8th Anniversary Giveaway: Guess the Piggy Bank Total!
The Happy Saver.com Blog
by Ruth
6d ago
14 Jul, 2024 I'm hosting a giveaway to celebrate The Happy Saver’s 8th Anniversary.  This isn't just any ordinary giveaway. With her creative flair, my daughter made a paper mache piggy bank way back in 2021. It’s taken three long years of her (and anyone visiting with spare coins jingling in their pocket) diligently filling it up, and now it’s time to break it open and see just how much she’s saved.  To enter to win one of the prizes, all you need to do is be a subscriber to The Happy Saver (Subscribe here if you are not already a subscriber) and take a wild guess at the total amoun ..read more
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Why I Switched My Accounting to Hnry
The Happy Saver.com Blog
by Ruth
6d ago
14 Jul, 2024 I didn’t mean it to happen, but I inadvertently turned my passion project, The Happy Saver, into a business. When we started The Happy Saver in 2016, our primary motivation was to share information on my blog about things I was learning about personal finance. Jonny always said that if I found money and investing interesting, others would. Our primary goal was to help others learn how to manage their money. We were never in it to make money off those same people and never wanted to grow The Happy Saver into a business forced to make money. Our view was if we made money, we saw it ..read more
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Investing Is Not Black and White
The Happy Saver.com Blog
by Ruth
2w ago
30 Jun, 2024 I’m sure you will agree that I can go on a bit. If I’m talking about a topic, such as how Jonny and I recently applied ‘our version’ of The 4% Rule, I explain my reasoning in detail. I have to because MANY factors made up our decision to sell off $20,000 of our investments. Many of them are non-math related because psychology and emotion play a huge and necessary part in managing our money. It’s standard for me to get at least one blunt email saying I’m wrong about a financial decision or purchase I’ve made on behalf of my whānau. Generally, the reasoning given will be based on on ..read more
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Rebel Finance School 2024
The Happy Saver.com Blog
by Ruth
1M ago
16 Jun, 2024 The fact that I never manage to get to the bottom of my inbox because questions about money just keep rolling in tells me that there is a considerable need in Aotearoa for some decent independent financial education and advice. Financial literacy can only come from consistent education, willingness to learn, and taking action. But finding comprehensive information about money is difficult. If you want to understand the basics, get your head in the right space, and make lasting changes to your finances, I’ve got you covered today. I took the time to create a six-part Financial Inde ..read more
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You should pay off your student loan, and here’s why.
The Happy Saver.com Blog
by Ruth
1M ago
2 Jun, 2024 I want to explain why you will often hear me encouraging people to avoid taking out student loans or pay them off as fast as possible if they have them. My suggestion is more controversial than I realised, and I’m often taken to task for my view, particularly by more mathematically minded people. Over almost eight years of talking with people from all walks of life about money, I have found that student loans keep coming up in conversations with former students.  The simple reason is that what is considered a relatively innocuous decision to take on interest-free student debt ..read more
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Part 6: INVESTING - Financial Independence Series
The Happy Saver.com Blog
by Ruth
3M ago
07 Apr, 2024 Congratulations, you have made it to the final blog post in this series of six: INVESTING Investing can be incredibly complex, but I found a way to simplify it. I used to feel overwhelmed by the options available, but now I don't. I’m hoping to help you feel the same way. But still, this is one of the most challenging blog posts I have EVER written. Condensing “investing” into a single document is no easy feat. The Happy Saver was born out of my search for information about what I could invest our money in. It took me years to arrive at our current strategy, which combines KiwiSav ..read more
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Part 5: DEBT FREE - Financial Independence Series
The Happy Saver.com Blog
by Ruth
4M ago
24 Mar, 2024 Get out of debt. Stay out of debt. I think of debt as a phase of life I moved through. That period has passed, and I’ve moved on. Jonny and I have now been entirely debt-free since our early 30s, and I encourage you to head down the debt-free path as well. Debt has always had an ‘ick’ factor for me, a feeling I am grateful for. I like earning interest, but I hate paying it. When I was in my early twenties, each time I went into debt, it was under the advice of others. A good friend encouraged me to lay-by (the 90’s equivalent of BNPL) a piece of art. My Dad encouraged me to take o ..read more
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Part 3: EMERGENCY FUND - Financial Independence Series
The Happy Saver.com Blog
by Ruth
5M ago
25 Feb, 2024 The best thing I ever did was set some cash into a bank account, which we could instantly access in a financial emergency. It is an amount of money set aside in a specific bank account to be used for bailing myself out if something happens that I didn’t otherwise plan for but I need money to pay for.  It takes me less than one minute to log into my banking and move money from my emergency account to my spending account.  I can’t plan for everything. My previous blog post discussed budgeting and planning for upcoming expenses. However, try as I might, I can’t think of eve ..read more
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Part 2: BUDGET - Financial Independence Series
The Happy Saver.com Blog
by Ruth
5M ago
11 Feb, 2024 In the first blog post in this series of six, I quickly showed you how to calculate your net worth. It will take a little longer today, but I want to explain why you need to keep an eye on how and where you earn and spend your money, i.e., budgeting. When you learn to budget, your net worth will begin to increase. Budgeting is simply making a plan for your pūtea (money).  Although I meet hundreds of people who are keen, motivated and willing to do better with their money, I meet few who are “Oh yay, let’s track our spending and earning each month”.  I know. I understand ..read more
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Part 1: NET WORTH - Financial Independence Series
The Happy Saver.com Blog
by Ruth
6M ago
28 Jan, 2024 Welcome to the first post in a short six-part blog series. Finally, I’m crafting a collection of blog posts to cover critical areas that will set you on the right path with your pūtea.  Each day, I answer emails that all touch on one of the following aspects of money: How do you work out your net worth? And why even bother? The purpose and usefulness of budgeting. Why an emergency fund is a good idea. How do you get one? Questions about KiwiSaver How to get out of debt. Why should you bother? Investing. What are my options? I’m repeatedly answering similar quest ..read more
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