Building an emergency fund is one of the most empowering financial decisions you can make. It's about taking control of your financial situation and protecting you and your family from falling into debt when life throws its inevitable curveballs!
In Part 1 of this series, we explored how to create a safe space, start financial conversations from a place of understanding, and how your unique money personalities can shape the way you approach spending and saving. Now, let’s dive deeper into how the words you choose and the way you communicate can either spark conflict or bring you closer. Plus, we’ll talk about how to create your shared vision of a “rich life” and why regular money check-ins can completely transform your relationship.
The homeownership landscape in New Zealand is challenging at the best of times, but for those in their 40s, this decade often represents an important period for re-evaluating your financial situation. Read on for tips on how to revamp your finances in your 40s.
For many couples these conversation end in a full-blown argument or with one or both parties shutting down and refusing to continue the discussion. As a general rule we haven’t been taught how to communicate effectively. This is why having a conversation about money where each partner has different beliefs, strategies and opinions can be difficult.
If you’re a homeowner in New Zealand, you probably dream of being mortgage-free well before retirement. But with rising interest rates, increasing loan terms, and financial pressures, more and more Kiwis are still paying off their mortgage in their 60s and 70s—a situation that can severely limit your lifestyle and financial security in retirement.
Feeling a little dizzy trying to keep up with the news on OCR drops, mortgage rates, and the dreaded "R" word—recession? You’re not alone! So many homeowners have been Googling their hearts out, searching for answers to burning questions about what all these changes mean for their wallets, homes, and futures.
If you’re wanting your new home or investment property to be easily maintained, central, and relatively affordable for a new build, you may be considering a townhouse or apartment. But what are the major differences between the two and how do I weigh these against each other to make an educated decision? In this article we’ll go through the pros and cons of owning a townhouse or apartment and how to align this purchase with your future goals – whatever they may be!
In today's fast-paced, hard-working world, the concept of passive income and how to obtain it is becoming increasingly popular. Who wouldn't want to earn money while sleeping, traveling, or spending time with loved ones? Passive income streams offer a way to build wealth without constantly trading time for money. For those of you who are thinking – “why don’t I just manage this property myself? It’ll save me money as opposed to working with a property manager, and it sounds relatively straightforward” approach with caution - there can be many hidden risks that you’ll uncover along the way, which may cost you thousands.
What is happening in the housing market right now? Is it on its way up? Is it still on a downward trajectory or is it staying the same? And what on earth does this mean for me? In this article we are going to be talking about what's happening right now in the housing market and what Jeff is seeing from his perspective. We’ll also be talking about what opportunities you can be looking forward to, and what you can be doing right now to prepare to make the most of those opportunities.
Many of us feel like there’s a lot more money going out of our accounts over the past two years than money going into it. That may leave you pondering whether you should open a high-interest savings account to get a good return on investment OR pay down your debts such as your mortgage, car loans etc. So that you don’t have to fret as much when interest rates rise. In this article, we’re going to demystify this decision for you, helping you decide what is the best decision for your financial situation.
