenses $50,000 x 25 = $1,250,000 (this is your FI number) https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/51b26a14-aedf-418c-bd0a-c83f1a91ae94/4%25-Rule-calculation.png Blog - Our Coast FI Plan: Keep the House, Invest Less - Make it stand out When your investments reach $1,250,000, you can sell off 4% per year, giving you $50,000 to cover your expenses. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/9a62ec12-5bc1-49ba-85bc-5103ae6ae85d/Investment-growth-over-the-last-decade.png Blog - Our Coast FI Plan: Keep the House, Invest Less - Make it stand out Our investment growth over the last decade. https://www.thehappysaver.com/blog/jonnys-take-becoming-debt-free-changed-everything monthly 0.5 2026-05-26 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/e929679c-9527-4aac-b910-1b1555319507/Die-With-Zero-The-Simple-Path-to-Wealth.png Blog - Jonny’s Take: Becoming Debt-Free Changed Everything - Make it stand out Some of the books on Ruth’s bookshelf and the two I’ve read. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/42a2e077-190a-4bd6-b2cf-2dbe1fa37382/Jonnys-PocketSmith-Pinwheel.png Blog - Jonny’s Take: Becoming Debt-Free Changed Everything - Make it stand out Keeping it simple. My pinwheel in Ruth’s PocketSmith showing what we earn and spend. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/2751dfc5-74fa-4e9c-bc31-03c6aa8357f4/Ruth-and-Jonnys-PocketSmith-Dashboards.png Blog - Jonny’s Take: Becoming Debt-Free Changed Everything - Make it stand out Jonny’s less data-filled bespoke PocketSmith dashboard compared to my more data-filled dashboard. https://www.thehappysaver.com/blog/ten-years-later-what-kiwisaver-taught-me monthly 0.5 2026-06-07 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/8132d6fd-b7a2-4630-af02-190a9e4e6f64/Ten-Year-Combined-KiwiSaver-Growth.png Blog - Ten Years Later: What KiwiSaver Taught Me - Make it stand out Combined KiwiSaver balances for Jonny and I over the past ten years. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/c526321e-4292-4a17-af32-fadd7e461043/Vanguard-Total-World-Stock-Index-Fund-ETF.png Blog - Ten Years Later: What KiwiSaver Taught Me - Make it stand out Source: Google - Vanguard Total World Stock Index Fund ETF https://www.thehappysaver.com/blog/the-happy-saver-turns-10 monthly 0.5 2026-07-05 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/281d13c1-fdbd-4d94-8be9-ccca5bf51269/Giveaways.png Blog - The Happy Saver Turns 10: Giveaways, Gratitude and Your Wins - Make it stand out The Happy Saver 10th Anniversary Giveaway https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/93ea2c49-eff3-47c8-90c5-7f009ea23d13/PocketSmith-Sharesies-Sharesight-Giveaway.png Blog - The Happy Saver Turns 10: Giveaways, Gratitude and Your Wins - Make it stand out PocketSmith, Sharesies and Sharesight Giveaway Prizes https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/9f4a599d-86cd-4d52-9237-74df8cb41365/Smart-Giveaway.png Blog - The Happy Saver Turns 10: Giveaways, Gratitude and Your Wins - Make it stand out Smart Giveaway Prizes - The Simple Path to Wealth and The Barefoot Investor https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/eaabc97a-ecd4-4338-81b5-6786e1d0a16f/The-Happy-Saver-Giveaway.png Blog - The Happy Saver Turns 10: Giveaways, Gratitude and Your Wins - Make it stand out The Happy Saver Giveaway Prizes - ie With Zero, Barefoot Kids, The Richest Man in Babylon, and Pathfinders. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1dbfe196-18e6-4772-9d77-c1efe1477880/Rebel-Donegans.png Blog - The Happy Saver Turns 10: Giveaways, Gratitude and Your Wins - Make it stand out A special one-hour, one-on-one video call with the brilliant Alan and Katie Donegan from Rebel Finance School and me. