Recent Posts

Cook, Eat – Beef Brisket Sliders Recipe

Cook, Eat – Beef Brisket Sliders Recipe

Let’s get feast-ive! Here’s an easy to prep recipe for Beef Brisket Sliders that can slow-cook while you’re at work and will wow even the most hard to please Ladies-a-Plate aficionados. Silver Fern Farms new cut, Beef Brisket is the star of these picture-perfect sliders,…

Cook Eat – Sticky Chicken Bao Recipe

Cook Eat – Sticky Chicken Bao Recipe

Trying something new with an old fave is an easy way to find some much-needed dinner inspo as we cruise into summer and the holiday season. Lee Kum Kee Soy Sauce and chicken are pretty easy to come across in kiwi kitchens, so Dave and…

Black Friday Bliss: One-Stop Shopping online at TheMarket

Black Friday Bliss: One-Stop Shopping online at TheMarket

I first fell in love with the phenomena that is Black Friday when I spent six years living in the states.  Our eldest son was born on the Sunday before Thanksgiving and I was up-and-at-em 5 days later on Black Friday to hit the awesome sales that American retailers are well known for.

I can’t say I’m mad about the fact that this epic pre-Christmas shopping tradition has made its way down to New Zealand.  For me, it encourages planning ahead, shopping early and avoiding expensive panic buying as I run out of time (and inspiration!) in December.

This year navigating the myriad Black Friday/Cyber Monday sales in New Zealand is a lot easier with the arrival of TheMarket, an online destination which has successfully streamlined the kiwi shopping experience across a huge variety of departments.
This is a retail experience with a difference guys – think of your favourite department store, complete with collections from premium fashion brands, as well as a comprehensive toy store, garden centre, tech department and a health and beauty offering to make you swoon.  TheMarket is one of the most user-friendly websites I’ve ever shopped – thankfully (!) as it hosts over 1500 retailers – no-ones go time to peruse THAT many aisles in real time am I right?!

I’ve done a quick swoop of the early Black Friday deals available online at The Market and created a wishlist to (hopefully) keep me focused as I tick off my Christmas list.

Check out my gifting ideas for our family below and HELLO, I’ve got a discount code for you! 

Enter the code BEST20 to get $20 off your first order at TheMarket when you spend $99 or more!

T&Cs – Discount applied when code entered at checkout on TheMarket.com. Saving of $20 off everything with a minimum spend of $99. Excludes shipping costs (if relevant). Single use per customer. Expires midnight Monday 2nd Dec 2019.

This post was kindly sponsored by TheMarket.

Common Sense  Budgeting – Taking the Power Back

Common Sense Budgeting – Taking the Power Back

As I’ve gotten older and grown into my role as a Mum and wife I’ve found there are more than a few things that I’ve gone back to or revisited from an earlier time in my life.  Though we ditched the CDs years ago (thank…

Facing Facts – Change Hurts.

Facing Facts – Change Hurts.

This post has been kicking around in my head for a while. Fuelled by my body getting used to it’s ‘new normal’ over the past few months, I’ve been thinking a lot about what change means in my life and how I’ve finally been able…

Buying Shares 101:  This.  Is It.

Buying Shares 101: This. Is It.

Big news ahead guys.  BIG news.

Before you get too deep in this blog, catch up on how our family has been getting started with Sharesies so far this year; Post 1 > My kids have a share portfolio, Post 2 > Set and Forget – Investing just got easier.

Homework done?  Righto New Zealand families, let’s level up our investing!

When I was at Auckland Uni 20 years ago, I worked for years at a small owner-operated burger bar in Ponsonby you may have heard of, Burger Fuel??? Yeah. It’s quite yum aye?  Anywho, as employees, we were offered preferential purchase of shares when they listed publicly for the first time.  I remember seriously considering the option to buy and then remembering the seriousness of my lack of disposable income as a Master’s student.  I don’t regret many things in my life but taking a chance on a company I knew and loved is something I wish I had prioritised. Hindsight, they say lol.

I didn’t know how to begin investing when I was a student, nor did I know how to begin investing last year when I was a 39-year-old married mother of two.  Oh, how times have changed! Learning the ropes and taking some baby steps through the Sharesies portal during the past few months has been an easy, common sense and seriously accessible way to diversify our family’s ongoing savings.

Our Sharesies portfolios have been growing (helped along by the auto-invest functionality) and just this month, a new investment opportunity has been launched by the Sharesies team.  Everyday Kiwis like you and me can now buy individual shares in publicly listed companies via our Sharesies accounts – just like big-time investors do!

We’ve got some bucket list trips we want to do with the boys (big, expensive trips i.e. South America) so I’m starting to get a savings plan in place.  I’ve got my brand new copy of The Barefoot Investor lined up in the nightstand reading pile, and I am going to kick-start our next trip fund by pulling some money out of our low-interest bank accounts and buying some individual shares – for the first time ever!

Once I started looking at which companies were listed on the NZX, I began to get a little excited.  Some immediately grabbed my attention as they are companies I’ve either worked for or am a customer of – and putting my money with a brand I have an existing relationship with feels right to me.  Other options just make me excited because of their growth potential, ergo, my savings growth potential lol.  Lucky for us novice investors, the historical info provided on Sharesies is presented in an easy to understand, very visual way on my dashboard. 

Ethan (year 10) is saving hard right now for a new computer and wants to time his purchase around his birthday at the end of the year. The ‘upward trending’ graphs of certain investments are proving attractive to him, as well as the fact that he can sell shares, or fractions of shares, whenever he decides is right for him i.e. when he finds the best deal on his computer!

