9 year salary journey for a 34-year-old man in the media/TV industry in Auckland2wk ⋅ Mad_Geek ⋅ r/PersonalFinanceNZ
What a fucking relief. I’ve had this CC debt weighing me down since 2013. It was only $5000, but due to earning minimum wage, paying rent, food, petrol and all of life’s unnecessary bills along the way - I was only paying the minimum amount each month. I’m never getting another CC, never.2yr ⋅ fuck3ronson ⋅ r/PersonalFinanceNZ
The real cashback rewards comparison chart for NZ credit cards11mo ⋅ Microsoft182 ⋅ r/PersonalFinanceNZ
Is it unreasonable to expect employers to give pay rises to match inflation at the MINIMUM? My real wage is going DOWN !2yr ⋅ Internal_Magician_93 ⋅ r/PersonalFinanceNZ
My bank’s estimate for our house is (way) below what we bought it for back in April (665k). How worried should I be?1yr ⋅ ares623 ⋅ r/PersonalFinanceNZ
Forget stocks, crypto, property and ETFs. I’m going to go ahead and say this will probably be my most successful investment of 20221yr ⋅ Muter ⋅ r/PersonalFinanceNZ
NZ Supermarkets must really think the consumers are idiots. Gingernuts *Special* 2 for $5, or just buy the two pack on the shelf above for $4.49....3yr ⋅ redopium21 ⋅ r/PersonalFinanceNZ
ASB just inverted all their rates. It is now cheaper to fix for 5 years than it is to fix for 11yr ⋅ aaronjason8992 ⋅ r/PersonalFinanceNZ
How is it legal for newspapers to peddle financial advice based on mere opinion?3mo ⋅ Final_Door_8254 ⋅ r/PersonalFinanceNZ
I reported to CertNZ about Sharesies and they emailed back. Hopefully this might convince them to take action.3yr ⋅ Sid_Arthur ⋅ r/PersonalFinanceNZ
Auckland house prices are already down over 10% (from peak until February) in certain areas according to REINZ data.2yr ⋅ HeyTheWhatNow ⋅ r/PersonalFinanceNZ
All standard ANZ mortgage rates now exceed 7%. Blessed be the prophet.1yr ⋅ TrumpsThirdTesticle ⋅ r/PersonalFinanceNZ
New Zealand probability of recession compared to other countries.1yr ⋅ un_subscribe_ ⋅ r/PersonalFinanceNZ
Petrol price hits $3 at K Road, Auckland.. how high will this go ?2yr ⋅ sonsofearth ⋅ r/PersonalFinanceNZ
Reminder that bear markets are one of the best wealth creation opportunities1yr ⋅ firefly-fred ⋅ r/PersonalFinanceNZ
1986 flashback - term investment interest rates in New Zealand (November 1986)3yr ⋅ turtleattacks ⋅ r/PersonalFinanceNZ
Westpac Airpoints just got a lot worse... Must be because of their record profits... Ha.1yr ⋅ kiwidigi89 ⋅ r/PersonalFinanceNZ
My suzuki swift finally surpassed $100 per to fill. a year or two ago it used to cost me $80.2yr ⋅ Plastic-Astronomer-6 ⋅ r/PersonalFinanceNZ
What’s the thing that comes to mind given your financial situation (e.g. home owner or not) when you see this ?2yr ⋅ Internal_Magician_93 ⋅ r/PersonalFinanceNZ
House prices expected to continue falling for foreseeable future - QV General Manager1yr ⋅ strobe229 ⋅ r/PersonalFinanceNZ
These types of properties are going to be hit the hardest by the crash1yr ⋅ GrandpaRick100 ⋅ r/PersonalFinanceNZ
Grandpa left me 105k shares in Air New Zealand Limited when he passed in 2017. Down about 60% since then since I didn't know how to sell/when to sell etc. What would you do at this point?8mo ⋅ GrannysGreatGusher ⋅ r/PersonalFinanceNZ
Remember: You only lose money if you actually sell when it’s low. Theoretical losses are not actual losses.2yr ⋅ Blackrazor_NZ ⋅ r/PersonalFinanceNZ
Here comes the media campaign against falling house prices. Not a word of truth - this is the BEST time for FHBs if you have no debt and can get a deposit together the bargains will start to appear winter 2023 IMO. Shocking how the RE industry manipulates the narrative.1yr ⋅ willlfc2019 ⋅ r/PersonalFinanceNZ
Screenshot-ing my credit history since moving back to NZ at the end of 2020 (was in Aus for 4yrs)1yr ⋅ zergburger42069 ⋅ r/PersonalFinanceNZ
Why aren't NZ house prices anywhere near reasonable like this?2yr ⋅ exponential-248 ⋅ r/PersonalFinanceNZ
Is this even a legal clause in NZ? It was included in my contract I'm reviewing.10mo ⋅ redbate ⋅ r/PersonalFinanceNZ
