When you think of the steps you might take towards being financially comfortable, you might think about setting up an investment, or trying to get a pay rise. But what about setting up an emergency fund? 

When was the last time you gave your expenses a good check-up? If it’s been a while, you might be surprised at the savings an unofficial audit could uncover. Here are a few places to start. 

Have you ever thought about how much your financial outcomes are affected by your individual money mindset?

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   Borrowing money is something most of us do at one point or another. Whether it's for a major purchase such as buying a new car or something as simple as getting a new laptop, loans are often a part of our financial journey. But before you dive into the world of loans, it's crucial to take a step back and assess whether it's the right choice for you. In this article, we're not here to give financial advice, but we do care about your financial well-being. So, we've put together some key considerations when you're contemplating borrowing money. Let's dive into it.

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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. 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.