Tales from a financial hot mess: The book review

Tales from a financial hot mess: The book review

A little over a year ago I was invited to be a guest on Frances Cooks Cooking the books podcast.

Being an introvert who doesn’t like attention this was extremely nerve wracking for me, but the general response from the public was great and I am so glad the interview helped to get the financial independence message slightly more in the mainstream.

Frances was great a host that made me feel as relaxed as possible and knows her stuff too. I made the assumption that she always knew about personal finance.

So I was both excited, and a little confused, that she was releasing a book where she refers to herself as a financial hot mess […..]

How a 20 minute move has saved me over $300,000

How a 20 minute move has saved me over $300,000

The other week, I posted an article about focusing on the big three expenses of housing, transport and food. How progress can be made so much more quickly by cutting down on the big expenses, instead of the smaller expenses.

Well today I will go into detail of how I managed to cut on housing costs. Just one financial move that will save me hundreds of thousands of dollars […..]

Simplicity enters the home loan market, but at what cost?

Simplicity enters the home loan market, but at what cost?

I realise I’m touching a hornets’ nest with this one. Simplicity is the do good favourite son or daughter of many people. And for good reason. They have done great things for investors in New Zealand.

I recommend Simplicity funds to many of my clients due to their low cost and diversified funds.

However, I am not a fan of this latest offering […..]

What active fund managers don't want you to know

What active fund managers don't want you to know

On many previous blog posts I have mentioned that passive index funds generally outperform actively managed funds over the long term, and that with each passing year, more and more active funds drop below the indexed average.

This is because it is easy to win once, but to win repeatedly over 15, 20, 30 years becomes increasingly difficult.

I realised I’d never actually shown the research to prove my claims. So today, I have some research results from international research company Morningstar […..]

Friday faves: Volume 4

Friday faves: Volume 4

For those who don’t know me, I am an Authorised Financial Adviser who blogs about Financial Independence. I am on track to be financially independent by the age of 45.

Every Friday I share some of my favourite content that I have read, watched, or listened to that week. Most of the content will be focused on achieving financial independence, although achieving happiness also plays a big role.

There are a lot of great blogs out there, and hopefully the Friday faves will introduce you to a new website.

Maybe just not your favourite one :).

Happy Friday all. Congratulations, you have made it to the end of another week. Here is my selection of best content for this week […..]

A recession is coming

A recession is coming

Hold on to your hats people, an economic recession is coming. Unemployment will rise. House prices will fall. Stock markets will crash.

The results of an economic recession can be devastating. Especially to those who have yet to experience one. The last one was in 2007-08.

That means there are a whole lot of people under the age of 35 that may have not experienced a recession in their working (earning income) lifetime […..]

Friday faves: Volume 3

Friday faves: Volume 3

For those who don’t know me, I am an Authorised Financial Adviser who blogs about Financial Independence. I am on track to be financially independent by the age of 45.

Every Friday I share some of my favourite content that I have read, watched, or listened to that week. Most of the content will be focused on achieving financial independence, although achieving happiness also plays a big role.

There are a lot of great blogs out there, and hopefully the Friday faves will introduce you to a new website.

Maybe just not your favourite one :).

Happy Friday all. Congratulations, you have made it to the end of another week. Here is my selection of best content for this week: […..]

Friday faves: Volume 2

Friday faves: Volume 2

For those who don’t know me, I am an Authorised Financial Adviser who blogs about Financial Independence. I am on track to be financially independent by the age of 45.

Every Friday I share some of my favourite content that I have read, watched, or listened to that week. Most of the content will be focused on achieving financial independence, although achieving happiness also plays a big role.

There are a lot of great blogs out there, and hopefully the Friday faves will introduce you to a new website.

Maybe just not your favourite one :). You’ll come back to me right?…….….RIGHT?

Happy Friday all. You have made it to the end of the week. Here is my selection of best content for this week […..]

Friday faves: Volume 1

Friday faves: Volume 1

For those who don’t know me, I am an Authorised Financial Adviser who blogs about Financial Independence. I am on track to be financially independent by the age of 45.

Starting today, every Friday, I will share some of my favourite content that I have read, watched, or listened to that week. Most of the content will be focused on achieving financial independence, although achieving happiness also plays a big role.

There are a lot of great blogs out there, and hopefully the Friday faves will introduce you to a new website.

Maybe just not your favourite one :). You’ll come back to me right?…….….Right?

Happy Friday all. You have made it to the end of the week. Here is my selection of best content for this week […..]

Using your mortgage as an emergency fund

Using your mortgage as an emergency fund

I am a member of a few personal finance related online forums and I frequently see the question of “Where should I put my emergency savings?”

Without a doubt, the top answer always tends to be to keep it in the mortgage account, for those that have a mortgage.

Now the members of these communities mean well, but unlike financial advisers, they are no repercussions for bad advice, or advice given without explanation of the risks […..]

Using Kiwisaver to buy a house

Using Kiwisaver to buy a house

A few months back, I wrote an article worried about the number of people using their Kiwisaver retirement funds to buy a house.

It seemed to me that a lot of us were tapping into our Kiwisaver just because we can, and I’m not sure that everyone understands the impact this may have on long term savings.

Well I have recently come across a report that tells us how many first home buyers are tapping into their Kiwisaver to buy a house […..]