There’s a hole in my (rainy day) bucket!

There’s a hole in my (rainy day) bucket!

I have a confession to make…..I don’t have an emergency fund. I know, I know, but on the plus side, my partner and I have finally had THAT chat (the one where we bare our financial souls), and we are now setting one up. What is an Emergency Fund? Generally speaking,...
Is it a bird? Is it a plane? No, it’s “Super-KiwiSaver”!

Is it a bird? Is it a plane? No, it’s “Super-KiwiSaver”!

When someone first told me that the retirement savings scheme in New Zealand was called “KiwiSaver”, I thought they were joking and had visions of a superhero saving kiwis. Then I discovered that the government funded scheme was “Super”! In the UK where I hail from,...
Don’t SKI, instead SYM!

Don’t SKI, instead SYM!

I often hear people saying that they enjoy SKIing. “SKI” (Spending the Kids’ Inheritance) has been adopted in recent years as a justification, or explanation for why we are spending money in retirement. For some reason, we feel a need to have to justify this. My view,...