The Happy Saver Podcast - Personal Finance in New Zealand

By: Ruth - Personal Finance Blogger
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  • Summary

  • Your friends might not want to talk about money, but I do! Hi, I’m Ruth and I’m a blogger on Personal Finance and in this podcast I tell the stories of Kiwis and their experiences with the money in their lives. How do they use it or how does it use them? Where do they save and invest it and does it work? What are their financial triumphs and financial train wrecks? How can you extract the most out of life and spend as little as possible while doing it? Join me as I ask the questions everyone else is too polite to ask but is dying to know about New Zealanders and their money. Happy Saving! Ruth
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Episodes
  • 95. On the Verge of Lasting Change. Hopefully.

    95. On the Verge of Lasting Change. Hopefully.
    Sep 4 2024
    When I received an email from a guy called John saying that he and his wife Betty have gone from being terrible with money and trying (unsuccessfully) to grow wealth via debt to completely changing their mentality to one of getting away from debt, even going so far as to head to the mines in Australia to clean up the consumer debt mess they had created, they had my attention. Today, I want to share the story of a 38 and 39-year-old married couple with two primary school-aged kids who are on the crest of a knowledge wave when it comes to money. Month by month, they are reassessing everything they thought to be true about money and now are tackling their biggest remaining debt head-on, their $480,000 mortgage.
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    1 hr and 8 mins
  • 94. Continuous Improvement

    94. Continuous Improvement
    Aug 14 2024
    Ruby stumbled across The Happy Saver in October of 2022, prompting her to email me with a couple of questions. She’d recently signed up with Sharesies and was testing the waters by investing $20 a week, and had a few questions about where to start. Plus, she had a question about her KiwiSaver. While at home with two young tamariki, she had just realised that even when she was not in the paid workforce, she could voluntarily contribute money into her account, which she immediately started doing. Taking a moment to think about investing made her start digging around for more information about her money. From then on, her thirst for financial literacy grew, and she began to search for information that could teach her to be better with her pūtea. A year went by, and I heard from her again. She went into more detail, which led to me asking her to be on my podcast today. She is now 34, and her husband Tim is 38. They live in rural Canterbury with their two preschool children. I think their journey is typical of a lot of Kiwis, and what I particularly like is that they continue to adjust their financial course as new information comes to light.
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    50 mins
  • Part 6: INVESTING

    Part 6: INVESTING
    Jul 24 2024
    Congratulations, you have made it to the final episode of this series of six: INVESTING. Investing can be incredibly complex, but I found a way to simplify it. I used to feel overwhelmed by the options available, but now I don't. I’m hoping to help you feel the same way. But still, this is one of the most challenging podcasts I have EVER written. Condensing “investing” into a single episode is no easy feat. The Happy Saver was born out of my search for information about what I could invest our money in. It took me years to arrive at our current strategy, which combines KiwiSaver and ETF investments. I don’t want you to take so long to settle on your own strategy. I’m no different to you when I say, “I wish I knew then what I know now”. We had some margin in our budget, and I was looking for something to make us money. I started by asking my bank's opinion and followed a trail of crumbs of information from there. Ultimately, I finally found good information, which I want to share today.
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    34 mins
Economics Personal Finance
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