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Forming them into an economically kept hedge structure that will maximize privacy and minimize shade value.
Get in touch today for expert advice and a free quote. Send an enquiry email to service@growthmaintenance.nz or give us a call on 09 281 0120.
Lottery closing soon! Buy your tickets today for a chance to win this fully furnished home in South Island’s stunning Wānaka!
Worth over $1.5 million this Jennian Homes build features four bedrooms, two bathrooms and boasts a stylish open-plan kitchen, living and dining area for year-round … View moreLottery closing soon! Buy your tickets today for a chance to win this fully furnished home in South Island’s stunning Wānaka!
Worth over $1.5 million this Jennian Homes build features four bedrooms, two bathrooms and boasts a stylish open-plan kitchen, living and dining area for year-round entertainment.
Make this property your permanent residence, a holiday home, rent it or even sell it – it could be all yours for only $15! Be in to win by purchasing your tickets today.
Auckland Council's 21 Local Boards have come up with a three-year plan outlining key initiatives we want to focus on in your communities. Help us check if we’ve got it right! Submissions must be received by 4pm Monday 14 August.
For more information click here.
It’s your place. Your … View moreAuckland Council's 21 Local Boards have come up with a three-year plan outlining key initiatives we want to focus on in your communities. Help us check if we’ve got it right! Submissions must be received by 4pm Monday 14 August.
For more information click here.
It’s your place. Your voice.
Back in the 1970s and ‘80s, you didn’t learn if your parents didn’t teach you or you weren’t tenacious.
Findings from the third stage of Massey University’s Financial Education and Research Centre show young New Zealanders are growing in their financial capability, although young men are… View moreBack in the 1970s and ‘80s, you didn’t learn if your parents didn’t teach you or you weren’t tenacious.
Findings from the third stage of Massey University’s Financial Education and Research Centre show young New Zealanders are growing in their financial capability, although young men are doing better than young women.
The study found life experience has replaced parents as the primary source of financial information.
Whether you’re 13, 30, or any other age, Money Month is a great time to get started on personal financial skills, or to brush up on them. Just don’t fall for the ‘poor me’ mentality. You have to want to learn, and here are some tools.
Educational websites
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Many websites and YouTube channels offer free resources and courses on financial literacy. You don’t need to be at school to use the Sortedinschools.org.nz resources, which include a range of diverse topics from “what is cryptocurrency” to “building a tiny house”.
Another New Zealand-based resource is Banqer, which has opened up its Virtual Economy Experience to adults for Money Month. Get in fast. The offer is limited to 1000 adults.
You’ll also find numerous YouTube channels dedicated to personal finance. A good local channel is MoneyHub New Zealand. Most personal finance concepts transcend borders, and there are plenty of overseas ones as well, such as The Ramsey Show. International education resources such as Investopedia or the Khan Academy’s personal finance and financial literacy sections are very good.
Personal finance tools and apps
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For some people, jumping in there and just doing it is the way to learn. Tools ranging from money personality profilers to simple-to-use budgets and much in between can help with learning how to manage money while actually doing it. Sorted.org.nz has web-based tools that enable you to write a budget and more. There are multiple mobile apps for tracking expenses, setting budgets and saving money. New Zealand-based apps such as PocketSmith are very good. Some overseas ones such as Spendee and Fudget work here. Spendee, like PocketSmith, can download your bank transactions automatically. MyBudgetPal from Booster also does that. It is New Zealand-based and free. But at the time of writing, Booster was working on fixing tech problems.
Books
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They’re old tech, but books are still popular with young people. Bookshops are seeing a revival in this demographic. My colleague Frances Cook’s books Tales From A Financial Mess and the more recent Your Money, Your Future are good places to start. Frances made mistakes young and had to teach herself about money. She understands what digging yourself out of a financial hole looks like. The Barefoot Investor by Australian Scott Pape has a huge following among younger people. Another international book focused very much on coming of age in personal finance is Why Didn’t They Teach Me This in School? by Cary Siegel. It teaches eight important money lessons. The other book I should mention is The Sharesies Guide to Investing by Brooke and Leighton Roberts and Sonya Williams. The only reason I hesitate is that it’s important to learn to “walk”, i.e. grasp basic financial tasks, before “running”, which I define as investing beyond KiwiSaver.
