43 episodes

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

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

    • Investing
    • 4.9, 170 Ratings

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

    42. Coming a long way in a short space of time.

    42. Coming a long way in a short space of time.

    In this final podcast of this series, I’m doing a recap of two people that I’ve spoken with earlier. Firstly there was Bret from episode #20, a guy who had gone from being a super consumer to someone who is finally, much to the relief of his partner Shelley, in control of money. And secondly, I spoke with Lucas from episode #28 who last time we met was staring down the barrel of a $1.2 million dollar mortgage. Both of these couples have come an extremely long way in a very short space of time and I think that hearing from them will help many people who are currently finding themselves in tough situations of their own.

    • 39 min
    41. Turbulent Times

    41. Turbulent Times

    This week I tell you all about Catherine and her husband Luke. Both of them had been enjoying successful careers and had been working to a financial plan that had them thinking years into the future. Life was sailing along pretty well, all things considered, until very recently when they hit a major roadblock, due to a job loss caused by COVID-19. Sometimes we think we are heading in one direction but a fork in the road throws up a few other suggestions and we have no choice but to adapt.

    • 48 min
    40. It's never too late to change

    40. It's never too late to change

    This week I’m going to share the story of Linda, a woman in her early 50’s who has had a huge shift in mindset over the last ten months. Linda’s journey with money had just been trundling along year in year out for, oh I don’t know, about 52 years! But in July 2019 there was to be a bit of a change in direction when she started to question the status quo and wondered if not paying her house off until she was in her mid 70’s was the best idea after all?

    • 58 min
    39. Battling the desire to just spend, spend, spend!

    39. Battling the desire to just spend, spend, spend!

    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.

    • 43 min
    38. Keep On Truckin

    38. Keep On Truckin

    Aaron and his wife Shannon have a young son, just six months old and it’s what they did in the lead up to his birth that got my attention. They decided to work like crazy people, as many hours as they possibly could, in order to knock down their mortgage and set a chunk of cash aside before the birth so that they could head into parenthood prepared. Learn how this truck driver and administrator went about it.

    • 42 min
    37. This is what Starting Young Looks Like

    37. This is what Starting Young Looks Like

    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.

    • 32 min

Customer Reviews

4.9 out of 5
170 Ratings

170 Ratings

Echosierrakiloyanky ,

Guaranteed to motivate

Great to hear stories from all sorts of backgrounds. Shows it doesn’t matter how much you earn. It’s what you do with what you have that makes the difference

Shells NZ ,

An amazing Kiwi Financial Pod - highly recommend

I love this podcast - 100% relevant to the financial climate in NZ - a must for anyone interested in making better decisions with money.

App1453 ,

Inspiring and educational, nice tone

This podcast is one I can listen to and find lots of situations that are relevant to me. Her voice is very calming and steady and i like her generous tone. I feel supported from this podcast! Amazing, please keep it up

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