MONEY JOURNEYS - EPISODE 85 What's In This Episode?I’ve been corresponding with Kiri for about five years now. Those back-and-forth email conversations eventually led to me picking up the phone and chatting in person for the first time, and back in September of 2021, I released that episode: 60. First Home Buyers, where I detailed the rollercoaster that Kiri and her husband John had been on with their money and their life. That episode was all about the lead-up to buying a home. Today’s episode is what happened after that; it’s much less house focussed, much more life-focused, but it’s safe to say that the rollercoaster continues. THIS WEEKS SPONSOR: This weeks episode is brought to you by PocketSmith.   SUBSCRIBE to The Happy Saver Podcastwherever you listen to podcasts and never miss an episode.Apple Podcasts - Spotify - Google Podcasts - Castbox

<h1>MONEY JOURNEYS - EPISODE 85</h1> <h3><strong>What's In This Episode?</strong></h3><p>I’ve been corresponding with Kiri for about five years now. Those back-and-forth email conversations eventually led to me picking up the phone and chatting in person for the first time, and back in September of 2021, I released that episode: 60. First Home Buyers, where I detailed the rollercoaster that Kiri and her husband John had been on with their money and their life. That episode was all about the lead-up to buying a home. Today’s episode is what happened after that; it’s much less house focussed, much more life-focused, but it’s safe to say that the rollercoaster continues.</p> <p><strong>THIS WEEKS SPONSOR: </strong>This weeks episode is brought to you by <a href="https://pocketsmith.com/thehappysaver" rel="nofollow" target="_blank">PocketSmith</a>.</p> <a href="https://pocketsmith.com/thehappysaver" rel="nofollow" target="_blank"> </a> <p><strong>SUBSCRIBE</strong> to The Happy Saver Podcast<br/>wherever you listen to podcasts and never miss an episode.<br/><a href="https://itunes.apple.com/nz/podcast/the-happy-saver-podcast/id1297734152" rel="nofollow" target="_blank">Apple Podcasts</a> - <a href="https://open.spotify.com/show/6bdJFBKf3lg3CudD78NH2X" rel="nofollow" target="_blank">Spotify</a> - <a href="https://podcasts.google.com/feed/aHR0cHM6Ly93d3cudGhlaGFwcHlzYXZlci5jb20vcG9kY2FzdD9mb3JtYXQ9cnNz" rel="nofollow" target="_blank">Google Podcasts</a> - <a href="https://castbox.fm/channel/The-Happy-Saver-Podcast-Personal-Finance-in-New-Zealand-id1088688" rel="nofollow" target="_blank">Castbox</a></p>

85. Revisit with Kiri: The Rollercoaster Continues

MONEY JOURNEYS - EPISODE 84 What's In This Episode?Today, I have the pleasure of sharing the story behind how Tony and his wife Karen came to create a net worth of $2.8 million and retire aged 49 and 54, respectively. Now that I have your attention, you might also be interested to know that they own one home and have a large retirement fund which they built from always investing a portion of their take-home pay, about 10%, from their 20+ year careers in the New Zealand Police. Despite their success, there are still many unknowns as they try to work out how to structure their money to support them during their long and adventurous retirement. This episode shows how steady saving in a retirement scheme can build a substantial nest egg. I think it will be particularly useful to those interested in retiring one day, which, by my reckoning, is everyone! THIS WEEKS SPONSOR: This weeks episode is brought to you by PocketSmith.   SUBSCRIBE to The Happy Saver Podcastwherever you listen to podcasts and never miss an episode.Apple Podcasts - Spotify - Google Podcasts - Castbox

<h1>MONEY JOURNEYS - EPISODE 84</h1> <h3><strong>What's In This Episode?</strong></h3><p>Today, I have the pleasure of sharing the story behind how Tony and his wife Karen came to create a net worth of $2.8 million and retire aged 49 and 54, respectively. Now that I have your attention, you might also be interested to know that they own one home and have a large retirement fund which they built from always investing a portion of their take-home pay, about 10%, from their 20+ year careers in the New Zealand Police. Despite their success, there are still many unknowns as they try to work out how to structure their money to support them during their long and adventurous retirement. This episode shows how steady saving in a retirement scheme can build a substantial nest egg. I think it will be particularly useful to those interested in retiring one day, which, by my reckoning, is everyone!</p> <p><strong>THIS WEEKS SPONSOR: </strong>This weeks episode is brought to you by <a href="https://pocketsmith.com/thehappysaver" rel="nofollow" target="_blank">PocketSmith</a>.</p> <a href="https://pocketsmith.com/thehappysaver" rel="nofollow" target="_blank"> </a> <p><strong>SUBSCRIBE</strong> to The Happy Saver Podcast<br/>wherever you listen to podcasts and never miss an episode.<br/><a href="https://itunes.apple.com/nz/podcast/the-happy-saver-podcast/id1297734152" rel="nofollow" target="_blank">Apple Podcasts</a> - <a href="https://open.spotify.com/show/6bdJFBKf3lg3CudD78NH2X" rel="nofollow" target="_blank">Spotify</a> - <a href="https://podcasts.google.com/feed/aHR0cHM6Ly93d3cudGhlaGFwcHlzYXZlci5jb20vcG9kY2FzdD9mb3JtYXQ9cnNz" rel="nofollow" target="_blank">Google Podcasts</a> - <a href="https://castbox.fm/channel/The-Happy-Saver-Podcast-Personal-Finance-in-New-Zealand-id1088688" rel="nofollow" target="_blank">Castbox</a></p>

84. Early Retirement: But still working stuff out.

MONEY JOURNEYS - EPISODE 83 What's In This Episode?Lucy, Steve and their two teenage children openly talk about money in their family. It comes from them trying to make sense of their complicated financial upbringing and then joining their financial lives together at 19. When they were young, they made many decisions because their backs were against the wall, and they now know they want their children to head out into the world more prepared than they were. While I understand that failure is a good teacher, I just don’t see why you would willingly set your kids up to fail with money when it is far easier to do as this couple is doing and instead just teach your kids some basics from the get-go. THIS WEEKS SPONSOR: This weeks episode is brought to you by PocketSmith.   SUBSCRIBE to The Happy Saver Podcastwherever you listen to podcasts and never miss an episode.Apple Podcasts - Spotify - Google Podcasts - Castbox

<h1>MONEY JOURNEYS - EPISODE 83</h1> <h3><strong>What's In This Episode?</strong></h3><p>Lucy, Steve and their two teenage children openly talk about money in their family. It comes from them trying to make sense of their complicated financial upbringing and then joining their financial lives together at 19. When they were young, they made many decisions because their backs were against the wall, and they now know they want their children to head out into the world more prepared than they were. While I understand that failure is a good teacher, I just don’t see why you would willingly set your kids up to fail with money when it is far easier to do as this couple is doing and instead just teach your kids some basics from the get-go.</p> <p><strong>THIS WEEKS SPONSOR: </strong>This weeks episode is brought to you by <a href="https://pocketsmith.com/thehappysaver" rel="nofollow" target="_blank">PocketSmith</a>.</p> <a href="https://pocketsmith.com/thehappysaver" rel="nofollow" target="_blank"> </a> <p><strong>SUBSCRIBE</strong> to The Happy Saver Podcast<br/>wherever you listen to podcasts and never miss an episode.<br/><a href="https://itunes.apple.com/nz/podcast/the-happy-saver-podcast/id1297734152" rel="nofollow" target="_blank">Apple Podcasts</a> - <a href="https://open.spotify.com/show/6bdJFBKf3lg3CudD78NH2X" rel="nofollow" target="_blank">Spotify</a> - <a href="https://podcasts.google.com/feed/aHR0cHM6Ly93d3cudGhlaGFwcHlzYXZlci5jb20vcG9kY2FzdD9mb3JtYXQ9cnNz" rel="nofollow" target="_blank">Google Podcasts</a> - <a href="https://castbox.fm/channel/The-Happy-Saver-Podcast-Personal-Finance-in-New-Zealand-id1088688" rel="nofollow" target="_blank">Castbox</a></p>

83. Iron Fisted Lucy

MONEY JOURNEYS - EPISODE 82 What's In This Episode?In this episode, we hear from Jess, a single 52-year-old woman who reached out to me in early 2022 when she sent me a lovely email telling me she had been using my blog and podcast, plus The Barefoot Investor, to learn more about money to help her keep on track with some long-term money goals. After paying off her credit card debt, Jess was working on building up her emergency fund, but beyond that, she struggled to see how she could ever afford a home of her own. In a subsequent email, Jess expressed feeling left out while reading my Millionaire Questionnaire responses, as they mainly featured coupled-up, double-income people who appeared to own property. So, when I got an email telling me she had just signed up to buy a home of her own, you bet I wanted to know how she went from a house being out of her league to owning one. THIS WEEKS SPONSOR: This weeks episode is brought to you by PocketSmith.   SUBSCRIBE to The Happy Saver Podcastwherever you listen to podcasts and never miss an episode.Apple Podcasts - Spotify - Google Podcasts - Castbox

<h1>MONEY JOURNEYS - EPISODE 82</h1> <h3><strong>What's In This Episode?</strong></h3><p>In this episode, we hear from Jess, a single 52-year-old woman who reached out to me in early 2022 when she sent me a lovely email telling me she had been using my blog and podcast, plus The Barefoot Investor, to learn more about money to help her keep on track with some long-term money goals. After paying off her credit card debt, Jess was working on building up her emergency fund, but beyond that, she struggled to see how she could ever afford a home of her own. In a subsequent email, Jess expressed feeling left out while reading my Millionaire Questionnaire responses, as they mainly featured coupled-up, double-income people who appeared to own property. So, when I got an email telling me she had just signed up to buy a home of her own, you bet I wanted to know how she went from a house being out of her league to owning one.</p> <p><strong>THIS WEEKS SPONSOR: </strong>This weeks episode is brought to you by <a href="https://pocketsmith.com/thehappysaver" rel="nofollow" target="_blank">PocketSmith</a>.</p> <a href="https://pocketsmith.com/thehappysaver" rel="nofollow" target="_blank"> </a> <p><strong>SUBSCRIBE</strong> to The Happy Saver Podcast<br/>wherever you listen to podcasts and never miss an episode.<br/><a href="https://itunes.apple.com/nz/podcast/the-happy-saver-podcast/id1297734152" rel="nofollow" target="_blank">Apple Podcasts</a> - <a href="https://open.spotify.com/show/6bdJFBKf3lg3CudD78NH2X" rel="nofollow" target="_blank">Spotify</a> - <a href="https://podcasts.google.com/feed/aHR0cHM6Ly93d3cudGhlaGFwcHlzYXZlci5jb20vcG9kY2FzdD9mb3JtYXQ9cnNz" rel="nofollow" target="_blank">Google Podcasts</a> - <a href="https://castbox.fm/channel/The-Happy-Saver-Podcast-Personal-Finance-in-New-Zealand-id1088688" rel="nofollow" target="_blank">Castbox</a></p>

