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Are you off your trolley? You could be, with our sneaky tricks to save money on your groceries

Are you off your trolley? You could be if your supermarket bill is creeping over $50 per person for a family. There are so many sneaky tricks to save money on food. You might even find that you’re healthier and happier when you buy more basic food. Don’t say it can’t be done. If your bill is out of control, try some of these tips. Budget. Start with a figure that you want to spend on food each week and…

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How to lose interest in presents (yes, it can be done)

It is a truth universally acknowledged that birthdays require delicious cake with lashings of icing and a complete lack of regard when it comes to calorie intake. However, it is a fib, unfortunately universally acknowledged as a truth, that birthdays also require presents – the rationale being that the more expensive the present, the more you love or admire the recipient. I have pondered this matter deeply, and after accidentally smashing my annual presents budget in six months, I have…

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The cheque’s in the mail: How to make sure your small business gets paid

It’s the 20th of the month, and if you run a small business that can be a bitter-sweet date. On the one hand, it’s payday, and on the other, it’s when all the invoices you owe fall due. Getting paid on time can be the difference between success and failure. So how can you make sure the money turns up? Chances are, at some time in your life you’ll end up self-employed or running a small business. While it’s fun…

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What You Need To Know About: Having a side hustle

The internet is chock full of stories about people who’ve set up a side hustle that’s eventually turned into their full-time job. And if you’re stuck in an office, or in a job you don’t totally love, you too might have been considering a side hustle as a path to something better. Here’s what you need to know. You can totally do this Most adults started their working lives juggling two jobs at high school or at university. Having a…

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Bankruptcies have hit a five-year low
Bankruptcies have hit a five-year low (but here’s why it’s smart to stay vigilant)

When it comes to managing our money, and staying out of financial trouble, Kiwis are beating the Aussies hands down, according to new analysis we’ve run, which shows that the number of people declaring bankruptcy has reached a five-year-low, dropping by 15% last year compared to 2016. And if that isn’t enough cause for celebration, we have approximately half the number of bankruptcies, per capita, compared with our friends across the ditch. CreditSimple.co.nz spokesperson Hazel Phillips said the five-year bankruptcy…

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Five ways to screw up your retirement: a lifelong project

Step One: Spend money you don’t have First of all, you probably want to spend lots of money. More money, in fact, than you’ve got in the bank. Let’s say you’ve got a good job and you’ve found a place to rent in the Auckland market and you’re happy with your lifestyle. Why not crank it up to the next level by moving out of your flat, buying a bigger car on HP and maybe going on that overseas’ holiday.…

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Is your food bill out of control? It could be that big lump of protein on your plate

Protein – at least the meaty versions – is expensive. And research indicates that we’re obsessed with protein, to our detriment. Most Kiwis spend far too much on that protein, by not eating and shopping consciously. It’s simple to cut the cost of a plate of food radically. First off, not all protein is created equal when it comes to cost. A nice sirloin steak for four can cost $25 before you even add veges to the plate. Even own…

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Help! I can’t pay my mortgage

Perhaps you’ve lost your job, you’ve fallen ill, can’t sell but have bought a new property, the property is uninhabitable thanks to an earthquake, or have no rent coming in. Whatever the cause, if you can’t make mortgage payments your finances can turn to custard rapidly. Non-payment will do your credit score a lot of damage. Even worse, it ultimately leads to your home or investment property being repossessed if you can’t make mortgage payments. Talk to the bank and…

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Feeling overwhelmed by your money problems? Here’s some free expert help

If it feels as though you’re struggling with money problems, the best thing you can do is ask for help. You’re not the first person to get into debt, and you won’t be the last. The sooner you get started on fixing the problem, the sooner you can put it all behind you. It can be amazing how much weight feels lifted off your shoulders once you sit down with someone and lay out your situation. FinCap can put you…

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Man breaks ceiling drywall while doing DIY
Insurance own-goals: Mistakes that lead to declined claims

We love to hate insurance companies. But they do pay most claims. The trouble is that a lot of us don’t understand the basic concepts of how insurance works and we get caught by some mighty expensive fishhooks. Imagine this scenario. You borrow mum’s car, but crash it while dropping a mate home. “No worries”, you say, “mum’s insurance will pay the claim”. The claim is declined because you breached your restricted licence by carrying a passenger. What are you…

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