New Zealand Personal Finance Blog Feeds

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

  • 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}

  • Read some of these fiction books in 2021

    As with 2020, I'm starting the year with a list of books that I'm delighted to recommend. These seem to be popular articles with the types of readers I love hearing from! One of the big filters I've applied is that I've chosen books that many people may not be aware of. So: nothing from Lee The post Read some of these fiction books in 2021 appeared first on NZ Wealth & Risk.

  • 7 Ways to Save Money On Meat

    Meat is a huge part of the budget each month for grocery shopping in most homes. I have gathered some ... Read more7 Ways to Save Money On Meat

  • End of Year wrap up 2020

    2020 has come to an end. And what a year it has been. March tested our risk tolerance with a historic drop in world share markets of around 25%. Early in March, I had a look at past viral outbreaks and their effects on the share markets. There was a suggestion going around that pandemics and epidemics effects on the market are fast-moving and often ... Read MoreEnd of Year wrap up 2020

  • How Much Is Six Figures?

    Six figures. Usually a term bandied about as a marker of success. Something to aim for, perhaps. How much is ... Read moreHow Much Is Six Figures?

  • 2021 resolutions for your business!

    It’s the NEW YEAR so lets have some 2021 resolutions!!! Woohoooo!!! 2020 was really something wasn’t it? Back when I was a kid I used to imagine that in 2020 we’d be living in high tech cities, have flying cars and have achieved global utopia. Instead we have a raging pandemic, a precarious global economy … 2021 resolutions for your business! Read More » The post 2021 resolutions for your business! appeared first on Sam Harith - The Comic Accountant.

  • Read some of these non-fiction books in 2021

    As with 2020, I'm starting the year with a list of books that I'm delighted to recommend. These seem to be popular articles with the types of readers I love hearing from! One of the big filters I've applied is that I've chosen books that many people may not be aware of. So: nothing from Lee The post Read some of these non-fiction books in 2021 appeared first on NZ Wealth & Risk.

  • Why I hate mates’ rates.

    Mates’ rates. Ever heard of mates’ rates? You often encounter people asking for them when you just started a business, or even better, once your business is starting to take off.  “Aw, hey man, could you maybe give me a discount on your stuff?” “Eh, sis, we’ve been friends for so long, give me a … Why I hate mates’ rates. Read More » The post Why I hate mates’ rates. appeared first on Sam Harith - The Comic Accountant.

  • Saving a Little Early is Better than Saving a Lot Later

    At the beginning of each year, a lot of people make resolutions. You might think it’s silly, but there is some basis for it. Even though it is just the start of another year, the New Year is a way to trick our brains. It’s an anchor in time. Anchoring is a cognitive bias where you depend too heavily on an initial habit or behaviour, ... Read MoreSaving a Little Early is Better than Saving a Lot Later

  • How To Afford To Be A Stay At Home Mum

    For many of us, the first question that comes to mind when we discover we’re pregnant is “can we afford ... Read moreHow To Afford To Be A Stay At Home Mum

  • 2020 in review: favourite articles (and popular articles)

    In 2020, this website had over 10,000 visitors, over 15,000 visits, and nearly 45,000 page views. (In some ways, that sounds like a lot. Compared to many other blogs, including several Kiwi-based money blogs, that’s very middling.) I published a new article every single Friday at 8am, plus a few extra articles in the middle The post 2020 in review: favourite articles (and popular articles) appeared first on NZ Wealth & Risk.

  • What I learned from my kid’s disappointment in a crappy Christmas present

      As a rule follower, I shouldn’t be surprised by now when other people don’t play by the rules. Especially in this case. Gifts for kids are fraught! The daycare Christmas party had Santa handing out presents to every child, with each parent responsible for buying a gift for $10 or less for their own ... The post What I learned from my kid’s disappointment in a crappy Christmas present first appeared on NZ Muse.

  • Smartshares Exchange Traded Funds: Understanding the Unit Price

    I’ve recently had a few email questions regarding Smartshares and their unit price, so I thought I would try to answer them here so that you can also get your head around how the Smartshare funds work. Again, I am not an expert- I’ve tried to answer these questions both from what I know, doing research, and just reaching out to the providers themselves. Generally, ... Read MoreSmartshares Exchange Traded Funds: Understanding the Unit Price

  • Hedonic treadmills, psychological immune systems, and a call for boldness

    In the world of finance, people love to talk about the hedonic treadmill. Reach a certain milestone – a level of income or wealth, a purchase you’ve had your heart set on – and you eventually fall back to your baseline level of happiness, and find the next thing to strive towards. It’s a treadmill. The post Hedonic treadmills, psychological immune systems, and a call for boldness appeared first on NZ Wealth & Risk.

