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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…Keep reading
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…Keep reading
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…Keep reading
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…Keep reading
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…Keep reading
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…Keep reading
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),…Keep reading
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…Keep reading
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…Keep reading
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,…Keep reading
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