Are you feeling overwhelmed by the multitude of KiwiSaver options out there? Choosing the right KiwiSaver fund can be a daunting task, with numerous providers and funds vying for your attention. Ruth shares how she's simplified her process for picking, and provides you with a practical guide to selecting a fund that aligns with your financial goals and preferences.
Money tips
Coffee can be a daily indulgence for many people, but it can also be a significant expense. Rachel wanted to test the effects that her daily coffee has on her budget and routine. Read about the lessons she learned about her money habits and mindset by taking a break from the jitter juice.
Money tips
Personal finance expert Brynne Conroy explains how to push past ACA anxiety, navigate open enrollment, and make choices that protect your health and your budget in 2025.
Money tips
Credit card debt can be overwhelming, especially when it feels like there’s no room in your budget to get ahead. But with the right plan, you can regain control and start making progress. In this edition of Ruth's Two Cents, Ruth addresses the challenges of juggling essential expenses while tackling credit card balances.
Money tips
Off to do a working holiday, or joining the digital nomad community? You’ll need an arsenal of programs to make sure your work remains uninterrupted and effective. We’ve got you covered with our top five apps for working abroad — from finances to productivity and wayfinding.
Money tips
Managing cash flow can feel tricky, especially in uncertain times. Sam Harith explores the key differences between cash flow and income, how to build visibility over your household finances, and actionable steps to manage outflows, boost inflows, and plan for the future.
Money tips
Dealing with currency fluctuations is a daily reality for digital nomads, and it's akin to a thrilling, complex juggling act. As a freelancer working with clients from different continents, efficiently managing these multiple currencies is crucial. Rachel shares how she uses PocketSmith to ensure she’s always prepared for global economic shifts.
Money tips
Burnout is overwhelming, but it’s also an opportunity to pause and recalibrate. Balancing mental health and financial stability can feel daunting, but with clarity and a plan, it’s possible. In this edition of Ruth's Two Cents, Ruth shares practical steps to address burnout while safeguarding your finances, so you can regain control and move forward with confidence.
Money tips
Investing your hard-earned money is a great way to grow your wealth, but have you ever wanted to use your investments to promote positive change as well as generate returns? Your portfolio can go further if you invest in companies and funds that share your beliefs and values. Emma explores whether aligning your investments with your personal values is a worthwhile strategy.
Money tips
Navigating travel insurance as a digital nomad is both essential and challenging. From a quick-fix solution that lasted only two days to a stable choice that lasted for months, Rachel's experiences with insurance while travelling as a freelancer highlight the unique challenges and solutions for digital nomads managing risks while on the move.
Money tips
In an era of ever-increasing costs, many people are grappling with the question of whether they should prioritize investing their hard-earned money or focus on coping with rising expenses. As financial landscapes evolve, understanding the significance of investing during such challenging times becomes important.
Money tips
Financial fraud takes many forms and is constantly evolving, making it challenging to stay ahead of scammers. However, by learning how to detect and prevent fraud, business owners and individuals alike can protect their hard-earned money. Sam shares his insights as an accountant on safeguarding financial systems against potential threats.
Money tips
Whether you're commuting, cooking, or out for a walk, podcasts make the perfect companions. Check out some of our 2024 favorites and discover new ways to grow your financial knowledge. Packed with fresh financial insights, practical tips, and inspiring stories, each one will help you sharpen your money skills.
Money tips
The constant pressure to meet financial obligations and strive for financial success can quickly deplete one's mental, emotional, and physical resources. Addressing the root causes, establishing realistic goals, and seeking support are key to navigating the challenges of financial burnout and cultivating long-lasting financial resilience.
Money tips
As a Financial Adviser, Jess Hargreaves from Lighthouse Financial has seen firsthand how PocketSmith makes it easier for clients to manage their money and achieve financial success. She shares five essential budgeting tips that will not only help you take control of your finances but also make the process more manageable.
Money tips
Invoicing isn't just admin, it's an art form. Like a lot of aspects of freelancing, invoicing freelancing clients can be a nuanced exercise. Rachel reveals her tricks of the trade for ensuring timely payment and maintaining a healthy, professional relationship with the businesses that rely on her services.
Money tips
Part-time jobs for teenagers are more than just a way to earn extra money; they are invaluable opportunities for personal growth and skill development. Ruth shares how encouraging her daughter to work part-time has helped her develop independence and learn valuable financial lessons to set her up for future success.
Money tips
Embarking on the journey of writing a book can be both exciting and daunting, as Emma Edwards discovered when authoring her personal finance book "Good With Money". Whether you're looking to write for financial gain or just for the love of it, Emma's lessons learned offer practical advice for anyone embarking on the challenging yet rewarding adventure of writing a book.
Money tips
Navigating the delicate balance between a side hustle and a traditional 9-to-5 job is akin to traversing a winding road, filled with twists and turns. From an initial streamlined approach that evolved into a multifaceted system of financial management, Rachel shares the ups and downs of juggling both freelancing and steady employment.
Money tips
Investing in your family's future is crucial for financial security and growth. As the home CFO, your role in managing and optimizing these investments is vital. Piotr, CEO of London-based accounting firm J. Dauman & Co, shares his guide that offers simple, effective strategies to create a robust family investment plan.
Money tips
Savvy negotiators know that the art of the deal can be applied to everyday expenses. From utilities and rent to high-street purchases, there are countless opportunities to save money through effective negotiation. Kevin from Banked demystifies the haggling process to help you talk your way into significant savings.
Money tips
Starting a digital nomad lifestyle brings freedom and new challenges, especially in managing your tax obligations across different countries. Accountant Sam Harith shares how you can navigate complex tax residencies, double taxation agreements, and local financial laws, ensuring your finances are well-managed as you explore the world.
Money tips
In today's economic climate, many are seeking ways to boost their earnings. While side hustles are a popular option, a more straightforward approach is often to secure a raise at your current job. Emma offers practical strategies to help you confidently negotiate the salary you deserve, ensuring you can continue progressing toward your financial goals.
Money tips
In this edition of Ruth’s Two Cents, she reflects on the responsibility of supporting ageing parents financially. It’s a challenge many adult children face, often navigating a delicate balance between their parents' needs and their own financial stability, which can bring about a range of emotional and practical difficulties.
