Personal finance 2

Best rewards credit cards in NZ

Best rewards credit cards in NZ

I never thought I would be writing an article about credit cards.

I am generally not a fan of credit cards, even for the most disciplined savers out there.

There are numerous studies that come to the conclusion that people who have credit cards tend to spend more than those without credit cards. That is the human condition.

However, some people can use credit cards responsibly, and there is a need for choosing the right credit card for your situation. It can be a difficult decision with so many options out there. Some offering air points, some hot points, others cash, and others true rewards.

I have tried to simplify the complexity, by making two new […..]

Where should I put my emergency fund for best returns?

Where should I put my emergency fund for best returns?

A month or so ago I wrote about a common need of many people to try and optimize their emergency fund at the expense of low risk and accessibility. There is a desire to optimize every dollar. But if that comes at the expense of putting it in an account that is too risky or one that is […..]

Is compounding really that magic after all?

Is compounding really that magic after all?

There is not much more in the personal finance world that gets a money person (me included) drooling than compound interest.

Just the mention of those two words lights up their eyes.

If you are a regular reader you would already know about the benefits of compound interest by how much I talk about it.

But sometimes I feel I may be overstating the importance of compound interest […..]

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