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   In a world where the cost of living can sometimes overshadow our pursuit of the good life, there are savvy ways to trim your expenses without compromising the quality of your lifestyle. In this article, we'll delve into some tried-and-true strategies to help you achieve smart spending nirvana, from canceling unnecessary subscriptions to unlocking hidden offers and discounts.

1. If you've been juggling multiple debts and are feeling a bit overwhelmed, you're not alone. Many people find themselves in a similar situation at some point. Luckily, there's a financial strategy that might help you regain control: debt consolidation. But hold on, before you jump into it headfirst, let's have a chat about how to assess whether debt consolidation is the right move for you.

1. Have you ever considered how much of your financial journey is influenced by your money mindset? Your thoughts, feelings, beliefs about money can shape how you manage your finances in many ways. That’s why it’s important to identify what’s driving you and – if needed – work on creating a healthier money mindset. Here’s some good food for thought to get you started. 

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   Ever heard of the saying "a picture is worth a thousand words?" That's the power behind a financial vision board – a creative and fun way to represent your financial goals and dreams. Your own financial vision board can be a daily reminder of what you're working towards, helping to keep you motivated and on track… Ready? Let’s jump in!

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As you explore your options for debt repayment, you may come across two popular strategies: the debt avalanche and the debt snowball. Each offers a distinct route to the same destination – debt-free life. So, what’s appropriate for you? 

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   When you're in a relationship, there's a lot of sharing that happens. You share experiences, dreams, Netflix passwords, and probably even the last piece of chocolate cake. But when it comes to money, figuring out if and how to share can be a bit more complicated. Here are some things to think about. 

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   In today's fast-paced world, managing personal finances efficiently should be a no brainer. Fortunately, technology has made it easier than ever to track and control your spending habits. In this article, we will explore three great budgeting apps that have gained popularity among Kiwis.

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   Money has long been a topic that evokes strong emotions and concerns. From concerns about earning enough to support ourselves and our families to fears of financial instability, it's easy to get caught up in a negative money narrative. However, it’s important to recognise that we have the power to change this narrative and shift from a mindset of worry to one of empowerment. 

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   Taking out a loan is like setting off on a road trip: you know your destination, you have a means of transport to get there (your loan), but to arrive safely and enjoy the ride, you also need to know how to drive (aka manage your repayments). 

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   Managing multiple debt repayments can be like conducting a symphony orchestra with each instrument playing to a different beat. It’s not only challenging, but can also lead to a cacophony that’s hard to make sense of… 

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   Between meetings, projects, and networking events, busy professionals often find their schedules packed to the brim. That’s when managing personal finances becomes a challenge. So, here are some time-saving financial hacks that can help you manage your money efficiently, no matter how tight your schedule is.