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The Happy Saver Podcast - Personal Finance in New Zealand

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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

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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

Cover image of The Happy Saver Podcast - Personal Finance in New Zealand

The Happy Saver Podcast - Personal Finance in New Zealand

Latest release on Sep 23, 2020

The Best Episodes Ranked Using User Listens

Updated by OwlTail 3 days ago

Rank #1: 39. Battling the desire to just spend, spend, spend!

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MONEY JOURNEYS - EPISODE 39

What's In This Episode?

Becky described herself as a spender at heart who has to constantly battle against the desire to just spend, spend, spend. The spiral began with interest free debt in her first year of university and continued on from there. Today she has decided to stop turning to debt to finance the things she and her family want, but it’s still a struggle and it still has the ability to occasionally trip her up. But there is hope for spenders like her and while still a work in progress, she has come a very long way in a short space of time and has paid off old debt and said no to any more. This is how a ‘natural spender’ gets her money under control.

THIS WEEKS SPONSOR: This weeks episode is brought to you by Hatch.

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Apple Podcasts - Spotify - Castbox

Apr 29 2020

43mins

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Rank #2: 06. A Calm and Calculated Investor

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MONEY JOURNEYS - EPISODE 6

What's In This Episode?

I met Victoria via my blog when we began to chat by email. So when I knew I wanted to create a podcast and wanted to interview a woman who gives her financial situation careful consideration, she was high up on my list. This is a snapshot of a calm and calculated Kiwi woman having a go and succeeding at setting her own financial path.

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Apple Podcasts - Spotify - Castbox

Dec 12 2017

22mins

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Rank #3: 30. Young investor tries it all from penny stocks to margin lending.

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MONEY JOURNEYS - EPISODE 30

What's In This Episode?

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.

LINKS

Podcast
ChooseFI

Books
Rich Dad Poor Dad - Robert T. Kiyosaki
The Simple Path to Wealth - JL Collins
The Barefoot Investor - Scott Pape

Audio Book
The Little Book of Common Sense Investing - John C. Bogle

YouTube
Two Cents

THIS WEEKS SPONSOR: This weeks episode is brought to you by PocketSmith.

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Apple Podcasts - Spotify - Castbox

Apr 24 2019

42mins

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Rank #4: 26. Single Income is No Barrier to Becoming Financially Independent

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MONEY JOURNEYS - EPISODE 26

What's In This Episode?

I’m going to tell you about a fabulous 42 year old woman I know, called Kate. We met via my blog when she reached out to me and that is when I knew that she had an interesting money journey to tell. What you pay attention to gets done and Kate worked this out from an early age so when she set her sights on moving to New Zealand, establishing a career, buying a house, paying it off and retiring before 50 there is little that will keep her from achieving her goals.

LINKS

Blogs and Websites
www.thehappysaver.com
www.mrmoneymustache.com
www.frugalwoods.com
www.askamanager.org

Podcast
www.guiltyfeminist.com

Books
Get Rich Slow: How to Grow Your Wealth the Safe and Savvy Way - Mary Holm

THIS WEEKS SPONSOR: This weeks episode is brought to you by PocketSmith.

SUBSCRIBE to The Happy Saver Podcast
wherever you listen to podcasts and never miss an episode.
Apple Podcasts - Spotify - Castbox

Mar 27 2019

33mins

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Rank #5: 22. Simon Says... Live the life you want today.

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MONEY JOURNEYS - EPISODE 22

What's In This Episode?

Today I am telling the story of Simon, a guy I’ve actually spoken to a number of times, but everything I thought and assumed about him turned out not to be 100% correct. With a finance related masters degree I thought he would have graphs for Africa. But no, although he knows where he is at financially, much more importantly he knows what kind of life he wants to live today and into the future.

LINKS

SuperLife 80 Fund

InvestNow

Simplicity KiwiSaver Growth Fund

BOOK

A Random Walk Down Wall Street: The Time-Tested Strategy for Successful Investing - Burton G. Malkiel

THIS WEEKS SPONSOR: This weeks episode is brought to you by SUPERLIFE KiwiSaver,
a Member of the NZX Group: www.superlife.co.nz

SUBSCRIBE to The Happy Saver Podcast
wherever you listen to podcasts and never miss an episode.
Apple Podcasts - Spotify - Castbox

Jul 11 2018

21mins

Play

Rank #6: 04. Reaching Residential Rental Property Nirvana!

