#nzdebt

HUSTLE! Hustle for those goals, hustle to make extra money, so what you have to do to get ahead. For some people that is working 2 jobs, for some people it is running their own business from home/evening, for others that’s making cuts to budgets and spending, sometimes that looks like saying “no” to something you want to do. Only you can work out what your hustle is going to be, how hard and how much extra you can take on, or how many areas you can make changes in. This journey is all about finding what works for you, there is no black and white this is how you do it. Share your hustle below, maybe we can help/support each other! 👇🏼 #hustle #hustling #sidehustle #budgetcuts #budget #hardwork #moneymanagement #financialeducation #debtfree #nzdebt #debtfreejourney #sortmymoneynz


3💬Normal

My car failed warrant yesterday, the first one in 4 or 5 years since I purchased it. 2 new tyres are required and the rear brake pads. I have no worries in spending money fixing my car as it is a big part of my ability to get around, get my son around, get to work. And knowing it is safe and good to go puts my mind at rest. I am very lucky to have a mechanic friend who can sort these things a bit cheaper for me too! #car #carmaintanance #newtyres #emergencyfund #vehicle #warrant #nzdebt #debtfreejourney #sortmymoneynz


0💬Normal

FOCUS, Focus on your goals. What you want to achieve. This may mean saying no, mean compromising with a partner, making cuts to budgets or lifestyle, but the more focused and determined you are the easier it becomes. Focus on the end goal. But have milestones along the way. #focus #moneygoals #determined #changes #sortmymoneynz #financialeducation #education #nzdebt #debtfreejourney


0💬Normal

Haiiii it me Madi 👋🏼 I like long walks on the beach and spending all my monies 💸 my intention with this IG is to hold myself accountable with changing my mind set of how I look at money in order to achieve the goal of becoming consumer debt free in early 2020. I’ll be sharing in more detail those goals, how much debt is to be paid off and how I’m gonna tackle them so I can then change my name to @ohmadi.gotdollabillz 💰😎


3💬Normal

EDUCATION - make sure you are educating yourself as you go on your journey. There is so much information online, both free and paid, online, hard copy, e books, magazines, videos, you just need to look it up, find the person/approach that resonates with you. I have found S my journey continues I am researching more. Educating myself on terms im interested in or curious about and ensuring I am on the right track with my goals. I don’t follow one particular approach but take bits and bobs from a couple that work for me. #financialeducarion #money #research #knowledge #approach #moneymanagement #sortmymoneynz #education #debtfreejourney #nzdebt #debtfreeatoz


0💬Normal

C is for CONSOLIDATE, where you can consolidate your debt into one loan, this will hopefully save you on interest, make your money easier to manage and mean you are focusing on one amount rather than multiple little ones. This isn’t always an option or the best option eg if you have an interest free period on one loan etc but it can be a good way to start making some impact on your debts. #debtconsolidation #consolidate #debt #nzdebt #debtfreejourney #dedtfreeatoz #sortmymoneynz


0💬Normal

Be vigilant when it comes to paperwork, contracts, policies and documents! For the past year I have been missing out on the staff benefits that I was eligible for as I wasn’t loaded as a staff member in our systems. I picked up on it when I received an email about staff perks and realised I’d never seen those on my insurance policies. One quick phone call and all sorted. They emailed my boss to verify I was a staff member and my start date and all sorted with nice wee discount going forward. #paperwork #inspect #smalldetails #savings #earntit #bonus #staffbenefits #insurance #nzdebt #debtfreejourney #sortmymoneynz


0💬Normal

B is for BUDGET. you need to write a budget, give your money a job, whether that is bills only or every dollar. Again you have to find what works for you and encouraged you. My tips are to write down you total income for how you want to budget, personally I do monthly, but I’m paid fortnightly. Total income calculated. Now is time to work on your expenses. What money is going out and where? Then there is your living costs, food petrol, power. Lastly calculate all your “extras” this is your gym membership, Netflix, eating out, coffee, sky what ever else you choose to pay/have in your life. Add it all up over a fortnight/month and see how it adds up to what you earn. A lot of people spend more than they earn and that is an issue in itself. Next you want to work out where you can make cuts, pull back on spending or cancel/go without. Write down your ideal but realistic expenditure that you aim to meet. Aim for that, or as close too as possible. When it comes to debt payments my approach is put all you can into one and just pay minimum on the rest, all extra you can afford to that and watch your momentum build. Share your number one budgeting tip below! 👇🏼 #budget #tips #tricks #tipsandtricks #smallchanges #additup #banking #eftpos #debt #nzdebt #sortmymoneynz