  • Are regular baby formulas not working for you? Here’s what to try next

      What baby formula should I buy for my infant? It’s a question that probably only keeps getting harder to answer. There’s a huge spectrum of formulas out there – and I’ve spent quite a bit of money trialling different ones. If your kid is doing fine on a basic supermarket formula, you’re good to ... The post Are regular baby formulas not working for you? Here’s what to try next first appeared on NZ Muse.

  • Lots of challenges are hard, but not complicated

    (TLDR: For being “smart”, I can be really dumb sometimes. This article constitutes a major insight for me, but for many people the response will be: “DUH!”) Lots of things are simple but not easy. It’s easy to understand what you should do, but the hard part is doing it. Certain types of people lose The post Lots of challenges are hard, but not complicated appeared first on NZ Wealth & Risk.

  • The Swear Jar Rules That’ll Help You Stop Cursing (maybe)

    The good ol’ swear jar. Parting the potty-mouthed with their pennies since forever. If colourful language is your swan song, ... Read moreThe Swear Jar Rules That’ll Help You Stop Cursing (maybe)

  • November Update 2020: 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 MoreNovember Update 2020: Journey to Financial Freedom update

  • What does it mean to be a GST registered business?

    Hey there accounting fans, last time I wrote about how GST works, this time I will be writing about what it means to be a GST registered business! What does it mean to be a GST registered business? It means that you are now responsible for collecting GST from your customers and returning that amount … What does it mean to be a GST registered business? Read More » The post What does it mean to be a GST registered business? appeared first on Sam Harith - The Comic Accountant.

  • It’s trade-offs all the way down

    The word “decide” has interesting origins. Compare it to a few other words, like homicide, suicide, and genocide. The suffix, “cide”, can be traced back to Latin: “to cut”. Or: to kill. Making a decision brings about a death. That death is to other options you could have taken. Decisions require options If you only The post It’s trade-offs all the way down appeared first on NZ Wealth & Risk.

  • 27 Super-Useful Ways to Save Money on Groceries

    We all know spending less is the key to living a frugal life. But finding ways to save money without ... Read more27 Super-Useful Ways to Save Money on Groceries

  • How does Goods and Services Tax (GST) work?

    Hi there accounting fans! Let’s talk about GST (Goods and Services Tax)! Ok, real talk time – one of the things the many things I get asked as an accountant are: “How can I get a GST refund?” “Why am I paying so much GST?” “I’m paying so much tax, why do I need to … How does Goods and Services Tax (GST) work? Read More » The post How does Goods and Services Tax (GST) work? appeared first on Sam Harith - The Comic Accountant.

  • 5 Signs You’re Frugal Not Cheap (Yes They’re Different)

    Frugal not cheap, what to say next time someone calls you the C word Not that C word – geez, ... Read more5 Signs You’re Frugal Not Cheap (Yes They’re Different)

  • When, not if

    New Zealand has had a pretty good run in relation to COVID-19, especially compared with the rest of the world. After more than three months of being free of COVID-19 in our community, it appeared again. Instead of the entire country going into high-level lock-down, the second time around it was localised to Auckland. It looks like The post When, not if appeared first on NZ Wealth & Risk.

  • 69 Free Gift Ideas They’ll Totally Love

    The holiday season can be hard on your wallet – but the good news is, it doesn’t have to be! ... Read more69 Free Gift Ideas They’ll Totally Love

  • InvestNow’s Flexible KiwiSaver Scheme Review

    InvestNow has been hinting about their move into offering a Kiwisaver scheme for some time now. And I was waiting to see what they were going to offer. The anticipation was that it would be similar to Superlifes scheme- where you can individually choose the allocation amount to different funds. But, InvestNow has the advantage of having funds from many different fund providers- whereas Superlife ... Read MoreInvestNow’s Flexible KiwiSaver Scheme Review

  • We Paid Off Our Home in Five Years. I Blame Minimalism.

    We managed to pay off our home mortgage in five years. I blame it on minimalism. It makes sense I ... Read moreWe Paid Off Our Home in Five Years. I Blame Minimalism.

