The property we brought three years ago, needed some modernisation and so we went about the process of getting quotes etc.
We wanted to try and support locally owned and operated businesses. This a great in theory but can pose some challenges in practice.
Read MoreFinancial Wellbeing means different things to each of us.
It can be as simple as your ability to manage your money. And isn’t necessarily dependant on the amount of money you have.
For me it is more than just being able to pay your bills.
Read MoreMost people save what’s left at the end of the month - if there’s anything left at all.
But what if you flipped that habit on its head?
Read MoreCan Coffee and a Mortgage Coexist?
For many, a daily takeaway coffee is a simple pleasure—a small ritual that jumpstarts the day. But when considering mortgage affordability, a common question arises: Do small lifestyle expenses, like coffee, really stand in the way of homeownership? The short answer is No, but financial awareness is key.
Read MoreAs a financial adviser in New Zealand, I often see business owners overlook the critical aspect of shareholder protection. This form of insurance is designed to safeguard your business if a shareholder becomes critically ill, disabled, or passes away.
Read MoreFinancial Wellbeing means different things to each of us.
It can be as simple as your ability to manage your money. And isn’t necessarily dependant on the amount of money you have.
For me it is more than just being able to pay your bills.
Read MoreFor many people, going into the new year meant making clear goals and determinations to change things and do better. I have had many sessions with people already this year wanting to get better with money.
The challenge with resolutions is they are made in a moment of excitement, and that excitement cannot be maintained indefinitely.
Read MoreSome of you will have already done your Christmas shopping, booked your flights and accommodation, or generally organised yourselves for the holidays.
To those that have, I commend you!
Read MoreAs a financial adviser, I often talk about the importance of planning for the future, managing investments, and saving for retirement. But today, I want to discuss something equally crucial: your health. November is Men’s Health Awareness Month, also known as Movember, and it’s the perfect time to get caught with your pants down – metaphorically speaking – and take a good look at your health.
Read MoreWe often get asked about what advice is for and its value. Advice is for many things, but it all comes down to making sense of Life’s defining moments.
It may be difficult to see how this applies so here are some ideas.
Read More“Without Knowledge, action is useless and knowledge without action is futile.”
― Abu Bakr
The terms financial literacy and financial capability are closely related, but have distinct meanings. These terms get thrown around all the time, but what do they actually mean? We outline the differences below and explain why you should care.
Read MoreWe buy insurance to get a claim paid, not to just watch the money go out every month. What happens at claim depends on how you bought the cover.
Read MoreThe biggest investment that most Kiwi’s will make in their lives is purchasing their first home.
It comes with its own set of risks as we have all seen in the falling house prices and increased interest rates over the last few years.
Most of us are happy to take those risks on, as we all want a place to call our own and something to pass on to future generations
Read MoreFor many years – a mortgage “broker” has been the person you use as a go between you the client – and the bank.
Essentially a mortgage adviser does exactly the same thing – so for you the clients – the term is interchangeable.
Read MoreDon’t cancel it – choose an excess. This change can save you hundreds, even thousands of dollars.
Many people consider cancelling their medical insurance due to rising costs, unaware of their options. This concerns me because once you cancel your policy, it can be difficult to get it back.
Read MoreI often talk to people who think that because they have not started planning in the 20s, its too late now in their 30s, 40s, 50s or even 60s.
While the best time to start planning for your future is when you start work, the next best time is today, or tomorrow.
Read MoreExperiencing redundancy can feel overwhelming, but with the right approach, you can navigate through this period of uncertainty. Below is a basic guide to help manage your finances.
Read MoreIn tough economic times why is it that personal insurance is the first expense that most people think is fair game to reduce the cost of or cancel completely.
I don’t disagree that insurance products are a purchase that is often made begrudgingly. What is there to show for them other than a folder full of terms and conditions and jargon most don’t understand.
Read MoreThey say life begins at 40 and the best is yet to come. But what they really mean is that life is full of surprises, and starting over might be one of them. Many of us have faced tough times recently, and it's perfectly normal to feel like you're starting anew. Remember, you're not alone!
Read More
