New Zealand Personal Finance Blog Feeds

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

  • What Are Your Business’s Key Success Factors?

    This content has been supplied by the productivity experts – ViAGO International and written by their team member, Matthew Collins. Key success factors are strategies that are critical to growing and maintaining a successful business-customer relationship. However, many business owners do not take time to identify what is necessary to be successful in their industry … Continue reading What Are Your Business’s Key Success Factors?

  • Net Worth – August 2020

    The past month has been good to us in terms of our net worth. It’s all about to change because we just had ventilation installed which means we’ll eat likely [...]

  • Beware the hook baited with prestige

    Status matters to me. It matters to you, too. Because we’re human. Status confers lots of benefits linked to surviving and thriving. We’ve social creatures, evolved to seek and respond to status. Granted, status may mean more or less to you than others. But we all have hierarchies that matter to us. The challenge is, The post Beware the hook baited with prestige appeared first on NZ Wealth & Risk.

  • Investing for children, what we are doing.

    Well we made it folks. In to August we go. Can I just say, I honestly believe that the latter part of this year will be better than the former. It’s been a wild ride but I think and believe the best is to come. Blog update – quality over quantity I wanted to quickly… Read

  • Do you pay taxes back home when you are overseas?

    Today let’s tackle an issue which some people are asking about these days: Paying taxes while you are overseas. Now there seems to be a few misconceptions about a person’s tax obligations while they are overseas. The most common misconception is that people working overseas still have to pay taxes to their home country. You … Continue reading Do you pay taxes back home when you are overseas?

  • Balancing your hustles – Part 3!

    Tip#3: Stick to the plan! Welcome back for part 3 of Balancing your Hustles! So we’ve identified our financial goals! We’ve committed ourselves to planning out a weekly schedule! Now all that is left to do is to STICK TO THE PLAN!!! Having identified our financial goals, we now have a good idea of where … Continue reading Balancing your hustles – Part 3!

  • The Myth of Bad Spending

    When we talk about spending money it’s usually in absolutes. There’s good spending and bad spending. Spending money that you have budgeted for on healthy food is good and spending money on daily coffee is bad. Impulsive purchasing of consumer items and clothing is going to kill you in your sleep. That’s bad spending. But is it really this simple when we talk about spending? or are we simply missing ...Read MoreThe Myth of Bad Spending

  • Generosity Part IV – Conclusion

    This is the final part of my series on generosity. In the first part I covered charitable donations, the second part covered religious giving and the third part was about [...]

  • Figuring Out Your Business’s USP

    Hi team! Starting from this week, I have partnered with the awesome folks over at ViAGO International who will be producing some super awesome quality content for all of you! So for the next 10 Fridays or so, the good folks over there will be sharing their wisdom in enhancing small business profitability and productivity … Continue reading Figuring Out Your Business’s USP

  • Getting started as a financial adviser in New Zealand

    If you’re interested in becoming a financial adviser, this article is my attempt to provide some initial thoughts and breadcrumbs. Background to this article Quite a few people ask me about becoming a financial adviser. In the last couple of months, almost as many potential advisers have reached to me as prospective clients. Based on The post Getting started as a financial adviser in New Zealand appeared first on NZ Wealth & Risk.

  • Balancing your hustles Part 2

    Alright accounting fans! We are back for part 2 of balancing your hustles! Let’s look at the second tip: Tip #2: Schedule relentlessly! Let’s talk about scheduling. Scheduling is arguably one of the least favorite things for me to do. But I still do it anyway. It’s like taking medicine – you don’t really wanna … Continue reading Balancing your hustles Part 2

  • Balancing your Hustles – Part 1

    One of the challenges of starting your own business is that if you are employed (by your boss or by your children), you will most likely be setting it up as a side hustle! Meaning that you are running your business on the side while your main hustle helps you pay the bills. Now, we … Continue reading Balancing your Hustles – Part 1

  • How Much Time Do You Waste- and How Much is it Worth?

    How much time do you “waste”? I’m not talking about time wasted at work skiving off, or taking an extra-long lunch break- I believe that to get ahead in your career you can’t waste time at work. You need to provide value at work to get ahead. So far this attitude has worked for me. I’m talking about wasting your own time. I waste a lot of my time. Especially ...Read MoreHow Much Time Do You Waste- and How Much is it Worth?

  • Generosity Part III – Presents

    I’m a fairly introverted and shy person. This has its pros and cons, but one of the pros is that I don’t get invited to lots of birthday parties 😀 [...]

  • Updates to the accounting services!

