Can’t save money? Try this to end up with $1,368 in 1 year. Think 1 year is a long time– it moves fast and then you think I could have saved such and such. Hint: Week 1 save $1, Week 2 save $2, Week 3 save $3 and so on until Week 52 you will […]
I have worked out the hourly rate I earn compared to a cafe coffee… in my case it is three quarters of an hour to pay for it! That’s the fastest way to convince me not to buy a coffee and cake.
Interest rates are the lowest they have been in decades. Use the money you are saving on interest to repay the debt principal. You do this my telling your bank to keep the repayments the same.
A number of readers have asked about KiwiSaver. The best source of up-to-date information can be found at www.kiwisaver.govt.nz In our view its a great scheme, FREE money is something that should not be passed up. It is especially attractive for: Those who have yet to buy their first home (first home subsidy), Those approaching […]
To teach our kids about saving on the outside of their money box we write down how much is inside and a target to be saved. Each week we count the coins and figure out how much needs to be saved to reach the target. Once reached we then put it into their KiwiSaver account. […]
Put a note in your purse – “The easiest way to make money is by not spending it.” And put a note on your credit card – “Are you sure you want to do this?”, and a P.S. on the note: “Are you really sure you want to do this?”
One method is to question yourself as husband and wife several times before buying anything. Do we both agree that we really need this? Can we borrow it? Hire it? Get it on special? Is there an alternative? Give it the ten-day waiting test – if the need remains go ahead, get it and enjoy […]
Savings first! I make it a rule to buy one Bonus Bond for 20.00 every time a regular payment arrives in my account. This builds up quickly and produces some income through prizes some of which can be a quite decent amount. This can be done online and the amount deposited is always available if […]
Don’t get on the sucker list. Some people are suckers for anything new and anything peddled by high-pressure sales people. These seemingly charming gents and ladies have been trained in selling techniques. They receive a commission on everything they sell. Don’t let them talk you into a major commitment (that is, anything over $10!) without […]
Peedeenz from Hastings asks, “Ever thought of making a list of genuine freeware that can be freely downloaded and freely used? I’m not talking about illegally cracked and re-released software and I do realize that it costs money to have an internet connection but after the initial download, it’s free to use. Start with Open […]