Christmas Money Saving Tips

Nov 19, 2020 1:52:46 PM

Many of us are feeling the financial crunch after an especially tough year. And with the festive season fast approaching, the added pressure of extra expenses like gifts and entertainment is an obvious concern. So that you don’t have to start the new year struggling to repay the cost of this festive season, take a look at these creative and meaningful ways to celebrate Christmas without straining your budget.


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Topics: Financial Health, Health and Wellbeing

5 Ways to Pay Off Your Mortgage Faster

Nov 4, 2020 1:07:22 PM

Most homeowners long for the day when they’ll be mortgage-free. But that can feel a bit like a distant dream with no clear path to get there. Depending on your loan term, you could be paying back your mortgage until well past your retirement age, potentially never fully “owning” your home. If the thought of being mortgage-free appeals to you, here are 5 ways you could pay off your mortgage faster.


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Topics: Financial Health, Buying and Selling Property

What to Think About When Writing a Will

Oct 20, 2020 6:33:45 AM

Lockdown in New Zealand sparked a flurry of people enquiring about writing their Will*. But it’s not just in a pandemic when an important legal Will needs serious consideration. While most people prefer not to think too much about what will happen when they pass, without a Will, your assets may be distributed according to the law of New Zealand (the Administration Act 1969), which may not be in line with your wishes. Take a look at these 5 things to consider when writing a Will.


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Topics: Financial Health, Health and Wellbeing, Buying and Selling Property

Buying a Home, Post-COVID

Oct 19, 2020 6:28:18 AM

The New Zealand property market is booming, despite economists’ doom-and-gloom predictions earlier this year. Historically low interest rates, the removal of loan-to-value restrictions, and more New Zealanders returning home from overseas because of COVID-19 has seen a growing number of first home buyers entering the market. If you’re considering applying for a mortgage at this time, here are some things you can do to prepare yourself.


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Topics: Financial Health, COVID-19, Buying and Selling Property

Navigating Your Finances in a Pandemic

Oct 8, 2020 12:59:46 PM

COVID-19 has impacted not only the way we work, go to school or socialize; for many, it’s had a significant financial impact too. Job loss or reduced hours has meant more people have to rely on credit or even miss repayments on financial commitments due to financial strain. While your health and wellbeing are understandably top of mind right now, it’s just as important you keep your credit score in the best possible shape. Here’s why.


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Topics: Financial Health, Health and Wellbeing, COVID-19

Staying Safe Online

Oct 7, 2020 12:54:58 PM

Over the last month, some of New Zealand’s biggest companies have been hit by cyber-attacks. Among those targeted were the New Zealand Stock Exchange, MetService, Westpac and several large media companies. The recent spate of cyber-attacks has been attributed to a growing shift in companies working remotely because of COVID-19, and is a timely reminder of the importance of cyber-safety for anyone accessing online services.


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Topics: Financial Health, Health and Wellbeing, Buying and Selling Property

Can Afterpay Affect my Mortgage Application?

Feb 18, 2020 4:20:32 PM

New financial technology has taken the retail world by storm. Systems that allow you to pay off your purchase by staggered repayments over a number of weeks with no interest charged, are being offered in most online stores and in-store too. But could these “lay-by” services be doing more damage than good? Can Afterpay and the likes actually affect a mortgage application?


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Topics: Credit Card Debt, Debt Consolidation, Household Debt, Financial Health, Bad credit

3 Ways to cure your Christmas debt hangover

Jan 14, 2020 7:59:00 AM

New Zealanders spent over half a billion dollars over the 2019 Christmas period; a whopping $533 million of which was paid for on credit. As the credit card bills begin to arrive, many people are left with the regret of overspending. If the cost of Christmas has rolled into the new year and you’re facing a Christmas debt hangover, we have some tips to help you clear your debt.


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Topics: NZ Finance, Financial Health, Christmas Debt, Christmas spending, Financial Advice, Home Loan Advice

Setting your financial goals for 2020

Jan 9, 2020 7:50:08 AM

Most of us have the best intentions come the start of a new year but the reality is, those intentions typically fade by February. Whatever your plans are for 2020, it’s a good idea to set your financial goals too. Setting your financial goals down in writing is a big part of their success. To get your finances on track for 2020, here are 5 goals you could consider setting yourself.


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Topics: NZ Finance, Financial Health, Financial Advice, Home Loan Advice, Finance Goals

Financial Health vs. Mental Health

Nov 10, 2018 2:04:00 PM

Your debt may well be costing you more than just the interest you’re repaying! Research shows there’s a clear link between your financial health and your mental health, with some studies reporting a higher risk of mental health problems amongst people who have debt. Having just acknowledged Mental Health Awareness week in October, it’s a good time to remind ourselves of the importance of maintaining good mental and financial health.


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Topics: Mortgages, Health Insurance, Financial Health, finance health check, Health and Wellbeing, NZ Mortgage Adviser, Mental Health