    Hi Accounting fans! I’m sure by now most of you would have heard the news that I am teaching full-time at the University of Waikato! This is an exciting new opportunity for me and it is a great way for me to test out some of my ideas about financial and accounting education. But of … Continue reading Updates to the accounting services!

  • Be gritty and quitty

    TL;DR: Be quitty when you know things aren’t right for you. Be gritty with the things that are important to you and the story of your life. I consider myself to be a fairly gritty person. I’ve been able to achieve a thing or two in life, and that’s by being persisting and sticking at The post Be gritty and quitty appeared first on NZ Wealth & Risk.

  • Sam Harith is teaching at the University of Waikato!

    Hi Accounting Fans! I have some great news! I have been offered a teaching position at the Waikato Management School, University of Waikato in the School of Accounting, Finance and Economics (SAFE – it’s a pretty safe acronym tbh). This is super awesome news for me because it allows me to engage in my biggest … Continue reading Sam Harith is teaching at the University of Waikato!

  • How the stock market works

    Hey there accounting fans! Following on from our beginner’s overview to investments – let’s take a look at how the stock market works and what sort of options are available for those of us regular-type individuals who want to invest in the stock market. Now, before we go on any further, I would like to … Continue reading How the stock market works

  • Do You Have a Vision for Your Retirement?

    Do you dream about early retirement? The definition of retirement is the action of leaving one’s job and ceasing to work. That is why the term retirement and financial independence are often used interchangeably. Both, retirement and financial independence, are achieved when you have enough retirement savings and investment incomes or NZ super to cover your expenses. The History of Retirement Retirement hasn’t actually been around for that long- it ...Read MoreDo You Have a Vision for Your Retirement?

  • Generosity Part II – Religious Giving

    This article is going to be about giving people do as part of their faith. If you’re not a person of faith, you might find it interesting out of curiosity, [...]

  • 4 tips for self-employeds to stay productive!

    One of the biggest challenges of being self-employed is staying productive. This is especially true when working from home! I suppose the same can be said about anyone working from home regardless if they are self-employed or not. But if you are employed, you have a boss breathing down your (virtual) neck. If you are … Continue reading 4 tips for self-employeds to stay productive!

  • 38 great podcasts (2020)

    I love podcasts! If you bump into me in person, there’s a good chance I’ll be wearing headphones, listening to a podcast at 1.8x. I love it when I meet someone who likes listening to podcasts, and I love hearing about what they’re listening to at the moment. Back in 2014 I shared some podcasts The post 38 great podcasts (2020) appeared first on NZ Wealth & Risk.

  • Longheld Myths about the Share Market

    Certain myths seem to persist over time. For instance- there’s the myth that there is a dark side to the moon. I blame Pink Floyd for this one! There is no dark side to the moon- it’s just the far side. Which has the same light and dark as the side we can see. The share market is like the dark side of the moon for many Kiwis. Mysterious and ...Read MoreLongheld Myths about the Share Market

  • Money and time travel

    What is money? Many textbooks will talk about how money is a “medium of exchange” and a “storage of value”. These are wonderful and important characteristics. As a medium of exchange, using money means you don’t need to barter for goods and services: you can more easily trade with people, rather than finding someone who The post Money and time travel appeared first on NZ Wealth & Risk.

  • Generosity Part I – Charitable Donations

    As I said in my introduction to this topic, generosity is a subject not often broached by financial independence bloggers as it’s largely a personal thing and therefore no hard-and-fast [...]

  • Kernel Wealth Review + New Index Funds on Offer

    As you all know, I am an avid index investor. I’m generally interested in low cost, well-diversified index funds. There is a good deal of evidence out there that low-cost well-diversified index funds give you the best chance of getting a great return from the share market with little effort. No researching companies, or timing entry and exits of positions- while interesting- I don’t have the time. And lower fees ...Read MoreKernel Wealth Review + New Index Funds on Offer

  • Net Worth – July 2020

    The end of June means the end of the KiwiSaver year, and I’m happy to say that we both contributed enough over the past 12 months that we will get [...]

  • Predict your future! (featuring some personal predictions of my own)

    [I wrote this article in early 2020, before COVID-19. I’ve reflected on my personal predictions and was surprised that COVID-19 hasn’t changed the big picture predictions I have for my own life. Is this the case for you?] I’m fascinated by what the future holds. The many different scenarios ahead of us, as a species, The post Predict your future! (featuring some personal predictions of my own) appeared first on NZ Wealth & Risk.

  • Should You Pay Down the Mortgage Early or Invest Instead?

