Starting the new year with Christmas debt is not something most of us look forward to. But unfortunately, it’s often the reality. To really enjoy the gift-giving season, without feeling guilt-ridden because of overspending, try setting up a Christmas budget that outlines how much you have to spend and who you’re going to spend it on, and then shop without going over budget. Here are some tips for budgeting for Christmas spending.
Topics: Financial Health, Budgeting, Health and Wellbeing
Christmas is just around the corner, and if you’re already feeling the pinch of festive spending to come, there’s no better time to get planning. Holiday gift-giving and entertaining can be a real drain on the wallet and your mental health so it’s vital you plan ahead with a solid budget that’s realistic and attainable. We’ve put together a list of ideas to help you celebrate Christmas while staying within your limit.
Topics: Debt Consolidation, NZ Finance, Budgeting, NZ Mortgage Adviser, Home Loan Advice
One in three kiwis admits to letting their money take care of itself and hasn’t planned ahead for their financial future, according to BNZ’s financial futures research undertaken during 2017. Are you one of those who may have lost sight of your long-term goals, simply living life for today? Here are some steps you can take to increase your savings and build a solid foundation for future financial success.
Topics: Christmas Debt, Budgeting, Health and Wellbeing, Mortgage Debt
It’s easy to get wrapped up in the busy-ness of the season and end up spending far more than you intended at Christmas time. From buying extravagant gifts to decorating your home to the endless entertaining: Christmas spending quickly adds up. Which is why creating a Christmas budget makes perfect sense. Here are some key steps you can take to set a budget for Christmas that won’t break your bank.
Topics: Household Expenses, Christmas, Household Debt, Christmas Debt, Budgeting, Christmas spending, Mortgage Debt
Having your mortgage application declined isn’t necessarily the end of the road when it comes to your home buying journey. There are a few reasons why your lender may turn you down and understanding what these are is the key to your success. Here are 4 of the most common reasons why lenders may decline a mortgage application.
Topics: Credit Card Debt, Debt, new zealand real estate, mortgage stress, mortgage adviser, Budgeting, 2018 budget
As Auckland’s housing market continues to grow, albeit at a much slower rate, a major bank has forecast a decrease in house prices across New Zealand over the next four years. New Zealand’s labour-led government policies kick in this month, and an easing up of LVR restrictions could be just the boost first home buyers need. Take a look at some of the property market changes you could expect in 2018.
Topics: Credit Card Debt, Debt Consolidation, Debt, new zealand real estate, mortgage stress, mortgage adviser, Budgeting, 2018 budget
There’s no doubt that Christmas can be an expensive time. Family holidays, costly Christmas gifts, and maybe even a little something for yourself. Unfortunately, in January when the credit card bills start rolling in, reality hits many people. To help you overcome a Christmas debt hangover, we’re sharing our new year budgeting tips.
Topics: Credit Card Debt, Debt Consolidation, Debt, new zealand real estate, mortgage stress, mortgage adviser, Budgeting, 2018 budget
If you haven’t already given much thought to budgeting for the year ahead, now’s a good time to start. Having a budget can help you reduce overspending, help you save more, and ensure you avoid situations where unplanned expenses drive you into debt. To help you plan a more financially secure 2018, here are our top budgeting tips.
Topics: Debt Consolidation, new zealand real estate, mortgage adviser, Budgeting, 2018 budget
There’s nothing quite like Christmas for evoking memories of long, lazy summer days, presents under the tree, and BBQ’s on the beach. Unfortunately, for many people though, Christmas can be a stressful time too. Coping with extra expenses at this time of year without blowing the budget is a challenge. Here are our tips for doing just that.
Topics: Christmas, new zealand real estate, mortgage adviser, Budgeting, Christmas spending