Minimum $93k for a service desk role, agency advertised?! I thought SDAs the market was paying $65k. Maybe I’m wrong1yr ⋅ kiwigal0101 ⋅ r/PersonalFinanceNZ
Public Housing in Hamilton. Houses marked in red are owned by the government. Surprisingly a lot for me. Still, there were 23,127 applicants on the Housing Register as at 31 December 2022.1yr ⋅ armaan573 ⋅ r/PersonalFinanceNZ
Stakes broker dealer no longer allowing purchases of GME, NOK, AMC3yr ⋅ Joel_mc ⋅ r/PersonalFinanceNZ
My yearly spending as a 23yr female in Waikato (income 98k) - thought it’d be interesting to share!4yr ⋅ pug-s ⋅ r/PersonalFinanceNZ
I'm making a first home buyer calculator and would love your feedback so I can make it help out NZ's first home buyers.3yr ⋅ ill_help_you ⋅ r/PersonalFinanceNZ
took me years but im finally clean, so many stupid mistakes when i was young3yr ⋅ mendopnhc ⋅ r/PersonalFinanceNZ
The first dot is where I bought. Second is where I sold. Literally not possible have done any worse than that. Lesson learnt.3yr ⋅ i_hope_youre_ok ⋅ r/PersonalFinanceNZ
Inspired by the post a few days ago - Here is my 10-Year salary journey - Info in comments2wk ⋅ CarefulLeague6909 ⋅ r/PersonalFinanceNZ
Auction clearance rates continue to crash, and, no, it's not just the normal seasonal trend. Latest week data is here https://www.interest.co.nz/property/113751/sales-rate-barfoot-thompsons-auctions-halves-over-last-two-months-surge-new2yr ⋅ HeyTheWhatNow ⋅ r/PersonalFinanceNZ
Petrol costs big chunk of take home pay. I'm the tiler that posted for advice having to pay fuel on the old work van to drive to multiple jobs. I raised the issue and myboss has come back with these options. What do you recommend I do? He also had this big talk explaining how our margins are small2yr ⋅ solidbanjoga ⋅ r/PersonalFinanceNZ
For all the people worried about their kiwisavers, just breathe2yr ⋅ Smallstack_ ⋅ r/PersonalFinanceNZ
Started investing exactly one year ago. Have been pretty happy with my choices so far.3yr ⋅ lovethatjourney4me ⋅ r/PersonalFinanceNZ
For anyone who doesn’t bother with KiwiSaver because ‘$500 a year ain’t much’... here’s the KiwiSaver govt contribution (on its own) for someone age 20 investing @ avg 6% return til they’re 65.2yr ⋅ Blackrazor_NZ ⋅ r/PersonalFinanceNZ
This is quite remarkable. We shouldn't be at the capitulation phase yet and yet we are. Wellington could end up 40% down and 55% down adjusted for inflation. WILD!1yr ⋅ willlfc2019 ⋅ r/PersonalFinanceNZ
Mortgages total interest: Me and my partner got approve for 700k home loan. We are new to this to buy our first home. I'm shocked when looking total interest. It shows 502k for 515k loan (Planning to buy 650k and deposit 135k). 515k loan for 20 years has 502k ineterest. Is my understanding correct?1yr ⋅ ResponsibilityLow301 ⋅ r/PersonalFinanceNZ
My Kiwisaver graph is both exciting and terrifying. Started in 2015 and just zeroed for the first home withdrawal.4yr ⋅ S0CIOPATH ⋅ r/PersonalFinanceNZ
April Fools? ‘X just bought Y, please enjoy your fees almost doubling’2yr ⋅ Blackrazor_NZ ⋅ r/PersonalFinanceNZ
After bottoming out at $22 my Agressive investment has now earned a whopping 4 cents. I think we can all relax now guys, looks like the economy will be fine.4yr ⋅ Wompguinea ⋅ r/PersonalFinanceNZ
The NZX 50 is the best performing index of the last 10 years, 14.4% annualized return 🇳🇿📈3yr ⋅ nothrowaway4me ⋅ r/PersonalFinanceNZ
Fixed Rate question - What would you choose loan balance is $147,0003mo ⋅ sonsofearth ⋅ r/PersonalFinanceNZ
is this scam? i dont use vodafone nor spark but these transactions happened within 5 min apart. i havent lost my one and only card either....2yr ⋅ tomatoccc ⋅ r/PersonalFinanceNZ
Sharesies restructure - have the big tech layoffs of the US found their way onto our shores? Thoughts?1yr ⋅ DucksofAucklandZoo ⋅ r/PersonalFinanceNZ
Comparison of nominal median house price increases between Australia and NZ 🇳🇿3yr ⋅ thegolfer2 ⋅ r/PersonalFinanceNZ
