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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78.3% Yes! It's better to regift what I don't need
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21.7% No. It's the thought and effort that matters
Neighbourhood Challenge: Who Can Crack This One? ⛓️💥❔
What has a head but no brain?
Do you think you know the answer? Simply 'Like' this post if you know the answer and the big reveal will be posted in the comments at 2pm on the day!
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🌱✨ Now Enrolling for 2026 — Spaces Filling Fast!✨ 🌱
Looking for a nurturing, community-focused preschool where your child can grow, explore, and shine?
At Cotswold Preschool & Nursery, every child is embraced as a valued part of our Whānau. Our caring, experienced Kaiako create a supportive environment where Tamariki build confidence, independence, and a lifelong love of learning through play.
💛 Small, welcoming group sizes for personalised care
💛 Rich play-based learning that inspires creativity and curiosity
💛 Strong Whānau partnerships and community connections
💛 Passionate, dedicated Kaiako who truly know and understand your child
📍 Proudly located in the heart of Bishopdale, offering a safe, inclusive, and loving space for all families.
37 Colesbury street - down the long driveway, just follow the river mural!
👉 Come visit us! Message us today office@cotswoldpreschool.co.nz or pop in anytime — we’d love to meet you, show you around, and chat about how we can support your child’s journey in 2026!
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