Financial simulations and games
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Gamification is a great way to learn. Both Sortedinschools.org.nz and Banqer offer personal finance games. If you are interested in learning about investing, then trading games, simulators and demo accounts are helpful. They allow you to lose virtual money rather than the real stuff. Investopedia and MarketWatch offer virtual portfolios that follow the actual markets, so you can watch what would have happened if you had been investing your own money instead of virtual funds. If you must dive in, then you can tinker on sites such as Sharesies with a few dollars at a time. But please don’t assume you’re going to be better at this than the experts. Sooner or later, markets fall and new investors get burned.
Finally, young people learn by making mistakes. The tools above can help, but sometimes getting it wrong is the only thing that gets through. I know it’s hard, but try not to save them when they do something dumb like spending their rent on UberEats. Or if they’ve crashed the car, make sure they pay off every last cent of that $1000 insurance excess. No matter how long it takes them. Hopefully, they won’t do that again.
Spoil the TV connoisseur in your life with a subscription to NZ’s most popular entertainment magazine. The TV Guide contains TV listings, entertainment, gossip, competitions, puzzles, and more!
This Father’s Day, gift a 1-year subscription to The TV Guide and save $57 off RRP - 52 issues … View moreSpoil the TV connoisseur in your life with a subscription to NZ’s most popular entertainment magazine. The TV Guide contains TV listings, entertainment, gossip, competitions, puzzles, and more!
This Father’s Day, gift a 1-year subscription to The TV Guide and save $57 off RRP - 52 issues delivered weekly straight to their home. Offer available until 2 September 2023.
The team at The TV Guide.
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Please view the flyer below. Although the fantastic course has commenced, we are still accepting late enrolments.
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Growth Maintenance service property managers, investors and … View moreUSE GROWTH MAINTENANCE FOR:
- Any tree, hedge or garden issue.
- First class service and results.
- Smooth communication and reliability.
- Consistent competitive pricing.
- Property peace of mind.
- Programmed maintenance.
Growth Maintenance service property managers, investors and private home owners throughout the greater Auckland region.
Get in touch today for expert advice and a free quote. Send an enquiry email to service@growthmaintenance.nz or give us a call on 09 281 0120.
Next few months, it will be crucial to keep close eye on your mortgage. It is expected that significant number of fixed rate mortgages are due to expire.
Homeowners in New Zealand would be looking at fixing at higher interest rates once their existing fixed term expires.
We are here to … View moreNext few months, it will be crucial to keep close eye on your mortgage. It is expected that significant number of fixed rate mortgages are due to expire.
Homeowners in New Zealand would be looking at fixing at higher interest rates once their existing fixed term expires.
We are here to help; as mortgage adviser, can assist with:
✅ paying off mortgage faster to save interest cost
✅ review your fixed term option
✅ discuss about preferred mortgage repayment to keep you going whilst meeting your day-to-day outgoings.
✅ mortgage restructuring
With high inflation, sky rocketing cost to maintain household expenses, you could focus on sustainable mortgage repayments to keep you and your family in secured financial situation.
Consult with us to learn more:
📲 0210749825
💻info@skfg.co.nz
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Hi there,
We're on the lookout for the most beautiful spots in New Zealand, and would love to hear your favourites.
While it will be impossible to include all of them in one article, we'd appreciate your help in narrowing it down. What do you think are most beautiful places in … View moreHi there,
We're on the lookout for the most beautiful spots in New Zealand, and would love to hear your favourites.
While it will be impossible to include all of them in one article, we'd appreciate your help in narrowing it down. What do you think are most beautiful places in NZ's regions? Do you have a favourite spot in the Waikato, Taranaki, Canterbury, Southland or elsewhere?
Feel free to comment below, send me a message or email me at lorna.thornber@stuff.co.nz. Please include 'NFP' in your comment if you do not want it or your name included in an article. Thanks in advance for taking the time to share.
USE GROWTH MAINTENANCE FOR:
- Any tree, hedge or garden issue.
- First class service and results.
- Smooth communication and reliability.
- Consistent competitive pricing.
- Property peace of mind.
- Programmed maintenance.
Growth Maintenance service property managers, investors and … View moreUSE GROWTH MAINTENANCE FOR:
- Any tree, hedge or garden issue.
- First class service and results.
- Smooth communication and reliability.
- Consistent competitive pricing.
- Property peace of mind.
- Programmed maintenance.
Growth Maintenance service property managers, investors and private home owners throughout the greater Auckland region.
Get in touch today for expert advice and a free quote. Send an enquiry email to service@growthmaintenance.nz or give us a call on 09 281 0120.
With online being the main mode of communication these days, it's no wonder that there has been a worldwide mail decline and here in Aotearoa, NZ Post has needed to lay off 750 full-time staff. Do you think it's time to say goodbye to the trusty letterbox?
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