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In the face of escalating living expenses, implementing strategies to stretch your dollar becomes crucial. Small savings across various aspects of your life can accumulate into significant financial relief. Let’s explore effective ways to manage the impact of rising costs in your home.
Start … View moreIn the face of escalating living expenses, implementing strategies to stretch your dollar becomes crucial. Small savings across various aspects of your life can accumulate into significant financial relief. Let’s explore effective ways to manage the impact of rising costs in your home.
Start by scrutinising your home loan. Amidst increasing interest rates, reviewing your home loan is a prudent step. Beyond the interest rate, consider factors like the loan term, home equity, and how well the loan aligns with your financial goals. This assessment may unearth opportunities to save money and better align your loan with your future objectives. 💸
Examine substantial expenses such as memberships, subscriptions, and recurring costs. Evaluating these expenditures might reveal opportunities to switch to annual payments or temporarily scale back to optimise your budget.
Pooling resources with friends for streaming services is a smart move. Assess your subscriptions and contemplate sharing multi-screen services with friends to make efficient use of your entertainment budget. 📺
Trimming expenses on takeaways is another impactful measure. While convenient, frequent takeaways can strain your disposable income. 🍔 Consider deleting food delivery apps to reduce temptation and explore home-cooked ‘fakeaway’ alternatives for everyday meals, reserving the real deal for special occasions.
Crafting a meal plan can significantly impact your budget. Plan your meals for the week, including snacks and desserts, and cook extra servings for leftovers. This disciplined approach reduces reliance on takeaways during low-energy evenings.
Opt for online grocery shopping to adhere to your meal plan and avoid overspending. Be aware of the day supermarkets update their specials, on say Wednesdays. Make use of your Gold Card at the supermarkets who encourage its use, making it an ideal day to shop and capitalise on new offers.
Energy costs often go unnoticed, but comparing providers and switching to a more economical deal can yield substantial savings. 💡 Leverage your local government’s comparison website to assess providers against your usage rate. Some companies may even offer rebates for comparing and switching.
After optimising your energy costs, implement energy-saving practices. Make small adjustments, such as turning off heaters and appliances when not in use. Consider using fans instead of air conditioners and smaller space heaters to reduce overall heating expenses. An electric blanket can provide warmth on cooler nights without increasing your heating costs.
Review and refine how you organise your finances. Compartmentalise your savings and discretionary spending categories to stay on top of your priorities. Placing non-essential savings in an account with limited access can discourage unnecessary expenditures.
In times of rising fuel prices, comparing petrol costs becomes essential. Apps like Gaspy enable you to find the lowest prices in your area, helping you save on fuel expenses. ⛽️
As interest rates fluctuate, it’s an opportune moment to reassess your financial situation.
Good luck !
Contact me for more real estate tips 0274 951 536 📱
#realestatetips #mattwineerarealestate #tauranga
When you’re hashtag#rentingahouse, it can be easy to think of insurance as your landlord’s problem.
You’re just the hashtag#tenant, right?
It’s important to remember that while you don’t own the place you call home, it’s filled with all your stuff … View moreWhen you’re hashtag#rentingahouse, it can be easy to think of insurance as your landlord’s problem.
You’re just the hashtag#tenant, right?
It’s important to remember that while you don’t own the place you call home, it’s filled with all your stuff 📺📸💿📱🚲⛷️🏂🏌️🏄🏋️👕👖👢👜🏏🏒🎹🥁🖥️(you get the picture) – and that stuff could cost a lot to replace if the worst happens.
For example, if there’s a big fire 🔥, the landlord’s insurance will cover the structural damage to the home but it won’t cover the loss of your clothes, electronics, furniture or anything else you had inside at the time.
That’s where contents insurance comes in.👍 Start by calculating your laptop, smartphone and clothes, plus any big electrical appliances (like a TV or washing machine). Even the cost of replacing your bed, sheets, duvet and pillows might make you wince.
If the thought of having to replace all those items with your own savings sounds painful, insurance might be worth it for you, after all.
Contact me for more real estate tips 0274 951 536 📱
#realestatetips hashtag#mattwineerarealestate hashtag#tauranga
We are open late and throughout the Christmas and New Year period, so come in and sort out your hearing for Summer. Be sure to hear the sausages sizzle on the barby...!
Ready for a festive movie night? Check out our top picks for the Best Christmas Movies for 2023!
Whether you're into laughs, rom-coms, or family fun, we've got your holiday vibes covered. Grab your popcorn and let the Christmas magic begin!
Enjoy the charm of the holiday season by transforming your bedroom into a Christmas wonderland.
The spirit of Christmas will linger from dawn to dusk if you infuse festive cheer into your living room.