0💬Normal

A is for ADVICE. however that may come, professional from a financial advisor, via self research and education, social media, books, magazines! There is so much information out there. On my journey I have found the more advice I have a sought the more motivated I am, to discover and learn more. We are building a great NZ based debt free community here and supporting all of our journies. Reach out to content creators, follow pages that resonate with you, and absorb as much information as you can. If you are in a really bad pace financially there are some great services that provide free financial advice, seeking help and advice is a great start to helping your situation. Your bank is also a great reference point and can help direct you in the right direction. #advice #financialadvice #research #sharing #approach #information #debtfree #nzdebt #debtfreeatoz #devtfreejourney #sortmymoneynz #financialeducation


1💬Normal

The stats are in! As I mentioned in my goal reflection no extra payments this month to my loan, just my standard automatic payment. So 2 x $250 payments to loan = $500 - $57.06 of interest = 443 paid to my loan. So if I am to achieve my goals I have $1200 to pay to my loan next month! 😬 (that’s my nervous face!) I have $500 in schedule payments, so and extra $700 to find in my budget. Now I could do this right now with some of my end of year bonus, but I want to see what I can do before using that lump sum. It may sound strange but I just like a good challenge! Watch this space for December pay off details! She’s gunna be a good one! #debtpayoff #statistics #goals #totaldebt #repayments #nzdebt #debtfreejourney #sortmymoneynz #moneymoneymoney


0💬Normal

Well I bit off more than I can chew this month and didn’t manage to achieve my goals, I did touch on each of them however! A busy month which turned into a spending month not ideal in the lead up to Christmas, but Christmas should be pretty chill at my house this year. Let’s reflect! 1- as I just mentioned, ended up being a big spend month so no extra payments to debt this month, just my standard automatic payment, this is however much higher than the minimum or required payment. #2-instead of sitting on it I spent it! 🤦🏼‍♀️ check out my thank you emergency fund to find out why! 3- Christmas shopping is 99% done. A couple of last bits and bobs to compete 4- I started researching however haven’t taken the plunge on @sharesiesnz (I will though!) 5- nope, just nope. Wasn’t happening! This month I will set some more realistic and achievable goals, swipe 👉🏼 to see. I hve started by topping my emergency fund right up to $1000 with some of my end of year bonus! 👊🏼 so number one, don’t touch! 2- commit the rest of my bonus to debt or invest (on the fence) 3- Christmas! I’m gunna enjoy, relax, and not worry too much about anything, enjoy family time and a break from work. 4- lastly as close to or under 10k as possible in debt. #goals #financialgoals #debtfree #money #moneymanagement #frugal #fun #life #consumerdebtfree2020 #nomoredebt #saygoodbyetodebt #nzdebt #sortmymoneynz #monthlygoals


4💬Normal

Wanna share this little beauty with you after all the crazy emails I received for Black Friday! I have already used this, but when browsing etc you enter your email and then end up with a stream of never ending promotional emails! Well @unrollme is here to help! Sign up, link your email and clear out your inbox of all those unwanted subscriptions! Not only is it going to clear your emails you are going to save time scrolling through your emails to find the ones you do want! #cleanmyemails #cleanout #unsubscribe #begone #unrollme #debtfreejourney #nzdebt #sortmymoneynz #moneymoneymoney


3💬Normal

Tips for surviving Black Friday sales!! Just because you are on a savings/debt free journey doesn’t mean you can’t make the most of the sales and purchase what you NEED! Now at this time of the year a sale is always welcome, save some $$ on Xmas gifts etc, so my number one tip is make sure you already had plans to purchase what you are buying! Don’t just buy things because they are on sale. Yes your are saving money on the product but If you don’t actually buy it you are saving even more! Don’t just buy things for the sake of it. Clean out your email inbox of all the sale emails, and will also help you for future sales/adds. If you need something you can research the prices etc Last but not least! Just avoid the sales all together #blackfriday #sales #savings #planning #selfcontrol #avoid #budget #nzdebt #debtfreejourney #sortmymoneynz