82. From Paycheque to Paycheque to Home Sweet Home

MONEY JOURNEYS - EPISODE 81 What's In This Episode?I met 29-year-old Dylan when he heard my call out for younger people to get in touch and share their stories with money. Through luck and good timing, aged just 21, he found himself buying his first property, an empty section, and then one thing led to another; he stumbled upon a cracking good deal, paying just $18,000 for a second section. This sounds impossible, and stories such as this need a deeper dive. As a sound bite, it's a good one, but I know that there is a lot that goes on behind the scenes that is never explained. Well, today I will explain, sharing not only how he purchased property but the numbers behind it, the lucky breaks he has had and the fact that since he learned about FIRE, he is now diversifying by investing in KiwiSaver and ETF share investments. Plus, he advocates good financial management to both whānau and friends. And now that he is joining his life with the love of his life, this late 20-year-old is on an excellent trajectory for a great financial future. THIS WEEKS SPONSOR: This weeks episode is brought to you by PocketSmith.   SUBSCRIBE to The Happy Saver Podcastwherever you listen to podcasts and never miss an episode.Apple Podcasts - Spotify - Google Podcasts - Castbox

<h1>MONEY JOURNEYS - EPISODE 81</h1> <h3><strong>What's In This Episode?</strong></h3><p>I met 29-year-old Dylan when he heard my call out for younger people to get in touch and share their stories with money. Through luck and good timing, aged just 21, he found himself buying his first property, an empty section, and then one thing led to another; he stumbled upon a cracking good deal, paying just $18,000 for a second section. This sounds impossible, and stories such as this need a deeper dive. As a sound bite, it's a good one, but I know that there is a lot that goes on behind the scenes that is never explained. Well, today I will explain, sharing not only how he purchased property but the numbers behind it, the lucky breaks he has had and the fact that since he learned about FIRE, he is now diversifying by investing in KiwiSaver and ETF share investments. Plus, he advocates good financial management to both whānau and friends. And now that he is joining his life with the love of his life, this late 20-year-old is on an excellent trajectory for a great financial future.</p> <p><strong>THIS WEEKS SPONSOR: </strong>This weeks episode is brought to you by <a href="https://pocketsmith.com/thehappysaver" rel="nofollow" target="_blank">PocketSmith</a>.</p> <a href="https://pocketsmith.com/thehappysaver" rel="nofollow" target="_blank"> </a> <p><strong>SUBSCRIBE</strong> to The Happy Saver Podcast<br/>wherever you listen to podcasts and never miss an episode.<br/><a href="https://itunes.apple.com/nz/podcast/the-happy-saver-podcast/id1297734152" rel="nofollow" target="_blank">Apple Podcasts</a> - <a href="https://open.spotify.com/show/6bdJFBKf3lg3CudD78NH2X" rel="nofollow" target="_blank">Spotify</a> - <a href="https://podcasts.google.com/feed/aHR0cHM6Ly93d3cudGhlaGFwcHlzYXZlci5jb20vcG9kY2FzdD9mb3JtYXQ9cnNz" rel="nofollow" target="_blank">Google Podcasts</a> - <a href="https://castbox.fm/channel/The-Happy-Saver-Podcast-Personal-Finance-in-New-Zealand-id1088688" rel="nofollow" target="_blank">Castbox</a></p>

81. Turning good opportunities into reality!

MONEY JOURNEYS - EPISODE 80 What's In This Episode?In this week's episode, I wanted to revisit an earlier episode with an update on Nathan from episode 71, and introduce a new guest, Sam, a 16-year-old Year 12 student who is starting a financial journey similar to Nathan's and already demonstrates a forward-thinking mindset towards his financial well-being. He recognises that financial stability is vital to achieving his goals. Nathan and Sam's experiences provide a valuable opportunity to educate young people about the importance of financial literacy and equip them with the tools they need to make wise financial decisions. THIS WEEKS SPONSOR: This weeks episode is brought to you by PocketSmith.   SUBSCRIBE to The Happy Saver Podcastwherever you listen to podcasts and never miss an episode.Apple Podcasts - Spotify - Google Podcasts - Castbox

<h1>MONEY JOURNEYS - EPISODE 80</h1> <h3><strong>What's In This Episode?</strong></h3><p>In this week's episode, I wanted to revisit an earlier episode with an update on Nathan from episode 71, and introduce a new guest, Sam, a 16-year-old Year 12 student who is starting a financial journey similar to Nathan's and already demonstrates a forward-thinking mindset towards his financial well-being. He recognises that financial stability is vital to achieving his goals. Nathan and Sam's experiences provide a valuable opportunity to educate young people about the importance of financial literacy and equip them with the tools they need to make wise financial decisions.</p> <p><strong>THIS WEEKS SPONSOR: </strong>This weeks episode is brought to you by <a href="https://pocketsmith.com/thehappysaver" rel="nofollow" target="_blank">PocketSmith</a>.</p> <a href="https://pocketsmith.com/thehappysaver" rel="nofollow" target="_blank"> </a> <p><strong>SUBSCRIBE</strong> to The Happy Saver Podcast<br/>wherever you listen to podcasts and never miss an episode.<br/><a href="https://itunes.apple.com/nz/podcast/the-happy-saver-podcast/id1297734152" rel="nofollow" target="_blank">Apple Podcasts</a> - <a href="https://open.spotify.com/show/6bdJFBKf3lg3CudD78NH2X" rel="nofollow" target="_blank">Spotify</a> - <a href="https://podcasts.google.com/feed/aHR0cHM6Ly93d3cudGhlaGFwcHlzYXZlci5jb20vcG9kY2FzdD9mb3JtYXQ9cnNz" rel="nofollow" target="_blank">Google Podcasts</a> - <a href="https://castbox.fm/channel/The-Happy-Saver-Podcast-Personal-Finance-in-New-Zealand-id1088688" rel="nofollow" target="_blank">Castbox</a></p>

80. Young, Bright, and Financially Wise

MONEY JOURNEYS - EPISODE 79 What's In This Episode?I’m looking forward to telling you all about 37-year-old Tui. She described herself as someone who has worked hard to get her financial house in order, and in the last three years in particular, she has made great progress. She had spent her teens and twenties gathering life experiences by living and working overseas, getting an education, beginning a career and buying a home with a friend. But more recently, she has increased her understanding of personal finance, and when she added that new knowledge to her situation, she has moved ahead, now with her partner Marcus, in leaps and bounds. Amid a pandemic, they bought the house from her friend and changed careers, and I know you want to learn how that has all worked out for them! Spoiler alert: really well! THIS WEEKS SPONSOR: This weeks episode is brought to you by PocketSmith.   SUBSCRIBE to The Happy Saver Podcastwherever you listen to podcasts and never miss an episode.Apple Podcasts - Spotify - Google Podcasts - Castbox

<h1>MONEY JOURNEYS - EPISODE 79</h1> <h3><strong>What's In This Episode?</strong></h3><p>I’m looking forward to telling you all about 37-year-old Tui. She described herself as someone who has worked hard to get her financial house in order, and in the last three years in particular, she has made great progress. She had spent her teens and twenties gathering life experiences by living and working overseas, getting an education, beginning a career and buying a home with a friend. But more recently, she has increased her understanding of personal finance, and when she added that new knowledge to her situation, she has moved ahead, now with her partner Marcus, in leaps and bounds. Amid a pandemic, they bought the house from her friend and changed careers, and I know you want to learn how that has all worked out for them! Spoiler alert: really well!</p> <p><strong>THIS WEEKS SPONSOR: </strong>This weeks episode is brought to you by <a href="https://pocketsmith.com/thehappysaver" rel="nofollow" target="_blank">PocketSmith</a>.</p> <a href="https://pocketsmith.com/thehappysaver" rel="nofollow" target="_blank"> </a> <p><strong>SUBSCRIBE</strong> to The Happy Saver Podcast<br/>wherever you listen to podcasts and never miss an episode.<br/><a href="https://itunes.apple.com/nz/podcast/the-happy-saver-podcast/id1297734152" rel="nofollow" target="_blank">Apple Podcasts</a> - <a href="https://open.spotify.com/show/6bdJFBKf3lg3CudD78NH2X" rel="nofollow" target="_blank">Spotify</a> - <a href="https://podcasts.google.com/feed/aHR0cHM6Ly93d3cudGhlaGFwcHlzYXZlci5jb20vcG9kY2FzdD9mb3JtYXQ9cnNz" rel="nofollow" target="_blank">Google Podcasts</a> - <a href="https://castbox.fm/channel/The-Happy-Saver-Podcast-Personal-Finance-in-New-Zealand-id1088688" rel="nofollow" target="_blank">Castbox</a></p>

79. I'll drink to that!

MONEY JOURNEYS - EPISODE 78 What's In This Episode?Nic described herself as a 42-year-old professional who sometimes has to pinch herself at the job she has. It’s a tough demanding role in a field she loves that pays really well. A mum to two tamariki and a partner to the world's most laid-back, carefree non-money-driven man. Her money journey started slowly, full of bad decisions, good luck, and some great times. Now she finds herself in the very fortunate position of earning an above average income, which up until recently, she spent. More recently, she has realised she is in a position to do things with her money that will have a lasting impact. New information on how to handle money better has made her cringe at past decisions. Nic has come a long way, but the journey is not over yet, but she has a plan now, something she never had before. She has her WHY and the HOW defined. She now just requires the discipline, focus and drive to pull it all off! THIS WEEKS SPONSOR: This weeks episode is brought to you by PocketSmith.   SUBSCRIBE to The Happy Saver Podcastwherever you listen to podcasts and never miss an episode.Apple Podcasts - Spotify - Google Podcasts - Castbox

<h1>MONEY JOURNEYS - EPISODE 78</h1> <h3><strong>What's In This Episode?</strong></h3><p>Nic described herself as a 42-year-old professional who sometimes has to pinch herself at the job she has. It’s a tough demanding role in a field she loves that pays really well. A mum to two tamariki and a partner to the world's most laid-back, carefree non-money-driven man. Her money journey started slowly, full of bad decisions, good luck, and some great times. Now she finds herself in the very fortunate position of earning an above average income, which up until recently, she spent. More recently, she has realised she is in a position to do things with her money that will have a lasting impact. New information on how to handle money better has made her cringe at past decisions. Nic has come a long way, but the journey is not over yet, but she has a plan now, something she never had before. She has her WHY and the HOW defined. She now just requires the discipline, focus and drive to pull it all off!</p> <p><strong>THIS WEEKS SPONSOR: </strong>This weeks episode is brought to you by <a href="https://pocketsmith.com/thehappysaver" rel="nofollow" target="_blank">PocketSmith</a>.</p> <a href="https://pocketsmith.com/thehappysaver" rel="nofollow" target="_blank"> </a> <p><strong>SUBSCRIBE</strong> to The Happy Saver Podcast<br/>wherever you listen to podcasts and never miss an episode.<br/><a href="https://itunes.apple.com/nz/podcast/the-happy-saver-podcast/id1297734152" rel="nofollow" target="_blank">Apple Podcasts</a> - <a href="https://open.spotify.com/show/6bdJFBKf3lg3CudD78NH2X" rel="nofollow" target="_blank">Spotify</a> - <a href="https://podcasts.google.com/feed/aHR0cHM6Ly93d3cudGhlaGFwcHlzYXZlci5jb20vcG9kY2FzdD9mb3JtYXQ9cnNz" rel="nofollow" target="_blank">Google Podcasts</a> - <a href="https://castbox.fm/channel/The-Happy-Saver-Podcast-Personal-Finance-in-New-Zealand-id1088688" rel="nofollow" target="_blank">Castbox</a></p>

