The post Managing your finances when life throws you a curveball appeared first on Credit Simple NZ.

Here are a few tips to help you ring in the new decade with as little debt as possible.

1. Reconsider whom you need to shop for

At different points in our lives, it makes sense to shop for certain people and not for others. For example, when our nieces and nephews are young, gifts are appropriate but when they’re adults, maybe a heartfelt card is enough.

Go through your list and decide whom you really need to shop for and who can make do with a heartfelt holiday wish.

2. Set yourself a limit – and stick to it

Now that you know who you need to shop for, set yourself a budget based on what you can reasonably afford. Set aside one “money bucket” for gifts, remembering to factor in the cost of wrapping paper, tape, greeting cards and the like.

Consider a separate money bucket for food, drinks and entertainment. This includes eating out, coffees, treats, parties, costumes and movie outings.

Once you have your budget, stick to it. The whole point is to spend only what you can afford to spend.

3. Consider what people actually need

It’s often the case that people don’t really need, or even want, new expensive gadgets in their lives. If you consider what each person really needs, you may uncover creative and inexpensive ways to fill their holidays with cheer.

Maybe you can surprise your nostalgic mother by transforming all your old childhood photos into a digital scrapbook, or give your achy partner a massage based on a technique you learned from YouTube.

4. Shop online

If you do end up with a few physical goods on your to-buy list, consider buying them online. Not only can you often find better deals, but you’re also less likely to incur unexpected or hidden expenses like petrol, parking, eating out, that special gift to yourself and all those pumpkin gingerbread lattes.

But online shops want your dough just as much as brick and mortar shops do, so make sure you don’t get sucked into all the online sales and marketing gimmicks. Make sure you shop around for the best deals and buy only what’s on your list.

5. Do a Secret Santa

Secret Santas aren’t just for the office and the school yard; they’re great for families too. So if you really want to save money this holiday season, and help others do the same, consider a great big Secret Santa.

Ask everyone to write down their name on a slip of paper, along with two or three items they need (or they can simply write “surprise me!”) and throw those into a hat. This way, everyone can save a little money and no one is left with a useless gift they’ll just toss later.

6. Go potluck

There’s nothing wrong with wanting to entertain guests at your home over Christmas or New Year’s. However, there’s no reason to splurge on all the food yourself. If you decide to throw a party, go ahead and cook a couple of your specialty dishes, but ask all your guests to bring something too.

7. Spend New Years in

You don’t need us to tell you how expensive it can be to pay for food, drinks and cover charges just to attend a fancy New Year’s party. Why not hang some mistletoe at home and have your party there?

You won’t have to put up with obnoxious strangers and you won’t have to stand on milk crates to see the fireworks on your big screen and most importantly food and drinks will be a fraction of the price.

Eat, save and be merry!

With some foresight and a little self-control, you can get through these holidays without burying yourself into a pile of debt you’d otherwise spend the next year digging yourself out of.

The information in this blog post is general in nature and does not constitute personal financial or professional advice. It is not intended to address the circumstances of any particular individual. We do not guarantee the accuracy and completeness of the information and you should not rely on it. Before making any decisions, it is important for you to consider your personal situation, make independent enquiries and seek appropriate tax, legal and other professional advice.

The post 7 ways to save money this holiday season appeared first on Credit Simple NZ.

If you’ve never had a budget, or if you’ve tried and given up on one before, it can be easy to get overwhelmed. Visions of complicated spreadsheets and living on nothing but 2 minute noodles make the idea seem at best, snore-inducing and at worst, overly restrictive. But the truth is it takes very little effort to get a basic system – ‘money buckets’ – in place. This is great news, as it can mean the difference between major savings and none at all.

If you’re hesitant to set up a budget, or even if you have one now that’s only kind of working for you, here’s a solution that may just work: separating you money into ‘buckets’.

What is a money ‘bucket’?
The concept of ‘money buckets’ has been doing the rounds of the personal finance blogs and media for a while now, and it’s a simple one: instead of a complicated line-by-line budget that accounts for every cent, you simply split your income into large ‘buckets’, setting up a separate account – and automatic transfers – for each. That way, you automate your saving and spending so it becomes easy to save: it’s that simple.

