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Shared house ownership calculator (You Own)
Budget spreadsheet
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NZ Superannuation calculator
Retirement calculators
Financial independence calculators
Annuity payout (fixed income) calculators
FIF Tax (International shares) calculators
Best credit card rewards calculators
Take home pay calculators
Student loan calculators
What tax code am I on calculator
Where are my tax dollars allocated calculator
Net worth spreadsheet
Go to Uni or straight to work calculator
How much life insurance do I need calculator
Life insurance or self insure calculator
Inflation calculator
The future impact of inflation calculator
Debt reduction calculators
Electricity provider comparison calculator
Buy or lease a vehicle calculator
Car comparison spreadsheet
Solar panel calculator
Stay at home parent or return to work calculator
Paid parental leave calculator
Countdown timer calculator
Cost of petrol calculator
Percentage change calculator
Take Action

Your Money Blueprint

About
Our service offering
My story
What is a money blueprint?
Testimonials
Contact
Disclosure statement and pricing
Disclaimer
Bookstore
Blog
Powerpoint presentations
Investment planning/Wealth management
Retirement planning
Financial independence/Early retirement
Personal finance
Housing
Behavioural finance
KiwiSaver
Life updates
Recommended content
Calculators
Mortgage calculators
Rent or buy a house calculator
Time to save for a house deposit calculator
Monthly savings needed for a house deposit calculator
How much house can i afford?
Rental property spreadsheet
Should I buy a rental property or invest elsewhere calculator
Shared house ownership calculator (You Own)
Budget spreadsheet
Savings calculators
Investing calculators
NZ Superannuation calculator
Retirement calculators
Financial independence calculators
Annuity payout (fixed income) calculators
FIF Tax (International shares) calculators
Best credit card rewards calculators
Take home pay calculators
Student loan calculators
What tax code am I on calculator
Where are my tax dollars allocated calculator
Net worth spreadsheet
Go to Uni or straight to work calculator
How much life insurance do I need calculator
Life insurance or self insure calculator
Inflation calculator
The future impact of inflation calculator
Debt reduction calculators
Electricity provider comparison calculator
Buy or lease a vehicle calculator
Car comparison spreadsheet
Solar panel calculator
Stay at home parent or return to work calculator
Paid parental leave calculator
Countdown timer calculator
Cost of petrol calculator
Percentage change calculator
Take Action
  • Blog
  • Powerpoint presentations
  • Investment planning/Wealth management
  • Retirement planning
  • Financial independence/Early retirement
  • Personal finance
  • Housing
  • Behavioural finance
  • KiwiSaver
  • Life updates
  • Recommended content
Featured
Time for a break
Jan 21, 2024
Time for a break
Jan 21, 2024

After publishing over 420 articles (not including the Friday compilations) regularly over the last five and a half years, it is time for […..]

Jan 21, 2024
We are going to be landlords. Keep the pitchforks at bay
Oct 8, 2023
We are going to be landlords. Keep the pitchforks at bay
Oct 8, 2023

Plans change when it comes to money and it is best to remain flexible.

I have found the best way to remain flexible is to keep your options open as much as you can.

Some […..]

Oct 8, 2023
Job update
Jun 4, 2023
Job update
Jun 4, 2023

Today I just have a short work development to announce.

The company has created a new role that has been created based on my recommendations. It is a role that really plays to my analytical strengths. Even better is that […..]

Jun 4, 2023
We're building a house: We are closed in
May 30, 2023
We're building a house: We are closed in
May 30, 2023

It’s been some time since I last provided a build update.

Build is progressing nicely, despite record rainfall levels for Northland this year. Since the last update, where the framing has gone up, we now have building wrap, windows and cladding.

For the windows […..]

May 30, 2023
We're building a house: Framing is up
Jan 31, 2023
We're building a house: Framing is up
Jan 31, 2023
Jan 31, 2023
We're building a house: The bank is playing hardball
Jan 24, 2023
We're building a house: The bank is playing hardball
Jan 24, 2023

Our Lawyers have come back to us with some feedback on the contract. The two most concerning aspects we wanted changed were:

1/. The builder shouldn’t […..]

Jan 24, 2023
We're building a house: We will have a mortgage again
Jan 17, 2023
We're building a house: We will have a mortgage again
Jan 17, 2023

We were drawn to an attractive new build offering from ANZ. We have applied for a pre approval and been […..]

Jan 17, 2023
We're building a house: Building consent issues
Dec 20, 2022
We're building a house: Building consent issues
Dec 20, 2022

Welcome to the latest instalment of “we’re building a house”. So if you came here this week for some personal finance nuggets you may have to wait another week. Do feel free to stay though if you like a good rant […..]

Dec 20, 2022
We're building a house: Contract signing update
Dec 13, 2022
We're building a house: Contract signing update
Dec 13, 2022

Another hiccup this week. Our pre approval has expired and due to changes in mortgage rates our bank is reducing the amount they […..]

Dec 13, 2022
We're building a house: The quotes are in
Dec 6, 2022
We're building a house: The quotes are in
Dec 6, 2022

So, the quotes are in. It is safe to say they have both exceeded our expectations by at least $100,000.

We are not wanting to be in a position where we are house rich and cash poor. So we are having to look at areas where we can cut costs.

After some discussion we are […..]

Dec 6, 2022
We're building a house: Why Northland?
Nov 29, 2022
We're building a house: Why Northland?
Nov 29, 2022

When originally looking for land, we were looking around Wellington. After all, it was where we are both from and grew up. We didn’t even think of anything else.

Then, after a couple of months of looking, we become disheartened. Is that all you […..]

Nov 29, 2022
We're building a house: The land purchase
Nov 22, 2022
We're building a house: The land purchase
Nov 22, 2022

For those of you following the blog, you will know that we are working our way towards Coast FIRE, where we are looking to scale back our workloads so that we can spend our middle years with our two children, currently 1 and 3 years old.

I would just hate to look back on my life and […..]

Nov 22, 2022
How much do children cost? Years 2 and 3
May 16, 2021
How much do children cost? Years 2 and 3
May 16, 2021

In an older post I made public our first year spending for our newborn daughter. Well, it’s been two years since that post so thought I’d give an update on year 2 and 3.

One small addition (literally speaking) is we had a son 6 months ago, so for those […..]

May 16, 2021
How coronavirus is affecting me
Mar 22, 2020
How coronavirus is affecting me
Mar 22, 2020

’ve had a few emails from people asking me what I am doing with my money during this time. So how have the last few weeks affected me and what am I doing about it?

Mar 22, 2020
We are DIK's!
Aug 11, 2019
We are DIK's!
Aug 11, 2019

Several months ago I wrote a post outlining some of my thought process used behind making the decision to stay at home or to work for someone with kids.

After a year and a half of being a single income household, my wife has taken on a part time job […..]

Aug 11, 2019
How much do children cost?
Apr 21, 2019
How much do children cost?
Apr 21, 2019

Just over a year ago the jewel of my eye was born. We have had some ups and down, but I wouldn’t change anything.

Watching our daughter grow has been an incredible experience […..]

Apr 21, 2019
We bought a car
Dec 16, 2018
We bought a car
Dec 16, 2018
Dec 16, 2018

 

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YOUR MONEY BLUEPRINT
WHANGAREI, NEW ZEALAND
NICK.CARR@YOURMONEYBLUEPRINT.CO.NZ
022 504 7612

 

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