About
How I help
My story
What is a money blueprint?
Testimonials
Contact
Fees
Disclosure statement
Disclaimer
Calculators
All calculators
Property & mortgage
Retirement & FI
Investing & net worth
Income & tax
Everyday money
Big life decisions
Blog
Powerpoint presentations
Investment planning/Wealth management
Retirement planning
Financial independence/Early retirement
Personal finance
Housing
Behavioural finance
KiwiSaver
Life updates
Recommended content
Bookstore
Book a chat

Your Money Blueprint

About
How I help
My story
What is a money blueprint?
Testimonials
Contact
Fees
Disclosure statement
Disclaimer
Calculators
All calculators
Property & mortgage
Retirement & FI
Investing & net worth
Income & tax
Everyday money
Big life decisions
Blog
Powerpoint presentations
Investment planning/Wealth management
Retirement planning
Financial independence/Early retirement
Personal finance
Housing
Behavioural finance
KiwiSaver
Life updates
Recommended content
Bookstore
Book a chat
  • 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
January 21, 2024
Time for a break
January 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 […..]

Read more →
January 21, 2024
We are going to be landlords. Keep the pitchforks at bay
October 8, 2023
We are going to be landlords. Keep the pitchforks at bay
October 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 […..]

Read more →
October 8, 2023
Job update
June 4, 2023
Job update
June 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 […..]

Read more →
June 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 […..]

Read more →
May 30, 2023
We're building a house: Framing is up
January 31, 2023
We're building a house: Framing is up
January 31, 2023
Read more →
January 31, 2023
We're building a house: The bank is playing hardball
January 24, 2023
We're building a house: The bank is playing hardball
January 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 […..]

Read more →
January 24, 2023
We're building a house: We will have a mortgage again
January 17, 2023
We're building a house: We will have a mortgage again
January 17, 2023

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

Read more →
January 17, 2023
We're building a house: Building consent issues
December 20, 2022
We're building a house: Building consent issues
December 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 […..]

Read more →
December 20, 2022
We're building a house: Contract signing update
December 13, 2022
We're building a house: Contract signing update
December 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 […..]

Read more →
December 13, 2022
We're building a house: The quotes are in
December 6, 2022
We're building a house: The quotes are in
December 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 […..]

Read more →
December 6, 2022
We're building a house: Why Northland?
November 29, 2022
We're building a house: Why Northland?
November 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 […..]

Read more →
November 29, 2022
We're building a house: The land purchase
November 22, 2022
We're building a house: The land purchase
November 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 […..]

Read more →
November 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 […..]

Read more →
May 16, 2021
How coronavirus is affecting me
March 22, 2020
How coronavirus is affecting me
March 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?

Read more →
March 22, 2020
We are DIK's!
August 11, 2019
We are DIK's!
August 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 […..]

Read more →
August 11, 2019
How much do children cost?
April 21, 2019
How much do children cost?
April 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 […..]

Read more →
April 21, 2019
We bought a car
December 16, 2018
We bought a car
December 16, 2018
Read more →
December 16, 2018

 

Follow

Back to Top

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

 

You can find my disclosure statement here