Had my first ever sale of shares! I got very lucky here, and I have to admit I'm slightly disappointed I only bought $5 worth, but to turn $5 into $10 feels incredible!4yr ⋅ HayMrDj ⋅ r/PersonalFinanceNZ
Tax Policy Comparison - I've pulled together a comparison of the announced income tax policies that I have seen. Please let me know if you spot any errors. Hope you find it useful3yr ⋅ HeyTheWhatNow ⋅ r/PersonalFinanceNZ
Median sale price down 5.6% in Wellington month on month, down 5.3% after seasonal adjustment. Auckland down 5.1% after seasonal adjustment - REINZ monthly report2yr ⋅ KiwiCB ⋅ r/PersonalFinanceNZ
God daaam nearly spilled my coffee this morning at work lol. What are you buying or researching since it’s bargain season? Started this account January this year.. I was up 1.5k and this morning -12%2yr ⋅ NeedleworkerDue614 ⋅ r/PersonalFinanceNZ
NZX50 comparison of the last 10 trading days since March 4th and the first 250 trading days of the 2008/2009 GFC4yr ⋅ DigiFern ⋅ r/PersonalFinanceNZ
If anyone has fixed rates rolling off soon, or can reserve a rate today - I’d highly recommend doing it today (if ANZ) or in the next couple days as the other retail banks will follow suit2yr ⋅ TraditionAware2948 ⋅ r/PersonalFinanceNZ
$150+ per week from student loan being paid off. I feel like it's going to be hard not to lifestyle scale. Any tips?2yr ⋅ Scarfiees ⋅ r/PersonalFinanceNZ
If the OCR really does get close to 3.00%, then a 30% decline in Auckland property prices could be an optimistic result (optimistic for those who want ludicrously high prices to stay)2yr ⋅ HeyTheWhatNow ⋅ r/PersonalFinanceNZ
Pretty happy with our new solar panels + Electric Kiwi! Free hour of power is awesome.1yr ⋅ adamavfc ⋅ r/PersonalFinanceNZ
ANZ Airpoints Visa Platinum increasing spend per airpoint earned from 20/02/231yr ⋅ NavmanxD ⋅ r/PersonalFinanceNZ
Why do real estate agents change listings from BEO to Price by Negotiation?2yr ⋅ RHSixSixOne ⋅ r/PersonalFinanceNZ
Time to refix our mortgage.. any tips on getting the best deal?9mo ⋅ mister_hanky ⋅ r/PersonalFinanceNZ
Baycorp mail with zero information (reposted to remove customer number)1mo ⋅ jdg_idk ⋅ r/PersonalFinanceNZ
Seasonal decline in homes and rentals, significant rise in jobs advertised3yr ⋅ kiwittnz ⋅ r/PersonalFinanceNZ
Avondale market vs Countdown. No prizes for guessing which cost more..1yr ⋅ NZMalaysian ⋅ r/PersonalFinanceNZ
I’m 20 n I want to venture out on my own, I have the tools and transport and boys who are keen as well but only thing stopping me from doing so is how to quote/bill a client. I have a fair idea but unsure if I’m being a rip off to the client as well as my self and boys by selling ourselves short.1yr ⋅ Omni123456789 ⋅ r/PersonalFinanceNZ
Kiwibuild advertised on Trademe. Have we seen this before, is it a sign KB is nearing the current market for pricing?1yr ⋅ spoilersweetie ⋅ r/PersonalFinanceNZ
Thanks simplicity growth, so a stress free way to invest.... The covid crash now history...2yr ⋅ johnehornblow ⋅ r/PersonalFinanceNZ
Curious to know what banks will do re: negative equity when it comes to refix. Will they apply maximum LEM margin?1yr ⋅ Jaded_Confidence_900 ⋅ r/PersonalFinanceNZ
Things that make you go hmmmm. The RBNZ has printed more New Zealand Dollars this year than the total amount that existed in 2005.3yr ⋅ Jacinda-Muldoon ⋅ r/PersonalFinanceNZ
This is my first job as a legal adult, forgive my ignorance. Could someone inform me what the terms PAYE and Repay Advance mean and how they apply?2mo ⋅ 8ssence ⋅ r/PersonalFinanceNZ
Opinions on my portfolio so far and what else I could add? I’m prepared to hold for 10+ years1yr ⋅ No_Adhesiveness_5669 ⋅ r/PersonalFinanceNZ
Maori authority distributions. What are they exactly & why have Sharesies allocated me $0.00 on 2 consecutive months last year?1yr ⋅ catch_a_kiwi ⋅ r/PersonalFinanceNZ
AU / NZ have the highest residential real estate to GDP ratio11mo ⋅ lets-go-aye ⋅ r/PersonalFinanceNZ
Bloomberg Covid Resilience Ranking Update: NZ falls to 29th. https://www.bloomberg.com/graphics/covid-resilience-ranking/2yr ⋅ redopium21 ⋅ r/PersonalFinanceNZ