Let's make your bedroom a spirited holiday retreat with twinkling lights and cozy … View moreEnjoy the charm of the holiday season by transforming your bedroom into a Christmas wonderland.
The spirit of Christmas will linger from dawn to dusk if you infuse festive cheer into your living room.
Let's make your bedroom a spirited holiday retreat with twinkling lights and cozy throws.
It’s that time of the year when we eat a little too much Pav, watch Love Actually for the umpteenth time then head off on holiday in search of some summer fun with friends and family. As we sign off for the year, we’d like to wish everyone a joyous holiday season filled with warmth, love and … View moreIt’s that time of the year when we eat a little too much Pav, watch Love Actually for the umpteenth time then head off on holiday in search of some summer fun with friends and family. As we sign off for the year, we’d like to wish everyone a joyous holiday season filled with warmth, love and laughter. So, from all our staff and residents, have a very happy holiday and a safe and prosperous New Year.
Thanks to our friends at Ministry of Business, Innovation & Employment and the Ministry of Primary Industries, we're bringing Neighbourly members updates on recent recalls.Click on the item to get the full details.
Lisa’s brand Hummus Chargrilled Capsicum
Value brand Lemonade
… View moreThanks to our friends at Ministry of Business, Innovation & Employment and the Ministry of Primary Industries, we're bringing Neighbourly members updates on recent recalls.Click on the item to get the full details.
Lisa’s brand Hummus Chargrilled Capsicum
Value brand Lemonade
Luv a Pie Butter Chicken pie
Clonbern Kitchen Truffle & Parmesan Beef Sausages
Magnetic Ball fidget toy
Oversized Kids Hoodie blanket
Tegel Chicken Sausages
New World NZ prime beef mince
Mr Beast Milk Chocolate Bar
The Original Paprika & Onion Kumara chips
Electric oil burner
This information is designed to help keep your home, family and friends safe.
Christmas is just around the corner and for most kiwis this means preparing our homes to host a nice warm meal, but for some this can be a really hard time of the year.
Filled with food essentials and Christmas treats, a Christmas Box is a much-needed addition to the table and also a … View moreChristmas is just around the corner and for most kiwis this means preparing our homes to host a nice warm meal, but for some this can be a really hard time of the year.
Filled with food essentials and Christmas treats, a Christmas Box is a much-needed addition to the table and also a much-needed reminder that people care. This year we will deliver 45,000 boxes to those in need but we need your help!
Help us bring hope to the table for those struggling by donating a Christmas Box for just $40 at christmasbox.co.nz.
Get into the festive spirit with homemade gifts crafted by your little ones!
Our list of the top 5 DIY gifts for kids is here to spark their creativity and spread joy. Check it out now!
Struggling to find the perfect small Christmas present? For just $15 each, you can buy Heart Foundation Lottery tickets for family, friends or even good neighbours. Not only will they have the chance to win a stunning Jennian home in Clarks Beach, Auckland, but you are also supporting the … View moreStruggling to find the perfect small Christmas present? For just $15 each, you can buy Heart Foundation Lottery tickets for family, friends or even good neighbours. Not only will they have the chance to win a stunning Jennian home in Clarks Beach, Auckland, but you are also supporting the life-saving work of the Heart Foundation.
If you have a furry friend at home, be sure to submit your entry for this year's Santa Paws campaign - a celebration of the cutest Christmas pets in town!
There's ten great prizes of $100 Prezzy® cards up for grabs - but only a few days left to enter so move fast!
… View moreIf you have a furry friend at home, be sure to submit your entry for this year's Santa Paws campaign - a celebration of the cutest Christmas pets in town!
There's ten great prizes of $100 Prezzy® cards up for grabs - but only a few days left to enter so move fast!
Check out the fantastic entries received so far and don't forget to share your photo today!
Sale now on at Resene ColorShops! For a limited time only save the GST value on Resene premium paints, wood stains, wallpaper and decorating accessories at Resene ColorShops.
Many of us love to transform our home in December to bring in the Christmas spirit. But perhaps you feel you've gone the extra festive mile? We are looking high and low for NZ’s Merriest Home. Is it yours? Let us decide!
Share just one photo below of your house (inside or out) to … View moreMany of us love to transform our home in December to bring in the Christmas spirit. But perhaps you feel you've gone the extra festive mile? We are looking high and low for NZ’s Merriest Home. Is it yours? Let us decide!
Share just one photo below of your house (inside or out) to go into the draw to win the title of NZ's Merriest Home.
The Neighbourly team will choose the finalists but you, our Neighbourly members will vote on the ultimate winner who'll receive the prize of a $600 Prezzy® Card and the title of NZ's Merriest Home. So, go ahead! In the comments below, share your one festive photo to enter.
New hand made clothes to fit the Generation or American dolls
All dresses have lined bodices.
Phone 5776148
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