1💬Normal

I never knew receiving a bonus would mean so much to me! I guess when you have worked for 10 year and never received anything like it, it’s a bit of a shock! I am so proud and busy planning to use it (responsibly) and put it towards my future. I feel like I have a bit of freedom for the Xmas period, I am entering 2020 with some money behind me AND most importantly I feel valued by my employer, positive about my job and acknowledged for the hard work and effort I bring. No matter what level you are at in your career everyone needs to know they are doing well, whether that is verbal, financial, gift however is is shown, as an employee I just know that that goes a long way for your work satisfactions And employee happiness. Now old me would have spent a@good portion of this already or had set plans, but funnily enough I am a little hesitant to spend any! 😂 oh how times are changing. Bring on#2020 #bonus #cash #firstinvestment #work #career #solomum #workingmum #careerwoman #sortmymoneynz #debtfreejourney #nzdebt


2💬Normal

J is for JOY!! Today I got some great news! 1 - my work is making my job permanent (currently on a secondment) and 2- I got a pay rise!!! I am so bloody happy! I work hard, but I do truely love what I do and it shows in my work, my passion and dedication. My boss can see it, his bosses can see it and they want to recognise what I am bringing to the team! 😍 I have never worked somewhere where an individuals contribution is acknowledged and rewarded. I work in a big corporate company and to have such feedback and reward in the early stages of my career has me beaming! This is my third pay rise and promotion in just over a year and I am STOKED! Completely new to my field of work I am so glad to have found a passion and be working my way through establishing a great career and having good work life balance. All these things put me another step closer to my 2 big goals, being consumer debt free & purchasing a home in 2020! So excited to see what the next year in my career brings! #happy #rewarded #payrise #job #careerwoman #solomum #change #careerchange #acknowledged #proud #anotherstepcloser #debtfreejourney #nzdebt #moneymoneymoney #sortmymoneynz


10💬Normal

Vehicles! This month my car drained my emergency fund! I mean I know that’s why we have them but man oh man, every time I get one step ahead something comes up. My battery has randomly died 3 times over the past 6-9 months so decided was time to bite the bullet and get a new one before I went on a wee roadtrip. It was also due for a service so added that in and hello $400 odd dollars! 🤦🏼‍♀️ back to square one! I am thankful for the fact I had saved some money and had it there ready to access but gutted to have had to use it! This financial journey is definitely a journey and a roller coaster #emergencyfund #car #maintenance #vehicle #moneymoneymoney #sortmymoneynz #nzdebt #debtfreejourney


0💬Normal

For the first time in my life EVER I earnt a cash bonus for my efforts, dedication and performance in my job! I am so proud and excited for this. What a feeling to be valued and rewarded for your hard work. Now to be responsible with it 🤷🏼‍♀️ as tempting as it is to go and buy all the things I “want” there is a few things I need to do! 1- top up my emergency fund after draining it in car maintenance in November 2- trip to the dentist for an all over check up (always delayed because of cost) 3- trip to Auckland to visit my nana who I haven’t seen since she moved there earlier this year 4- treat myself to a could of “wants” because I deserve it! I’m thinking a fitness tracker watch 💪🏼 #bonus #cashbonus #rewarded #reaponsiblespending #nosplurging #needbeforewant #moneymoneymoney #sortmynoneynz #debtfreejourney #nzdebt #excited #proud #achievement #finances #financialeducation


5💬Normal

Watching my debt lower and my savings etc grow is so motivating and empowering! As a full time working single mum I am doing all I can to provide the best life for me and my wee man. Today I went to an open home of a house I have loved for ages, and although it is out of my price range right now, I know I am on my way to buying a house like it in the near future. 1 1/2 months left this year 😱 an I am on track to smash my debt goals. I have big plans for the new year. Some prospects at work which will help towards my goals and determination. By the end of next year I WILL be consumer debt free! I can feel it in my bones! #motivated #goals #debtfreejourney #finalstages #1yearleft #nzdebt #moneymoneymoney #sortmymoneynz #savings #housepurchase #1sthome #dreams #solomum #budgetmum #financialeducation


