New Zealand Personal Finance Blog Feeds

All the latest posts from your favourite Kiwi personal finance blogs in one place!

  • The joy of going down rabbit holes

    “You waste years by not being able to waste hours” – Amos Tversky When I started working as a lawyer, I liked the idea of time recording. In fact, before I started practising law, I had been experimenting with recording how I spent my personal time. Way before Fitbits and smartphones (and children), I felt The post The joy of going down rabbit holes appeared first on NZ Wealth & Risk.

  • 15 Jobs Where You Work Alone (for Introverts) [2021]

    While some people tend to thrive in social settings, others need a quieter and calmer work environment. If that is ... Read more15 Jobs Where You Work Alone (for Introverts) [2021]

  • The housing package

    The Government announced its new housing package on 23 March.  In doing so, they used some political capital. The following meme is apt:Any significant change that might impact residential housing prices was going to trigger a fight. The changes announced? Definitely.  Below are some of my comments about the package, not to mention the commentary surrounding it, The post The housing package appeared first on NZ Wealth & Risk.

  • 50. An investor with military precision!

    I first heard from Hamish when he sent me an email in late 2020 telling me that back in 2018, at the age of just 24 he had saved up and bought a $379,00 house in Palmerston North with a big deposit of $125,000. Apparently, that’s meant to be impossible in this day and age? Hence, no surprises I was pretty keen to hear more from Hamish about the how and the why of this. The short answer from him was he achieved it by planning and deliberate effort. He said that too many people fail to plan for something that they want - but they still expect it to happen. Not so with him.

  • How we invested 6 figures in 2 years

    That might go down in history as my most clickbait title ever. Well, it is not. We sold our home recently and were lucky enough to have made a little money after putting in quite a bit of work. So this post will detail exactly the timelines involved, and how we managed to get where

  • March 2021: Journey to Financial Freedom update

    Welcome to Passive Income NZ, my Journey to Financial Independence. Every month I share how I am tracking towards financial freedom by providing you with an update of where my portfolio is at and how far I am from financial freedom, and how my spending is tracking. My definition of financial freedom is not really the same as everyone definition. It’s not to stop working; ... Read MoreMarch 2021: Journey to Financial Freedom update

  • Podcast episodes to realign your perceptions

    The word “blog” started as a truncated version of the term “weblog”. But if you ask most regular bloggers, they’ll tell you it really means “backlog”. I’ve got LOADS of articles up my sleeve, but they’re in various states of undress and not ready for publication. In the interim, I thought I’d share some podcast The post Podcast episodes to realign your perceptions appeared first on NZ Wealth & Risk.

  • 49. Everything I thought I knew about money was wrong

    “Well this is awkward” I thought when some guy called Chris started secretly emailing me without his partner’s knowledge! Big long emails with tonnes of questions about personal finance, my favourite topic for sure! That is how I came to sit on the sidelines of the transformation of not just Chris but of his partner Rosemary’s (phew, he told her) financial life. It took a bit of work to get her on board but finally, together, they embarked on a journey to financial independence and the pursuit of happiness. I’m delighted to bring you this podcast today and I hope you enjoy listening to it as much as I enjoyed creating it.

  • The 5 biggest investing mistakes I’ve made

    Being an investor who started from almost zero knowledge, I've made plenty of mistakes. Let's have a look at the biggest investing mistakes I've personally made and what I've learnt from them. Continue Reading...

  • How I’ve started doing shadow work (and why it matters)

      What is shadow work and why the hell should I care? This, along with reparenting, is pretty new to my lexicon. It’s all part of healing. Moving forward in life despite your baggage. And it pays off in improvements to your self-esteem, relationships, finances, LIFE. You know that feeling that you’re just playing at ... The post How I’ve started doing shadow work (and why it matters) first appeared on NZ Muse.

  • My Experience with Peer to Peer Lending

    When I started investing in 2013, I only knew one thing: I needed to start investing. I was still working out the details of how and what I would be investing in. I tend to learn best by just doing. So I jumped into investing with a small amount of money. The first investments I ever made were in four active managed fund using RaboDirect. ... Read MoreMy Experience with Peer to Peer Lending

  • Regret is a creative act. Channel your creativity and imagination for good!

    It's human to experience regret. In the context of personal finance, most of my clients express regrets about financial decisions they’ve made in the past. Sometimes these regrets relate to what they’ve done, such as investments that worked out badly. (Usually these relate to businesses or property.) Just as often, these regrets relate what they didn’t do, such The post Regret is a creative act. Channel your creativity and imagination for good! appeared first on NZ Wealth & Risk.

  • Why I don’t invest in US and ASX Shares

    Back when I first started investing, buying shares in US listed companies was awfully expensive. You had to invest at least tens of thousands to make the fees (which were probably upwards of $100) worthwhile. More recently services like Hatch, Stake, and Sharesies have opened a whole new world to Kiwi investors offering US shares with much more reasonable fees. And soon we'll also get easy access to ASX listed shares though Sharesies. I jumped onboard almost immediately, excitedly investing in US companies like Facebook and Apple. I had also started a small portfolio of ASX companies through Australian broker NABTrade. But after less than a year I had decided to sell off all my international shares. In this article, I'll cover the reasons why I made the decision to do so, sticking to New Zealand domiciled investments. Continue Reading...

