Lifestyle, Money Mindset, Personal Finance

What We Did With A $6K Pay Rise

Hello friends,

In September and October this year, my partner and I both received a pay rise in our respective jobs. As you may have guessed from the title, it was approximately $3000 each – a $6000 increase in our joint gross income. Hooray!

Today I’ll be sharing with you what we did with our extra income and how we chose to be mindful with this money.

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Budgeting, Lifestyle, Money Mindset, Personal Finance

Money Mistakes I Made in My 20’s

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Hello friends,

Today I’ll be sharing with you some personal finance stories from my 20’s – or shall I say, my early 20’s!

This topic has often been on my mind, but I’ve always been a little hesitant. As a believer in the Law of Attraction – which encourages manifestation of your best life through thoughts, actions & beliefs grounded in positivity, gratitude, and living in the present – it has always felt unconducive to dwell on the past and on mistakes.

But, I believe reflecting on the past can be incredibly valuable. If you look back on your past self and dislike who you were, or where you were in life, it’s a sign that you’ve grown and become a better person since then. Your growth is what makes it possible for you to have that realisation. It’s the same with personal finances.

So, I’d like to introduce you to the hot mess I was in my early 20’s, and the freeing changes I’ve made since. You could even call it my own financial #glowup! Please note these are definitely not all overnight fixes; whether they’ve taken weeks, months, or years to improve upon, they are all things younger me could have done better over the last 8 years. By the way, do y’all like my cute 90’s inspired scrapbook collage?!

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Budgeting, Lifestyle, Personal Finance, Wedding

Creating Our Dream Wedding | Chapter 4

Wedding Invitations Ruby Chocolate

Hi friends,

Welcome to Chapter 4 of my wedding series!

Last month, I shared how my fiancé and I are managing our wedding finances. Today I’m excited to elaborate on this topic and why we’re creating a new budget, as well as other progress we’ve made with our upcoming wedding.

In July, we

  • created a new wedding budget / savings plan
  • customised and received our wedding invitations (!!!)
  • booked the videographer for our Queenstown ceremony
  • ordered my wedding reception dress

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Lifestyle, Personal Finance, Wedding

Creating Our Dream Wedding | Chapter 2

Hi friends,

Welcome to Chapter Two of my wedding series!

May was an expensive and eventful month, one full of wedding accomplishments. Some of these include:

  • paying off our honeymoon
  • booking our florals, lighting, decor, and photography
  • ordering my wedding dress

…And attending two amazing wedding shows!

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Budgeting, Money Mindset, Personal Finance

How I Save Money on an Inconsistent Income

Hi friends,

Today I’d like to share with you how I save money on an inconsistent income. Just a few years ago, I’d rely on $1400 to hit my bank account every fortnight – and it did, each and every fortnight without fail. Even then, my income regularly fluctuated because I volunteered for so much overtime and, twice a year, received a performance bonus – but it was positively inconsistent in that I could always rely on at least that amount or more. It was blissfully easy to budget.

Fast forward to 2019, and I’m sure those of you who are freelancers, self-employed, contractors, or run a side business can relate to earning a wildly inconsistent income. It started in 2018, when I had six sources of income, one of them being a part-time job that would give me 21 hours one week, 4 hours the next; another being photography, where one month I’d shoot two events and others where I’d shoot none.

Here’s a snapshot of my income now:

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Budgeting, Personal Finance

How I Saved $232 a Month While Looking for a Job | One Year Update

Hi friends,

A year ago, I wrote a blog called ‘How I Saved $232 a Month While Looking for a Job. It was well received, and I was especially delighted to hear from others who could relate to my situation of saving money through big life changes (whether or not they were job related)!

The six expenses I cut or reduced were:

  • Spotify Premium
  • LinkedIn Premium
  • Mobile phone data
  • My gym membership
  • Office 365
  • My mortgage payments

Of these I have four updates to share, so today I’d like to share with you how I’m doing one year on.

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Lifestyle, Money Mindset, Personal Finance, Purpose & Passion

The Six Ways I’ve Made Money This Year

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Hi friends,

It’s only the end of September, yet so far, 2018 has been a very interesting year for me – in life, in love, and in finances. A few years ago, like most people, I worked full-time and had one income, but this year so far, I’ve earned income from several different sources – six to be exact. Today I’ll share with you these six ways I’ve made money this year.

First, let me take you back to last year, 2017 – where I lay the foundations for where I am today. Let’s go in quarters, shall we?

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Homeownership, Money Mindset

First Steps You Can Take Today Towards Buying a Home in NZ

Hi friends,

Recently, I shared my personal home buying experience in Auckland, and at the end, I share a few helpful resources that I used. Today I’d like to expand on these, and share a few steps I’d recommend if you are an aspiring homeowner in New Zealand.

It can be overwhelming with the amount of information out there, so hopefully I can condense and simplify some of it for you. Some of these, like Kiwibuild, are extremely new developments that didn’t exist when I was looking to buy a home, but now do, thanks to our government. Aren’t we blessed to have access to such a wealth of resources and support?

Without further adieu, here are steps you can take today towards buying your first home. I hope they help!

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Lifestyle, Purpose & Passion

What’s on Your Reverse Bucket List? | My Goals & Dreams

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Hi friends,

Have you ever heard of a reverse bucket list? While a bucket list is a list of everything you want to do before you die, a reverse bucket list is simply the opposite. It’s a list of amazing things that you’ve already achieved and experienced.

My kikki.K bucket list book is very dear to my heart. A brief stay in hospital in 2015 inspired me to purchase a timeless journal to write down all my goals, dreams and aspirations – where I want to travel, milestones I want to achieve, concerts I want to go to, and more.

It’s fun to read over it when I’m going through a rut and feeling ‘blah’, sometimes adding to it – but now, I realise that it tends to constantly keep me focused on the future. Future goals. Future plans. Future achievements. Why not also count and celebrate everything I’ve already achieved?

If you’ve got 5 minutes, I invite you to take a moment to be mindful and grateful with me. Here’s my reverse bucket list; I’d love to hear what’s on yours. ❤

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Homeownership, Lifestyle, Money Mindset, Personal Finance

My Personal Home Buying Experience (Auckland, NZ)

Last year, I ticked off one of my bucket list goals: buy a freehold property. And by tick off, I mean literally – it’s long been written in my Bucket List Journal, alongside goals like ‘Go to Japan’, ‘Try anti-gravity yoga’, ‘Go to Tomorrowland in Belgium’ and ‘Fly a plane’. Needless to say, it was a dream come true!

After I shared the news, I got asked more or less the same questions from friends & acquaintances. So today I’d love to share my home buying journey, as a recount of my personal experience – ie. I’m not writing this from a place of trying to give financial advice, but from human to human to share what it was all like.

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The first thing I did was educate myself on KiwiSaver and how it can help you to buy your first home. I researched the eligibility criteria and house caps, then went ahead and applied for the HomeStart Grant. Since I’d been contributing to KiwiSaver for over three years, I was confident I’d be accepted. So when I received my pre-approval, I was ecstatic!

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