1💬Normal

Let’s break it down! This month I made 3x $250 payments to my loan and 1x $50 payment, for a total of $800 to my debt, my interest was charge at 5.77% which totalled $59.52 this month! So a total of $740 to my debt! My goal was to get it under $11500 so fell just short of that, but I determined to start next year with less than 10k of debt! #debtfreejourney #nzdebt #debtoayments #totaldebt #slowandsteady #repayments #finaldebt


0💬Normal

Today called for a quote! As we near the end of October and head into November, Xmas is looming closer and closer. Over the past year I have learnt it’s not about much I earn, but how I priorities where my money is going that matters. On my personal page I have been questioned about “only working 30 hours” “ affording my car and to go to the gym” and the activities I participate in. 1- that really is no ones business but my own so really annoys me that people feel they can question something like that (I don’t share any financial things there) 2- I can do these things because I prioritise them in my budgets and work hard to achieve being able to do these things 3- i deserve to enjoy my son, drive a nice car and work 30 hours, because in those 30 hours I work hard and am paid well enough to allow me to live the lifestyle I want using budgets and making little cuts here and there and originally some big lifestyle changes. #hardwork #determination #budget #workingmum #salary #wages #spending #saving #debtfreejourney #nzdebt #debt #sortmymoneynz


0💬Normal

Learning the balance of living the life you enjoy and working towards your goal is a bit of a journey! I have been working on saying “no” to spontaneous shopping trips, spending endless money on unnecessary clothing and “things” and endless shades of makeup. My best advise is use one thing up before buying another, limit shopping or save for one weekend away etc I enjoy a couple of weekends away a year where I shop and enjoy the bigger cities. Kmart is my biggest downfall but I am also slowly and steadily filling my house with nice things. Things I invisibility to make my future house a home. Just because it’s cheap doesn’t mean you NEED IT! I have a wish list and as I can afford to upgrade or treat myself I do, but a lot of the time I stop and ask myself do I need it. Everyone’s goals are different and we are on these journeys. No one method is right you have to find what works for you. Decide what is your splurge/area you will spend a little extra in, something that makes you happy and brings joy to your life, and make cuts and say “NO” elsewhere to allow that to fit in a debt free journey/budget. #sayno #balannce #flexible #adjust #focus #prorities #financialjourney #nzdebt #debtfreejourneynz #moneymoneymoney #dreams #sortmymoneynz #moneyquote


0💬Normal

Who read this quarters @juno_investing_magazine ?? Leave me a comment below and let me know what your favourite part was 👇🏼 Mine was the two KiwiSaver articles, about making small changes depending on your age/stage of life and also just general changes to the KiwiSaver schemes. I LOVE that this is focused on little old NZ and our countries knowledge off all things finance. I think there is a huge lack of education and basic money management skills taught. #moneymanagement #nzfocused #nz #junomagazine #financialeducation #gifted #willberebuying #kiwisaver #knowledgeispower #nzmoney #nzdebt #nzdebtfreecommunity #sortmymoneynz Thank you to the team @juno_investing_magazine for sending me magazine! I love increasing my knowledge and education on all things financial and this fabulous quarterly magazine is a must!


0💬Normal

New month = new goals! Smashed last months goals and I am so proud of myself! I am becoming more and more aware of the little spends and cutting back, I am making coffee and lunch at home, I am so determined to smash this debt I am putting in what I can above minimum payments, my emergency fund is growing, and for the first time in forever I don’t even care when payday is! I am doing great! #proud As I said. New month and new goals! This month I am challenging myself a little! Beauty products are my weakness, I LOVE trying new things however tend to buy unnecessary product with this habit. To get my loan to 11500 will be a push, but one I am determined to achieve. That balance is going to be under 10k for New Years! Meal prep = finding my motivation as I have been SLACK, and well XMAS I need no motivation for that! I love Xmas, I love planning presents and can’t wait to share my Xmas on a budget tips over the next few weeks! #octobergoals #breakitdown #babysteps #budget #solomum #finances #moneytalk #sortmymoneynz #nzdebt #nzdebtfree #nzdebtfreecommunity #debtfreecommunity #debtfreejourney #payingoffdebt #smashingit #motivation