Step 1: Track how you’re spending now
For a week, or better yet, a month, track your spending. You could log this manually in an app or sync one with your bank account, but actually, many banks in Australia and New Zealand have this function built in to their online banking already, categorising all your transactions for you. However you choose to do it, you’ll soon see trends emerging, and you’re ready to move onto the next step.

Step 2: Choose your categories and decide how much goes in each
Once you have all your info, it’s time to come up with a few broad categories that reflect a realistic picture of how you want to spend and save. For example, you could have categories like rent or mortgage and bills, emergency savings, groceries, eating out, fun money, travel savings and debt. Less is definitely more – fewer categories makes for a simple budget that’s easy to stick to, making it easier to save. Once you’ve set your buckets, decide what percentage of your income needs to go into each. Assuming you’re not spending more than you’re earning, this needn’t be vastly different from how you’re spending now.

Step 3: Open an account for each bucket
With a different account for each type of spending and saving, you’ll know exactly how much you have in each bucket. Many financial institutions offer an option for multiple accounts linked together, and you can even give them customised names so you can see, at a glance, how much you have in each of your ‘buckets’.

Step 4: Set up your automatic transfers
As with many things in life, set and forget is the surest path to success. Make sure you set up direct debits for each of your buckets so your money is moving where you need it without you needing to think about it. Many companies will let you split your salary this way, or you could have all your income go into one account to begin with, with regular transfers set up to move money between accounts automatically.

Step 5: Regular check-ins
Whether monthly or quarterly, it’s a good idea to check your buckets regularly to make sure they’re where they need to be. That way, if you find one overflowing while another is almost empty, you’ll know it’s time to tweak your transfers to better match your spending and saving goals.

So what are you waiting for? It’s time to let your savings take care of themselves. Get started on your money buckets to see how automating your finances can help you save towards your dreams.

The post This could be the secret to better budgeting appeared first on Credit Simple NZ.

As the long weekend kicks off, it can be all too easy to fill your time with fun and frivolous spending. But before you know it, Monday night rolls around and your bank balance is looking more than a little depleted.

Luckily, it doesn’t take much to reset your default setting from ‘spend’ to ‘save’ for a few days, and the savings can be pretty significant. Read on for our tips to boost your savings in just a few days.

Skip 1 thing
You probably have a pretty good idea of which is your biggest discretionary spend. But what would happen if you skipped it, just for this weekend? It’s easier than you think.

For example, for many of us, a big money suck can be eating out. With 4 days off, you could find yourself eating out a couple of times a day and think nothing of it. With even your local cafe or Thai restaurant setting you back at least $20 a head. If you’re a couple or a family, you could save hundreds of dollars.

Only use cash
Studies show that when we use cash rather than cards, we feel the loss of money more. This is because cash is a physical, tangible thing you have to give away to pay, while credit and other payment methods feel hypothetical or even non-existent.

Switching to cash not only makes it easier for you to mentally track your spending, but if you take out a set amount at the beginning of the long weekend, it makes it much easier to stick to a budget.

Take the zero-spend challenge
This one’s a game changer. For a single day (or even the whole weekend if you feel like an epic savings challenge), don’t spend a single cent and see what happens.

As an added bonus, you’ll find that (as long as you have a well-stocked fridge and ready access to a car or public transport) that the possibility for free activities are almost limitless. Make your own coffee, go for a run, fire up netflix, have some friends round or chill in your local library. It can be a really fun experiment.

Apply the ‘clean slate’ principle
If you spent Friday-Sunday on a bit of a spree, that’s actually ok – studies show that at the beginning of a week, month or any time that feels like a ‘fresh start’ is the perfect time for habit change.

With that in mind, Monday or Tuesday may be the perfect time to set up a new budget or set and ambitious savings goal, especially after a few days of spendthrift-madness.

So go on, take the challenge – enjoy a low-spend long weekend. It could save you heaps!

The post How to enjoy a low-spend long weekend appeared first on Credit Simple NZ.

If the school holidays have you fearing those dreaded words, ‘I’m bored!’ but you know you don’t have cash to spare, never fear – a quick Credit Simple brainstorm is all you need.

Check out our top 5 tips to help you survive – and thrive – during these school holidays, with your budget and savings well and truly intact.

1. Get out and about – for free
Whether you’re planning a vacation or a staycation, the school holidays are the perfect time to get out and enjoy heaps of free and low-cost activities on offer. From kid-friendly museums and galleries, to parks, adventure playgrounds, libraries, national parks and even that ol’ favourite, the beach, you could easily fill a whole day (and ensure the kids are well and truly tuckered out) for the cost of a car trip or a bus ride and your byo sandwiches.

