Get Ahead...Get Financially Sorted by 30: The New Zealand Way

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Get ahead : get financially sorted by 30 : the New Zealand way. Crows Nest, N. Request this item to view in the Library's reading rooms using your library card. To learn more about how to request items watch this short online video. You can view this on the NLA website. Login Register.

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In the Library Request this item to view in the Library's reading rooms using your library card. Details Collect From N Order a copy Copyright or permission restrictions may apply. Good news this month with a payrise and Mr Frugal had the opportunity to cover extra shifts.

I also had the chance to work at the local election and make some extra income on the weekend. Now its October and we were still waiting for the good weather to arrive. Murphy struck us this month and our Dishwasher finally died. We struggled with the decision to buy another one as we knew it was a want and not a need.

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We decided to pay cash and replace it directly with manufacturer. Onto November and we were feeling a little battle weary. There were extra shifts to be had for Mr Frugal and our beautiful daughter Mckenzie turned We celebrated with a special dinner out at Madam Woo in Hamilton. Finally, we made it to December. We had been saving hard all year to cashflow Christmas — my favourite time of the year. Online shopping was thoroughly enjoyed for the first time, buying presents for my nearest and dearest.

The travel specials for were rampant and we decided to pay cash for a week in sunny Queensland in August , our first overseas holiday since Accommodation will be with friends and AirBnB. We paid cash for our flights. Something to look forward to and get us through the New Zealand Winter. Merry Christmas everyone and Happy New Year.

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I wish you all a wonderful healthy and prosperous Many people have asked me during our debt free journey — what plan are you following? So I thought I would explain our financial plan. We found Dave Ramsey on Youtube by accident in January I somehow convinced my husband to listen to his audio book on Youtube. His advice is easy to understand, and he has a no-nonsense approach to finance.

He was also made bankrupt at 25 and had to start again from nothing and is now a multi-millionaire. They are so good to watch and highly motivating!. So back to the plan — this plan has been proven to work if you follow it without adding your own steps to the mix. There are seven steps and you need to finish the first three completely before moving on to the next one. Let me explain:. This helps by stopping murphy visiting and is only to be used for emergencies! A holiday or shopping is NOT an emergency. This account must be reimbursed if used before you proceed onto another step. This is repaying ALL consumer debt.

You list these debts smallest to largest and pay all your extra money in your monthly budget to the smallest debt first, while continuing minimum payments on the other debts. Once the smallest debt is paid off, then you go onto the next one, and the next one and so on and so on until they are all paid off. You need to be budgeting every dollar in your budget, working extra jobs, selling stuff and doing everything you can to clear this debt as fast as possible. While you are on this step, holidays, going out for dinner or excessive shopping are on HOLD.

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You should aim to get this step completed in under two years. A side note — the interest rates of your debts do not matter. This step uses quick wins to keep you motivated as getting out of debt is more a behavior thing than a numbers issue.

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  4. Go hard on this step. Fully funded emergency fund. Now that you have repaid all your consumer debt. This figure will be different for everyone, but must be completed before you move onto the next step. This money should not be invested but in an account where it can be accessed if required.

    This is an interim step if you are saving for your first home. Your mortgage should be for a term of 15 years. If you already have your own home, you can obviously skip this step. Speaks for itself really. Pay off your Mortgage. Dave recommends to have a 15 year term and try and pay off in 7. We are currently on this step and are completely obsessed with paying off our mortgage. We are hoping to be done in 21 months. Invest in your wealth and give. Once you have made this step you are financially free. You can give and live like no one else.

    You do not have any payments and can do whatever you want to do — welcome to financial freedom!! We sold our car and our rental property in baby step 2 to repay our credit cards and our rental investment mortgage. We also had enough left over to fully fund our emergency fund in Baby step 3.

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    The one baby step we have not fully committed to is baby step 4. We are currently only investing 9. I am also looking forward to investing our money and researching lots of mutual funds to find the best ones. Its simple, easy to follow and worth looking into. Good luck on your road to financial peace. Our reasoning behind this was that our rental property was going to double in value in seven years and would clear our debt.

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    This never happened and instead we were left with the debt to repay together with various top ups we had made along the way, eg. Luckily at this time, we came to the realization that we were not making good financial decisions with our money and began our journey to pay off our mortgage and become debt free as soon as possible. Convince your partner to have a budget meeting every month and discuss your goals and your finances.

    This will keep you motivated to keep going. Set up a written budget specific for the month ahead. Do your budget for the month before the month begins with every dollar you are going to receive and every dollar you are going to spend. In other words, make your money work for you and tell it what to do and where to go! Work extra, find a side hustle, sell things, meal plan, cashflow your spending, make your lunches, have coffees at home or work, watch Netflix, stay away from shopping centres and every spare dollar you save, throw it at the mortgage. Have a debt free chart where you will see it every day.

    We have a mortgage free chart on the inside of our pantry so we see it several times a day! It is the highlight of my day to colour off another line closer to our goal of being debt free.