  • 25 Dave Ramsey Tips That’ll Help You Slay Debt

    These are the best Dave Ramsey tips that will improve how you use money and help you get out of ... Read more25 Dave Ramsey Tips That’ll Help You Slay Debt

  • Financial planners provide four distinct services. A lot of Kiwis don’t need them all.

    To my mind, financial planners offer four distinct services. These services have traditionally been offered as part of a single package, for good historical reasons. For a lot of people, the bundling of all these services together is ideal, and this service model will continue even though the historical reasons for this state of affairs The post Financial planners provide four distinct services. A lot of Kiwis don’t need them all. appeared first on NZ Wealth & Risk.

  • Being a good employer: Payroll deductions and record keeping!

    Hi accounting fans and welcome back to the third and final part of our first time employer’s blog! In this last part, we’re going to talk about other necessary deductions you need to make for your employees and why it’s important to keep records and being a good employer. Make the right deductions! Sam here, … Being a good employer: Payroll deductions and record keeping! Read More » The post Being a good employer: Payroll deductions and record keeping! appeared first on Sam Harith - The Comic Accountant.

  • Investing Milestones

    Its been a hot minute since I wrote my last blog post. I’ve been pondering how I can improve the blog and ensure that everyone who reads it can walk away with some new knowledge around investing or personal finance. Any suggestions welcome btw. Send me an email email hyperlink

  • The Inertia In your Life, And how it can affect your finances.

    So let’s imagine its 12 am on a weekday. You’ve got work tomorrow and your still awake on the couch, staring bleary-eyed at the TV. Why? You don’t really know why. Well, it’s Inertia. Inertia simply makes it easier for you to stay sitting there and keep watching rather than getting up and go to bed. So, you keep watching. That’s the power of Inertia. ... Read MoreThe Inertia In your Life, And how it can affect your finances.

  • PAYE and Trial periods!

    Hey accounting fans! We are back with part 2 of the first-time employer’s blog. This episode, Sam Harith – The Comic Accountant and Ashleigh the Advocate are going to be talking about PAYE issues and 90 day trial periods. If you missed part 1, read it over here. So to kick it off: PAYE – … PAYE and Trial periods! Read More » The post PAYE and Trial periods! appeared first on Sam Harith - The Comic Accountant.

  • My cheap car makes me feel rich

    This is my car:It’s a 2005 Subaru Legacy. If I sold it today, I’d be lucky to get $6,000. (It’s the 3-litre version with leather etc.) This is my wife’s car:It’s a 2015 Toyota Highlander. She loves her car: it sparks joy. My car doesn’t spark joy. There’s nothing wrong with my car. A lack of Bluetooth kind of The post My cheap car makes me feel rich appeared first on NZ Wealth & Risk.

  • The REAL reason parenting is so dang hard

      Think you’re emotionally healthy and mature? Odds are, parenting will make you rethink that. Parenting is, some days, like one consistent trigger. The constant flashbacks that This Is Us hits you over the head with used to bug me, until I realised how reflective of reality this truly was if I just stopped to ... The post The REAL reason parenting is so dang hard first appeared on NZ Muse.

  • Sub-contractors and employment agreements

    So, you have recently started a business, and you are considering taking on some employees to help you build your business. It’s an exciting, stressful, and scary step; but it’s often worth it. This is the first of a three-part blog, which will discuss your basic employment law and accounting obligations. So we, The Comic … Sub-contractors and employment agreements Read More » The post Sub-contractors and employment agreements appeared first on Sam Harith - The Comic Accountant.

  • B-listers are best

    I like the idea that we’re living in a multiverse; of our universe co-existing alongside many alternative universes with subtle differences compared to our own. Thinking about the multiverse can lead to all sorts of interesting thought experiments. It can also be a good way of framing the future – what decisions can you make now, The post B-listers are best appeared first on NZ Wealth & Risk.

  • ….And We’re Back!

    Hey there Accounting Fans! We’re back again!  Sorry that it took longer than expected – apparently there was quite a bit of work to be done on upgrading the website but here we are once again!  So as you can probably see – the website has undergone a major overhaul, thanks to the folks over … ….And We’re Back! Read More » The post ….And We’re Back! appeared first on Sam Harith - The Comic Accountant.

  • Every hour wounds, the last one kills

    In honour of the Day of the Dead (2 November) – a moving excerpt about death: “In [the Mexican] tradition… people die three deaths. The first is when our bodies cease to function; when our hearts no longer beat of their own accord, when our gaze no longer has depth or weight, when the space The post Every hour wounds, the last one kills appeared first on NZ Wealth & Risk.