78. In the process of making a Financial U-turn!

MONEY JOURNEYS - EPISODE 77 What's In This Episode?When Rachel told me that she had very recently moved from a super consumer to thinking instead that saving was the new shopping, I knew the story of this single, city-dwelling, dependent-free, self-employed 54-year-old was one worth sharing. Covid was to be the tipping point for Rachel. Realising that when her income stream dried up, she was in trouble financially. Today I’m going to tell you how she managed to stop living pay cheque to pay cheque and managed to catch a break instead. THIS WEEKS SPONSOR: This weeks episode is brought to you by PocketSmith.   SUBSCRIBE to The Happy Saver Podcastwherever you listen to podcasts and never miss an episode.Apple Podcasts - Spotify - Google Podcasts - Castbox

<h1>MONEY JOURNEYS - EPISODE 77</h1> <h3><strong>What's In This Episode?</strong></h3><p>When Rachel told me that she had very recently moved from a super consumer to thinking instead that saving was the new shopping, I knew the story of this single, city-dwelling, dependent-free, self-employed 54-year-old was one worth sharing. Covid was to be the tipping point for Rachel. Realising that when her income stream dried up, she was in trouble financially. Today I’m going to tell you how she managed to stop living pay cheque to pay cheque and managed to catch a break instead.</p> <p><strong>THIS WEEKS SPONSOR: </strong>This weeks episode is brought to you by <a href="https://pocketsmith.com/thehappysaver" rel="nofollow" target="_blank">PocketSmith</a>.</p> <a href="https://frstre.com/go/?a=76574-6442a9&amp;p_program.id=the-happy-saver&amp;s=388340-ec9a73" rel="nofollow" target="_blank"> </a> <p><strong>SUBSCRIBE</strong> to The Happy Saver Podcast<br/>wherever you listen to podcasts and never miss an episode.<br/><a href="https://itunes.apple.com/nz/podcast/the-happy-saver-podcast/id1297734152" rel="nofollow" target="_blank">Apple Podcasts</a> - <a href="https://open.spotify.com/show/6bdJFBKf3lg3CudD78NH2X" rel="nofollow" target="_blank">Spotify</a> - <a href="https://podcasts.google.com/feed/aHR0cHM6Ly93d3cudGhlaGFwcHlzYXZlci5jb20vcG9kY2FzdD9mb3JtYXQ9cnNz" rel="nofollow" target="_blank">Google Podcasts</a> - <a href="https://castbox.fm/channel/The-Happy-Saver-Podcast-Personal-Finance-in-New-Zealand-id1088688" rel="nofollow" target="_blank">Castbox</a></p>

77. Saving is the new shopping!

MONEY JOURNEYS - EPISODE 76 What's In This Episode?This week I’m sharing the financial life of Ngaio and Ben, a Coromandel couple in their early 30s. They struck a chord with me because I love seeing examples of life enjoyed a little bit differently to most, in their case, choosing to build and live in a tiny home, work part-time, take mini-retirements and do a lot of adventures, which often include a bike. They are rare due to the fact that they have more invested in the share market than they do in housing, which lets them lead a more balanced life. They are an adventurous couple who will give you food for thought.Episode Transcript THIS WEEKS SPONSOR: This weeks episode is brought to you by PocketSmith.   SUBSCRIBE to The Happy Saver Podcastwherever you listen to podcasts and never miss an episode.Apple Podcasts - Spotify - Google Podcasts - Castbox

<h1>MONEY JOURNEYS - EPISODE 76</h1> <h3><strong>What's In This Episode?</strong></h3><p>This week I’m sharing the financial life of Ngaio and Ben, a Coromandel couple in their early 30s. They struck a chord with me because I love seeing examples of life enjoyed a little bit differently to most, in their case, choosing to build and live in a tiny home, work part-time, take mini-retirements and do a lot of adventures, which often include a bike. They are rare due to the fact that they have more invested in the share market than they do in housing, which lets them lead a more balanced life. They are an adventurous couple who will give you food for thought.</p><p><a href="https://www.thehappysaver.com/transcripts/76" rel="nofollow" target="_blank">Episode Transcript</a></p> <p><strong>THIS WEEKS SPONSOR: </strong>This weeks episode is brought to you by <a href="https://frstre.com/go/?a=76574-6442a9&amp;p_program.id=the-happy-saver&amp;s=388340-ec9a73" rel="nofollow" target="_blank">PocketSmith</a>.</p> <a href="https://frstre.com/go/?a=76574-6442a9&amp;p_program.id=the-happy-saver&amp;s=388340-ec9a73" rel="nofollow" target="_blank"> </a> <p><strong>SUBSCRIBE</strong> to The Happy Saver Podcast<br/>wherever you listen to podcasts and never miss an episode.<br/><a href="https://itunes.apple.com/nz/podcast/the-happy-saver-podcast/id1297734152" rel="nofollow" target="_blank">Apple Podcasts</a> - <a href="https://open.spotify.com/show/6bdJFBKf3lg3CudD78NH2X" rel="nofollow" target="_blank">Spotify</a> - <a href="https://podcasts.google.com/feed/aHR0cHM6Ly93d3cudGhlaGFwcHlzYXZlci5jb20vcG9kY2FzdD9mb3JtYXQ9cnNz" rel="nofollow" target="_blank">Google Podcasts</a> - <a href="https://castbox.fm/channel/The-Happy-Saver-Podcast-Personal-Finance-in-New-Zealand-id1088688" rel="nofollow" target="_blank">Castbox</a></p>

76. Part-time work. Full-time life.

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

<p>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</p>

The Happy Saver Podcast - Personal Finance in New Zealand

MONEY JOURNEYS - EPISODE 39 What's In This Episode?Becky described herself as a spender at heart who has to constantly battle against the desire to just spend, spend, spend. The spiral began with interest free debt in her first year of university and continued on from there. Today she has decided to stop turning to debt to finance the things she and her family want, but it’s still a struggle and it still has the ability to occasionally trip her up. But there is hope for spenders like her and while still a work in progress, she has come a very long way in a short space of time and has paid off old debt and said no to any more. This is how a ‘natural spender’ gets her money under control. THIS WEEKS SPONSOR: This weeks episode is brought to you by Hatch.   SUBSCRIBE to The Happy Saver Podcastwherever you listen to podcasts and never miss an episode.Apple Podcasts - Spotify - Castbox

<h1>MONEY JOURNEYS - EPISODE 39</h1> <h3><strong>What's In This Episode?</strong></h3><p>Becky described herself as a spender at heart who has to constantly battle against the desire to just spend, spend, spend. The spiral began with interest free debt in her first year of university and continued on from there. Today she has decided to stop turning to debt to finance the things she and her family want, but it’s still a struggle and it still has the ability to occasionally trip her up. But there is hope for spenders like her and while still a work in progress, she has come a very long way in a short space of time and has paid off old debt and said no to any more. This is how a ‘natural spender’ gets her money under control.</p> <p><strong>THIS WEEKS SPONSOR: </strong>This weeks episode is brought to you by <a href="https://www.hatch.as/thehappysaver" rel="nofollow" target="_blank">Hatch</a>.</p> <a href="http://www.hatch.as/thehappysaverstartinvesting" rel="nofollow" target="_blank"> </a> <p><strong>SUBSCRIBE</strong> to The Happy Saver Podcast<br/>wherever you listen to podcasts and never miss an episode.<br/><a href="https://itunes.apple.com/nz/podcast/the-happy-saver-podcast/id1297734152" rel="nofollow" target="_blank">Apple Podcasts</a> - <a href="https://open.spotify.com/show/6bdJFBKf3lg3CudD78NH2X" rel="nofollow" target="_blank">Spotify</a> - <a href="https://castbox.fm/channel/The-Happy-Saver-Podcast-Personal-Finance-in-New-Zealand-id1088688" rel="nofollow" target="_blank">Castbox</a></p>

39. Battling the desire to just spend, spend, spend!

Calm

MONEY JOURNEYS - EPISODE 6 What's In This Episode?I met Victoria via my blog when we began to chat by email. So when I knew I wanted to create a podcast and wanted to interview a woman who gives her financial situation careful consideration, she was high up on my list. This is a snapshot of a calm and calculated Kiwi woman having a go and succeeding at setting her own financial path.   SUBSCRIBE to The Happy Saver Podcastwherever you listen to podcasts and never miss an episode.Apple Podcasts - Spotify - Castbox

<h1>MONEY JOURNEYS - EPISODE 6</h1> <h3><strong>What's In This Episode?</strong></h3><p>I met Victoria via my blog when we began to chat by email. So when I knew I wanted to create a podcast and wanted to interview a woman who gives her financial situation careful consideration, she was high up on my list. This is a snapshot of a calm and calculated Kiwi woman having a go and succeeding at setting her own financial path.</p> <a href="https://www.thehappysaver.com/sharesies" rel="nofollow" target="_blank"> </a> <p><strong>SUBSCRIBE</strong> to The Happy Saver Podcast<br/>wherever you listen to podcasts and never miss an episode.<br/><a href="https://itunes.apple.com/nz/podcast/the-happy-saver-podcast/id1297734152" rel="nofollow" target="_blank">Apple Podcasts</a> - <a href="https://open.spotify.com/show/6bdJFBKf3lg3CudD78NH2X" rel="nofollow" target="_blank">Spotify</a> - <a href="https://castbox.fm/channel/The-Happy-Saver-Podcast-Personal-Finance-in-New-Zealand-id1088688" rel="nofollow" target="_blank">Castbox</a></p>

06. A Calm and Calculated Investor

MONEY JOURNEYS - EPISODE 30 What's In This Episode?Ryan is a 23 year old Australian who started trading penny stocks at 16, worked pretty much full time while he was at university and has now begun his professional career in finance. He invests in all sorts of things, just to see what happens and if he fails, he adds that experience to his learning and just keeps moving forward, undeterred and full of energy for the next phase. LINKSPodcastChooseFIBooksRich Dad Poor Dad - Robert T. KiyosakiThe Simple Path to Wealth - JL CollinsThe Barefoot Investor - Scott PapeAudio BookThe Little Book of Common Sense Investing - John C. BogleYouTubeTwo Cents THIS WEEKS SPONSOR: This weeks episode is brought to you by PocketSmith.   SUBSCRIBE to The Happy Saver Podcastwherever you listen to podcasts and never miss an episode.Apple Podcasts - Spotify - Castbox

