It’s time to renew our annual home and contents insurance. Every year, the renewal arrives, I look at it, and have no idea whether the amount we are insured ootor is reasonable or not. How on earth do I know how much it will cost to rebuild our house? Or what the total worth of all the “stuff” we’ve chosen to bring into it over the last 20 years is? Usually I look at it, shrug, and pay. In the spirit of personal finance, this year it is time to take a deeper look at what we can do. In this post I am investigating home insurance on a building. … Show Me More!
After our expensive year in 2016, we set ourselves a goal to reduce our spending by 10% in 2017. We want to do this because it has a double effect. Firstly, it frees up more money to invest for our future. Secondly, if we can live on less, then it brings that future much closer. In 2016, we spent $80,000. To generate that using passive income and the 4% rule, we would need $2,000,000 invested! Daily Spending Rate May was a return to normal after our holiday in New Zealand. And when I say normal, I actually mean expensive. We had two big bills, and two unexpected expenses. Our daily … Show Me More!
We recently took two weeks to explore New Zealand’s North Island. If you haven’t yet checked out what we did, you can read about our first week’s adventures around Taupo and Wellington, then our second week’s doings around Rotorua, Waitomo and Auckland. As we all know, wonderful holidays often aren’t free. This time I will be detailing how we saved (and wasted) money while travelling through New Zealand’s North Island. Hopefully you will be able to learn from our failures, as well as come away with some ideas for saving. Planning I’m a planner. I like to have lists to tick off, and plenty of time to organise. That wasn’t … Show Me More!
We continue on our adventure in New Zealand’s North Island for the second and final week. To read part one, click here. Day 7 New Plymouth – Hamilton I had enough time to tackle the river walk before we had to leave One Burgess Hill. While the loop walk is a clearly marked path with steps and gravel and boundaries, once you step out over the fence, you are in uncharted territory (OK, not really, but that’s how it feels). I was on a high hillside, looking down a steep slope to the river. A slightly worn path showed where others had made the trek, so gave me some guidance to … Show Me More!
In April, Mr. ETT and I travelled to the New Zealand’s North Island. I won’t torture you with my daily musings on the trip – instead, I’ll be a gracious host and keep it to two posts, one for each week we were travelling. I’ll also have a summary post for the financially minded that will detail the ways we saved (and lost) money on the trip. Why New Zealand’s North Island? Originally, we had planned on travelling to Japan. In preparation, at the end of 2016, Mr. ETT and I both applied for annual leave. Unfortunately, a close family member was taken ill, then passed away early this year. … Show Me More!