0💬Normal

This is how I used to feel about trying to budget as a single mum! A few years of hard work and determination means the thought of budgeting, making big life choices and saving, the potential to buy a house is on the cards and I don’t have to shy away from the things in life I want to do. I don’t hide from my finances, I tackle them head on, I am open and discuss things. I have learnt to say NO when I needed too and I prioritise what’s important in my life. #friends #family #savings #nohiding #frontingup #budgeting #financialgoals #nzdebt #moneymoneymoney #solomum #hardwork #sortmymoneynz


2💬Normal

🤔 Simplifying this years financial goals so I can actually achieve them. #reset #smallwins #debtfreejourney #debtfreecommunity #studentloandebtnz #financialpeace #nzdebt #personalfinance #pasifika


0💬Normal

After an unexpected and unknown drop in July I am glad to see I am heading back up! Credit score is a good indicator or your position and how desirable you are to lend too, obviously with the aim of buying a home in 2020 any drops is less than ideal. On my back to the 700s then will be aiming for the 800s. I love tracking and keeping an eye on things. That way nothing is a surprise (minus the nearly 100 point drop for no apparent reason). I will be prepared when I talk about my lending history and if there was an issue I would be aware quickly so I can rectify it ASAP as well. #creditscore #debt #nzdebt #debtfreenz #creditrating #tracking #organised #sortmymoneynz @creditsimplenz to check yours!


0💬Normal

September already!! 4 months until the end of the year!!! How are you looking to achieve your short term goals? Do you need to make any changes? Here are my goals this month, to help me stay focused and work towards my short term (end of 2019) and long term (1-2 year) goals. 1- sell 3 things from around the house and put the money straight to my emergency fund 2- increase my loan payment by $50 a pay 3- put over time money toward debt and emergency fund (have a lot of planned overtime this month) 4- 5 no spend days over the month (1 done already 👊🏼) 5 - find some wiggle room to pamper myself also because with extra work and a busy few weeks I deserve it! #goals #septembergoals #planning #2019 #debtfreejourney #nzdebt #sortmymoneynz #gettingahead #littlesteps


3💬Normal

I’m not sure if I actually officially shared a post about it, but I am officially student loan free! IRD lost my last payment to my loan and took a week to find it but then did and I have had confirmation that that is all complete and done earlier in August! 👊🏼 my debt is now down to this wee bad boy and I am planning on smashing it out of the park! I aim to have it under 10k by jan 2020, and then hopefully pay the 10k over 2020 to be officially debt free. How amazing is that going to feel! It’s not going to come easy and will be hard work: but here is the the next 4 months of hard work and then 12 months of extra hard work to achieve my goals! September goals are coming in a day or two and you bet a brand new budget and some selling is a part of that! How is your debt progress going? I managed 1 extra payment into my debt this month as I am still building an emergency fund also, however progress is progress and that one payment is one less I have to make later. #goals #moneygoals #debt #nzdebt #debttotal #thatsmynumber #moneytalk #letstalkmoney #moneymoneymoney #sortmymoneynz #debtfreejourney #debtfreecommunity #debtfreelife #debtfreecommunitynz


0💬Normal

It’s all a bit overwhelming when you know you want to start focusing on your debt but there is so much information out there. Here are my basic/beginner steps to starting your debt free journey! 1- write down the total income your household will receive each month 2- write down every dollar that you owe someone else (bank, car, cash loan, HP) and if you can the interest rate and minimum payment required. 3- if you don’t know that information, find it out 4- study your bank statements and see where you are splurging, where you think you could make cuts. See where you money is going. Add it up! You may be very surprised at how much you are spending buying lunch or coffee daily. 5- create a realistic budget for your living expenses. Remember this is just the goal, it can be amended however be realistic because if you under promise and over spend you will struggle to put extra aside as well. A budget guides you, it’s something to aim for. Before you can really start managing your money and tackling debt head on you have to understand what is happening with your money currently and be willing to make some changes, make some costs and work hard to achieve your dreams. #confronting #nzdebt #knowyourmoney #sortmymoneynz #budgeting #moneymanagement #moneymoneymoney #letsgetstarted #beginner #budgettingforbeginners #basicbudgeting #debtfreejourney #debtfreecommunity #debtfreecommunitynz #nzdebttalk


0💬Normal

Spent this weekend helping clear out my nana house and helping sell furniture and larger house items. Good to see more and more people looking for second hand things that still have a lot of life left in them. Saving things from landfill and saving money at the same time. #reduce #reuse #recycle #upcycling #secondhand #thrift #garagesale #sortmymoneynz #nzdebt #debtfreejourney #debtfreecommunity