<h1>MONEY JOURNEYS - EPISODE 30</h1> <h3><strong>What's In This Episode?</strong></h3><p>Ryan is a 23 year old Australian who started trading penny stocks at 16, worked pretty much full time while he was at university and has now begun his professional career in finance. He invests in all sorts of things, just to see what happens and if he fails, he adds that experience to his learning and just keeps moving forward, undeterred and full of energy for the next phase.</p> <h3><strong>LINKS</strong></h3><p><strong>Podcast<br/></strong><a href="https://www.choosefi.com/podcast-episodes/" rel="nofollow" target="_blank">ChooseFI</a></p><p><strong>Books<br/></strong><a href="http://tidd.ly/a454cf33" rel="nofollow" target="_blank">Rich Dad Poor Dad</a> - Robert T. Kiyosaki<br/><a href="http://tidd.ly/316d76fd" rel="nofollow" target="_blank">The Simple Path to Wealth</a> - JL Collins<br/><a href="http://tidd.ly/4ec3ffaf" rel="nofollow" target="_blank">The Barefoot Investor</a> - Scott Pape</p><p><strong>Audio Book<br/></strong><a href="https://books.apple.com/nz/audiobook/little-book-common-sense-investing-only-way-to-guarantee/id1321018147?at=1010lRWa&amp;mt=11" rel="nofollow" target="_blank">The Little Book of Common Sense Investing</a> - John C. Bogle</p><p><strong>YouTube<br/></strong><a href="https://www.youtube.com/channel/UCL8w_A8p8P1HWI3k6PR5Z6w" rel="nofollow" target="_blank">Two Cents</a></p> <p><strong>THIS WEEKS SPONSOR: </strong>This weeks episode is brought to you by <a href="https://frstre.com/go/?a=76574-6442a9&amp;p_program.id=the-happy-saver&amp;s=388340-ec9a73" rel="nofollow" target="_blank">PocketSmith</a>.</p> <a href="https://frstre.com/go/?a=76574-6442a9&amp;p_program.id=the-happy-saver&amp;s=388340-ec9a73" rel="nofollow" target="_blank"> </a> <p><strong>SUBSCRIBE</strong> to The Happy Saver Podcast<br/>wherever you listen to podcasts and never miss an episode.<br/><a href="https://itunes.apple.com/nz/podcast/the-happy-saver-podcast/id1297734152" rel="nofollow" target="_blank">Apple Podcasts</a> - <a href="https://open.spotify.com/show/6bdJFBKf3lg3CudD78NH2X" rel="nofollow" target="_blank">Spotify</a> - <a href="https://castbox.fm/channel/The-Happy-Saver-Podcast-Personal-Finance-in-New-Zealand-id1088688" rel="nofollow" target="_blank">Castbox</a></p>

30. Young investor tries it all from penny stocks to margin lending.

MONEY JOURNEYS - EPISODE 26 What's In This Episode?I’m going to tell you about a fabulous 42 year old woman I know, called Kate. We met via my blog when she reached out to me and that is when I knew that she had an interesting money journey to tell. What you pay attention to gets done and Kate worked this out from an early age so when she set her sights on moving to New Zealand, establishing a career, buying a house, paying it off and retiring before 50 there is little that will keep her from achieving her goals. LINKSBlogs and Websiteswww.thehappysaver.comwww.mrmoneymustache.comwww.frugalwoods.comwww.askamanager.orgPodcastwww.guiltyfeminist.comBooksGet Rich Slow: How to Grow Your Wealth the Safe and Savvy Way - Mary Holm THIS WEEKS SPONSOR: This weeks episode is brought to you by PocketSmith.   SUBSCRIBE to The Happy Saver Podcastwherever you listen to podcasts and never miss an episode.Apple Podcasts - Spotify - Castbox

<h1>MONEY JOURNEYS - EPISODE 26</h1> <h3><strong>What's In This Episode?</strong></h3><p>I’m going to tell you about a fabulous 42 year old woman I know, called Kate. We met via my blog when she reached out to me and that is when I knew that she had an interesting money journey to tell. What you pay attention to gets done and Kate worked this out from an early age so when she set her sights on moving to New Zealand, establishing a career, buying a house, paying it off and retiring before 50 there is little that will keep her from achieving her goals.</p> <h3><strong>LINKS</strong></h3><p><strong>Blogs and Websites<br/></strong><a href="http://www.thehappysaver.com" rel="nofollow" target="_blank">www.thehappysaver.com</a><br/><a href="http://www.mrmoneymustache.com/" rel="nofollow" target="_blank">www.mrmoneymustache.com</a><br/><a href="https://www.frugalwoods.com/" rel="nofollow" target="_blank">www.frugalwoods.com</a><br/><a href="https://www.askamanager.org/" rel="nofollow" target="_blank">www.askamanager.org</a></p><p><strong>Podcast</strong><br/><a href="http://guiltyfeminist.com/episodes/" rel="nofollow" target="_blank">www.guiltyfeminist.com</a></p><p><strong>Books</strong><br/><a href="http://tidd.ly/49499b2d" rel="nofollow" target="_blank">Get Rich Slow: How to Grow Your Wealth the Safe and Savvy Way</a> - Mary Holm</p> <p><strong>THIS WEEKS SPONSOR: </strong>This weeks episode is brought to you by <a href="https://frstre.com/go/?a=76574-6442a9&amp;p_program.id=the-happy-saver&amp;s=388340-ec9a73" rel="nofollow" target="_blank">PocketSmith</a>.</p> <a href="https://frstre.com/go/?a=76574-6442a9&amp;p_program.id=the-happy-saver&amp;s=388340-ec9a73" rel="nofollow" target="_blank"> </a> <p><strong>SUBSCRIBE</strong> to The Happy Saver Podcast<br/>wherever you listen to podcasts and never miss an episode.<br/><a href="https://itunes.apple.com/nz/podcast/the-happy-saver-podcast/id1297734152" rel="nofollow" target="_blank">Apple Podcasts</a> - <a href="https://open.spotify.com/show/6bdJFBKf3lg3CudD78NH2X" rel="nofollow" target="_blank">Spotify</a> - <a href="https://castbox.fm/channel/The-Happy-Saver-Podcast-Personal-Finance-in-New-Zealand-id1088688" rel="nofollow" target="_blank">Castbox</a></p>

26. Single Income is No Barrier to Becoming Financially Independent

MONEY JOURNEYS - EPISODE 22 What's In This Episode?Today I am telling the story of Simon, a guy I’ve actually spoken to a number of times, but everything I thought and assumed about him turned out not to be 100% correct. With a finance related masters degree I thought he would have graphs for Africa. But no, although he knows where he is at financially, much more importantly he knows what kind of life he wants to live today and into the future. LINKSSuperLife 80 FundInvestNowSimplicity KiwiSaver Growth FundBOOKA Random Walk Down Wall Street: The Time-Tested Strategy for Successful Investing - Burton G. Malkiel THIS WEEKS SPONSOR: This weeks episode is brought to you by SUPERLIFE KiwiSaver,a Member of the NZX Group: www.superlife.co.nz   SUBSCRIBE to The Happy Saver Podcastwherever you listen to podcasts and never miss an episode.Apple Podcasts - Spotify - Castbox

<h1>MONEY JOURNEYS - EPISODE 22</h1> <h3><strong>What's In This Episode?</strong></h3><p>Today I am telling the story of Simon, a guy I’ve actually spoken to a number of times, but everything I thought and assumed about him turned out not to be 100% correct. With a finance related masters degree I thought he would have graphs for Africa. But no, although he knows where he is at financially, much more importantly he knows what kind of life he wants to live today and into the future.</p> <h3><strong>LINKS</strong></h3><p><a href="https://www.superlife.co.nz/investment/managed-funds/superlife-80?tab=superlife-invest" rel="nofollow" target="_blank">SuperLife 80 Fund</a></p><p><a href="https://investnow.co.nz/" rel="nofollow" target="_blank">InvestNow</a></p><p><a href="https://www.simplicity.kiwi/our-funds/" rel="nofollow" target="_blank">Simplicity KiwiSaver Growth Fund</a></p><h3><strong>BOOK</strong></h3><p><a href="http://tidd.ly/72ee5f2a" rel="nofollow" target="_blank">A Random Walk Down Wall Street: The Time-Tested Strategy for Successful Investing</a> - Burton G. Malkiel</p> <p><strong>THIS WEEKS SPONSOR: </strong>This weeks episode is brought to you by SUPERLIFE KiwiSaver,<br/>a Member of the NZX Group: <a href="https://www.superlife.co.nz/kiwisaver-home/about-kiwisaver" rel="nofollow" target="_blank">www.superlife.co.nz</a></p> <a href="https://www.superlife.co.nz/kiwisaver-home/about-kiwisaver" rel="nofollow" target="_blank"> </a> <p><strong>SUBSCRIBE</strong> to The Happy Saver Podcast<br/>wherever you listen to podcasts and never miss an episode.<br/><a href="https://itunes.apple.com/nz/podcast/the-happy-saver-podcast/id1297734152" rel="nofollow" target="_blank">Apple Podcasts</a> - <a href="https://open.spotify.com/show/6bdJFBKf3lg3CudD78NH2X" rel="nofollow" target="_blank">Spotify</a> - <a href="https://castbox.fm/channel/The-Happy-Saver-Podcast-Personal-Finance-in-New-Zealand-id1088688" rel="nofollow" target="_blank">Castbox</a></p>

22. Simon Says... Live the life you want today.

MONEY JOURNEYS - EPISODE 4 What's In This Episode?On this episode of the Happy Saver Podcast I talk with Rachel and David who are a New Zealand success story. When quite young they stumbled upon buying rental properties, in Auckland no less, and over time they bought a few more while working their day jobs. But it was their day job that enabled them to pay off their mortgages and today they go into detail about how they did it. LINKSwww.vacationstogo.comwww.sit.ac.nz - Southern Institute of Technology has many free coursesThe 4-Hour Work Week - Tim FerrisDolf de Roos   SUBSCRIBE to The Happy Saver Podcastwherever you listen to podcasts and never miss an episode.Apple Podcasts - Spotify - Castbox

