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How to Create a Budget

So, you have decided to take charge of where your money is going and what you are doing with it – you have some goals in mind and know the main tool to help you get there is to have a personal budget in place. A budget is a great snapshot of where your money is going, and it can help you feel more in control of your finances, and it helps to make your savings goals achievable. The trick…

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Catastrophic thinking to possibility thinking

As we know, mindset matters – so what are some of the things we can do for ourselves in order to move from catastrophic thinking to possibility thinking? First, what is catastrophic thinking and why do some of us think in this way, as opposed to others who think in a more positive way. Catastrophic thinking is a form of cognitive distortion which leaves some of us focusing on the negatives in life, rather than perceiving the positive aspects of…

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Shopping your own Wardrobe!

What does shopping your own wardrobe even mean? Let’s define that first! Shopping your wardrobe is a coined phrase to describe creating outfits from clothing, shoes, and accessories that you already own. It can be a helpful way to make the most of your existing wardrobe without spending money on more stuff you may actually find you do not need. Talk about sustainability – that’s it right there! (Mother earth and your budget thanks you!) If you are one of…

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Weekend Five – The Final Showdown

The final weekend and challenge of the Declutter Challenge by Femme Finance! We feel like it flew by! This weekend we are focusing on decluttering your finances, friends…and all importantly your car.  Have you ever had that feeling that your physical environment is impacting on your mental wellness? Where the piles are affecting your mental focus and that sense of overwhelm is setting in due to what seems like a lack of control. This leaves you open to the option…

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Weekend Four: The Tale of the little dust bunnies

This weekend’s declutter challenge is a bit of a free for all. We do have a main focus and that is the dust collectors that cover our tabletops, counter tops and other innocent surfaces about our homes. In addition to the dust collectors and having already decluttered (or in the process of decluttering) the main areas of the home, we will leave it up to you as to what room you want to pursue next. The kids toy room? The…

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Weekend Three: Tales from the Man Cave & Adventures from the Powder Room

Weekend Three and we are halfway through The Declutter Challenge by Femme Finance. If you have just joined us – welcome! If you have been with us form the beginning – excellent! Glad you are still here. We thought we would throw decluttering the garage into this weekend along with the bathroom just in case there are a bunch of boxes with recently decluttered items sitting in the garage, which, let’s face it is one big dumping ground the majority…

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Weekend Two: The Land of the Lost Tupperware Lid

Welcome back to The Declutter Challenge by Femme Finance. It’s Weekend Two and we are looking at one of the messier places in the house – the Kitchen and Pantry. Again, this is your journey. If this area of your house is neater than a pin, choose a different space to focus on. Or, if you are like us here at Femme Finance, and have just realised that most of the stuff at the back of your fridge has expired…

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Weekend One: Narnia and other bedtime stories

It’s Weekend One for The Declutter Challenge by Femme Finance and we are focusing on… Wardrobes and Bedrooms. Remember, you decide how your decluttering challenge goes and you decide what you want to tackle first – the wardrobe or the bedroom. Some of you may keep pretty tidy and decluttered wardrobes already, so if you are one of those amazing people, who I aspire to be, have a look about your bedroom space unless you feel like an overhaul of…

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THE DECLUTTER CHALLENGE

Does it spark joy? A question put out to the world via Netflix’s 2019 series ‘Tidying Up with Marie Kondo’ and 2021 series ‘Sparking Joy with Marie Kondo’. It resulted in thousands of New Zealanders decluttering their homes, wardrobes, garages kitchens and bathrooms inundating charity shops, clothing bins and refuse sites with the castoff items that no longer sparked jubilance. Decluttering one’s surroundings does have a profound effect on a person’s wellbeing. Psychologists have coined the term “clutter effect” where…

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An Om Moment

The start of the year is generally one of reflection for most people so let’s lasso this energy and take a look at what’s important to you. With the never-ending stampede that is Covid we have had to take a long hard look at how we are living out our one and precious life. Are you living paycheck to paycheck? Are you at work more than you are at home? Anxiety becoming a daily thing? Feeling like a slug most…

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How to get back on track after the silly season: 