  • How to Sell Feet Pics Online For Extra Income (Seriously!!)

    Sell feet pics? What, really? I’ll freely admit that I was also a little surprised when I heard that people ... Read moreHow to Sell Feet Pics Online For Extra Income (Seriously!!)

  • COVID-19: twelve months later

    March 2020 was pretty scary. On March 11, the World Health Organisation (WHO) declared COVID-19 to be a pandemic. New Zealand’s 4-tiered Alert Level system was announced on 21 March. On 23 March we moved to Alert Level 3, and on 25 March we moved to Alert Level 4. We didn’t move down to Alert The post COVID-19: twelve months later appeared first on NZ Wealth & Risk.

  • Shades of right – avoiding black & white thinking and “musturbation” when it comes to your finances

    The idea that there is one specific way to invest, or to manage your financial affairs, is kind of weird. This might seem like I’m contradicting myself, since when I prepare advice for clients, I prepare a report with specific recommendations for where and how to invest. Similarly, I often tell people that they need The post Shades of right – avoiding black & white thinking and “musturbation” when it comes to your finances appeared first on NZ Wealth & Risk.

  • How to apply for the Resurgence Support Payment (As of 15 February) in NZ

    Hi there accounting fans! Since Auckland went into a shortened lockdown due to the recent community cases, the government has stepped in to provide a bit of extra funding to businesses who have been adversely affected by the lockdown. Please note that the information contained in this article is relevant to businesses based in NZ. … How to apply for the Resurgence Support Payment (As of 15 February) in NZ Read More » The post How to apply for the Resurgence Support Payment (As of 15 February) in NZ appeared first on Sam Harith - The Comic Accountant.

  • Video video video

    If you ask someone in primary school what they want to be when they grow up, it’s likely that their answer will be “a Youtuber”. You can read all sorts of negative things into this. It could be something to be concerned about. Or, you could think that there might be something about this Youtube The post Video video video appeared first on NZ Wealth & Risk.

  • How Can You Change Your KiwiSaver Provider?

    When you join KiwiSaver, you are automatically assigned a default provider if you don’t select a fund. But you don’t need to stick with this same provider. You can change your provider at any time. The best thing to do is spend some time choosing the KiwiSaver scheme that is right for you- which in the long run, you will mean that you are better ... Read MoreHow Can You Change Your KiwiSaver Provider?

  • Where to learn more finance and accounting?

    So you want to learn more about finance and accounting? Those of you who follow this blog regularly know that I’m quite passionate about building financial confidence in my readers. And while you can find a lot of great information on this blog, I will admit that I only cover a relatively niche topic of … Where to learn more finance and accounting? Read More » The post Where to learn more finance and accounting? appeared first on Sam Harith - The Comic Accountant.

  • Are you sure you’re indecisive?

    Recently, I’ve spoken to quite a few people who describe themselves as “indecisive”. I can empathise. I’ve identified with this label in the past. However, I’ve started to note something else. These same people who call themselves indecisive seem to be in a good position in life, where they have lots of options available to The post Are you sure you’re indecisive? appeared first on NZ Wealth & Risk.

  • Money & marriage: Navigating the awkward conversations and more

    True story. When I was in my teens, the most important advice my parents saw fit to pass on to me about relationships was to get tested … to check that my partner and I were genetically compatible. Honestly, there are so many more things it’s important to be compatible about in daily life. Like ... The post Money & marriage: Navigating the awkward conversations and more first appeared on NZ Muse.

  • 5 no-regrets purchases that make life with a toddler WAY easier

    Voila! A list of things that are making life way better. Because toddlers are hard work. In comparison, it feels like we needed so many more baby products when he was younger (here were my top must-haves when Spud was little.)  I got sick of hoisting Spud up to wash his hands. A  bamboo ... The post 5 no-regrets purchases that make life with a toddler WAY easier first appeared on NZ Muse.

  • Besides house, contents, and car, what other kind of insurance should you take into consideration? My Experience with Insurance

    We all know about the importance of home, contents, and car insurance- but what other insurance should you consider? As I’ve been getting older- I’ve been looking into whether I need more insurance. Sometimes while walking to work, I can feel my hips hurting and wonder what I would do if I cannot work anymore- should I get insurance for that? I’ve now had a ... Read MoreBesides house, contents, and car, what other kind of insurance should you take into consideration? My Experience with Insurance

  • The best route to someone’s soul

    My favourite articles are those that stay with me, many years after reading. One of these articles, from 2015, is Frank Bruni writing about “The Myth of Quality Time” in The New York Times. He starts by explaining that his extended family of 20 meet for a week each year. It’s a regular commitment, made The post The best route to someone’s soul appeared first on NZ Wealth & Risk.

  • Which is better, a Sole Trader or Company?

