Lifestyle, Money Mindset, Personal Finance

My Favourite Personal Finance Books

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Hello friends,

Today I’m excited to share with you my all-time favourite personal finance books!

Sure, I could talk about Rich Dad, Poor Dad or The Four Hour Work Week, like most people do, but I’d rather not. Rich Dad, Poor Dad is extremely vague, unhelpful, and dated, while The Four Hour Work Week was written by a fraud & sociopath. I mean, come on – at one point, while discussing how he outsources his work and exploits human labour, Tim Ferriss actually writes “I would tell you how to do this, but I don’t want to. I want to watch Family Guy. So the next part will be written by my virtual assistant.”

What the fuck?

(Not at the outsourcing; at the arrogance. He then shares the story of a man who uses his virtual assistant to talk to his wife on his behalf and help with their deep-seated marital problems.)

He also boasts of his achievements & titles and how he gained them without actually earning them. It’s not about the journey for him; it’s all about the destination. At one point he encourages his readers to take notes from books on a certain topic, give a talk at a university, go to a Fortune 500 company and say that they’ve given a talk at the university, give a talk at the Fortune 500 company, and in doing so, be able to say, “I’m an expert who has given a talk on so-and-so at a Fortune 500 company.” You’re kidding me, right? You’re encouraging and empowering people… To be frauds?

Now that I’ve had a spontaneous intro rant, I’d love to share with you the books I did enjoy, as well as the real ways in which they’ve impacted my personal finance journey. Here are my 6 favourite personal finance books!

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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, 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)

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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