    Whether you should pay down your mortgage faster, or invest instead, is one of the longest-running debates in personal finance. What should you do with any extra money that you might have- pay off your mortgage, or invest? There are certainly advantages and disadvantages to both sides. Sure, you can be completely analytical and run the numbers to get an estimate of which is better for you in the long ...Read MoreShould You Pay Down the Mortgage Early or Invest Instead?

  • Generosity: Introduction

    Generally the road to Financial Independence focuses on two things: Reducing expenses and increasing income. There’s not often a lot of discussion about money that people just plain give away. [...]

  • There are many different types of “financial adviser”

    There are many different types of “financial adviser.” You may think you want to engage a financial adviser. Or you may wonder whether it’s worth engaging a financial adviser. That’s great! But what type of financial adviser do you have in mind? Unfortunately, the term “financial adviser” is very broad. It describes lots of different The post There are many different types of “financial adviser” appeared first on NZ Wealth & Risk.

  • How to Start a Money-Making Blog in Five Easy Steps

    So you want to start a blog to make extra money? Awesome.  Blogging is how I earn the majority of my income now so it’s only right that I share what I’ve learned.  Plus, it would be difficult to write a blog about making money online and not acknowledge that it is possible to make money ... Read more Author information Emma I'm a mum on a mission to achieve financial freedom and have fun with my family along the way. You can find out more here. | Pinterest | The post How to Start a Money-Making Blog in Five Easy Steps appeared first on Money Can Buy Me Happiness.

  • Paid Surveys Australia: 14 Legit Sites to Boost Your Income

    When I was getting out of debt, taking Australian paid surveys was a key part of my extra income plan. I would take online surveys on the train home and earn extra money during my downtime. There were loads of other things I did to boost my income too (read them here) but Australian online ... Read more Author information Emma I'm a mum on a mission to achieve financial freedom and have fun with my family along the way. You can find out more here. | Pinterest | The post Paid Surveys Australia: 14 Legit Sites to Boost Your Income appeared first on Money Can Buy Me Happiness.

  • Are Bonus Bonds Any Better than Lotto?

    Are Bonus bonds better than buying Lotto tickets? Probably… In a previous post, I tried to visualise the odds of winning the Lotto’s Powerball– and how it doesn’t really make sense to buy lotto tickets at all. The odds are so small that almost anything is more likely to happen than you winning Lotto. And yet- I still purchase the odd Lotto ticket now and then- it’s interesting how illogical ...Read MoreAre Bonus Bonds Any Better than Lotto?

  • Small probabilities, big consequences

    Low probability events shape our lives, more than you'd think. The probability of being born in the first place is infinitesimal. Every single person in your family tree, from your parents upwards, had to meet and conceive at just the right time for you to exist. It's a wonder we're here. The big events in your life may The post Small probabilities, big consequences appeared first on NZ Wealth & Risk.

  • Investing to become a millionaire

    Money, cash, cheddar, dinheiro, geld. The thing that drives most societies these days. The thing that drives us? This title isn’t click bait. No today I will show you how should be investing to become a millionaire. Money is a funny thing in my opinion. Most people view money as the only thing to strive… Read

  • Lotto- The Odds Are Against You!

    I buy lotto tickets- there, I said it. Not all the time, just occasionally. I usually buy them when the jackpot gets really high- like the recent $32 million Powerball- for some reason, I have convinced myself to only buy tickets once the Powerball jackpot goes beyond $20 million. Because you know- anything below 20 million just isn’t worth my time. But why? Only buying tickets when the Powerball is ...Read MoreLotto- The Odds Are Against You!

  • Retiring early is expensive (and so is private education)

    Last week I shared a video which demonstrates a “flawcasting” tool I sometimes use with clients. In that video, I played around with some variables to see the impact on "John and Jane", our hypothetical protagonists, of:retiring earlier or later;assisting their children through university and in private secondary education;one or both being unable to work (due The post Retiring early is expensive (and so is private education) appeared first on NZ Wealth & Risk.

  • Cashing up annual leave

    Here in little ol’ New Zealand we are lucky to have four weeks of annual holidays enshrined in legislation (at least if you’re a permanent employee). But one thing I [...]

  • Filing My Foreign Investment Fund Tax Return

    31 March 2020 marked the end of the financial year for the year 2020 – which also means that in the next few months you will need to file taxes! Luckily, we have an easy tax system in New Zealand. For many people you who are on salaried wages, your tax is automatically done for you through PAYE (pay as you earn). Your employer would have already paid your taxes on ...Read MoreFiling My Foreign Investment Fund Tax Return