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Budgeting, personal finance & managing your money
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items Here's the things I have used that have helped me to understand money, make a plan for what we want out of our money, and stay on track with our money.
Sections
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Awesome personal finance books/podcasts
Budgeting & managing your money
Investing (NZ)
Free printables
Awesome personal finance books/podcasts
I have read all of these books at least twice and highly recommend them. Very easy to read .
I would give a copy of this book to everyone if I could. Great book, very readable, just follow the steps in the book and you will be ok. Highly recommend
The Barefoot Investor - book by Scott Pape
Very common sense, and practical advice. Even though the investing information may not be relevant where you live, the rest is gold.
The Total Money Makeover by Dave Ramsey
You don't have to be rich to live rich. An easy read to introduce the concepts of saving and putting yourself first. The book is story based about a young woman living in New York who thinks she is terrible with money, and always broke. Great advice ...
The Latte Factor by David Bach
Answering the many questions from the Herald column, Mary covers the topics around money we often ask. Saving, buying a house, superannuation, helping kids etc.
A Richer You: How to Make the Most of Your Money
I love listening to Frances' podcasts while on my walks. Wide variety of topics, very easy to listen to, great guests.
Cooking the Books with Frances Cook
American based but loads of great podcasts on how to save money.
Frugal Friends Podcast
Budgeting & managing your money
Tools I use to help me budget.
Dosh is great! It's a completely free card and app that can be used to easy manage spending. You can transfer money to it for groceries, coffees/takeaways etc (non-bills) that you need to stay on track with. There are ‘stashes’ which are like separat...
Dosh-No fees card, manage your spending with 'stashes'
Great free budgeting app - I used this for years until I made my own template which I find better because it has a cashflow feature so I know if I have too much money going out in one week.
EveryDollar | Make a Budget and Track Expenses
This is the VPN we use to access overseas-only apps like EveryDollar.
NordVPN's special deal | NordVPN
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Great site, she has free resources, a book, and two products: Live Rich Planner and Budget by Paycheck.
The Budget Mom - Real Women. Real Life. Real Finance
Great budget planner
She Budgets | The Budget Planner | Australia ☼
Great app - I used it to track groceries and household/miscellaneous spending. You can set monthly budget amounts and then enter spending so you can see how you are going through the month. Lots more available with this app, but I just used it for tr...
GoodBudget app
This app is great, but the best part is the community where you can read and post tips on 8 different groups depending on your interests. The app lets you connect your accounts including credit cards and loans, track your spending, see your debt goin...
WeMoney - Pay down debt faster
Pocketsmith is such a clever personal finance app/software (computer and on your phone). So much capability if you are looking for bank feeds, automation and more information including forecasting. It has a bit of a learning curve, but offers great f...
Pocketsmith - personal finance software/app
Investing (NZ)
We invest in Kiwisaver as well as in shares outside of Kiwisaver. Here's what we use.
This link will give both you and I $5 if you sign up. Sharesies has been a great introduction to investing in shares for us and our children. The interface and graphics is fun and appealing. We started our kids with Sharesies when interest rates on t...
Sharesies - great investing platform
Very user-friendly calculator to show you how much you will have in your Kiwisaver when you retire. You can change your details like which kind of fund, what age you plan to retire and how much you contribute to see how the number changes. A great to...
Sorted - KiwiSaver calculator
I have used this tool a few times when I have checked if we are with the best Kiwisaver provider. As per the Barefoot Investor's advice, fees matter HUGELY so you can sort based on fees with this tool. We started with Generate Growth fund (1.3% plus ...
Compare KiwiSaver and managed funds
MoneyHub is a great site to learn more about personal finance and money. This article reviews Kernel's Kiwisaver plan - one we are looking to switch to for our Kiwisaver provider - mainly due to the low fees.
Kernel Kiwisaver Review
Free printables
Great site to download free printables to help you on your journey to slash that debt, or save up!
Awesome printables to encourage you on your way to eliminate debt!
Debt Free Charts
These charts make it fun to get that emergency fund saved up.
I Saved my Starter Emergency Fund Tracking Chart
This is the link to see all the free printables on the DebtFreeCharts website
All Free Charts - DebtFreeCharts.com