94. Continuous Improvement

94. Continuous Improvement

Author: Ruth - Personal Finance Blogger August 14, 2024 Duration: 49:40
Ruby stumbled across The Happy Saver in October of 2022, prompting her to email me with a couple of questions. She’d recently signed up with Sharesies and was testing the waters by investing $20 a week, and had a few questions about where to start. Plus, she had a question about her KiwiSaver. While at home with two young tamariki, she had just realised that even when she was not in the paid workforce, she could voluntarily contribute money into her account, which she immediately started doing. Taking a moment to think about investing made her start digging around for more information about her money. From then on, her thirst for financial literacy grew, and she began to search for information that could teach her to be better with her pūtea. A year went by, and I heard from her again. She went into more detail, which led to me asking her to be on my podcast today. She is now 34, and her husband Tim is 38. They live in rural Canterbury with their two preschool children. I think their journey is typical of a lot of Kiwis, and what I particularly like is that they continue to adjust their financial course as new information comes to light.

Money conversations can feel awkward, but they don't have to be. On The Happy Saver Podcast-Personal Finance in New Zealand, host Ruth brings her perspective as a longtime personal finance blogger to break down that barrier. Each episode is built around real stories from everyday Kiwis, exploring the nuanced and often personal relationship people have with their finances. You'll hear frank discussions about how money influences life choices, for better or worse. The focus is on practical, grounded experiences within the New Zealand context-where people save, how they invest, and whether those strategies actually pan out over time. Ruth guides conversations that delve into both financial victories and those moments that feel like train wrecks, always with an eye toward learning. The underlying question is how to design a life rich in experience without spending a fortune to get there. This isn't about theoretical jargon; it's about the applied reality of making dollars and sense work together in Aotearoa. By listening to this podcast, you gain a collective wisdom from a community navigating the same economic landscape, from everyday budgeting to long-term investing goals. Ruth facilitates a space where money is simply a tool to be understood and mastered, one honest story at a time.
Author: Language: en-us Episodes: 50

The Happy Saver Podcast - Personal Finance in New Zealand
Podcast Episodes
106. Revisit with Neil: A Financially Complicated Breakup [not-audio_url] [/not-audio_url]

Duration: 36:41
This episode revisits my August 2022 conversation with Neil in Episode 69, A Financially Complicated Breakup. Now 52, Neil has lived in New Zealand for 20 years, working in IT since moving from the UK in 2005. He retaine…
105. A Lumpy Journey – No Need to Go Anywhere in a Straight Line [not-audio_url] [/not-audio_url]

Duration: 51:59
In this episode, I chat with Tracey, a long-time reader and listener of The Happy Saver who first came on my radar through her detailed Debt Free Questionnaire in 2022. Tracey and her husband have reached what's known as…
104. I Have Stopped Sleepwalking Through My Finances [not-audio_url] [/not-audio_url]

Duration: 1:03:07
After my long kōrero with Sammy to prepare this episode, my head was spinning from all the twists and turns of her story. After 57 years of personal and financial trauma, last year, in 2024, Sammy had her “aha” moment wh…
103. 20-Year-Old on the Path to Financial Freedom [not-audio_url] [/not-audio_url]

Duration: 46:27
In November 2024, I attended Black FI-Day, New Zealand’s first financial independence hui. Nearly 40 people gathered for this three-day event to share their financial journeys. One of them was Amelie, the person in the s…
102. Once you have won the money game, stop and enjoy life. [not-audio_url] [/not-audio_url]

Duration: 1:01:05
Today, I’m sharing the financial ins and outs of Alan and Katie Donegan, the world-travelling English couple behind Rebel Finance School. Over the years, we have become friends, and learning about their journey to financ…
101. Pushing Themselves - Financially Going For It! [not-audio_url] [/not-audio_url]

Duration: 1:00:05
I first met today's guest, Ajith, when he emailed me with a couple of questions back in 2024. He’d come across The Happy Saver while on the hunt for some motivation to keep pushing towards the goal that he and his wife A…
100. A Solo Journey to Financial Independence [not-audio_url] [/not-audio_url]

Duration: 44:04
In mid-October 2024, I brewed a coffee, sat down, and gave Poto a call. She’s been a long-time listener of the podcast, drawing on insights from past guests to help guide her decisions over the years. Back in 2021, she a…
99. Work, Life, Balance: With Plenty of Free Time! [not-audio_url] [/not-audio_url]

Duration: 38:26
This week, I’m making a bit of an exception and chatting with someone who was a bit reluctant to talk about money. Which is ironic, given this is a podcast that talks about money. Rob, a 33-year-old plumber from Western…
98. Life and times of a property investor, turned global traveller. [not-audio_url] [/not-audio_url]

Duration: 45:16
In today's episode, I will be sharing the financial journey of Jack, a Kiwi from the lower North Island. Jack found The Happy Saver when he was searching for podcasts on money. As an investor in rental property, he was l…
97. Revisit with Chris and Rosemary: These two are not mucking around! [not-audio_url] [/not-audio_url]

Duration: 46:50
Today’s episode is an update on North Island couple Chris and Rosemary. Their first episode came out in March 2021 — it was episode number 49. Since then, we’ve kept in touch, and today’s episode is an update on where th…