<h1>MONEY JOURNEYS - EPISODE 4</h1> <h3><strong>What's In This Episode?</strong></h3><p>On this episode of the Happy Saver Podcast I talk with Rachel and David who are a New Zealand success story. When quite young they stumbled upon buying rental properties, in Auckland no less, and over time they bought a few more while working their day jobs. But it was their day job that enabled them to pay off their mortgages and today they go into detail about how they did it.</p> <h3><strong>LINKS</strong></h3><p><a href="http://www.vacationstogo.com" rel="nofollow" target="_blank">www.vacationstogo.com</a></p><p><a href="http://www.sit.ac.nz" rel="nofollow" target="_blank">www.sit.ac.nz</a> - Southern Institute of Technology has many free courses</p><p><a href="https://fourhourworkweek.com/" rel="nofollow" target="_blank">The 4-Hour Work Week</a> - Tim Ferris</p><p><a href="https://dolfderoos.com/" rel="nofollow" target="_blank">Dolf de Roos</a></p> <a href="https://www.thehappysaver.com/sharesies" rel="nofollow" target="_blank"> </a> <p><strong>SUBSCRIBE</strong> to The Happy Saver Podcast<br/>wherever you listen to podcasts and never miss an episode.<br/><a href="https://itunes.apple.com/nz/podcast/the-happy-saver-podcast/id1297734152" rel="nofollow" target="_blank">Apple Podcasts</a> - <a href="https://open.spotify.com/show/6bdJFBKf3lg3CudD78NH2X" rel="nofollow" target="_blank">Spotify</a> - <a href="https://castbox.fm/channel/The-Happy-Saver-Podcast-Personal-Finance-in-New-Zealand-id1088688" rel="nofollow" target="_blank">Castbox</a></p>

04. Reaching Residential Rental Property Nirvana!

MONEY JOURNEYS - EPISODE 2 What's In This Episode?This week I’m excited to tell you about Ryan Johnson, a fellow blogger on personal finance in New Zealand. He had a very interesting start to his working career as it involved a pack of 52 playing cards. He is self taught when it comes to investing and is putting careful thought into exactly where to invest his savings and he openly shares that with me today. With student loans now paid off he has bucked the home ownership trend for now and has chosen to rent rather than buy a home. Month by month he is building a strong financial footing and he has learned a tonne about investing along the way. LINKSYou can find Ryan's blog 'Money For Young Kiwis' at: www.ryanjohnson.co.nzThe Barefoot Investor - Scott Pape: www.barefootinvestor.com (Your local library will have this book or get it from Book Depository)I Will Teach You To Be Rich - Rammet Sethi: www.iwillteachyoutoberich.com The two SmartShares funds he mentioned are: NZ Top 50 (FNZ) and US 500 (USF)Simplicity Growth Fund: www.simplicity.kiwi   SUBSCRIBE to The Happy Saver Podcastwherever you listen to podcasts and never miss an episode.Apple Podcasts - Spotify - Castbox

<h1>MONEY JOURNEYS - EPISODE 2</h1> <h3><strong>What's In This Episode?</strong></h3><p>This week I’m excited to tell you about Ryan Johnson, a fellow blogger on personal finance in New Zealand. He had a very interesting start to his working career as it involved a pack of 52 playing cards. He is self taught when it comes to investing and is putting careful thought into exactly where to invest his savings and he openly shares that with me today. With student loans now paid off he has bucked the home ownership trend for now and has chosen to rent rather than buy a home. Month by month he is building a strong financial footing and he has learned a tonne about investing along the way.</p> <h3><strong>LINKS</strong></h3><p>You can find Ryan's blog 'Money For Young Kiwis' at: <a href="http://www.ryanjohnson.co.nz" rel="nofollow" target="_blank">www.ryanjohnson.co.nz</a></p><p>The Barefoot Investor - Scott Pape: <a href="http://www.barefootinvestor.com" rel="nofollow" target="_blank">www.barefootinvestor.com</a> (Your local library will have this book or get it from <a href="http://tidd.ly/4ec3ffaf" rel="nofollow" target="_blank">Book Depository</a>)</p><p>I Will Teach You To Be Rich - Rammet Sethi: <a href="http://www.iwillteachyoutoberich.com" rel="nofollow" target="_blank">www.iwillteachyoutoberich.com </a></p><p>The two SmartShares funds he mentioned are: <a href="http://smartshares.co.nz/types-of-funds/smartlarge/fnz" rel="nofollow" target="_blank">NZ Top 50 (FNZ)</a> and <a href="http://smartshares.co.nz/types-of-funds/smartlarge/us-500" rel="nofollow" target="_blank">US 500 (USF)</a></p><p>Simplicity Growth Fund: <a href="https://simplicity.kiwi/our-funds/" rel="nofollow" target="_blank">www.simplicity.kiwi</a></p> <a href="https://www.thehappysaver.com/sharesies" rel="nofollow" target="_blank"> </a> <p><strong>SUBSCRIBE</strong> to The Happy Saver Podcast<br/>wherever you listen to podcasts and never miss an episode.<br/><a href="https://itunes.apple.com/nz/podcast/the-happy-saver-podcast/id1297734152" rel="nofollow" target="_blank">Apple Podcasts</a> - <a href="https://open.spotify.com/show/6bdJFBKf3lg3CudD78NH2X" rel="nofollow" target="_blank">Spotify</a> - <a href="https://castbox.fm/channel/The-Happy-Saver-Podcast-Personal-Finance-in-New-Zealand-id1088688" rel="nofollow" target="_blank">Castbox</a></p>

02. You've got to know when to hold 'em...

MONEY JOURNEYS - EPISODE 42 What's In This Episode?In this final podcast of this series, I’m doing a recap of two people that I’ve spoken with earlier. Firstly there was Bret from episode #20, a guy who had gone from being a super consumer to someone who is finally, much to the relief of his partner Shelley, in control of money. And secondly, I spoke with Lucas from episode #28 who last time we met was staring down the barrel of a $1.2 million dollar mortgage. Both of these couples have come an extremely long way in a very short space of time and I think that hearing from them will help many people who are currently finding themselves in tough situations of their own. THIS WEEKS SPONSOR: This weeks episode is brought to you by Hatch.   SUBSCRIBE to The Happy Saver Podcastwherever you listen to podcasts and never miss an episode.Apple Podcasts - Spotify - Castbox

<h1>MONEY JOURNEYS - EPISODE 42</h1> <h3><strong>What's In This Episode?</strong></h3><p>In this final podcast of this series, I’m doing a recap of two people that I’ve spoken with earlier. Firstly there was Bret from episode #20, a guy who had gone from being a super consumer to someone who is finally, much to the relief of his partner Shelley, in control of money. And secondly, I spoke with Lucas from episode #28 who last time we met was staring down the barrel of a $1.2 million dollar mortgage. Both of these couples have come an extremely long way in a very short space of time and I think that hearing from them will help many people who are currently finding themselves in tough situations of their own.</p> <p><strong>THIS WEEKS SPONSOR: </strong>This weeks episode is brought to you by <a href="https://www.hatch.as/thehappysaver" rel="nofollow" target="_blank">Hatch</a>.</p> <a href="http://www.hatch.as/thehappysaverstartinvesting" rel="nofollow" target="_blank"> </a> <p><strong>SUBSCRIBE</strong> to The Happy Saver Podcast<br/>wherever you listen to podcasts and never miss an episode.<br/><a href="https://itunes.apple.com/nz/podcast/the-happy-saver-podcast/id1297734152" rel="nofollow" target="_blank">Apple Podcasts</a> - <a href="https://open.spotify.com/show/6bdJFBKf3lg3CudD78NH2X" rel="nofollow" target="_blank">Spotify</a> - <a href="https://castbox.fm/channel/The-Happy-Saver-Podcast-Personal-Finance-in-New-Zealand-id1088688" rel="nofollow" target="_blank">Castbox</a></p>

42. Coming a long way in a short space of time.

MONEY JOURNEYS - EPISODE 40 What's In This Episode?This week I’m going to share the story of Linda, a woman in her early 50’s who has had a huge shift in mindset over the last ten months. Linda’s journey with money had just been trundling along year in year out for, oh I don’t know, about 52 years! But in July 2019 there was to be a bit of a change in direction when she started to question the status quo and wondered if not paying her house off until she was in her mid 70’s was the best idea after all? THIS WEEKS SPONSOR: This weeks episode is brought to you by Hatch.   SUBSCRIBE to The Happy Saver Podcastwherever you listen to podcasts and never miss an episode.Apple Podcasts - Spotify - Castbox

<h1>MONEY JOURNEYS - EPISODE 40</h1> <h3><strong>What's In This Episode?</strong></h3><p>This week I’m going to share the story of Linda, a woman in her early 50’s who has had a huge shift in mindset over the last ten months. Linda’s journey with money had just been trundling along year in year out for, oh I don’t know, about 52 years! But in July 2019 there was to be a bit of a change in direction when she started to question the status quo and wondered if not paying her house off until she was in her mid 70’s was the best idea after all?</p> <p><strong>THIS WEEKS SPONSOR: </strong>This weeks episode is brought to you by <a href="https://www.hatch.as/thehappysaver" rel="nofollow" target="_blank">Hatch</a>.</p> <a href="http://www.hatch.as/thehappysaverstartinvesting" rel="nofollow" target="_blank"> </a> <p><strong>SUBSCRIBE</strong> to The Happy Saver Podcast<br/>wherever you listen to podcasts and never miss an episode.<br/><a href="https://itunes.apple.com/nz/podcast/the-happy-saver-podcast/id1297734152" rel="nofollow" target="_blank">Apple Podcasts</a> - <a href="https://open.spotify.com/show/6bdJFBKf3lg3CudD78NH2X" rel="nofollow" target="_blank">Spotify</a> - <a href="https://castbox.fm/channel/The-Happy-Saver-Podcast-Personal-Finance-in-New-Zealand-id1088688" rel="nofollow" target="_blank">Castbox</a></p>

40. It's never too late to change.

MONEY JOURNEYS - EPISODE 12 What's In This Episode?Welcome to the last podcast of this series of twelve. I thought to round out the series I would let you know a bit more about me as you may have been thinking “who is this person who keeps on banging on about Personal Finance in New Zealand?” and I also thought that I might make this one a quick one, but realising how much I like to talk, it probably won’t be! LINKSWebsites:I use www.smartshares.co.nz to purchase Index Funds.My KiwiSaver is through www.simplicity.kiwiwww.sharesight.com is where I track my share portfolio.I used www.morrisandwatson.co.nz to purchase gold.Podcasts:www.affordanything.com - Build A Better Life with Paula PantBe Wealthy &amp; Smart - Linda P. Joneswww.choosefi.com - Experiments in Financial IndependenceCooking The BooksDeath, Sex &amp; Money - with Anna Salewww.madfientist.com - The Science of Financial IndependenceMartinis and Your MoneyPlanet MoneySide Hustle School - Chris GuillebeauSo Money - with Farnoosh TorabiClark HowardThe Dave Ramsey ShowBook:A great book is by Scott Pape: The Barefoot Investor   SUBSCRIBE to The Happy Saver Podcastwherever you listen to podcasts and never miss an episode.Apple Podcasts - Spotify - Castbox