Buying shares feels like one of those ‘grown-up’ situations that mark certain, weird little moments in my life.  I felt this way when we purchased our first brand new king size bed, a new oven to replace the existing one (like, WTH, did our family just ‘wear out’ an oven???), and oddly when we lost our much-loved family dog last week to old age and illness. 

But,  investing is a very positive, grown-up thing to do.  I think the reason buying individual shares via Sharesies feels so different from purchasing managed funds or ETFs as I’ve previously done on the platform, comes down to one word – control.  I can invest exactly where I want, in amounts that are exactly right for me and our goals as a family.

Love it!

Our initial  Sharesies investments in ETFs and managed funds were an awesome way to dip our toes in and get our heads around putting our money somewhere other than a savings account. But now that Sharesies is an NZX participant, I’m totally inspired to diversify our savings even further and I’m so stoked that the boys and I can do it via the easy platform we are already used to.

Buying Shares

I’m legit excited about what this means for other Kiwi Mums, Dads and kids. Access to investment opportunities like this has not been available in NZ before, which is why Sharesies (and I) are so excited about this.  My first official trade was a ‘green’ one which was cool!  I purchased just over 140 shares in NZ Windfarms and the Sharesies transaction fee was only $0.10 – other providers could have charged up to $30 per trade!

Sharesies is removing many of the barriers to investing with their unique platform, letting everyday Kiwis like me invest whatever they can afford.  Over time I’m convinced this will usher in a fresh perspective on how we all think about ‘money in the bank.’

Cook, Eat: The BEST Country Chicken Pie Recipe – Ever!

Cook, Eat: The BEST Country Chicken Pie Recipe – Ever!

The seasonal rain hasn’t yet arrived here in New Zealand but there’s no denying that Winter is here. We are currently enjoying bluebird days but the temps aren’t playing around – she’s cold mate! Along with buying too many jackets and woollen socks (my winter…

Part 1: Making my mental health and wellbeing a priority

Part 1: Making my mental health and wellbeing a priority

I was listening to a podcast about stress the other day whilst driving. As with other episodes I have listened to also published by the uber-empire that is Gwynnie Paltrow’s GOOP, I found myself waiting (wanting?) to hit that cringe-worthy moment, which would spell the…

Set & Forget – Investing just got easier

Set & Forget – Investing just got easier

Check out Part 1 of my investment series in collaboration with Sharesies here

Just like anything, instilling responsible financial habits in both ourselves and our kids takes both time, patience and practice. As I mentioned last month, we began contributing to the boys’ savings accounts as soon as they were born, setting up automatic payments of $10 per week and then essentially ignoring the accounts over the past 14 years. Obviously a very passive approach to saving but one that has easily become a fixture in the family budget.

Now that we are actively teaching the boys about investment diversity with the help of their Sharesies accounts, it’s time to level-up and get them thinking about their money, and where it’s going, on a more regular basis. If kids are earning pocket money, or if they receive money as a gift from friends and family, an easy way to foster a very intentional mindset towards saving is to introduce a spend/save/donate ratio which is in line with your family’s financial strategy. This is easy to implement from a super young age using low denomination coins and different envelopes, boxes or containers for spending, saving and donating.

Applying this practice of regular contributions to existing investments is also worthwhile implementing with our kids’ accounts. Many of us probably pay into our KiwiSaver accounts with uniform deposits via our pay schedules or, manually instigated automatic payments. As of last week, we can now do the same with our Sharesies investments – auto-invest is now live on the platform and it’s so easy to set up!

I’m all about automating as much of our family’s ‘Life Admin’ as possible – especially those voluntary tasks which can be easy to overlook like, savings and investment. I’ve had Christmas Club savings in place for over 10 years now at both a supermarket and The Warehouse and let me tell you, the value-add of decision free, locked-in saving each week results in a massive high five to yourself come Christmas time. Hooking up your Sharesies account with auto-invest is another one of those adult life hacks that you spend 5 minutes on now and end up patting yourself on the back for years to come.

Why use Auto-Invest

  • Sharesies auto-invest helps you stick to an investment strategy that’s right for you. For Dave and I, this means contributing small amounts regularly to each of the boys Sharesies portfolios.
  • Auto-invest helps you build on an investment when you don’t have a large, lump sum to begin with – which is what Sharesies is all about to be honest!
  • With Sharesies auto-invest you can choose between 3 pre-made orders (one of which is specifically for kids accounts) or you can build your own DIY Order.
  • Auto-invest is faster than setting up an AP via internet banking – I’m not exaggerating. I set up auto-invest on both boys Sharesies accounts in under 4 minutes total. The platform is so intuitive and easy I feel safe and confident with what I’m doing every time I log on.

I’m pretty excited about this new offering from Sharesies for a number of reasons, but probably top of the list is that from now on, the boys will be able to see the benefit and growth in their portfolios as a result of regular investing. Getting our ‘foot-in-the-door’ and being able to purchase shares in a way that is accessible and easy to understand is a game changer for families and individuals alike. Now with auto-invest, diversification of our savings investments is just as simple to automate and as free of fees as our Christmas Club at the supermarket (but maybe not quite so boring so I should be able to get the kids to pay attention at least once a month lol).

My kids have a share portfolio – why and, HOW?!

My kids have a share portfolio – why and, HOW?!

I’m partnering with Sharesies over the next couple of months to share our family’s experiences as we dip our toes into investing on the share market for the very first time. I’ve long lamented how painful it is trying to discuss financial ‘anything’ as a…