2. Try backyard camping
An old-school family holiday might not be in the budget this month, but there’s no reason you can’t drag the camping gear out of the garage, or borrow some from a mate, and have your own backyard camping adventure. This idea is perfect if you small kids who might not be used to being away from home – their beds are just metres away. There’s no stressful car ride required, and it’s a risk-free option that won’t be spoiled by bad weather.

3. Enjoy a crafternoon at home
This trendy pastime (a combo of the words ‘craft’ and ‘afternoon’) is not just for pinterest-obsessed twenty-somethings – in fact, it’s beyond kid-friendly. Especially if the arvo looks gloomy, a bit of craft can go down a treat with the young and young at heart. The best bit? There’s not much skills and very little money involved. Crafternoons can include painting, drawing, origami, The only limit is your imagination – google ‘crafternoon’ and you’ll see what I mean.

4. Have a movie marathon
Find me one kid that doesn’t love to veg out in front of their favourite movie or binge their fave tv show with a bowl of freshly-popped popcorn on the coffee table. Whether you fire up those streaming services or crack out the DVDs, each kid can pick their favourite movie or show for some much needed family chill time. If it all goes well, why not make it a regular event?

5. Go bush
Tramping is a brilliant way to explore the natural world on a budget. Just grab the sunscreen, insect repellent and plenty of water, load up the car with the bits ‘n bobs you need for a BBQ or picnic, and hit the road for an awesome family day out. Pro tip: make sure you let someone know where you’re going and when you plan to be back.

Hopefully these 5 cheap school holiday activity ideas get you thinking of even more fun, free ideas to keep the kids occupied.

The post 5 super fun (and frugal) school holiday hacks appeared first on Credit Simple NZ.

Last week I paid for an upcoming ski holiday in Canada. The trip isn’t until January but it has to be paid in advance. Skiing in Canada is my idea of nirvana, so it wasn’t too painful to see the thousands of dollars flowing out of my account; after all, it’s going to a good cause.

But this week, my car decided it needed a wheelbearing replaced plus a wheel alignment and new spark plugs. Then my dentist informed me that my eight-year-old root canal has failed and will need to be redone. It felt like my bank account was haemorraghing and the rescue helicopter was out to lunch.

As I write this, I’m texting with a friend who is sitting in an all-staff meeting being informed there will be mass redundancies due to bad management of the business. Just like the wheelbearing and the tooth, it’s out of his control.

But he’s feeling fine about it, because last time he was made redundant, he picked up another job straight away, so he put the redundancy money into an emergency fund and hasn’t touched it since. That’s a rare – and comforting – position to be in.

We live in an uncertain world and we’re subject to outside forces that will mess with our finances – if we let them.

Building an Armageddon Fund – an emergency fund for when stuff like this happens – is a lofty and intimidating goal for many people, but it pays dividends when the proverbial hits the fan.

What would you do if, right now, you lost your job, had a health emergency or illness, if your car died or you had a major household mishap?

Having money to cover emergencies means peace of mind and less stress, and having a financial safety net means you can avoid having to use high-interest sources of money (such as credit cards) just to get by. It also means independence (read: not having to beg your family, friends or partner for money)!

How to build an emergency fund

Financial institutions don’t necessary make ‘emergency fund’ accounts, but you can easily create your own. You want it to be highly liquid so it’s easily accessible, which is vital in urgent situations. Make sure you have a debit card so you’ve got instant access to the cash.

Financial experts say you should have three months’ worth of living expenses in your emergency fund. Some even say you should have eight months’ worth. But after three months’ worth of money, your cash is better off sitting in higher-interest areas. So consider having two funds: a short-term, highly liquid fund and a longer-term, less accessible but higher interest fund.

It can be hard to get started building an emergency fund; after all, there’s always something else you’d rather spend the money on. Start by setting low goals, at least initially. Aim for, say, $250 within six months.

“But I don’t have any spare cash!” you say. OK, but if you’re living paycheck to paycheck, it’s even more important for you to build up an emergency fund. First, click here for ninja ways to trim your expenses and free up some cash. Then commit to putting away $10 each week. That’s $520 in a year, plus whatever interest it has earned. That’s the cost of the mechanic bill I mentioned at the beginning of this blog. Puts it into perspective, doesn’t it?

