by Elise Vine | Nov 10, 2022 | Blog
In a time of high living costs and financial stress, this Christmas could easily become the season to be jaded, rather than jolly. It’s lovely and natural to want to give your family a great Christmas and a fun holiday, but we don’t want you to have to spend the next...
by Elise Vine | Oct 28, 2022 | Blog
When you’re starting out in business, the temptation to operate out of your personal bank account, or maybe bang some inventory on your personal credit card, is an easy one to fall for. In fact, we’ve all heard of businesses who funded those early days by credit card,...
by Elise Vine | Oct 26, 2022 | Blog
Having personal debt can take a big toll on you, emotionally as well as financially. If the debt is due to overspending or mismanagement of finances, you may feel embarrassed or guilty. If the debts are large, you may feel overwhelmed. These feelings can be paralysing...
by Elise Vine | Oct 14, 2022 | Blog
A question we get a lot is whether 3% KiwiSaver contribution is enough to fund retirement. Given the option of contributing between 3% and 10% of your salary to your KiwiSaver fund, it can be tempting to opt for the 3% so you have more cash in hand when your pay comes...
by Elise Vine | Sep 27, 2022 | Blog
KiwiSaver is the most significant investment many Kiwis will ever make. It’s often the defining factor in whether a deposit for a first home is possible or whether you can retire in comfort. Given KiwiSaver’s importance to your quality of life, it’s worth getting...
by Elise Vine | Sep 12, 2022 | Blog
Mortgage refixes are not often top of mind for people. When it pops up – seemingly out of nowhere – it can be tempting to refix for the same period at the going rate without giving it a thought. But it’s worth taking a moment to think things through, and...