retire2asia

job-free at 37

Month: August 2019

Do rewards credit cards work in New Zealand?

I’m turning 31 this year. I’ve made it this far in my life without a credit card. I’ve always viewed them as evil. My accounting teacher in high school told us having a credit card is fine as long as you pay it off in full at the end of every month, but I didn’t understand why you would do that instead of just using your EFTPOS card (for overseas readers, this is how us kiwis ditched cash long before debit cards became a big thing).

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Changing Checkout Lanes

I was at the supermarket a couple of weeks ago, waiting in line to have my groceries scanned and bagged, when I noticed a guy at the next checkout over anxiously looking around. Now, he could have been doing this for any number of reasons but what it looked like – and the conclusion I immediately jumped to – was that he was looking to see if he’d get through faster if he swapped to a different checkout.

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Environmentally Independent

This is a blog about personal finance, particularly looking at financial independence. When you start cutting expensive waste out of your life, it’s impossible to not also notice that you’re being a lot kinder to the planet. Now, I don’t know that we’ll ever be what I suppose would be called “Environmentally Independent”, which would be a mixture of being zero waste and also having net personal greenhouse gas emissions of zero or less. But I can share some examples of how our journey towards financial independence has made us much less harsh on the environment.

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Net Worth – August 2019

We saw some good net worth gains in July. I don’t know whether this is because our government KiwiSaver contributions arrived (I don’t think it was but haven’t bothered to look at the blow-by-blow report to see), but hopefully those are still to come this month.

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