Once you’ve got the fund built up, don’t touch it unless it’s a genuine emergency. A new flat-screen television (or a ski trip to Canada!) doesn’t qualify.

Then sit back and relax, knowing that your next financial crisis is already taken care of.

The post How to build an emergency fund (and why you need one) appeared first on Credit Simple NZ.

Do you want to conjure money up from nowhere? It can be done.

Cheapskates spend almost NOTHING. They pop to the toilet when it’s their round to buy the drinks and trawl local free sites for unwanted pet bunnies to eat. Well perhaps not bunnies, even though it’s been done. But here are some cheapskate ideas to ratchet down your spending big time before your debts affect your credit score:

• Become a Freegan.
  It’s amazing how much free food you can get – without even having to dumpster dive.  Plenty of Kiwis are very happy to get rid of excess fruit to the neighbours. What’s more there are lots of public fruit trees in New Zealand that you can just help yourself to.  If they’re on someone’s berm, it’s a good idea to ask before taking fruit, even though the trees technically belong to the council. You can also freeze or preserve fruits such as feijoa pulp and olives to use all year round.
  
• Drink someone’s dregs.
  No, don’t do that. But do consider sneaking your own drink into the cinema, or pre-loading beforehand. Once you meet your friends, just drink water because it’s all about the company not booze. Alcohol is really expensive and if you’re including it in your grocery budget you’re fooling yourself. It’s entertainment.
  
• Calculate calories.
  When buying any food get your handy little calorie counter and figure out  the cost of every calorie you consume. But do remember you need to have some fruit, veg and protein in your diet to be healthy. Tear Fund’s Live Below The Line campaign in which Kiwis are encouraged to eat on $2.85 a day. It’s do-able in a healthy way and New Zealand top chefs including Annabel Langbein, Simon Gault and Nadia Lim got together and created 75c recipes for participants. Or Google: Live Below The Line recipes and you’ll find plenty.
• Take lunch from home.
  This saves soooo much money.  Throw in a thermos of coffee or your own drinks as well. It’s not at all difficult to make lunch for $2 a day compared to $10 or more in a café or takeaway bar.
• Don’t buy clothes.
  The Emperor’s New Clothes (i.e. nothing) are much cheaper. But seriously, we fool ourselves into thinking we “need” more clothes. Would your colleagues really notice if you didn’t update your wardrobe for two years? Probably not.  If you really must buy something “new” buy super cheap undies and socks from The Warehouse or Kmart and buy everything else at the op shop and SaveMart or swap with friends.
• Get free beauty treatments.
  Girls (and guys), find your local hairdressing or beauty school and volunteer as a model. Likewise you can probably get free advice on styling your home from interior design and landscape gardening students who need a project to pass their course.
• Beg.
  No don’t take your begging bowl down to Queen Street or Lambton Quay. Ask around when you need things or post on your local Facebook pay it forward group or Neighbourly and find out who has stuff cluttering up their garage they want gone. You can even put an order in at the local op shop or recycle centre. People do this.

The final rule for being a cheapskate is there’s always a cheaper way. Bide your time, talk to your friends and see if anyone knows how you can do it more cheaply. In the end you might even find you don’t need to buy at all.

The post How to conjure up money from nothing appeared first on Credit Simple NZ.

Buying yourself a set of wheels is expensive. If you’ve saved the cash to buy the car, that’s great. But realistically, most young people have to borrow money to buy a car. If that’s you, brush up on a few things before you sign on the dotted line.

Save
Saving up and paying cash is the cheapest way to buy a car. Ask around and you’ll find friends who have done it. Surprising, huh?

Downgrade your expectations
We know you want to buy a Beemer with mags to impress your mates. Who wants to look like a nana, after all? If you have to borrow, then spend as little as you can. The smaller the loan the less interest you’ll pay and the more money you have to spend on other stuff, or even save. Don’t fool yourself into thinking you ‘need’ to upgrade when really you just ‘want’ a nicer car.

Read everything
Loan paperwork can have all sorts of tricky clauses in it. It’s best to know what you’re signing. Otherwise the fine print could come back to bite you.

Keep your credit record clean
It’s always easier to borrow if your credit record is squeaky clean. If not, you might need to get someone else to go guarantor (i.e. promise to pay if you can’t) and that’s not always easy.

