Previously known as the Welcome Home Loan, the First Home Loan scheme is one of the New Zealand government's tools for helping Kiwis get into their first home by only requiring a 5% deposit. Laura Sheehan, Mortgage Adviser at Lighthouse Financial, breaks down the First Home Loan, its lending criteria and how much you can expect to borrow.
E-waste is a growing environmental and economic burden. Mobile phones contribute a whopping 10% to all global e-waste. Instead of adding to that when you upgrade your phone, consider giving it a new lease on life! Stewart from Freedom Mobiles shares some of the many ways you can repurpose your old phone and save it from the landfill.
It’s an inherently human desire to want to make a difference. When it comes to leaving a financial legacy, most would just think of a savings account that you leave behind. But can it be more than that? Ruth The Happy Saver ponders the concept of a financial legacy, and how you can make an impact before and after you’re gone.
We asked some of our wonderful users to share how they use PocketSmith to be productive with their money and plan for the future. Read how Connor uses PocketSmith’s analytics and multi-currency features to track the trends of his spending habits as an expat living in Canada!
Healthy credit is a big part of your borrowing power and there are many ways to build it. So many, in fact, that it can be confusing to know the best ways to improve your own. We explore the importance of credit and compile some tips for building your credit fast.
These days you can work and unwind online in an abundance of ways, and investing is no different. Online investing platforms have exploded in popularity over the past few years, offering easy and accessible entry to the stock market. But are they suitable for beginner investors? Ruth explores the world of online investing platforms, and how you can use them to start your investing journey.
As climate change intensifies, many investors are wondering how to adapt our everyday actions and decisions to build a more sustainable future. Kate Campbell from Rask Finance gives us an overview of ethical and ESG investing, and explores the impact that investors can have on the environment, by investing more mindfully.
Patience, young grasshopper! Having a mentor and sharing in their knowledge can be hugely beneficial, both personally and professionally. If you’re thinking about pursuing a mentorship, here are some tips for determining a good mentor and positioning yourself for a successful mentor relationship.
If you’re running your own business or side hustle, you’re often juggling multiple experiences at once. When time is your most valuable commodity, it can be difficult to find the space to check everything off your list. We’re sharing eight tools business owners and freelancers can use to stay productive and on-task.
We asked some of our wonderful users to share how they use PocketSmith to be productive with their money and plan for the future. Read how Shay uses PocketSmith to track his expenses, savings and net worth for accurate and reliable insights to make smarter financial decisions!
After months of testing with a wonderful group of users, we're happy to announce that Data Connections is ready for primetime. It's time for you to dive in and experience the upgrade first-hand!
When should you consider switching banks and what should you look out for when doing so? Ruth shares tips on how to form the banking structure that works for you, and we’ve thrown in a downloadable bank feature comparison checklist!
Wills aren’t just for the elderly, they are an important part of financial wellness for any adult. Estate planning ensures that you have peace of mind knowing that those most important to you will be looked after when you’re gone. Here are five reasons why you should sort your will.
Scott Pape’s The Barefoot Investor is the second bestselling Australian book of all time, and with good reason. Based on the pillars of simplicity and practical, actionable advice, thousands of people worldwide use the method to manage their money. Ruth The Happy Saver shares why The Barefoot Investor is still one of her most recommended finance books, and five lessons she’s learned from this popular approach to money management.
Multi-level Marketing, or MLM, as it’s more commonly known, is a polarizing topic. Proponents preach about its power to transform your lifestyle for the better. Opponents tell cautionary tales of misleading claims, social pressure, and loss of money. What is certain is that MLMs are as popular as ever before. Let’s take a deep dive into this world and find out why many regard it as the darker side of side hustle culture.
We're excited to announce the introduction of a new data partner — Akahu — on the Data Connections system. This has been expedited specifically for users who bank with ASB, and you can establish a connection to ASB via Akahu right now. The ability to connect to other New Zealand financial institutions via Akahu is coming soon.
Whether it’s for full-time employment or a side hustle, more and more people are choosing to ditch the traditional 9-to-5 in favor of the gig economy. Artur Meyster, Founder and CTO of Career Karma, talks to the rise of this independent, flexible and convenient way of working. He also shares some advice on how you can upskill yourself to make the most of its benefits.
The New Zealand government recently announced plans to establish a Consumer Data Right (CDR) to give individuals and businesses greater choice and control over their data. We sat down with PocketSmith CEO and co-founder Jason Leong to discuss how a CDR works, what it means for Kiwis and why he believes it’s a good thing.
Startup Weekend is a worldwide event where both budding and experienced entrepreneurs come together to work on unique and innovative business ideas, and PocketSmith jumped at the chance to support Dunedin’s own celebration. Hear what wisdom the team gained from 54 hours spent with brave makers and problem-solvers.
We asked some of our wonderful users to share how they use PocketSmith to be productive with their money and plan for the future. Read how Daniel turned the chore of doing the family budgets, checking the credit card statement, and looking into transactions into an enjoyable experience!
Ruth has been blogging at The Happy Saver for five years, and her blog now out-earns her day job. Today, she shares her experiences about how to make money blogging. She encourages readers who are keen to create an additional income stream, to stop asking, “Should I start a blog?” and instead just start writing!
Side hustles can be a fun exercise and a great way to earn extra money. From reinvesting in your business to increasing your savings, you have plenty of options for making the most of the additional income. Here are five valuable ways to wisely spend your side hustle earnings.
Whether you have a spare room in your home or a second property, becoming an Airbnb host is a great way to make some money on the side. But it can come with unexpected expenses that affect your bottom line. Jason shares ten ways he keeps costs down as an Airbnb host.
Have you ever considered talking to a Financial Adviser about your money? They’re not just for society’s financial elite! James from Lighthouse Wealth tells us about how he’s helping his clients feel empowered about their money decisions in his role as a Financial Adviser, and how he uses PocketSmith in his process.
Whatever stage of life we’re in, everyone needs a rainy day fund. However, how much is enough? And how do you even get started if you’re still paying off credit card debt, or servicing an auto loan? Ruth The Happy Saver guides us through the steps to do so, and shares how her emergency fund has been there for her time and time again.