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MONEY JOURNEYS - EPISODE 4

What's In This Episode?

On this episode of the Happy Saver Podcast I talk with Rachel and David who are a New Zealand success story. When quite young they stumbled upon buying rental properties, in Auckland no less, and over time they bought a few more while working their day jobs. But it was their day job that enabled them to pay off their mortgages and today they go into detail about how they did it.

LINKS

www.vacationstogo.com

www.sit.ac.nz - Southern Institute of Technology has many free courses

The 4-Hour Work Week - Tim Ferris

Dolf de Roos

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Nov 28 2017

26mins

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Rank #7: 02. You've got to know when to hold 'em...

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MONEY JOURNEYS - EPISODE 2

What's In This Episode?

This week I’m excited to tell you about Ryan Johnson, a fellow blogger on personal finance in New Zealand. He had a very interesting start to his working career as it involved a pack of 52 playing cards. He is self taught when it comes to investing and is putting careful thought into exactly where to invest his savings and he openly shares that with me today. With student loans now paid off he has bucked the home ownership trend for now and has chosen to rent rather than buy a home. Month by month he is building a strong financial footing and he has learned a tonne about investing along the way.

LINKS

You can find Ryan's blog 'Money For Young Kiwis' at: www.ryanjohnson.co.nz

The Barefoot Investor - Scott Pape: www.barefootinvestor.com (Your local library will have this book or get it from Book Depository)

I Will Teach You To Be Rich - Rammet Sethi: www.iwillteachyoutoberich.com

The two SmartShares funds he mentioned are: NZ Top 50 (FNZ) and US 500 (USF)

Simplicity Growth Fund: www.simplicity.kiwi

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Nov 15 2017

27mins

Play

Rank #8: 12. It's All About Me

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MONEY JOURNEYS - EPISODE 12

What's In This Episode?

Welcome to the last podcast of this series of twelve. I thought to round out the series I would let you know a bit more about me as you may have been thinking “who is this person who keeps on banging on about Personal Finance in New Zealand?” and I also thought that I might make this one a quick one, but realising how much I like to talk, it probably won’t be!

LINKS

Websites:

I use www.smartshares.co.nz to purchase Index Funds.

My KiwiSaver is through www.simplicity.kiwi

www.sharesight.com is where I track my share portfolio.

I used www.morrisandwatson.co.nz to purchase gold.

Podcasts:

www.affordanything.com - Build A Better Life with Paula Pant

Be Wealthy & Smart - Linda P. Jones

www.choosefi.com - Experiments in Financial Independence

Cooking The Books

Death, Sex & Money - with Anna Sale

www.madfientist.com - The Science of Financial Independence

Martinis and Your Money

Planet Money

Side Hustle School - Chris Guillebeau

So Money - with Farnoosh Torabi

Clark Howard

The Dave Ramsey Show

Book:

A great book is by Scott Pape: The Barefoot Investor

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wherever you listen to podcasts and never miss an episode.
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Feb 06 2018

44mins

Play

Rank #9: 37. This is what Starting Young Looks Like

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MONEY JOURNEYS - EPISODE 37

What's In This Episode?

Often when I speak with people their one regret is that “they didn’t start saving and investing earlier”. Well today, you are going to hear about Nat and she DID manage to start investing early in life and the proof sure is in the pudding when at the age of just 36 she has an investment portfolio that she can be proud of.

THIS WEEKS SPONSOR: This weeks episode is brought to you by Hatch.

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wherever you listen to podcasts and never miss an episode.
Apple Podcasts - Spotify - Castbox

Apr 15 2020

32mins

Play

Rank #10: 09. Self Taught Investor Loves Buying Individual Shares

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MONEY JOURNEYS - EPISODE 9

What's In This Episode?

Jane loves buying individual shares in companies. She enjoys the research, the tracking of her investments and the sporadic hunt for the “next big thing”. Find out how this self taught investor fits share trading in around her busy family life.