<h1>MONEY JOURNEYS - EPISODE 12</h1> <h3><strong>What's In This Episode?</strong></h3><p>Welcome to the last podcast of this series of twelve. I thought to round out the series I would let you know a bit more about me as you may have been thinking “who is this person who keeps on banging on about Personal Finance in New Zealand?” and I also thought that I might make this one a quick one, but realising how much I like to talk, it probably won’t be!</p> <h3><strong>LINKS</strong></h3><p><strong>Websites:</strong></p><p>I use <a href="http://www.smartshares.co.nz" rel="nofollow" target="_blank">www.smartshares.co.nz</a> to purchase Index Funds.</p><p>My KiwiSaver is through <a href="http://www.simplicity.kiwi" rel="nofollow" target="_blank">www.simplicity.kiwi</a></p><p><a href="https://www.sharesight.com/nz/" rel="nofollow" target="_blank">www.sharesight.com</a> is where I track my share portfolio.</p><p>I used <a href="http://www.morrisandwatson.co.nz" rel="nofollow" target="_blank">www.morrisandwatson.co.nz</a> to purchase gold.</p><p><strong>Podcasts:</strong></p><p><a href="http://podcast.affordanything.com/" rel="nofollow" target="_blank">www.affordanything.com</a> - Build A Better Life with Paula Pant</p><p><a href="http://www.lindapjones.com/podcasts/" rel="nofollow" target="_blank">Be Wealthy &amp; Smart</a> - Linda P. Jones</p><p><a href="https://www.choosefi.com/" rel="nofollow" target="_blank">www.choosefi.com</a> - Experiments in Financial Independence</p><p><a href="http://www.newstalkzb.co.nz/on-demand/cooking-the-books/" rel="nofollow" target="_blank">Cooking The Books</a></p><p><a href="https://www.wnycstudios.org/shows/deathsexmoney" rel="nofollow" target="_blank">Death, Sex &amp; Money</a> - with Anna Sale</p><p><a href="https://www.madfientist.com/" rel="nofollow" target="_blank">www.madfientist.com</a> - The Science of Financial Independence</p><p><a href="http://financially-blonde.com/mmpodcast/" rel="nofollow" target="_blank">Martinis and Your Money</a></p><p><a href="https://www.npr.org/podcasts/510289/planet-money" rel="nofollow" target="_blank">Planet Money</a></p><p><a href="https://sidehustleschool.com/" rel="nofollow" target="_blank">Side Hustle School</a> - Chris Guillebeau</p><p><a href="http://farnoosh.tv/podcast/episodes/" rel="nofollow" target="_blank">So Money</a> - with Farnoosh Torabi</p><p><a href="https://clark.com/podcasts/" rel="nofollow" target="_blank">Clark Howard</a></p><p><a href="https://www.daveramsey.com/show/home" rel="nofollow" target="_blank">The Dave Ramsey Show</a></p><p><strong>Book:</strong></p><p>A great book is by Scott Pape: <a href="http://tidd.ly/4ec3ffaf" rel="nofollow" target="_blank">The Barefoot Investor</a></p> <a href="https://www.thehappysaver.com/sharesight" rel="nofollow" target="_blank"> </a> <p><strong>SUBSCRIBE</strong> to The Happy Saver Podcast<br/>wherever you listen to podcasts and never miss an episode.<br/><a href="https://itunes.apple.com/nz/podcast/the-happy-saver-podcast/id1297734152" rel="nofollow" target="_blank">Apple Podcasts</a> - <a href="https://open.spotify.com/show/6bdJFBKf3lg3CudD78NH2X" rel="nofollow" target="_blank">Spotify</a> - <a href="https://castbox.fm/channel/The-Happy-Saver-Podcast-Personal-Finance-in-New-Zealand-id1088688" rel="nofollow" target="_blank">Castbox</a></p>

12. It's All About Me

MONEY JOURNEYS - EPISODE 9 What's In This Episode?Jane loves buying individual shares in companies. She enjoys the research, the tracking of her investments and the sporadic hunt for the “next big thing”. Find out how this self taught investor fits share trading in around her busy family life. LINKSShopping for Shares : The Everyday Woman's Guide to Profiting From the Stock Market, Second Edition - Tracey Edwards: www.bookdepository.comTop Stocks - Martin Roth - Jane referred specifically to Top Stocks but he has a lot of books on investing to choose from: www.bookdepository.comASX (Australian Stock Exchange) - Their education section has a huge amount of resources so you can learn how to research, buy and sell shares: www.asx.com.auSharesies - Another great place to make a start on investing is with New Zealand company Sharesies: www.sharesies.nzwww.smartshares.co.nz   SUBSCRIBE to The Happy Saver Podcastwherever you listen to podcasts and never miss an episode.Apple Podcasts - Spotify - Castbox

<h1>MONEY JOURNEYS - EPISODE 9</h1> <h3><strong>What's In This Episode?</strong></h3><p>Jane loves buying individual shares in companies. She enjoys the research, the tracking of her investments and the sporadic hunt for the “next big thing”. Find out how this self taught investor fits share trading in around her busy family life.</p> <h3><strong>LINKS</strong></h3><p><strong>Shopping for Shares</strong> : The Everyday Woman's Guide to Profiting From the Stock Market, Second Edition - Tracey Edwards: <a href="http://tidd.ly/190a035a" rel="nofollow" target="_blank">www.bookdepository.com</a></p><p><strong>Top Stocks</strong> - Martin Roth - Jane referred specifically to Top Stocks but he has a lot of books on investing to choose from: <a href="http://tidd.ly/5b545766" rel="nofollow" target="_blank">www.bookdepository.com</a></p><p><strong>ASX (Australian Stock Exchange)</strong> - Their education section has a huge amount of resources so you can learn how to research, buy and sell shares: <a href="http://www.asx.com.au/education/shares-education.htm" rel="nofollow" target="_blank">www.asx.com.au</a></p><p><strong>Sharesies</strong> - Another great place to make a start on investing is with New Zealand company Sharesies: <a href="http://www.sharesies.nz" rel="nofollow" target="_blank">www.sharesies.nz</a></p><p><a href="http://www.smartshares.co.nz" rel="nofollow" target="_blank">www.smartshares.co.nz</a></p> <a href="https://www.thehappysaver.com/sharesight" rel="nofollow" target="_blank"> </a> <p><strong>SUBSCRIBE</strong> to The Happy Saver Podcast<br/>wherever you listen to podcasts and never miss an episode.<br/><a href="https://itunes.apple.com/nz/podcast/the-happy-saver-podcast/id1297734152" rel="nofollow" target="_blank">Apple Podcasts</a> - <a href="https://open.spotify.com/show/6bdJFBKf3lg3CudD78NH2X" rel="nofollow" target="_blank">Spotify</a> - <a href="https://castbox.fm/channel/The-Happy-Saver-Podcast-Personal-Finance-in-New-Zealand-id1088688" rel="nofollow" target="_blank">Castbox</a></p>

09. Self Taught Investor Loves Buying Individual Shares

MONEY JOURNEYS - EPISODE 13 What's In This Episode?Would you have the guts to move to another country? Well, Chris and Kazia did just that when they moved from the Philippines to New Zealand in 2010. It is an incredibly bold move but they have hit the ground running and Chris shared with me how his Filipino culture shaped his views on money but also how they are now merging those views with the Kiwi way of doing things. LINKSSide Hustle:Chris and Kazia have a side hustle selling succulents.You can check them out on Facebook: Sweet as SucculentsWebsites:Kiwi Mustachians Facebook Group: Search Kiwi Mustachians on Facebook and ask to join the group.www.thehappysaver.comBooks:The Four Hour Work Week by Tim FerrisThe Barefoot Investor by Scott PapeRich Dad Poor Dad by Robert T. Kiyosaki THIS WEEKS SPONSOR: This weeks episode is brought to you by SUPERLIFE KiwiSaver,a Member of the NZX Group: www.superlife.co.nz   SUBSCRIBE to The Happy Saver Podcastwherever you listen to podcasts and never miss an episode.Apple Podcasts - Spotify - Castbox

<h1>MONEY JOURNEYS - EPISODE 13</h1> <h3><strong>What's In This Episode?</strong></h3><p>Would you have the guts to move to another country? Well, Chris and Kazia did just that when they moved from the Philippines to New Zealand in 2010. It is an incredibly bold move but they have hit the ground running and Chris shared with me how his Filipino culture shaped his views on money but also how they are now merging those views with the Kiwi way of doing things.</p> <h3><strong>LINKS</strong></h3><p><strong>Side Hustle:</strong></p><p>Chris and Kazia have a side hustle selling succulents.<br/>You can check them out on Facebook: <a href="https://www.facebook.com/succulents.sweetas/" rel="nofollow" target="_blank">Sweet as Succulents</a></p><p><strong>Websites:</strong></p><p>Kiwi Mustachians Facebook Group: Search Kiwi Mustachians on Facebook and ask to join the group.</p><p><a href="http://www.thehappysaver.com" rel="nofollow" target="_blank">www.thehappysaver.com</a></p><p><strong>Books:</strong></p><p><a href="http://tidd.ly/3e65aa49" rel="nofollow" target="_blank">The Four Hour Work Week</a> by Tim Ferris</p><p><a href="http://tidd.ly/4ec3ffaf" rel="nofollow" target="_blank">The Barefoot Investor</a> by Scott Pape</p><p><a href="http://tidd.ly/a454cf33" rel="nofollow" target="_blank">Rich Dad Poor Dad</a> by Robert T. Kiyosaki</p> <p><strong>THIS WEEKS SPONSOR: </strong>This weeks episode is brought to you by SUPERLIFE KiwiSaver,<br/>a Member of the NZX Group: <a href="https://www.superlife.co.nz/kiwisaver-home/about-kiwisaver" rel="nofollow" target="_blank">www.superlife.co.nz</a></p> <a href="https://www.superlife.co.nz/kiwisaver-home/about-kiwisaver" rel="nofollow" target="_blank"> </a> <p><strong>SUBSCRIBE</strong> to The Happy Saver Podcast<br/>wherever you listen to podcasts and never miss an episode.<br/><a href="https://itunes.apple.com/nz/podcast/the-happy-saver-podcast/id1297734152" rel="nofollow" target="_blank">Apple Podcasts</a> - <a href="https://open.spotify.com/show/6bdJFBKf3lg3CudD78NH2X" rel="nofollow" target="_blank">Spotify</a> - <a href="https://castbox.fm/channel/The-Happy-Saver-Podcast-Personal-Finance-in-New-Zealand-id1088688" rel="nofollow" target="_blank">Castbox</a></p>

13. New Country New Life!

MONEY JOURNEYS - EPISODE 23 What's In This Episode?Three kids and an almost paid for house? It sounds like an impossible dream but I’m pleased to tell you it is a reality for this Wellington couple. But it has not happened by accident, it has taken planning and a lot of time to achieve it... LINKSBlogswww.mrmoneymustache.comwww.gocurrycracker.comPodcastwww.choosefi.comwww.freakonomics.comPlanet Moneywww.madfientist.comCooking the BooksBooksThe $100 Startup: Fire Your Boss, Do What You Love and Work Better To Live More - Chris GuillebeauThe 4-Hour Work Week : Escape the 9-5, Live Anywhere and Join the New Rich - Tim Ferriss THIS WEEKS SPONSOR: This weeks episode is brought to you by SUPERLIFE Invest,a Member of the NZX Group: www.superlife.co.nz   SUBSCRIBE to The Happy Saver Podcastwherever you listen to podcasts and never miss an episode.Apple Podcasts - Spotify - Castbox

