The Happy Saver Podcast - Personal Finance in New Zealand
የቻናል ዝርዝሮች
The Happy Saver Podcast - Personal Finance in New Zealand
Your friends might not want to talk about money, but I do! Hi, I’m Ruth and I’m a blogger on Personal Finance and in this podcast I tell the stories of Kiwis and their experiences with the money in their lives. How do they use it or how does it use them? Where do they save and invest it and does it...
የቅርብ ጊዜ ክፍሎች
103 ክፍሎች
112. Resilience, Balance, Community, and Happiness
This week, I’m sharing the story of Rachel, a 90s kid from Timaru. Rachel is the youngest of four, with three brothers, and a ten year gap between her...
111. Moving Closer to Financial Independence
In today’s episode, I spoke with Marian, who in turn spoke on behalf of herself and her husband, Jon. Originally from the Netherlands and now based in...
110. No More Using the House as an ATM
Today’s guest, Gail, has been on quite the financial trip and she’s still very much on it. Back in 2019, at age 41, she experienced a wake-up call. Sh...
109. Putting Up Some Financial Scaffolding After 50
This week's podcast is all about 51-year-old Julian. We picked up the phone for a good old kōrero in late June 2025. Let’s just say, if talking were a...
108. Living by Design, Not by Default
In today’s episode, you’ll hear from an awesome couple, Kate and Taka, aged 33 and 34, who are doing life and money a little differently, and doing it...
107. Revisit with Hamish: An investor with military precision!
This is a revisit episode, I enjoy doing these because I like you wonder, “Whatever happened to…?” I last spoke with Hamish in 2021, Episode 50, An In...
106. Revisit with Neil: A Financially Complicated Breakup
This episode revisits my August 2022 conversation with Neil in Episode 69, A Financially Complicated Breakup. Now 52, Neil has lived in New Zealand fo...
105. A Lumpy Journey – No Need to Go Anywhere in a Straight Line
In this episode, I chat with Tracey, a long-time reader and listener of The Happy Saver who first came on my radar through her detailed Debt Free Ques...
104. I Have Stopped Sleepwalking Through My Finances
After my long kōrero with Sammy to prepare this episode, my head was spinning from all the twists and turns of her story. After 57 years of personal a...
103. 20-Year-Old on the Path to Financial Freedom
In November 2024, I attended Black FI-Day, New Zealand’s first financial independence hui. Nearly 40 people gathered for this three-day event to share...
102. Once you have won the money game, stop and enjoy life.
Today, I’m sharing the financial ins and outs of Alan and Katie Donegan, the world-travelling English couple behind Rebel Finance School. Over the yea...
101. Pushing Themselves - Financially Going For It!
I first met today's guest, Ajith, when he emailed me with a couple of questions back in 2024. He’d come across The Happy Saver while on the hunt for s...
100. A Solo Journey to Financial Independence
In mid-October 2024, I brewed a coffee, sat down, and gave Poto a call. She’s been a long-time listener of the podcast, drawing on insights from past...
99. Work, Life, Balance: With Plenty of Free Time!
This week, I’m making a bit of an exception and chatting with someone who was a bit reluctant to talk about money. Which is ironic, given this is a po...
98. Life and times of a property investor, turned global traveller.
In today's episode, I will be sharing the financial journey of Jack, a Kiwi from the lower North Island. Jack found The Happy Saver when he was search...
97. Revisit with Chris and Rosemary: These two are not mucking around!
Today’s episode is an update on North Island couple Chris and Rosemary. Their first episode came out in March 2021 — it was episode number 49. Since t...
96. Reality Check
Today's episode began with an email from a Kiwi couple in their mid-40s, who asked to be called Tokyo and Rio, inspired by the show Money Heist. Tokyo...
95. On the Verge of Lasting Change. Hopefully.
When I received an email from a guy called John saying that he and his wife Betty have gone from being terrible with money and trying (unsuccessfully)...
94. Continuous Improvement
Ruby stumbled across The Happy Saver in October of 2022, prompting her to email me with a couple of questions. She’d recently signed up with Sharesies...
Part 6: INVESTING
Congratulations, you have made it to the final episode of this series of six: INVESTING. Investing can be incredibly complex, but I found a way to sim...
Part 5: DEBT FREE
Get out of debt, and stay out of debt. I think of debt as a phase of life that I moved through. That period has passed, and I’ve moved on. Jonny and I...
Part 4: KIWISAVER
The fourth part of this six-part series is one of the easier topics to cover, KiwiSaver. Joining KiwiSaver is a no-brainer, and it still surprises me...
Part 3: EMERGENCY FUND
The best thing I ever did was set some cash into a bank account, which we could instantly access in a financial emergency. It is an amount of money se...
Part 2: BUDGET
In the first episode in this series of six, I quickly showed you how to calculate your net worth. It will take a little longer today, but I want to ex...
Part 1: NET WORTH
Welcome to the first episode in a short six-part series. On my blog, thehappysaver.com, I created a comprehensive Financial Independence Series of six...
93. Revisit with Nic: In the process of making a financial U-turn!
Today, I have an update on Nic from Episode 78, released in March 2023. A lot can happen in a year, which I wanted to share with you today. When Nic a...
92. An adventurous 19-year-old
I met 19-year-old Josephine in mid-2023 when she emailed me with some questions about money. I actually already knew a little about her because her Mu...
91. With only $100 in the bank, something had to change.
In early January, I was lucky enough to have a long chat with Grace, who is now in her late 20s. Grace has been following my podcast since 2019, which...
90. Revisit with Bradie and Paul: The First Year of Early Retirement
I’m particularly excited about today’s podcast because it is a revisit episode with Bradie and Paul. This is actually the fifth time we have caught up...
89. Creative Planners Working Towards a Retirement of Plenty
I chatted with Isobel and Sam for almost three hours on a sunny Sunday afternoon. As with all of these interviews, straight out of the gate, we were i...
88. Birds of a Feather Flock Together
In this episode, I’m going to be sharing the experiences of Scott and Jane. This couple are from completely different backgrounds and also from differ...
87. My Partner Died Without a Will
Today I am really looking forward to sharing the financial ins and outs of Rachael, a wonderful wahine who has been listening to this very podcast for...
86. You can’t live with a lifestyle that is above your income.
The standout for me today is how quickly you can change your financial lot in life simply because you decide to. Helen and Scott are 45 and 42 respect...
85. Revisit with Kiri: The Rollercoaster Continues
I’ve been corresponding with Kiri for about five years now. Those back-and-forth email conversations eventually led to me picking up the phone and cha...
84. Early Retirement: But still working stuff out.
Today, I have the pleasure of sharing the story behind how Tony and his wife Karen came to create a net worth of $2.8 million and retire aged 49 and 5...
83. Iron Fisted Lucy
Lucy, Steve and their two teenage children openly talk about money in their family. It comes from them trying to make sense of their complicated finan...
82. From Paycheque to Paycheque to Home Sweet Home
In this episode, we hear from Jess, a single 52-year-old woman who reached out to me in early 2022 when she sent me a lovely email telling me she had...
81. Turning good opportunities into reality!
I met 29-year-old Dylan when he heard my call out for younger people to get in touch and share their stories with money. Through luck and good timing,...
80. Young, Bright, and Financially Wise
In this week's episode, I wanted to revisit an earlier episode with an update on Nathan from episode 71, and introduce a new guest, Sam, a 16-year-old...
79. I'll drink to that!
I’m looking forward to telling you all about 37-year-old Tui. She described herself as someone who has worked hard to get her financial house in order...