Check out the bank of mum and dad
It’s time to do some dishes, and buy Mum flowers. The cheapest car loans almost always come from parents. If Mum and Dad don’t have the dollars, they may be able to extend their mortgage to pay for your car. If that’s the case you’ll pay around a third of the interest you would through a bank. Choice. Just be aware that your parents could lose their home if you don’t pay.

Car yard finance
As soon as you set foot on a car yard they’ll ask you how you’re going to finance your purchase. That’s because car yards and auction rooms often make more money out of your finance than the car itself. We know it’s easy to take the finance on the spot. But chances are it’ll cost you heaps in extra interest and charges. It’s best to get your finance pre-approved elsewhere before you go shopping. That way you can bargain your purchase price down.

Borrow from the bank
Loans from the bank are usually at lower interest rates and fees and better terms than from finance companies and car yards. This isn’t always the case. Regardless, always go to your bank and ask the question.

Make sure you can pay it back
Whether the loan is with the bank, a finance company, the car yard or even Mum and Dad, only borrow if you can afford to make the monthly payments. You’ll lose lots of money if the car is repossessed. The shorter the loan the less you’ll pay in interest overall. Try to choose a loan that allows you to make penalty free extra payments whenever you can.

Watch the fees
Car loans come with nasty set-up fees that can be as high as $700 and there may be other eye-watering charges if you miss payments.

Beware of the payment protection insurance
It’s too easy when you’ve fallen in love with a car to sign any paperwork put under your nose. If you have, you’ve probably just agreed to pay for overpriced payment protection insurance that covers you if you get sick or lose your job. Car yards, banks and finance companies often sell this cover to anyone, even if they’re not covered – which is the case for many self-employed people. There are cheaper ways to get better cover. Mechanical protection insurance is another expensive cover often tacked on to the sale automatically at some car yards. Just to make matters worse, you usually pay for both of these insurances upfront and can’t get a refund if you sell the car early.

Do background checks
You can check if there is finance owing on a vehicle by the last owner by visiting the Personal Property Securities Register at ppsr.govt.nz. Searches cost $3. Always check the motor vehicle traders’ register before buying from a dealer: motortraders.med.govt.nz/cms. Complain to the Motor Vehicle Disputes Tribunal if something goes wrong with a purchase through a car yard.

Now it’s time to go shopping for your first set of wheels.

The information in this blog post is general in nature and does not constitute personal financial or professional advice. It is not intended to address the circumstances of any particular individual. We do not guarantee the accuracy and completeness of the information and you should not rely on it. Before making any decisions, it is important for you to consider your personal situation, make independent enquiries and seek appropriate tax, legal and other professional advice.

The post Funding your first car – what you need to know before getting a car loan appeared first on Credit Simple NZ.

Ever been on a diet? A really strict diet? Chances are, you went crazy about all the things you couldn’t have, felt way too restricted, and had a blowout with a tray of donuts and a one-litre tub of salted caramel gelato. (No? Oh… OK, just me then.)

Your finances are a bit like a diet, only in reverse: if you succeed, your bank account is the thing that gets fat. But just like being on a diet, if you’re too restrictive in your approach to budgeting, you’ll go looney tunes and blow the bank.

That’s where the Three Naughty Things rule comes in. Here’s how it works.

1. Figure out your basic budget – living expenses, recurring expenses, and don’t forget to siphon some off for your emergency fund.
2. Take a slice of that out for KiwiSaver, saving for a holiday, or for your retirement (remember to always pay yourself first!)
3. What’s left over is your splurge fund – your fun fund. That’s what you can spend – guilt-free – on frivolities. Nobody can make you feel bad about spending your fun money!

Personal financial advice often makes a big deal out of trimming frivolous expenses. Absolutely; mindless spending can really set you back for minimal enjoyment.

But your frivolity fund is there for just that. It’s a little bit like having a couple of squares of top-quality chocolate at the end of the day, or a glass of wine after work on a Friday – it won’t ruin your health and waistline, but it means you’re living a good life now.

Your frivolity fund shouldn’t go on just anything, though. That’s where the Three Naughty Things rule comes in. Identify the three things that make life really enjoyable for you – those are the things you’ll prioritise in your frivolity spending.

