First Rung: Debt Free Diva saves deposit for first home in 12 months
One of the best things about working for homed is all the inspiring people I get to chat to. One of my favs, and the most inspiring was Tracey Hemingway, who as The Debt Free Diva offers advice and guidance on getting your finances under control and working for you.
She knows what she's talking about, too. Not only did she smash more than $90k of debt in three years, but in the year since she paid it off, she's saved enough, on top of her Kiwisaver, to pay the deposit on a home of her own.
It wasn't easy, and Tracy would be the first person to tell you that! But it is doable. Check out how, and have a listen to our episode of First Rung about Settlement day, on this link below. It includes some tips from Tracy on setting up a budget to manage your finance when you have a mortgage to pay.
Poll: Is it ok to regift something that you have been given?
🎁 Holiday Gift Chat!
Do you ever regift?
What’s your take on asking for a receipt if a gift doesn’t fit?
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79.2% Yes! It's better to regift what I don't need
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20.8% No. It's the thought and effort that matters
Some Choice News!
Many New Zealand gardens aren’t seeing as many monarch butterflies fluttering around their swan plants and flower beds these days — the hungry Asian paper wasp has been taking its toll.
Thanks to people like Alan Baldick, who’s made it his mission to protect the monarch, his neighbours still get to enjoy these beautiful butterflies in their own backyards.
Thinking about planting something to invite more butterflies, bees, and birds into your garden?
Thanks for your mahi, Alan! We hope this brings a smile!
The gift of giving …?
The author of “The Gift of the Magi” is O. Henry, a pseudonym for William Sydney Porter.
“The Gift of the Magi” is a poignant short story about a young couple, Jim and Della, who are deeply in love but financially struggling. With Christmas approaching and limited money, each decides to sacrifice their most prized possession to buy a meaningful gift for the other. Della sells her beautiful long hair to buy a platinum chain for Jim’s watch, while Jim sells his grandfather’s watch to buy a set of combs for Della’s hair. In the end, their love and sacrifice underscore the true spirit of giving during the holiday season.
🤔
I would say the story underscores the stupidity of Xmas gifts … after all, it is not YOUR birthday, so how about donating something to good causes and otherwise enjoying being together?
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