Did you overspend and overindulge this silly season? Don’t worry we did too! Now we have hit 2021 its time to take back our spending and start to control what we are doing with it again. The average New Zealander spends roughly $645 per Christmas period whether that be gifts, food travel etc. 32% of people use credit cards to pay for this period compared to 58% who will be using a debit card or savings. Unless you are budgeting for…

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The Online Scam

If you were tuning into your More FM radio station on the way to work this morning, you would have heard Lana one of the announcers discuss her unwilling participation in an online bank account scam. A call out to listeners in the community to make contact with the radio station to see if this was a common experience, had More FM receive a huge influx of calls saying this very thing has happened to them! One women caller, who…

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Silly Spending over the Silly Season – How to prepare and not overspend

With only seven Mondays left until Christmas, yes seven, the silly season is on everyone’s mind! This time of year, can make people anxious to be able to find the funds to pay for all the gifts, food, travel etc. With the silly season comes planning and in regards to your finances it should be a well thought out plan, so you are not leaving yourself short for the new year! Read below our tips on how we prepare for…

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Mindfulness & Money

What is mindfulness: It is the basic and innate human ability to be self-aware at the physical, emotional and mental levels; and remain detached from what we experience at these levels. What are the benefits of mindfulness: Self-awareness Enhanced wellbeing We become more effective Assists with behaviour and attitude changes Reduced stress Improves focus Improves the ability to be non-reactive Being mindful has so many benefits and these include being kinder to ourselves, which ultimately leads to better self-talk, improved…

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How To Get Out Of Short Term Debt

Listen to our Short Term Debt podcast episode here. Debt, as we all know, is so easy to get into but extremely difficult to get out of. Having multiple different short term debts can make it confusing to manage and, when only paying the minimum repayments it is hard to get them paid off. Everyone is different when it comes to paying off debt. You tend to either use the emotional, snowball or avalanche method, depending on your motivation. Your…

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What Is Short Term Debt

You’ve probably heard a lot about short and long term debt, but do you understand the difference between the two? There are long term debts which (as the name suggests) are over a long period of time and 99% of the time is an investment and therefore you are likely to gain from it – think mortgages where your home is the asset and is likely to grow in value, or student loans which provide a means to gaining a…

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Living Pay to Pay – How to Avoid It

Living pay to pay can be a stressful and worrying way to live, and, unfortunately, 63% of New Zealanders are living this way. Counting down the days until pay day because you have $1 in your account can mean you are constantly scrambling to make ends meet, struggle to pay bills and it makes it nearly impossible to get ahead financially.   It’s also likely that you don’t have any funds set aside for unexpected costs that may come up, which of course (if the unexpected does happen),…

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Cheap Date Night Ideas

We all love having a night out with our friends or partner but often it’s hard to do this when you are on a budget – going out for dinners or to the bar for “some” drinks every time can become quite costly! We’ve put together a list of fun but cost-effective date night or activity ideas for you to work your way through. This way, you can still spend quality time together with your partner / husband / mates…

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Reframe Your Money Mindset

Do you find yourself living pay-to-pay, spending all your money the minute it enters your account, or wondering where your money has gone / why you don’t have the money there to pay for bills you knew were coming? You may find that you have a ‘limited’ money mindset – but don’t worry! We are here to explain what money mindset is (and what we mean by limited vs growth) and how you can change your mindset – helping you…

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Why you should invest in yourself

We often associate the word “investing” with our finances, however, we are our own greatest asset. So if this is true, are we valuing ourselves enough to invest and lead us to living a life we love? In this article, we explain why you should invest in yourself. Listen to our podcast about investing in yourself here. Any successful business knows the importance of investing in their real estate, human resources, intellectual property etc. to optimise their performance. As individuals,…

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Are You Financially Healthy?

Do you feel overwhelmed when it comes to your finances? Don’t know if your income is enough to cover all of your outgoing costs? Do you check your balance on the regular, or are you more of an ‘avoid checking at all costs’ type of person? These questions are a good starting point when it […]

Who is Femme Finance?

Welcome to Femme Finance! We are Emma & Amy and we’re excited to be here to talk to you about all things finance, lifestyle and mindset. We’re both financial advisors and have a passion for finance – so this is what you’d call our passion project. We are not here to give you personalised advice […]