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One of the greatest myths of wealth creation is that being as frugal as possible is the key to riches and a happy life. There are countless articles written about how to save money and become wealthy by recycling materials, making your own household cleaners, growing your own vegetables, upcycling furniture and so on.

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Baby boomers should by now be well aware that as they move towards and through retirement, they will place huge pressure on NZ Superannuation.

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It wasn’t so long ago that most people had an expectation of retiring completely from the work force the day they became eligible for NZ Superannuation.

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Whether you are running a business or managing the household finances, cash flow is critical. The difference between cash coming in and cash going out in any given period of time is the net cash flow. If it is positive, your cash balances will increase and if it is negative, your cash balances will decrease.

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Kiwis are being urged to “Think, Shrink, Grow’ by the Commission for Financial Literacy and Retirement Income in their campaign to improve our money habits.

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For first year tertiary students, one of the most daunting challenges is how to get financial assistance without being burdened with a lifetime of debt. A student loan is inevitable for most students. Student loans are available for compulsory course fees, course related costs and living costs, subject to eligibility criteria. There is no interest charged if you are based in New Zealand and if you make the required repayments on time once you are earning above the income threshold.

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Getting yourself on the path to financial freedom is not just about getting your money sorted; it is about sorting your life as well.

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The principles of wealth creation haven’t changed since money was first invented. Some of the most insightful and inspirational books were written decades ago yet they are still relevant today. One of the most enduring classics is The Richest Man in Babylon by George S Clason, first published in 1926 and more recently published by Penguin.

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One of the best investments you can make in life is to invest in yourself. Being physically and mentally in good shape makes you happier and improves your chances of financial success. Think of the personal attributes of the most financially successful people you know.

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Last week we looked at the first four steps you need to take if you want financial freedom; something that most Kiwis aspire to. They were: (1) Spend less than you earn; (2) Join a subsidised superannuation scheme;

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Living from payday to payday is nobody’s idea of an ideal life. What most Kiwis aspire to is to have a comfortable life free of financial stress. There are eight simple steps that will help take you on your way to financial freedom and here are the first four:

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Holidays can very often prompt a desire for life changes ranging from a commitment to changing bad habits to major changes such as a career change, geographic relocation or change in relationship status. No doubt these changes stem from the opportunities holidays give to reflect on life and happiness.

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There are only three things you can do with your money; you can spend it, save it or invest it. While everyone spends money, only a few manage to save and even fewer invest, other than through KiwiSaver.

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Nowadays, it seems the lavish wedding is back in vogue and young couples find themselves with the challenge of putting on a wedding that matches or outshines the expectations of their peers but without going broke.

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Say you are planning the trip of a lifetime to an exotic location, just you and your partner. You start getting excited once you have made the decision to go and the …

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Every Christmas it’s the same story for many families; not enough money to go around, overspending and an aftermath of too much debt, stress and depression.

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One of the traps of borrowing money in a low interest rate environment is not leaving enough spare money, or ‘wriggle room’ in your budget to cope with an increase in interest rates. This is particularly important to consider when you are buying your first home, upgrading to a more expensive home, or increasing your mortgage to pay for a new car or overseas holiday.

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Every so often, we may experience a sudden change in our life, either planned or unplanned. Eva Bennett has just published a handy guide, written very clearly and succinctly, to help you deal with the three biggest changes: relationships, redundancy and retirement

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