MoneyBlog

Are you looking for a charitable way to really make a difference?

By |MoneyBlog|

Life can be challenging at the best of times, let alone when you are trying to juggle treatment for a serious illness, medical appointments, and looking after the family.  But everyday New Zealanders are dealing with this on a regular basis. Swathe.me set up a Charitable Trust for you to be able to practically support

Common Sense – an under rated financial skill

By |MoneyBlog|

When thinking about how people make financial decisions I believe common sense is surprisingly uncommon.  May be its because we are so used to following rules that we forget the basics?  May be its because we are so busy?  I think the good old common sense is a critical component of making good decisions.  Below

Important things to consider before entering into a partnership

By |MoneyBlog|

It is often said that going into a business partnership is just as complex and involved as a marriage.  In my experience I would strongly agree with this.  I’ve seen everything from incredibly successful partnerships through to ones that have been a complete nightmare.  Let’s look at some areas you might like to consider before

I still have a mortgage and don’t earn a lot, when do I start saving for retirement?

By |MoneyBlog|

The short answer is start today, no matter how small the investment is it all adds up over time.  If you go through your spending and check if you are spending wisely.  Is there an area where you can cut back even just a little?  Is there an alternative cheaper option for something you are

How to save for your children’s university fees

By |MoneyBlog|

Any new graduate will tell you there is something quite disheartening about seeing 12 per cent of your new salary being siphoned off to student loan payments. While the scheme is currently interest free for borrowers who remain in New Zealand, the average student loan debt is more than $20,000 and graduates say that

How much in savings should I be putting away for a ‘rainy’ day?

By |MoneyBlog|

A: Many financial planners suggest having an emergency account, with enough money to cover at least three months’ worth of fixed expenses. This emergency account becomes your savings for a rainy day fund. If anything should happen to knock you off your feet, you do not want to be forced to sell your house, car or

A financial advisor recently recommended we take out a variety of life insurances. What do we need?

By |MoneyBlog|

The only challenge with life insurance is that you can’t buy it when you need it.  You need to buy it ahead of time just in case you might need it.    Generally speaking, the more debt and dependants you have the more insurance you need.  In your early 20s you may not need a lot