Get Your Personal Finances Sorted in Five Stages

Get your personal finance sorted in 5 stages

It takes time to get your personal finances sorted. And often you don’t know where to start. And the thing is that no one can really show you how you should sort your personal finance, after all, personal finance is exactly that- Personal. However, there are several key stages in personal finance that you do need to get sorted. These are the stages that I have gone through to get …

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Should You Invest in an Electric Bike?

Should You Invest In An Electric Bike?

Electric bikes are all the rage today- In fact, anything electric. Scooters, bikes, cars- There is a lot of hype around all of them. But should you buy one? Electric bikes make riding a bike effortless, at any speed, almost up any hill. You don’t even need to be an athlete to get all the glorious benefits of cycling. And think about what would traffic be like if everyone had …

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10 Steps Needed to Achieve Financial independence in NZ

10 Steps Needed to Achieve Financial independence in NZ

If you’re like me then you have a dream to become financially independent- it’s an admirable goal. But why do so few people actually become financially independent in New Zealand? Financial independence doesn’t happen overnight- and that’s where the problem lies. It takes a detailed plan and years of willingness to commit to the plan before you will financially become financially independent in New Zealand and any other country around …

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Is the “No Spending Day Challenge” a thing?

Is The “No Spending Day Challenge” A Thing?

Recently I came across several posts and YouTube videos talking about the no spending challenge- and how you can use them to save money. They ranged from not spending money on certain days of the week or trying to not spend anything for 30 days. So what is the No Spend Challenge? The idea is that if you’ve been struggling to save money you could assign a few days a …

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Are we Evolutionary Hard wired to consume?

Are we evolutionary hardwired to consume?

When I look around at nature- it’s hard to miss the fact that everything is competing for resources. Take all plants, they are hardwired to compete for and consume resources. Plants and trees try to grow the fastest or grow the tallest to secure access to the main resource they need- light. That got me thinking- are we humans genetically or evolutionarily hard-wired to consume resources and compete with each …

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How to Get the Most out of your Travel Money

How to save money on currency exchange while traveling

Do you like to travel? We tend to travel abroad every few years to experience new cultures and visit amazing natural wonders. And I normally travel to Australia to attend conferences or training courses every year. I know, travel is counterproductive towards our goal of becoming financially independent. You might say that travel is our spending vice. Even though spending money on travel will increase the time it will take …

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How to Get Rich by Driving a Cheap Car

buying a cheap car can make you rich in New ZealandHow to Get Rich by Driving a Cheap Car

In the last few weeks, I’ve read a few posts about how much you should spend on a car. Specifically- the question goes like this- how much should I spend on a car given that my net-worth is x. Personally- I think this is an illogical question, more about that later Optimise your Car, Optimise your Life Lets go back to the basics on how to optimising your life. The …

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Are We Overdue for Another Recession?

Are We overdue for another recession?

Are we overdue for another recession? Who knows, and should you care? Now, I know I’m not qualified to write about, or speculate about when the next recession will hit, or what will be the likely cause of the next recession. I don’t think there are many people who are qualified to speculate- But I’ve done some reading. Just like at the beginning of 2018, there have been a number …

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The Cost Of Housing: to Rent, or to Buy- Regional Data

The cost of housing in New Zealand- Regional Data

One of the cornerstones of managing money is to focus on the big three. The three areas in your life that you spend the most money on. They are housing, transport, and food. If you optimise these three aspects you of your life, you can really speed up your journey towards financial independence. Note I deliberately didn’t say you need to save or cut spending on these three aspects- you …

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Simple Money Saving Tips for Everyday Kiwis

Simple Money Saving Tips for Everyday Kiwis

Over the years I have learned about and use many money saving tips that are relevant to living in New Zealand. I want to share these with you! To help you on your journey to becoming financially independent. So here are some money saving tips that will get you off to the right start. Pay insurance annually Insurance is necessary. But remember that insurance if for big unexpected life events- …

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