Budgeting, Lifestyle, Money Mindset, Personal Finance

Money Mistakes I Made in My 20’s

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, Money Mindset, Personal Finance

How I Saved $232 a Month While Looking for a Job

Hi friends,

Today I wanted to share with you how I reduced my monthly expenses, and talk about whether I’ve noticed much difference in my life. I’d like to thank a brief period of unemployment that motivated me to make these positive changes, some of which were only temporary – if it weren’t for my need to reduce expenses, I might’ve never truly evaluated where my money was going, and what was important to me.

Here’s exactly what I cut back on..

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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)

In 2017, I ticked off one of my bucket list goals: to buy a freehold property. And by tick off, I mean literally – it had long been written in my kikki.k 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 alike. So I’d love to share my home buying journey and what it was like, as a recount of my personal experience.

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