<h1>MONEY JOURNEYS - EPISODE 23</h1> <h3><strong>What's In This Episode?</strong></h3><p>Three kids and an almost paid for house? It sounds like an impossible dream but I’m pleased to tell you it is a reality for this Wellington couple. But it has not happened by accident, it has taken planning and a lot of time to achieve it...</p> <h3><strong>LINKS</strong></h3><p><strong>Blogs</strong><br/><a href="http://www.mrmoneymustache.com" rel="nofollow" target="_blank">www.mrmoneymustache.com</a><br/><a href="http://www.gocurrycracker.com" rel="nofollow" target="_blank">www.gocurrycracker.com</a></p><p><strong>Podcast</strong><br/><a href="https://www.choosefi.com/" rel="nofollow" target="_blank">www.choosefi.com</a><br/><a href="http://freakonomics.com/" rel="nofollow" target="_blank">www.freakonomics.com</a><br/><a href="https://www.npr.org/sections/money/" rel="nofollow" target="_blank">Planet Money</a><br/><a href="https://www.madfientist.com/podcast/" rel="nofollow" target="_blank">www.madfientist.com</a><br/><a href="http://www.newstalkzb.co.nz/on-demand/cooking-the-books/" rel="nofollow" target="_blank">Cooking the Books</a></p><p><strong>Books</strong><br/><a href="http://tidd.ly/f31ff3d7" rel="nofollow" target="_blank">The $100 Startup: Fire Your Boss, Do What You Love and Work Better To Live More</a> - Chris Guillebeau<br/><a href="http://tidd.ly/3e65aa49" rel="nofollow" target="_blank">The 4-Hour Work Week : Escape the 9-5, Live Anywhere and Join the New Rich</a> - Tim Ferriss</p> <p><strong>THIS WEEKS SPONSOR: </strong>This weeks episode is brought to you by SUPERLIFE Invest,<br/>a Member of the NZX Group: <a href="https://www.superlife.co.nz/investment/all-funds-and-fees" rel="nofollow" target="_blank">www.superlife.co.nz</a></p> <a href="https://www.superlife.co.nz/investment/all-funds-and-fees" rel="nofollow" target="_blank"> </a> <p><strong>SUBSCRIBE</strong> to The Happy Saver Podcast<br/>wherever you listen to podcasts and never miss an episode.<br/><a href="https://itunes.apple.com/nz/podcast/the-happy-saver-podcast/id1297734152" rel="nofollow" target="_blank">Apple Podcasts</a> - <a href="https://open.spotify.com/show/6bdJFBKf3lg3CudD78NH2X" rel="nofollow" target="_blank">Spotify</a> - <a href="https://castbox.fm/channel/The-Happy-Saver-Podcast-Personal-Finance-in-New-Zealand-id1088688" rel="nofollow" target="_blank">Castbox</a></p>

23. Family Planning

MONEY JOURNEYS - EPISODE 5 What's In This Episode?If you thought that every teenager spends their days wagging school and walking around with their head down looking at the latest iPhone, then think again. Today we meet James who is finishing up his final year of school before heading on to University in 2018. He is no slouch and is involved in a huge variety of community groups, holds down a job, listens to his mother and is saving hard for the future.   SUBSCRIBE to The Happy Saver Podcastwherever you listen to podcasts and never miss an episode.Apple Podcasts - Spotify - Castbox

<h1>MONEY JOURNEYS - EPISODE 5</h1> <h3><strong>What's In This Episode?</strong></h3><p>If you thought that every teenager spends their days wagging school and walking around with their head down looking at the latest iPhone, then think again. Today we meet James who is finishing up his final year of school before heading on to University in 2018. He is no slouch and is involved in a huge variety of community groups, holds down a job, listens to his mother and is saving hard for the future.</p> <a href="https://www.thehappysaver.com/sharesies" rel="nofollow" target="_blank"> </a> <p><strong>SUBSCRIBE</strong> to The Happy Saver Podcast<br/>wherever you listen to podcasts and never miss an episode.<br/><a href="https://itunes.apple.com/nz/podcast/the-happy-saver-podcast/id1297734152" rel="nofollow" target="_blank">Apple Podcasts</a> - <a href="https://open.spotify.com/show/6bdJFBKf3lg3CudD78NH2X" rel="nofollow" target="_blank">Spotify</a> - <a href="https://castbox.fm/channel/The-Happy-Saver-Podcast-Personal-Finance-in-New-Zealand-id1088688" rel="nofollow" target="_blank">Castbox</a></p>

05. The Teenager Who's Ahead of the Game

MONEY JOURNEYS - EPISODE 15 What's In This Episode?If you want the good oil on how to invest well, track down a retired English and History teacher! If anyone is going to remember key points and dates about their life it is them. I was delighted to speak to Alan about his money journey and I’ve picked up a lot of tips on how to live not only a good financial life but how to cherish my personal relationships too. THIS WEEKS SPONSOR: This weeks episode is brought to you by SUPERLIFE myFutureFund,a Member of the NZX Group: www.superlife.co.nz   SUBSCRIBE to The Happy Saver Podcastwherever you listen to podcasts and never miss an episode.Apple Podcasts - Spotify - Castbox

<h1>MONEY JOURNEYS - EPISODE 15</h1> <h3><strong>What's In This Episode?</strong></h3><p>If you want the good oil on how to invest well, track down a retired English and History teacher! If anyone is going to remember key points and dates about their life it is them. I was delighted to speak to Alan about his money journey and I’ve picked up a lot of tips on how to live not only a good financial life but how to cherish my personal relationships too.</p> <p><strong>THIS WEEKS SPONSOR: </strong>This weeks episode is brought to you by SUPERLIFE myFutureFund,<br/>a Member of the NZX Group: <a href="https://www.superlife.co.nz/invest-for-children" rel="nofollow" target="_blank">www.superlife.co.nz</a></p> <a href="https://www.superlife.co.nz/invest-for-children" rel="nofollow" target="_blank"> </a> <p><strong>SUBSCRIBE</strong> to The Happy Saver Podcast<br/>wherever you listen to podcasts and never miss an episode.<br/><a href="https://itunes.apple.com/nz/podcast/the-happy-saver-podcast/id1297734152" rel="nofollow" target="_blank">Apple Podcasts</a> - <a href="https://open.spotify.com/show/6bdJFBKf3lg3CudD78NH2X" rel="nofollow" target="_blank">Spotify</a> - <a href="https://castbox.fm/channel/The-Happy-Saver-Podcast-Personal-Finance-in-New-Zealand-id1088688" rel="nofollow" target="_blank">Castbox</a></p>

15. A lesson on living a good financial life.

MONEY JOURNEYS - EPISODE 37 What's In This Episode?Often when I speak with people their one regret is that “they didn’t start saving and investing earlier”. Well today, you are going to hear about Nat and she DID manage to start investing early in life and the proof sure is in the pudding when at the age of just 36 she has an investment portfolio that she can be proud of. THIS WEEKS SPONSOR: This weeks episode is brought to you by Hatch.   SUBSCRIBE to The Happy Saver Podcastwherever you listen to podcasts and never miss an episode.Apple Podcasts - Spotify - Castbox

<h1>MONEY JOURNEYS - EPISODE 37</h1> <h3><strong>What's In This Episode?</strong></h3><p>Often when I speak with people their one regret is that “they didn’t start saving and investing earlier”. Well today, you are going to hear about Nat and she DID manage to start investing early in life and the proof sure is in the pudding when at the age of just 36 she has an investment portfolio that she can be proud of.</p> <p><strong>THIS WEEKS SPONSOR: </strong>This weeks episode is brought to you by <a href="https://www.hatch.as/thehappysaver" rel="nofollow" target="_blank">Hatch</a>.</p> <a href="http://www.hatch.as/thehappysaverstartinvesting" rel="nofollow" target="_blank"> </a> <p><strong>SUBSCRIBE</strong> to The Happy Saver Podcast<br/>wherever you listen to podcasts and never miss an episode.<br/><a href="https://itunes.apple.com/nz/podcast/the-happy-saver-podcast/id1297734152" rel="nofollow" target="_blank">Apple Podcasts</a> - <a href="https://open.spotify.com/show/6bdJFBKf3lg3CudD78NH2X" rel="nofollow" target="_blank">Spotify</a> - <a href="https://castbox.fm/channel/The-Happy-Saver-Podcast-Personal-Finance-in-New-Zealand-id1088688" rel="nofollow" target="_blank">Castbox</a></p>

37. This is what Starting Young Looks Like

MONEY JOURNEYS - EPISODE 33 What's In This Episode?What do you do when you become debt free for the very first time in your life? You email me to share your fabulous news of course! That is how I came to know Dale and Dean. They were ambling along just fine until Dean realised that soon he would be 50 and he became determined that he wanted to be debt free before his birthday. So, they got after it and in today’s podcast, I share how they did it. LINKSBooksEveryday Millionaires - Chris HoganThe Legacy Journey - Dave RamseyThe Barefoot Investor - Scott PapeRich Enough - Mary HolmBlogsJ L Collins- Why your house is a terrible investment- A Guided Meditation for When the Stock Market is DroppingPodcastsYour Money with Mary Holm THIS WEEKS SPONSOR: This weeks episode is brought to you by Hatch.   SUBSCRIBE to The Happy Saver Podcastwherever you listen to podcasts and never miss an episode.Apple Podcasts - Spotify - Castbox

