Have you considered making your side hustle your main gig? As a relatively new entrant to the world of self-employment, Emma is well acquainted with what it takes to make the jump from a full-time, salaried position. Check out how she prepared to transition into being her own boss!
Long gone are the days where a down payment on your dream home could be easily achieved by saving hard. Working towards a home deposit now requires a bit more finesse. As a master of creativity herself, Ruth The Happy Saver shares some outside-the-box thinking for reaching your deposit goals.
Perhaps you’re paying for one too many streaming subscriptions that you don’t use or it could be the coffee you buy on the way to work each morning. Whatever it is, everyone has a financial vice and it can be incredibly difficult to give up. Identifying your financial vices is the first step to being able to control them and put you back on track with your finances.
When was the last time you took a hard look at your finances? Last week? Last month? Erin Lowry’s book “Broke Millennial: Stop Scraping By and Get Your Financial Life Together” explores all the basics of financial management that you need to know when getting started on your personal finance journey, and Anton shares his thoughts on the book.
Having a solid foundation of financial literacy is a hugely beneficial and often under-serviced skill. As staunch believers in “knowledge is power” when it comes to your money, we thought we’d share how some of the team teach ourselves about personal finance, what education we received at school, and who inspires our financial journey.
With 2022 continuing to be the year of The Great Resignation, we thought we’d ask our friend, Ruth The Happy Saver, for some tips on changing jobs and careers. After all, this Jill of many trades has done everything from driving trucks at a gold mine, to working for the Lotteries Commision, and now, as a successful blogger and podcast host!
If you’re new to investing, it’s easy to become overwhelmed by the sheer amount of jargon that’s thrown at you. While it can seem daunting, it’s important to gain an understanding of some of the basics to help build a strong knowledge foundation. Here are some of the most important investing terms that you should learn.
The end of the financial year can feel like an arduous and admin-heavy time, especially if you earn secondary income through something like a side hustle or investment portfolio. Follow Emma’s checklist to get your finances ready for the end of the fiscal year and keep the tax man happy.
Oh to be young and have the freedom of your entire life ahead of you. But you aren’t a teenager anymore and it could be the right time to start thinking about your future finances — how do you want to spend your retirement? Lavishly or pinching pennies? Starting early can put you on the right path.
From YouTube to TikTok, young people have never been exposed to as much financial information as they are now. But with more teens gaining interest in a subject as nuanced as investing, it’s important that they’re equipped to confidently make the most of it. We’re sharing how the next generation can develop a strong foundation to start their investing journey.
It seems like every other day that you see a headline about some company pledging to go net-zero emissions by 2050. The primary method they use is carbon offsetting. You might have even purchased carbon offsets yourself. But what are they, and are they actually a viable solution for solving our emission problems?
Mind the leak! It’s pretty normal to experience hairline cracks in your budget from the day-to-day stresses of life, but it’s important to keep them in check. Emma shares how you can spot those leaks and plug them up before they become an absolute deluge.
Side hustles aren’t just a hobby, they’re a job and they can make an excellent addition to your resume for demonstrating your skills to further your career. Hiration co-founder Aditya Sharma shares how you can add your side hustles to your CV and put your expertise on full display.
Whether it’s due to economic uncertainty or self-imposed for movements like the Great Resignation, the average worker will experience unemployment at least once or twice. Ruth The Happy Saver reminisces about her own experiences with unemployment, and shares what you can do during this period to keep moving forward to your next stage in life.
In late 2021, the NZ government introduced legislative changes aimed at protecting Kiwis from high-cost loans and unaffordable debt. One unintended result is that banks now closely scrutinize your spending habits when you apply for finance. Mortgage Lab CEO Rupert Gough explains how using PocketSmith to track your expenses can make all the difference to your application.
Many people get calls regarding the debt they don’t own, but you’ve got some tools up your sleeve to dispute your debt and deal with such creditors. Lyle Solomon from Oak View Law Group breaks down the recourse available to our friends in the USA if you’re being hounded by pushy debt collectors.
So your account has been hacked or there’s been suspicious transactions in your bank account — now what? In the final part of our fraud series, Emma from The Broke Generation shares the steps you can take if you ever fall victim to a scam so your money stays intact.
As the saying goes, “tidy house, tidy mind”. Keeping a tidy wallet can have a similar effect on your well-being. But it can be easier said than done keeping something as complex as your finances organized and effective. Ruth The Happy Saver channels her inner Marie Kondo and shares how she’s decluttered her financial life.
“The real voyage of discovery consists not in seeking new lands but in seeing with new eyes.” In the spirit of Proustian self-discovery, Head of Marketing Dora asked her 13-year-old son, Jordan, to pen some observations about common ways he thinks adults waste money. What she received was surprisingly pragmatic insight with a few truth bombs thrown in! Read on to see what he had to say.
Goodbye 2021, hello 2022. After another year of ups and downs, a new year offers the opportunity to reset and reboot. If you want to leave questionable spending habits and bygone goals in the past, now’s the perfect chance. Emma from The Broke Generation shares the actions you can take to make sure you start off this year on the right financial footing.
As a part-time employee with her own blog and podcast side business, Ruth Henderson has a more complex tax-life than the average person. That said, she decided from the outset to manage her freelance income the same way she runs her household finances: simply and fuss-free! Read on to see how she organizes her taxes.
Amidst fancy hors d'oeuvres and a chorus of ‘new year, new me’, a celebration of glitz and glamoring could have you clamoring to save your bank account in the morning. Emma Edwards shares her best tips for making sure you keep your budget intact over the new year period — because New Year’s Eve is one night, but financial confidence is forever!
Christmas is mere days, minutes, seconds away. If your gift list is looking woefully empty this close to December 25th, fear not! The Broke Generation’s Emma has been a helpful little elf for us and gathered up some easy, low-cost options for last minute Christmas presents. You’ve still got time, so get cracking!
Do you have a secure password? And are your devices secure? There are plenty of actions you can take to ensure your money and related data are protected. In the second part of our fraud series, Emma from The Broke Generation shares ten ways you can defend yourself from would-be hackers and scammers.