0💬Normal

Tonight we are talking snowball vs avalanche approach to paying down debt. These are two of the most popular I have hear about and read about on my journey. And without realising it before I really started researching finances etc I was snowballing! SNOWBALL: where you start with your smallest debt first. Start the ball rolling as such. With each debt you pay off your snowball gets bigger, it gains momentum, each debt you pay off you add that to the next one. In the mean time you forget about interest etc and just pay the minimum payments on each debt as you build your snowball. Eventually your snowball will grow and grow and your debt will be rolling and picking up dipped towards that debt free life! AVALANCHE: where you focus on the highest interest debt first, you pay minimum on all the repayments and focus purely on the highest interest debt, as you work your way down the debts you head to that debt free life at the bottom of the mountain. Both are great options to allow you to focus on your debt as you cannot win by putting payments all over the show. These methods help you to focus your payments on which ever you decide is most important/or will work for you, and build motivation and excitement as you see those debts disappear! I am on the final stage of my snowball, my largest debt and I am throwing everything I can at it, to smash it out as fast as I can! #debtfreejourney #snowball #avalanche #debtbuster #methods #approachtodebt #payingdebt #nzdebt #moneymoneymoney #sortmymoneynz


1💬Normal

It’s been a hot minute.. I have been slowly going through my inbox cancelling memberships I never knew I had. So this was one of the many. It’s made me check my CC’s and all my accounts once a fortnight for any direct debits or memberships coming off my debit card too. How sneaky is that. Learnt a big lesson always know where everything is going 😩 #debtfree #trackingfunds #debtfreecommunity #dfcnz #debtfreenz #nzdebt #focus


0💬Normal

Whoop whoop to savings! That’s $13 a fortnight for gym, $45 a month for food app, and means I won’t/can’t buy things on a whim with afterpay. All these small steps helping me change my life in more ways than one! I am becoming healthier: more motivated as my funds grow, more determined, and actually using what I have instead of just buying spontaneously! Who else is making small changes along the way that ultimately going help them achieve their goal and live a better life! 👊🏼 #moneymoneymoney #letstalkmoney #debtfreejourney #nzdebt #nzfinances #debtfreecommunity #debtfreecommunitynz #goals #onestepatatime #makingchanges #happylife #achievements


0💬Normal

NOT happy! My credit score has dropped and nothing has changed, I paid everything as always, nothing owing money (so I thought). Then I got a letter saying I still owed money on my glasses. I went in to see specsavers and they said oh that’s just our debt collectors however it is their mistake as the corporate discount I get from work it sitting there waiting to be written off and they haven’t done it. BUT the most annoying this is that it not even my fault! That is their mistake yet it effects my credit score! So bloody annoying. I know my score is still good but I work hard, pay my bills on times and was working towards that 800 credit score! Drops in an instant but takes months to build back up! #unfair #creditscore #notmyfault #builditbackup #creditsimple #nzdebt #debtfreenz #nzdebtfreecommunity #debtfreejourney #solomum #workinghard #goals #financesnz #moneymoneymoney #letstalkmoney #sortmymoneynz


0💬Normal

Saturday night spend planning and preparing for the coming months! Looking like a straight road through to Xmas here in our house and we are on track to having consumer debt under 10k by Jan 2020. All going to plan with no sneaky surprises we should be charging into 2020 with some pretty amazing goals! Now back to tackling the small weekly/monthly goals to help me achieve my main goal! #housepurchase #consumerdebtbegone #investing #insurance #allthingsmoney #nzfinances #nzbased #nzdebt #debtfreejourney #debtfreecommunity #debtfreecommunitynz #planning #preparation #goals #2020wecomingforyou


0💬Normal

I missed yesterday of insurance week so two posts in one evening to make up for it. CONTENTS! What have you got in place to protect your belonging? If you lost everything tomorrow could you afford to repurchase everything you own? I don’t know many people who could, and that’s one aspect of contents insurance. The other is liability and like most vehicle cover, contents policies in general have this cover in place. This is particularity important day for people who rent for instance, where if you accidentally burnt your home down and they could prove was you, you are liable for the cost to rebuild, and again not many people I know could afford to pay and insurance company back that amount of money in a short time frame. Contents is great, usually fairly flexible with premiums giving a discount for higher voluntary premiums etc and this is where you can save some $$ also. Contents again even a small amount of cover generally will give you the full liability cover. Also I sleep easy at night knowing my possessions are protected and I am protecting wee families future by having a contents policy in place. #insuranceweek #insurance #protection #contentsinsurance #liability #stuffandthing #moneymoneymoney #belongings #sortmymoneynz #nzdebt #debtfreejourney #debtfreecommunity #debtfreecommunitynz #nzfinances #nzinformation #nzbased


