• Ruth
  • 28th of August 2018
  • advice
  • debt reduction

I know a guy, let’s call him Tim. I think he is about 25 and in the last year he bought his first ever house. He is pretty proud of it and rightly so and I’ve noticed that the responsibility has made him grow up pretty quickly. That is he can’t go out drinking with…

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What lenders are looking for?

  • NZHL
  • 14th of August 2018
  • advice
  • buying a house
  • home loan application

When applying for a home loan it can be quite daunting, particularly if you have been declined by a lending institution before. It can sometimes be hard to know what lenders are looking for. Most applications are assessed on a case by case basis, and each lending institution will have its own lending criteria based…

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A Few Great Reads

  • Ruth
  • 31st of July 2018

Blogs are awesome, this I know, because I write my own BUT for me learning how to be better with money all started with books.  But if the thought of reading a book on money makes you want to yawn, well maybe it’s time to reset your thinking.  Authors know this is a potentially mind…

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Spending Reset

  • Ruth
  • 27th of June 2018
  • budgeting
  • finances
  • Saving
The Happy Saver

Where did all the money go? That is pretty much the question I ask myself on the last day of every month when I finish entering any last transactions into our family budget.  I am endlessly surprised at just how much money we spend and how much it costs to live in New Zealand.  We…

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