Don't waste your hard earned dollars on crap presents. Put the credit card away and just go and spend time and be present with your friends and family instead.
All by Ruth
How to rock a good spreadsheet...
Many people have requested a look at the spreadsheet that I use, so I have finally created one to share with you and from this you can go ahead and create your own.
End of Year Spruce Up
I spend a lot of time at my computer and my “household spreadsheet” is often open and it was while I was looking at this that I thought perhaps it was timely that I have a bit of a financial spring clean.
Chocolate anyone?
The endorsement that the people of Dunedin and New Zealand gave a Dunedin chocolate maker this week shows that our interest in a company goes far deeper than simply mixing cacao and milk together.
What can I learn from retirees?
I had a chat with a retired couple recently and I was torn between being polite and not too nosey and outright wanting to ask them every nitty gritty detail about their lives. I settled on the middle ground but found myself left wanting.
Compound Interest. MAGIC!
If you were given the choice of receiving $1,000,000 after 30 days OR 1 cent doubled in value every day for 30 days. Which would you choose?
Updates and Things of Interest
A bit of change this week! I’ve curated this post with a few updates and interesting things for you to check out.
Is Commercial Property Investment a good idea?
More people than I can count ask me whether I would buy a rental property, by which they mean a single house which I would rent out. Buying a slice of the commercial building rental market is a much more interesting proposition.
Progress Report on You Can Avoid Student Debt
In November 2016 I wrote about student debt and in that blog I spoke to a young woman who was about to begin a two and a half year course at a tertiary institution. Almost one year on I caught up with her for an update. She had just had a night on the turps so I fed her a high sugar, high fat breakfast as we spoke. Ok, so that part of being 18 still has not changed.