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The Happy Saver Podcast - Personal Finance in New Zealand

Ruth - Personal Finance Blogger

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The Happy Saver Podcast - Personal Finance in New Zealand
The Happy Saver Podcast - Personal Finance in New Zealand

The Happy Saver Podcast - Personal Finance in New Zealand

Ruth - Personal Finance Blogger

5
Followers
2
Plays
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About Us

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 Kiwi’s 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

Latest Episodes

36. Divorced and Determined Budgeting Queen

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.

44 MIN2 w ago
Comments
36. Divorced and Determined Budgeting Queen

35. Rebalancing the Portfolio

Jo is a busy Mum of a two year old, they had just returned from an overseas trip and she is juggling parenting with a 30 hour work week, while her partner is working as well. We had a great chat where she told me how at a very young age she was encouraged into buying property and she discussed how that decision has impacted her life over the years and how she is now discovering new ways to invest outside of what she knows, housing.

34 MIN3 w ago
Comments
35. Rebalancing the Portfolio

34. I'm keeping the dog!

I came upon Tracy via Instagram. She was on a debt repayment marathon, trying to pay down $94,278 of consumer debt and was estimating it would take her 33 months. It all started because she was on the brink of bankruptcy and the suggestion was made that she needed to sell everything, including her beloved dog! By August, when we spoke she was down to $10,471.11 of debt and the sprint to the finish line was on! She has worked her tail off in her day job and taken up any and every side hustle that she could think of. She is one determined and focussed lady.

39 MINNOV 13
Comments
34. I'm keeping the dog!

33. A Debt Free Birthday

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.

46 MINNOV 6
Comments
33. A Debt Free Birthday

32. The Ultimatum!

In this week’s podcast I spoke with Farrel and Chihiro, a Christchurch couple in their early forties who are a great example of how to get two people with completely opposite money personalities on the same page. One was a spender and one was a saver and it would have remained that way unless an ultimatum was given: Either shape up or ship out!

31 MINOCT 30
Comments
32. The Ultimatum!

31. Cherishing time over everything else.

I get a lump in my throat when I think about Tracey, her family and the journey they have been on together. Back in 1996, she had no money, she had less than no money actually, she was in debt. With a divorce, the recent loss of her father, a failed business and with two seriously ill children to care for she was at her lowest point. Today I tell the story of how she found her way back and how she inspired me to cherish TIME over everything else.

39 MINOCT 23
Comments
31. Cherishing time over everything else.

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

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.

41 MINAPR 24
Comments
30. Young investor tries it all from penny stocks to margin lending.

29. Being curious and asking questions gets rewards.

Arataki is a woman who focuses on the collective and not on the individual and as she has moved through life she used some difficult experiences to not hold her back, but to drive her forward. At every turn, she has been a leader to others and today she is on the cusp of financial freedom where stepping away from work means she will be stepping towards helping build up her own whanau and her wider community.

35 MINAPR 17
Comments
29. Being curious and asking questions gets rewards.

28. To stay on the million dollar mortgage treadmill or not?

New Zealand is a fabulously multicultural place and I often find myself speaking with people who were not born here but have chosen to make this place their home. Today is no exception because Lucas was born in Southern Europe but has called New Zealand home for the last ten years. Lucas had reached a bit of a cross roads. He appeared to have what seems to be the Kiwi dream, a house and a rental property but he has come to realise and understand that for his situation he will need to keep handing over money month in month out to banks to pay down debt in order to make himself and his family comfortable in 25 to 35 years time and the thought of waiting this long actually no longer aligns with his goals in life. Will Lucas stay on the treadmill that is the New Zealand housing market or will he step off?

39 MINAPR 10
Comments
28. To stay on the million dollar mortgage treadmill or not?

27. Minimalists go off on an adventure!

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.

36 MINAPR 3
Comments
27. Minimalists go off on an adventure!

Latest Episodes

36. Divorced and Determined Budgeting Queen

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.

44 MIN2 w ago
Comments
36. Divorced and Determined Budgeting Queen

35. Rebalancing the Portfolio

Jo is a busy Mum of a two year old, they had just returned from an overseas trip and she is juggling parenting with a 30 hour work week, while her partner is working as well. We had a great chat where she told me how at a very young age she was encouraged into buying property and she discussed how that decision has impacted her life over the years and how she is now discovering new ways to invest outside of what she knows, housing.

34 MIN3 w ago
Comments
35. Rebalancing the Portfolio

34. I'm keeping the dog!

I came upon Tracy via Instagram. She was on a debt repayment marathon, trying to pay down $94,278 of consumer debt and was estimating it would take her 33 months. It all started because she was on the brink of bankruptcy and the suggestion was made that she needed to sell everything, including her beloved dog! By August, when we spoke she was down to $10,471.11 of debt and the sprint to the finish line was on! She has worked her tail off in her day job and taken up any and every side hustle that she could think of. She is one determined and focussed lady.

39 MINNOV 13
Comments
34. I'm keeping the dog!

33. A Debt Free Birthday

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.

46 MINNOV 6
Comments
33. A Debt Free Birthday

32. The Ultimatum!

In this week’s podcast I spoke with Farrel and Chihiro, a Christchurch couple in their early forties who are a great example of how to get two people with completely opposite money personalities on the same page. One was a spender and one was a saver and it would have remained that way unless an ultimatum was given: Either shape up or ship out!

31 MINOCT 30
Comments
32. The Ultimatum!

31. Cherishing time over everything else.

I get a lump in my throat when I think about Tracey, her family and the journey they have been on together. Back in 1996, she had no money, she had less than no money actually, she was in debt. With a divorce, the recent loss of her father, a failed business and with two seriously ill children to care for she was at her lowest point. Today I tell the story of how she found her way back and how she inspired me to cherish TIME over everything else.

39 MINOCT 23
Comments
31. Cherishing time over everything else.

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

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.

41 MINAPR 24
Comments
30. Young investor tries it all from penny stocks to margin lending.

29. Being curious and asking questions gets rewards.

Arataki is a woman who focuses on the collective and not on the individual and as she has moved through life she used some difficult experiences to not hold her back, but to drive her forward. At every turn, she has been a leader to others and today she is on the cusp of financial freedom where stepping away from work means she will be stepping towards helping build up her own whanau and her wider community.

35 MINAPR 17
Comments
29. Being curious and asking questions gets rewards.

28. To stay on the million dollar mortgage treadmill or not?

New Zealand is a fabulously multicultural place and I often find myself speaking with people who were not born here but have chosen to make this place their home. Today is no exception because Lucas was born in Southern Europe but has called New Zealand home for the last ten years. Lucas had reached a bit of a cross roads. He appeared to have what seems to be the Kiwi dream, a house and a rental property but he has come to realise and understand that for his situation he will need to keep handing over money month in month out to banks to pay down debt in order to make himself and his family comfortable in 25 to 35 years time and the thought of waiting this long actually no longer aligns with his goals in life. Will Lucas stay on the treadmill that is the New Zealand housing market or will he step off?

39 MINAPR 10
Comments
28. To stay on the million dollar mortgage treadmill or not?

27. Minimalists go off on an adventure!

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.

36 MINAPR 3
Comments
27. Minimalists go off on an adventure!
hmly
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