1💬Normal

Medical insurance. Has anyone here benefitted from having medical/health insurance? I just find in NZ that if anything major happens you are going to get the surgery you need regardless so this is the one insurance I am not sold on. I don’t go to doctor enough to benefit having cover in that area. And I guess I just have faith that the public system is going to take care of me if I need it. What are your thoughts on this?? #medicalinsurance #healthinsurance #insurance #health #doctors #surgery #medical #privatehealthinsurance #publichealth #benefits #onthefence #sortmymoneynz #moneymoneymoney #letstalkmoney #nzdebt #debtfreejourney #debtfreecommunity #debtfreecommunitynz


10💬Normal

Let’s talk house insurance! So from what I can gather pretty much the rule of thumb when it comes to what’s included under house insurance is if you were tip your house upside down, of it stays put it’s house, if it moves it is contents. House insurance also covers swimming pools, fences, culverts and retaining walls in most policies. Again if you own a house and don’t have it insured you are playing with fire! I live in Marlborough and we are in a high risk zone after all the earthquakes in kaikoura and Seddon meaning it is very hard to get insurance. There are online tools which help you establish what cover is needed (a quick google) or your bank site most likely has one too. In NZ we have a terrible time ensuring we have the right cover, enough cover and then reviewing the cover once we have it in place. So if there is one thing you take from this week where we talk about insurances it is to really think about the cover you have, the cover you may need, and go and review your policies in all areas. #insuranceweek #insurance #houseinsurance #house #protection #cover #protectwhatyougot #moneytalk #moneymoneymoney #sortmymoneynz #debt #nzdebt #debttalk #nzdebtfreecommunity #debtfreecommunity #debtfreejourney #financialeducation


2💬Normal

How did you go with your goals this month? I managed to achieve my but just today had to dip into emergency fund to help support cost of trip away for work. I knew this month was going to be hectic and it sure delivered! A few to many “treat yourself “ moments and spontaneous purchases while on holidays and around the place but totally worth it! Time to set some new goals and get back on track! #money #backontrack #moneygoals #finances #moneytalk #nzdebt #debtfreejourney #savingsgoals #sortmymoneynz


1💬Normal

I have been using @creditsimplenz for a few months now to track my credit score and keep an eye on my financial position. Now it has been very interesting as in this time I have not changed a thing! Other than consistently paying my debt which I have always done. I just admit when I first did it and it was down in the 600 I was surprised as I have always made payments and never missed any. I had recently transferred my debt to @bnzbank however so maybe that lowered it as it does class as an application. Stoked to see it shows no outstanding debts etx though which is great! 👌🏼 my report shows one active credit card/loan with gem/latitude with a zero balance however after a phone call I am reassured it is all closed with zero balance. No issues there. And they will happily verify that if needed in future. The last slide is a just for fun page of statistics of where I sit in a few fun categories such as star sign, age and post code. If you haven’t checked out @creditsimplenz head on over and have a play, it’s FREE and a great resource to help you track your credit score, advice on how to improve it, and great articles etc. I am really enjoying building my knowledge (and my score) the more I understand how all this works! Give me a big 👍🏼 down below if you have used them and let me know what you think! If you haven’t heard to their website (in their bio) and have a play! Ps for those concerned it does NOT effect your credit score using this site. #creditscore #nzdebt #creditrating #dontbeshy #hardworkpaysoff #movingonup #finances #nz #moneymoneymoney #sortmymoneynz #creditsimple #statistics #knowledgeispower #education #financialeducation


