Connect your bank with PocketSmith and import your transactions automatically.
Keep track of your spending your way with categories, labels, and notes.
Track accounts from different countries and currencies at daily exchange rates.
PocketSmith was recommended by Xero as the only alternative to Xero Personal.
Create cash projections to see your daily bank balances up to 30 years into the future.
Plan your money in a calendar and see what you’re meant to have each day.
Test your decisions to see future outcomes and take uncertainty out of your planning.
Budget according to periods that are meaningful to you: daily, weekly, monthly and more.
Summarize the financial facts that matter to you, and see them in one place.
Keep track of what you own and what you owe. Add property, mortgages, loans and more.
See a report on how much you’ve earned and spent for any chosen date range.
A monthly breakdown of your historical and future financial activity.
Absolutely not. 10% of those who use Afterpay are missing repayments and are getting crushed by big interest rates. If you want something — save for it. It creates an unhealthy relationship with money.
Automatic payments. I’m a simple guy, and the easy way is APs so you don’t need to think about it. If it’s taking more than ten minutes a week to manage your money that’s too much for me.
I’m big on goals in all areas of life. I write a note on my phone at the start of the year. No more than five goals. I look at it all the time which keeps me on track with the money decisions I need to make to stay on track.
We’re wired for instant gratification. I think the only way to stick with delayed gratification is meaningful financial goals. We had a few goals this year:
As a Financial Adviser, it’s now just a big part of my life. Before I was a Financial Adviser I was lucky enough to start my career as a graduate banker and learned a lot then! I have also learned a lot from my dad.
All the good stuff — nice dinners, holidays, spoiling the family, clothes.
On paper, it would be buying my first home which is now an investment property, but I can’t go past becoming my own boss. Being in control of your own future is a game changer if you get it right. Not to say it doesn’t come with risk!
Starting your own business definitely raises stress levels and gets you up nice and early in the morning.
Subscribe to Cheques & Balances on Spotify! One thing I see all the time is everyone is in too much of a rush. Take the smallest step forward you can and build on it.
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This interview is part of New Zealand Money Month 2023. NZMM is coordinated by trusted personal finance resource Sorted, in partnership with the financial capability community, and it involves events all around the country to encourage New Zealanders to talk about money and develop greater financial capability. To further the conversation about money we got in touch with some of our pals in the personal finance space to get their perspectives on their own finances.