Everyone has their attitudes and beliefs about money. What do you remember about money when you were growing up? Are you puzzled by your spending patterns? Ever wonder about why you picked up some habits, not others?
Whether you’re putting away some savings for the first time or are ready to start investing, you’ll have questions. Maybe you’re wondering where you should be putting your money? Or how much risk you should take on?
It’s more fun than it sounds! We like to think of budgets as a plan for your money and what you’ll spend it on – including the things you want to buy. Budgeting isn’t just for bills! But how do you set a budget up? And what should it cover?
It’s often easy to get into debt but not so easy to get out of it. Which debt should you pay off first? How can you manage a credit card without it costing too much? Should you take out a loan in the first place? How does buy now, pay later work?
KiwiSaver is a great way to invest for the future you, whether you’re going to use it for your first home or not until retirement. But there’s more to it than you might think. Are you in the right type of fund for you? Are you paying too much in fees? How do you withdraw it?
Retirement may seem like a long way off, but planning for it requires more than setting and forgetting your KiwiSaver. What type of retirement lifestyle would you like? And do you really need a million dollars to retire?
If you’d like to discuss your own situation (even anonymously) or need further advice, contact MoneyTalks.
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