It might be that you love music but aren’t so fussed about alcohol. Or conversely, you love a good bottle of wine, but don’t care about coffee. Or you just can’t imagine life without going to the movies at least once a week.

For me, my top things of enjoyment at the moment are coffee, skiing and books. But I largely don’t care about music, movies, or going out to pubs and bars.

“But skiing is super expensive!” I hear you say. Skiing is admittedly a spendy hobby. However, I’ve long had ski gear so there’s no expense there, so my ski spending is on petrol to and from Ruapehu, and ski club accommodation at $20 a pop. I’ve prioritised that further by limiting proper coffees to once a week on a Monday morning, and instead of buying books I’m mining the shanoozy out of my library card. At the end of ski season, I’ll switch it all up again.

Within your frivolity fund, try to put limits and guidelines around how, and how often, you spend – just like the once-a-week coffee. Sometimes you enjoy something more if you have it as a treat rather than as a routine or a habit.

So that’s it: the Three Naughty Things rule. What are your naughties? And how are you managing them?

The information in this blog post is general in nature and does not constitute personal financial or professional advice. It is not intended to address the circumstances of any particular individual. We do not guarantee the accuracy and completeness of the information and you should not rely on it. Before making any decisions, it is important for you to consider your personal situation, make independent enquiries and seek appropriate tax, legal and other professional advice.

The post Increase your savings with these three tips appeared first on Credit Simple NZ.

There’s no magic in becoming financially fit. But Credit Simple’s Four Pillars of Wealth approach can help you get there. Going from debt to building wealth is easier than you might think. We guarantee there are people around you earning no more than you do who are well on their way to wealth. Here’s how to become one of them:

Pillar one: spend less

Do you know your needs from your wants? It’s only you who suffers if you’re not honest with yourself. Start by kicking the porkies we all tell ourselves into touch. Do you find yourself saying: “I need it” when in fact you ‘want’ it. You don’t need it.

The first step to escaping the ‘needs’ versus ‘wants’ trap is to keep diary for a month and list every last cent you spend. Expect to be shocked when you analyse this diary. Most of us have no idea how much moolah we fritter away. While you’re in honest mode take a long hard look at your supermarket receipts. You’ll probably find that half of what’s in your trolley is a want, not a need.

Pillar two: earn more

By spending less you’re becoming richer. You can supercharge this by earning more.

Never say never. There are many ways to earn more. You can ask for a pay rise, get a promotion, find a new job, or moonlight. Make sure that you have a written career plan and you’re ticking off milestones to the next step up the rung that you can grow into.

If there really honestly isn’t any extra to be made at work, look for ways to make money on the side. That could be anything from selling stuff on TradeMe to babysitting or starting a part-time business from home.

When you get that extra money don’t let spending creep swallow your extra earnings. Make sure you bank a good chunk of your pay rise to benefit none other than your future self.

Pillar three: pay off debt

Carrying a balance is normal right? Well, no, not really …

But paying off the debt requires a plan. That’s probably to pay off those with the highest interest first. Some people, however, choose to clear the debts that give them biggest psychological boost to dispose of. Celebrate when you hit milestones in your journey to becoming debt free.

Shocking as it may sound, some people still wait until they have the money to buy what they want. If you can retrain your brain and think like this your debt will disappear a whole lot faster.

Pillar four: save and invest

Once you’ve freed up some spare cash and paid off your debt it time to start saving.

Don’t just leave your money in the bank. Good investments such as KiwiSaver, property, shares/managed funds, and bonds grow faster than inflation. According to the Morningstar, the average balanced KiwiSaver fund grew by 8.6 per cent in the five years from 2011 to 2016. That’s way higher than inflation even when pesky KiwiSaver fees are taken into account.

Providing you’re sensible, spread your risks and hold your investments for the long term, your money will buy far more for you in retirement than it could now.

Getting started:

At Credit Simple we know you can get ahead. But don’t chew off too much at once. Work your way through the four pillars one step at a time. Habits take time to change, but you can do it.

The information in this blog post is general in nature and does not constitute personal financial or professional advice. It is not intended to address the circumstances of any particular individual. We do not guarantee the accuracy and completeness of the information and you should not rely on it. Before making any decisions, it is important for you to consider your personal situation, make independent enquiries and seek appropriate tax, legal and other professional advice.

The post Going from debt to building wealth: Your way to a richer future appeared first on Credit Simple NZ.