LINKS

Shopping for Shares : The Everyday Woman's Guide to Profiting From the Stock Market, Second Edition - Tracey Edwards: www.bookdepository.com

Top Stocks - Martin Roth - Jane referred specifically to Top Stocks but he has a lot of books on investing to choose from: www.bookdepository.com

ASX (Australian Stock Exchange) - Their education section has a huge amount of resources so you can learn how to research, buy and sell shares: www.asx.com.au

Sharesies - Another great place to make a start on investing is with New Zealand company Sharesies: www.sharesies.nz

www.smartshares.co.nz

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Jan 16 2018

19mins

Play

Rank #11: 13. New Country New Life!

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MONEY JOURNEYS - EPISODE 13

What's In This Episode?

Would you have the guts to move to another country? Well, Chris and Kazia did just that when they moved from the Philippines to New Zealand in 2010. It is an incredibly bold move but they have hit the ground running and Chris shared with me how his Filipino culture shaped his views on money but also how they are now merging those views with the Kiwi way of doing things.

LINKS

Side Hustle:

Chris and Kazia have a side hustle selling succulents.
You can check them out on Facebook: Sweet as Succulents

Websites:

Kiwi Mustachians Facebook Group: Search Kiwi Mustachians on Facebook and ask to join the group.

www.thehappysaver.com

Books:

The Four Hour Work Week by Tim Ferris

The Barefoot Investor by Scott Pape

Rich Dad Poor Dad by Robert T. Kiyosaki

THIS WEEKS SPONSOR: This weeks episode is brought to you by SUPERLIFE KiwiSaver,
a Member of the NZX Group: www.superlife.co.nz

SUBSCRIBE to The Happy Saver Podcast
wherever you listen to podcasts and never miss an episode.
Apple Podcasts - Spotify - Castbox

May 09 2018

27mins

Play

Rank #12: 23. Family Planning

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MONEY JOURNEYS - EPISODE 23

What's In This Episode?

Three kids and an almost paid for house? It sounds like an impossible dream but I’m pleased to tell you it is a reality for this Wellington couple. But it has not happened by accident, it has taken planning and a lot of time to achieve it...

LINKS

Blogs
www.mrmoneymustache.com
www.gocurrycracker.com

Podcast
www.choosefi.com
www.freakonomics.com
Planet Money
www.madfientist.com
Cooking the Books

Books
The $100 Startup: Fire Your Boss, Do What You Love and Work Better To Live More - Chris Guillebeau
The 4-Hour Work Week : Escape the 9-5, Live Anywhere and Join the New Rich - Tim Ferriss

THIS WEEKS SPONSOR: This weeks episode is brought to you by SUPERLIFE Invest,
a Member of the NZX Group: www.superlife.co.nz

SUBSCRIBE to The Happy Saver Podcast
wherever you listen to podcasts and never miss an episode.
Apple Podcasts - Spotify - Castbox

Jul 18 2018

34mins

Play

Rank #13: 05. The Teenager Who's Ahead of the Game

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MONEY JOURNEYS - EPISODE 5

What's In This Episode?

If you thought that every teenager spends their days wagging school and walking around with their head down looking at the latest iPhone, then think again. Today we meet James who is finishing up his final year of school before heading on to University in 2018. He is no slouch and is involved in a huge variety of community groups, holds down a job, listens to his mother and is saving hard for the future.

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wherever you listen to podcasts and never miss an episode.
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Dec 05 2017

26mins

Play

Rank #14: 15. A lesson on living a good financial life.

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MONEY JOURNEYS - EPISODE 15

What's In This Episode?

If you want the good oil on how to invest well, track down a retired English and History teacher! If anyone is going to remember key points and dates about their life it is them. I was delighted to speak to Alan about his money journey and I’ve picked up a lot of tips on how to live not only a good financial life but how to cherish my personal relationships too.

THIS WEEKS SPONSOR: This weeks episode is brought to you by SUPERLIFE myFutureFund,
a Member of the NZX Group: www.superlife.co.nz

SUBSCRIBE to The Happy Saver Podcast
wherever you listen to podcasts and never miss an episode.
Apple Podcasts - Spotify - Castbox

May 23 2018

32mins

Play

Rank #15: 33. A Debt Free Birthday

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MONEY JOURNEYS - EPISODE 33

What's In This Episode?

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.