    Now, one of the most common questions I get asked from my sole trader and company clients is: “Which is better – sole trader or company?” I’ve written about business structures before over here, but since this particular question keeps cropping up, I thought I should address it again.  When deciding between operating as a … Which is better, a Sole Trader or Company? Read More » The post Which is better, a Sole Trader or Company? appeared first on Sam Harith - The Comic Accountant.

  • Thematic Investments: Reviewing Kernels New funds

    If you haven’t heard, Kernel has introduced two new funds. Both these new funds are thematic funds. Thematic funds are the opposite of diversified funds like Vanguard International Shares Select Exclusions Index Fund or AMP’s All Country Global Shares Index Fund. Both of which have thousands of companies in them both diversified in terms of country and industry. Thematic funds have a theme and are more ... Read MoreThematic Investments: Reviewing Kernels New funds

  • 19 Online Jobs For Teens (And How Much They Pay)

    From dog walking and babysitting to freelance writing and social media scheduling, these are the best online jobs for teens ... Read more19 Online Jobs For Teens (And How Much They Pay)

  • Regulatory risk – and opportunity

    I was interested in this article on Stuff.co.nz two days ago: “MPs from all sides turn on Treasury, Reserve Bank and Labour over failure to act on housing”. It reminded me of the maxim: “You may not be interested in politics, but politics is interested in you”. In the context of investing, it reminded me The post Regulatory risk – and opportunity appeared first on NZ Wealth & Risk.

  • Rakuten Review 2021: Save Money When You Shop

    If you’ve stumbled upon this post it’s likely you’re interested in reading a Rakuten review before you sign up or ... Read moreRakuten Review 2021: Save Money When You Shop

  • 2020 – A year to remember?

    2021… We made it. Not without taking a few scrapes and bruises along the way. For a lot of people, 2020 was the worst year of their lives. Losing a family member or friend to a virus has proven very difficult for most governments to handle. I like to think of myself as a glass

  • 20 Crafts to Make and Sell for Profit

    If you enjoy craft projects and creating items used daily, then you may be on your way to making some ... Read more20 Crafts to Make and Sell for Profit

  • My Stealth Wealth course was a dumpster fire – and a raging success

    I recently facilitated a course titled Stealth Wealth, with 20 or so awesome, switched-on participants. The course included six group sessions held on Thursday evenings via Zoom, which wrapped up at the end of 2020. The course didn’t just involve those six group sessions. There were lots of emails and resources before and after sessions. There were The post My Stealth Wealth course was a dumpster fire – and a raging success appeared first on NZ Wealth & Risk.

  • How to Invest For Your Child’s Future in New Zealand

    You are a responsible parent; you want your children to have the best possible start in life. They should be eating well, doing well in school, and keeping up with their regular dental check-ups.You can also invest in their future. If you invest in your children’s future by setting up an investment account for them, you will also have the ability to provide for them ... Read MoreHow to Invest For Your Child’s Future in New Zealand

  • What your balance sheet omits [human capital]

    Your balance sheet provides a simplified view of assets you own which you can sell relatively easily, and which you can put a relatively stable value on. It omits some other valuable assets. Consider, however, that your balance sheet might omit one or more important assets. You might, for instance, own an asset which is able The post What your balance sheet omits [human capital] appeared first on NZ Wealth & Risk.

  • Financial Independence, In Theory, is simple- Right?

    The idea behind becoming Financial Independence (FI), or financial independence retire early (FIRE), has always been simplified down to this. Work out how much you need, or want to spend in a year. Then multiply that by 25 to get the size of the diversified investment portfolio you need. In theory, this will allow you to use the 4% “safe withdrawal rate” to draw down ... Read MoreFinancial Independence, In Theory, is simple- Right?

  • Lockdown silver linings? In which I try to find some meaning in 2020

    Oh, 2020. What is there to say? Were there pros to the pandemic? Silver linings in the lockdowns? The one that first comes to mind is work flexibility. The dream! May it last. The second is time with Spud, albeit with wayyyy too much screen time. And with the dogs. The reduced cost/time of commuting ... The post Lockdown silver linings? In which I try to find some meaning in 2020 first appeared on NZ Muse.

  • What is your asset allocation?

    When it comes to personal finance, asset allocation is really, really, really important. I talk about it a lot, because for most people it should be central to how they think about their investment strategy.What is asset allocation?I should probably explain what I mean, since if you Google the term, the descriptions aren't especially clear. The post What is your asset allocation? appeared first on NZ Wealth & Risk.

  • The story of your life has many chapters

    Lately, I’ve been joking that I often feel more like a biographer than a financial planner. I now wonder whether that’s really a joke, or actually the truth. The reason I started saying this was because when I prepare reports for clients, the sections of the report I spend by far the most of my The post The story of your life has many chapters appeared first on NZ Wealth & Risk.

  • 6 Practical Meal Planning Tips + Meal Plan Template {FREE PRINTABLE}

    Meal planning is an absolute game-changer for your budget. I say this from experience. Because sacrificing quality food isn’t really ... Read more6 Practical Meal Planning Tips + Meal Plan Template {FREE PRINTABLE}