2💬Normal

My top five apps! Of course number one is my banking app! This is a life saver, a guide, a daily reminder, a self management tool and my number one app! I use this daily. Multiple time. Girl loves to know what her money is doing! And if you are not using internet or mobile banking in 2019 WHAT ARE YOU DOING!!?!?! @bnzbank Number two is the calculator tool! Budgeting and knowing how much is moving when and where is important and I do love me some good basic calculations! #mathisnotmystongpoint Number 3 is fudget! They don’t appear to have an Instagram but by far the best most basic and Easy to use budgeting app I have tried. Look it up in the App Store, is bright orange :) @nzstuff comes in next for keeping me in the know on the latest news and finance information. Important to be aware of what is going on in your country and the world. Last but not least this amazing community here and on YouTube! So much information, so many amazing people with tips, tricks and advice to continue building my knowledge and education. Let me know below your favourite apps to use, or your fav online accounts to follow! #sortmymoneynz #moneytalk #nzmoneytalk #nzdebt #moneymoneymoney #apps #organsied #finances #moneymatters #budgeting #debtfreejourney #debtfreecommunity #debtfreecommunitynz


4💬Normal

Your lifestyle very much influences your spending habits however you can also live an enjoyable lifestyle whilst saving money and being savvy with how you spend your money. You choose what’s important in your life; whether that’s gym, shopping, eating out, a hobby the thing to remember is you can’t have it all. You cant put money into all these areas and still get ahead. You have to make changes to what you are currently doing now to change what your future looks like. I am all for the balance and enjoying things in life. I am an adventure girl and love a good weekend away here and there. This just means I limit my shopping in between to necessary and occasional to allow for these splurge weekends to happen. I work it into my budget and still refining my longer term budgeting skills however I rename a bank account for what ever I am putting money towards. I find little ways everyday to save money so I’m not forever saying no to doing things. There have been times where I really can’t afford thing, and somehow still do them, now I plan ahead, at this stage only a month or two unless a big thing eg christmas, eventually I aim to plan ahead about 6 months so there are never any suprises! #realistic #reallife #money #moneymoneymoney #sortmymoneynz #lifestyle #influences #spending #social #adventures #hobbies #balance #nzfinancetalk #nzdebt #debtfreejourney #debtfreecommunity #debtfreecommunitynz


0💬Normal

My July goals! This is an expensive month here, with my bday, a trip away and a good friend home I want to relax and enjoy not worry to much about what I’m spending when. A week or month or two like this a year is the perfect balance for me. Not a major blow out but a wee splurge on something fun (now normally child related). what are your goals this month? As long as I make my payments to loan and at least $100 into my emergency fund I’ll be happy. #budgeting #moneyawareness #money #moneymoneymoney #letstalkmoney #sortmymoney #nzdebt #debtfreejourney #debtfreecommunity #sortmymoneynz #budget #julygoals #savealittle #spending


0💬Normal

Another month, more debt paid! Current debt as of 1st July 2019. Love seeing that number go down and down. Hate seeing interest added so continue to put as much extra as I can into this debt. Last interest earning debt and cash debt! Whoop whoop! #slowlybutsurely #debt #paymydebtdown #moneymoneymoney #realtalk #letstalkmoney #nzdebt #interest #sortmymoneynz


1💬Normal

How many debt products have you got stacked on top of each other? That is a sure fast quick way to let your finances spiral out of control with multiple debts, varying payments and interest rates. $ credit card $overdraft $personal loan $HP $quick money providers like Gem visa, Moohlah etc $borrowed money from friends/family $mortgage $student loan $business loan Any I have forgotten? #money #letstalkmoney #nzdebt #debt #debtproducts #borrowedmoney #interest #payback #debtpayback #moneymoneymoney #finances #financialtrouble #cycle #breakthecycle #sortmymoneynz


3💬Normal

This is where I’m at! How about you? Feel so good to have seen this number drop and drop and drop! I continue to put as much as I can into this debt, this is my personal loan! I am lucky enough to be on a super low interest rate and can rally make decent headway on this each month! #debt #noshame #letstalkmoney #whatsyournumber #sortmymoneynz #moneymoneymoney #nzdebt #debtproducts


0💬Normal

My student loans going down but bills are going up. Currently looking for a second job to increase my income this year. I may need to re think about next semester at uni and work to start stacking some money! Ugh I've been putting off budgeting 'cause this feels like it's getting way over my head. #dentalwork #ineeddentalimplants #sinkingfunds #studentloan #nzdebt #debtfreejourney


0💬Normal