LINKS

Books
Everyday Millionaires - Chris Hogan
The Legacy Journey - Dave Ramsey
The Barefoot Investor - Scott Pape
Rich Enough - Mary Holm

Blogs
J L Collins
- Why your house is a terrible investment
- A Guided Meditation for When the Stock Market is Dropping

Podcasts
Your Money with Mary Holm

THIS WEEKS SPONSOR: This weeks episode is brought to you by Hatch.

SUBSCRIBE to The Happy Saver Podcast
wherever you listen to podcasts and never miss an episode.
Apple Podcasts - Spotify - Castbox

Nov 05 2019

46mins

Play

Rank #16: 36. Divorced and Determined Budgeting Queen

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MONEY JOURNEYS - EPISODE 36

What's In This Episode?

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.

LINKS

Website
www.simplesavings.com.au

THIS WEEKS SPONSOR: This weeks episode is brought to you by Hatch.

SUBSCRIBE to The Happy Saver Podcast
wherever you listen to podcasts and never miss an episode.
Apple Podcasts - Spotify - Castbox

Nov 26 2019

44mins

Play

Rank #17: 25. 1980s Yuppie Went Without to Invest Money from a Young Age

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MONEY JOURNEYS - EPISODE 25

What's In This Episode?

This could have been a textbook case of “Investing 101”. Tom had the key components in there like: live on less than you make, invest in mutual funds and spend mindfully while living a great life into retirement and beyond. But he was investing through the 80s so investing in the stock market and buying a Porsche had to fit somewhere in the mix right? Tom’s story gives a fascinating look at the rocky ride of a share investor, a life well lived and a net worth that reflects that it all worked out OK in the end.

THIS WEEKS SPONSOR: This weeks episode is brought to you by PocketSmith.

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wherever you listen to podcasts and never miss an episode.
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Mar 19 2019

33mins

Play

Rank #18: 27. Minimalists go off on an adventure!

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MONEY JOURNEYS - EPISODE 27

What's In This Episode?

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.

LINKS

Sandra and Paul’s Blog and Instagram
www.minimalistjourneys.com
www.instagram.com/minjourneys

Sandra and Paul’s Queenstown Accomodation
Tirohanga Lodge

Websites
www.kiwihousesitters.co.nz
www.travelinsurance.co.nz

Podcasts
The Slow Your Home Podcast
Nomadtopia
Dave Ramsey
The Tim Ferriss Show
The Smart Passive Income Podcast

Books
Consumption Economics: The New Rules of Tech
The Power of Habit: Why We Do What We Do in Life and Business

THIS WEEKS SPONSOR: This weeks episode is brought to you by PocketSmith.

SUBSCRIBE to The Happy Saver Podcast
wherever you listen to podcasts and never miss an episode.
Apple Podcasts - Spotify - Castbox

Apr 02 2019

36mins

Play

Rank #19: 35. Rebalancing the Portfolio

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MONEY JOURNEYS - EPISODE 35

What's In This Episode?

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.

LINKS

Books
Rich Dad Poor Dad - Robert T. Kiyosaki

Podcasts
The Pineapple Project

THIS WEEKS SPONSOR: This weeks episode is brought to you by Hatch.

SUBSCRIBE to The Happy Saver Podcast
wherever you listen to podcasts and never miss an episode.
Apple Podcasts - Spotify - Castbox

Nov 19 2019

34mins

Play

Rank #20: 18. Asking for help has been a game changer.

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MONEY JOURNEYS - EPISODE 18

What's In This Episode?

Shane is fed up with working and he wants to spend more time at home with his family instead. He wants to retire in his early forties! Years of DIY investing has worked him into a very good financial position but putting his hand up and asking for help to improve his portfolio has meant that his retirement will happen just that much sooner.

SHANE'S BLOG

The Fiminator - www.thefiminator.com

BLOG

Mr Money Mustache - www.mrmoneymustache.com

BOOKS

Rich Dad Poor Dad - Robert T. Kiyosaki

Think and Grow Rich - Napoleon Hill

THIS WEEKS SPONSOR: This weeks episode is brought to you by SUPERLIFE myFutureFund,
a Member of the NZX Group: www.superlife.co.nz

SUBSCRIBE to The Happy Saver Podcast
wherever you listen to podcasts and never miss an episode.
Apple Podcasts - Spotify - Castbox

Jun 13 2018

30mins

Play