<h1>MONEY JOURNEYS - EPISODE 33</h1> <h3><strong>What's In This Episode?</strong></h3><p>What do you do when you become debt free for the very first time in your life? You email me to share your fabulous news of course! That is how I came to know Dale and Dean. They were ambling along just fine until Dean realised that soon he would be 50 and he became determined that he wanted to be debt free before his birthday. So, they got after it and in today’s podcast, I share how they did it.</p> <h3><strong>LINKS</strong></h3><p><strong>Books</strong><br/><a href="http://tidd.ly/7cf18e11" rel="nofollow" target="_blank">Everyday Millionaires</a> - Chris Hogan<br/><a href="http://tidd.ly/db1b7c16" rel="nofollow" target="_blank">The Legacy Journey</a> - Dave Ramsey<br/><a href="http://tidd.ly/4ec3ffaf" rel="nofollow" target="_blank">The Barefoot Investor</a> - Scott Pape<br/><a href="https://www.mightyape.co.nz/product/rich-enough/28161603?r=3426609" rel="nofollow" target="_blank">Rich Enough</a> - Mary Holm</p><p><strong>Blogs</strong><br/>J L Collins<br/>- <a href="https://jlcollinsnh.com/2013/05/29/why-your-house-is-a-terrible-investment/" rel="nofollow" target="_blank">Why your house is a terrible investment</a><br/>- <a href="https://jlcollinsnh.com/2019/08/17/a-guided-meditation-for-when-the-stock-market-is-dropping/" rel="nofollow" target="_blank">A Guided Meditation for When the Stock Market is Dropping</a></p><p><strong>Podcasts<br/></strong><a href="https://www.rnz.co.nz/programmes/your-money" rel="nofollow" target="_blank">Your Money</a> with Mary Holm</p> <p><strong>THIS WEEKS SPONSOR: </strong>This weeks episode is brought to you by <a href="https://www.hatch.as/thehappysaver" rel="nofollow" target="_blank">Hatch</a>.</p> <a href="http://www.hatch.as/thehappysaver" rel="nofollow" target="_blank"> </a> <p><strong>SUBSCRIBE</strong> to The Happy Saver Podcast<br/>wherever you listen to podcasts and never miss an episode.<br/><a href="https://itunes.apple.com/nz/podcast/the-happy-saver-podcast/id1297734152" rel="nofollow" target="_blank">Apple Podcasts</a> - <a href="https://open.spotify.com/show/6bdJFBKf3lg3CudD78NH2X" rel="nofollow" target="_blank">Spotify</a> - <a href="https://castbox.fm/channel/The-Happy-Saver-Podcast-Personal-Finance-in-New-Zealand-id1088688" rel="nofollow" target="_blank">Castbox</a></p>

33. A Debt Free Birthday

MONEY JOURNEYS - EPISODE 25 What's In This Episode?This could have been a textbook case of “Investing 101”. Tom had the key components in there like: live on less than you make, invest in mutual funds and spend mindfully while living a great life into retirement and beyond. But he was investing through the 80s so investing in the stock market and buying a Porsche had to fit somewhere in the mix right? Tom’s story gives a fascinating look at the rocky ride of a share investor, a life well lived and a net worth that reflects that it all worked out OK in the end. THIS WEEKS SPONSOR: This weeks episode is brought to you by PocketSmith.   SUBSCRIBE to The Happy Saver Podcastwherever you listen to podcasts and never miss an episode.Apple Podcasts - Spotify - Castbox

<h1>MONEY JOURNEYS - EPISODE 25</h1> <h3><strong>What's In This Episode?</strong></h3><p>This could have been a textbook case of “Investing 101”. Tom had the key components in there like: live on less than you make, invest in mutual funds and spend mindfully while living a great life into retirement and beyond. But he was investing through the 80s so investing in the stock market and buying a Porsche had to fit somewhere in the mix right? Tom’s story gives a fascinating look at the rocky ride of a share investor, a life well lived and a net worth that reflects that it all worked out OK in the end.</p> <p><strong>THIS WEEKS SPONSOR: </strong>This weeks episode is brought to you by <a href="https://frstre.com/go/?a=76574-6442a9&amp;p_program.id=the-happy-saver&amp;s=388340-ec9a73" rel="nofollow" target="_blank">PocketSmith</a>.</p> <a href="https://frstre.com/go/?a=76574-6442a9&amp;p_program.id=the-happy-saver&amp;s=388340-ec9a73" rel="nofollow" target="_blank"> </a> <p><strong>SUBSCRIBE</strong> to The Happy Saver Podcast<br/>wherever you listen to podcasts and never miss an episode.<br/><a href="https://itunes.apple.com/nz/podcast/the-happy-saver-podcast/id1297734152" rel="nofollow" target="_blank">Apple Podcasts</a> - <a href="https://open.spotify.com/show/6bdJFBKf3lg3CudD78NH2X" rel="nofollow" target="_blank">Spotify</a> - <a href="https://castbox.fm/channel/The-Happy-Saver-Podcast-Personal-Finance-in-New-Zealand-id1088688" rel="nofollow" target="_blank">Castbox</a></p>

25. 1980s Yuppie Went Without to Invest Money from a Young Age

MONEY JOURNEYS - EPISODE 36 What's In This Episode?When I think of Mandy, the word that keeps coming to my mind is ‘determined’. She was living the good life right up until she wasn’t. We pick up her story at the point of her divorce when she had two young children, a small divorce settlement, a limited income and a burning desire to turn things around for the better. But how could she find her feet again? With determination, that’s how. LINKSWebsitewww.simplesavings.com.au THIS WEEKS SPONSOR: This weeks episode is brought to you by Hatch.   SUBSCRIBE to The Happy Saver Podcastwherever you listen to podcasts and never miss an episode.Apple Podcasts - Spotify - Castbox

<h1>MONEY JOURNEYS - EPISODE 36</h1> <h3><strong>What's In This Episode?</strong></h3><p>When I think of Mandy, the word that keeps coming to my mind is ‘determined’. She was living the good life right up until she wasn’t. We pick up her story at the point of her divorce when she had two young children, a small divorce settlement, a limited income and a burning desire to turn things around for the better. But how could she find her feet again? With determination, that’s how.</p> <h3><strong>LINKS</strong></h3><p><strong>Website</strong><br/><a href="https://www.simplesavings.com.au" rel="nofollow" target="_blank">www.simplesavings.com.au</a></p> <p><strong>THIS WEEKS SPONSOR: </strong>This weeks episode is brought to you by <a href="https://www.hatch.as/thehappysaver" rel="nofollow" target="_blank">Hatch</a>.</p> <a href="http://www.hatch.as/thehappysaver" rel="nofollow" target="_blank"> </a> <p><strong>SUBSCRIBE</strong> to The Happy Saver Podcast<br/>wherever you listen to podcasts and never miss an episode.<br/><a href="https://itunes.apple.com/nz/podcast/the-happy-saver-podcast/id1297734152" rel="nofollow" target="_blank">Apple Podcasts</a> - <a href="https://open.spotify.com/show/6bdJFBKf3lg3CudD78NH2X" rel="nofollow" target="_blank">Spotify</a> - <a href="https://castbox.fm/channel/The-Happy-Saver-Podcast-Personal-Finance-in-New-Zealand-id1088688" rel="nofollow" target="_blank">Castbox</a></p>

36. Divorced and Determined Budgeting Queen

MONEY JOURNEYS - EPISODE 27 What's In This Episode?I stumbled upon Sandra and Paul in 2018 when I not only discovered their blog about travel and minimalism but also that they were passing through my town that very week! Naturally I contacted them and invited them over for a coffee! Such an interesting couple who have both saved up, whittled down their lives to an 11kg backpack each, quit their jobs and transitioned into a new life of travel, adventure and a location-independent lifestyle. LINKSSandra and Paul’s Blog and Instagramwww.minimalistjourneys.comwww.instagram.com/minjourneysSandra and Paul’s Queenstown AccomodationTirohanga LodgeWebsites www.kiwihousesitters.co.nzwww.travelinsurance.co.nzPodcastsThe Slow Your Home Podcast NomadtopiaDave RamseyThe Tim Ferriss ShowThe Smart Passive Income PodcastBooksConsumption Economics: The New Rules of TechThe Power of Habit: Why We Do What We Do in Life and Business THIS WEEKS SPONSOR: This weeks episode is brought to you by PocketSmith.   SUBSCRIBE to The Happy Saver Podcastwherever you listen to podcasts and never miss an episode.Apple Podcasts - Spotify - Castbox

<h1>MONEY JOURNEYS - EPISODE 27</h1> <h3><strong>What's In This Episode?</strong></h3><p>I stumbled upon Sandra and Paul in 2018 when I not only discovered their blog about travel and minimalism but also that they were passing through my town that very week! Naturally I contacted them and invited them over for a coffee! Such an interesting couple who have both saved up, whittled down their lives to an 11kg backpack each, quit their jobs and transitioned into a new life of travel, adventure and a location-independent lifestyle.</p> <h3><strong>LINKS</strong></h3><p><strong>Sandra and Paul’s Blog and Instagram<br/></strong><a href="http://www.minimalistjourneys.com" rel="nofollow" target="_blank">www.minimalistjourneys.com</a><br/><a href="https://www.instagram.com/minjourneys/" rel="nofollow" target="_blank">www.instagram.com/minjourneys</a></p><p><strong>Sandra and Paul’s Queenstown Accomodation<br/></strong><a href="https://www.tirohangalodge.com/" rel="nofollow" target="_blank">Tirohanga Lodge</a></p><p><strong>Websites <br/></strong><a href="http://www.kiwihousesitters.co.nz" rel="nofollow" target="_blank">www.kiwihousesitters.co.nz</a><br/><a href="http://www.travelinsurance.co.nz" rel="nofollow" target="_blank">www.travelinsurance.co.nz</a></p><p><strong>Podcasts<br/></strong><a href="http://www.slowyourhome.com/the-slow-home-podcast" rel="nofollow" target="_blank">The Slow Your Home Podcast </a><br/><a href="https://www.nomadtopia.com/podcast/" rel="nofollow" target="_blank">Nomadtopia</a><br/><a href="https://www.daveramsey.com/show/podcasts" rel="nofollow" target="_blank">Dave Ramsey</a><br/><a href="https://tim.blog/podcast/" rel="nofollow" target="_blank">The Tim Ferriss Show</a><br/><a href="https://www.smartpassiveincome.com/podcasts/" rel="nofollow" target="_blank">The Smart Passive Income Podcast</a></p><p><strong>Books</strong><br/><a href="http://tidd.ly/deb8594e" rel="nofollow" target="_blank">Consumption Economics: The New Rules of Tech</a><br/><a href="http://tidd.ly/43fd959c" rel="nofollow" target="_blank">The Power of Habit: Why We Do What We Do in Life and Business</a></p> <p><strong>THIS WEEKS SPONSOR: </strong>This weeks episode is brought to you by <a href="https://frstre.com/go/?a=76574-6442a9&amp;p_program.id=the-happy-saver&amp;s=388340-ec9a73" rel="nofollow" target="_blank">PocketSmith</a>.</p> <a href="https://frstre.com/go/?a=76574-6442a9&amp;p_program.id=the-happy-saver&amp;s=388340-ec9a73" rel="nofollow" target="_blank"> </a> <p><strong>SUBSCRIBE</strong> to The Happy Saver Podcast<br/>wherever you listen to podcasts and never miss an episode.<br/><a href="https://itunes.apple.com/nz/podcast/the-happy-saver-podcast/id1297734152" rel="nofollow" target="_blank">Apple Podcasts</a> - <a href="https://open.spotify.com/show/6bdJFBKf3lg3CudD78NH2X" rel="nofollow" target="_blank">Spotify</a> - <a href="https://castbox.fm/channel/The-Happy-Saver-Podcast-Personal-Finance-in-New-Zealand-id1088688" rel="nofollow" target="_blank">Castbox</a></p>

27. Minimalists go off on an adventure!

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