In the vast landscape of personal finance, it's easy to become overwhelmed by the sheer volume of books, blogs, podcasts, seminars, apps, and products available for furthering your money education. In this edition of Ruth’s Two Cents, Ruth explores building a solid foundation for expanding your financial knowledge.
How does a self-confessed lover of fashion and shopping survive one year without buying any new clothes? Hear from Dora as she shares the lessons she learned, some tips on running a successful clothes swap, and the surprising amount of money she actually ended up saving.
Have you been making more unnecessary online purchases than usual in the past year? We're all guilty of buying something ridiculous like a tub of hummus in response to the pressures of lockdown. The Broke Generation's Emma reminds us that it's not the end of the world!
As we fervently sing Auld Lang Syne to bid farewell to 2020 (no offence, but man, are we glad to be seeing the back of you!), Ruth The Happy Saver sits at her desk in her new garden shed, to share with us what she does every New Year’s Eve (hint: it’s not what you think).
Last Christmas, I gave you my… what? If holiday gifting has gotten a little out of hand for you, Ruth The Happy Saver has six handy tips to help avoid that end-of-year overspend! Paraphrasing Mariah, ultimately, all most people want for Christmas… is you!
Couples who talk about money with each other have stronger relationships. The same applies to families! Ruth The Happy Saver shares how she uses PocketSmith’s tools to help have productive financial conversations with her family!
When it comes to your finances, are you a Chandler or more of a Monica? Guest writer Emma uses her unagi to assess how the characters of Friends handled their money.
Globally, 2020 will be a hard year to forget. We've had to rapidly adjust to COVID-19 and its effects, and our money habits are no exception. Here are nine tips to help you adjust your finances to the new normal.
Talking to your partner about money can be stressful. Our friend Ruth, The Happy Saver shares 8 steps she uses to have positive money conversations with her husband.
Financial anxiety is defined as feelings of worry, stress or uneasiness about your financial situation. A variety of factors can trigger financial anxiety, from job loss to increased cost of living, but the compounding events of 2020 have arguably seen more people confronted with financial anxiety than ever.
Did you take out the 6-month mortgage holiday when COVID-19 hit? That six months is coming to an end in Australia. Here’s what to do next if you’re reaching the end of your mortgage holiday.
Side hustles have become pretty commonplace in the past decade, and with good reason. People have the opportunity to earn additional income, and grow their marketable skills. However they do require a serious time investment, and a level of commitment that may not be for the faint of heart.
Millennial money guru Emma is back to answer more of Gen Z Maddie's money questions. We find out that you're never too young to start thinking about your credit score and saving for retirement.
Managing your finances can be difficult at the best of times but being a contractor can add another layer of complexity. Whether you’re self-employed or just thinking about freelancing, here are three tips on how to manage your money as a contractor.
If you’re committed to achieving FIRE, you’ll need to track your finances carefully and meticulously. We’ll show you how software like PocketSmith can help you do the heavy lifting!
Our resident Gen Z, Maddie, asks our resident millennial money guru, Emma, her burning money questions. She might not know TikTok, but she knows taxes.
It takes incredible levels of grit and motivation to achieve Financial Independence and Retire Early (FIRE). How have those who’ve FIREd actually done it? Ruth The Happy Saver shares some inspirational examples with us.
Earning more than one stream of income? Welcome to the new normal! We've put together five tips that we hope will save you time and stress when managing multiple incomes.
Amanda Konyn's best friend and best dog Fritz not only brings her immense joy on a daily basis, he’s also taught her some valuable lessons about money.
Followers of the FIRE (Financial Independence, Retire Early) movement aim to create a large nest egg that will produce an income of its own, letting them step away from paid work. In this article, we’ll explore what FIRE can mean for you, and how you can adapt it to suit your goals and your lifestyle.
Have you ever been in a situation where you have no idea how you spent your paycheck? Your bank account seems to be healthy at the start of the week, and by the end, you’re struggling to pay the bills? The Broke Generation’s Emma Edwards shares how mindful spending can help you feel more in control and confident with your money.
Our friend Ruth Henderson, The Happy Saver shares eight bad money habits she sees too often. Many of these habits are not about dollars and cents, but more about our own behaviour.
Your credit score seems to be an ominous presence, always waiting around the corner, determining all sorts of things about your daily life, from what interest rates you can get on your loans, to insurance policies you’re eligible for. So what are credit scores or ratings and how do they work? Learn how to check your credit score.
‘Getting out of debt’ is a phrase used often in personal finance. Whether it’s credit card debt, medical debt, or any other kind of debt, ridding yourself of that burden is the first step to securing your financial future. Of course, it’s easier said than done, so here are some tips on how to get out of debt with PocketSmith.
Our friend Ruth Henderson, The Happy Saver joins us again to talk about all things credit.