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/676b2b54-79d0-41b8-a0ac-e7ceee381ea8/Your-Wins.png Blog - The Happy Saver Turns 10: Giveaways, Gratitude and Your Wins - Make it stand out What's one thing The Happy Saver has done over the past ten years that has been a genuine game-changer for you? https://www.thehappysaver.com/blog/spacex-ipo-remember-that monthly 0.5 2026-07-05 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/ca5c46e3-3e97-4c8d-b000-e95541872891/SpaceX-in-the-TWF.png Blog - SpaceX IPO? Remember That? - Make it stand out SpaceX entered the index at about 0.07%, limiting its weighting in my TWF. https://www.thehappysaver.com/blog/hurry-up-and-wait monthly 0.5 2026-07-19 https://www.thehappysaver.com/blog/applying-rebel-finance-school-in-nz monthly 0.5 2026-08-02 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/a173f4f2-e148-4c41-b3e1-59a07445c83c/British-Empire-Medal.png Blog - Applying Rebel Finance School in NZ - Make it stand out Katie and Alan Donegan with the Lord-Lieutenant of Greater London, after receiving their British Empire Medals for services to financial education in 2025. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/4e1f31d5-ebd2-4922-84ae-a1114642eb86/Investing-for-Kiwis-Rebel-Finance-School-2026.png Blog - Applying Rebel Finance School in NZ - Make it stand out Watch on YouTube: Investing for Kiwis, Rebel Finance School 2026 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/62d95960-1c65-4851-aaa6-a9a1ed3a8ec7/BUILD-IT-Three-Low-Fee-Providers.png Blog - Applying Rebel Finance School in NZ - Make it stand out BUILD IT - The performance of the three providers in the 10, 15, and 20-year ‘build it’ phase. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/94f2e816-f598-4c6a-a3f7-840e734e36ea/LIVE-FROM-IT-Three-Low-Fee-Providers.png Blog - Applying Rebel Finance School in NZ - Make it stand out LIVE FROM IT - Selling off a monthly amount, allowing you to fund your retirement. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/c4f265ee-1741-4c3f-9826-9db766eed4f0/So-how-did-I-choose.png Blog - Applying Rebel Finance School in NZ - Make it stand out How did I choose a provider? https://www.thehappysaver.com/blog/becoming-minimalizzy monthly 0.5 2020-03-23 https://www.thehappysaver.com/blog/the-budget-says-yes monthly 0.5 2020-03-23 https://www.thehappysaver.com/blog/taking-a-mini-retirement monthly 0.5 2020-03-23 https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1543386601476-C7EMIBMOKQJQH0W11CF7/pete-milla-cade-jen.png Blog - Taking a Mini-Retirement Me (Pete), Milla, Cade and Jen on our last night in Thailand before heading back to Vietnam. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1543389308661-M0PMCEG0FU25TRLKWTRC/view-from-cafe-across-river-in-hoi-an.png Blog - Taking a Mini-Retirement The view from our favourite cafe, across the river in Hoi An. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1543389358227-1N8HNTBAAV0PSHSI9S1Y/kitchen-in-our-house-in-cam-chau.png Blog - Taking a Mini-Retirement The kitchen in our rented house in Cam Châu. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1543389501796-U1M71YF6Y331B48F4DQV/kids-in-the-coffee-shop.png Blog - Taking a Mini-Retirement The kids in our favourite cafe. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1543389693239-HBOTWBZLZIVALPHVMF32/our-yamaha-nuovo-110cc-scooter.png Blog - Taking a Mini-Retirement Our Yamaha Nuovo 110cc scooter bought for $270 NZD. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1543389748875-P5YMQTILXVKGINBAXIUI/schoolwork-being-completed.png Blog - Taking a Mini-Retirement Schoolwork being completed. https://images.squarespace-cdn.com/content/v1/572fc6042b8dde9e10b6ea9d/1543698947519-CP5LWMIY12B8YBRKH4RB/duck-going-for-a-ride-on-motorbike-in-vietnam.png Blog - Taking a Mini-Retirement https://www.thehappysaver.com/blog/category/Emergency+Fund monthly 0.5 https://www.thehappysaver.com/blog/category/Smart+Invest monthly 0.5 https://www.thehappysaver.com/blog/category/Hatch monthly 0.5 https://www.thehappysaver.com/blog/category/Jonny%27s+Take monthly 0.5 https://www.thehappysaver.com/blog/category/Bank+Account monthly 0.5 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