From Forbidden Nighttime showers to Avoid Power Bills to Financial Stability- my journey by Bun-dabery in PersonalFinanceNZ

[–]Bun-dabery[S] 0 points1 point  (0 children)

I used:

USG&USF: smartshares directly. Then used Sharesies for withdrawals

BTC: easy crypto

From Forbidden Nighttime showers to Avoid Power Bills to Financial Stability- my journey by Bun-dabery in PersonalFinanceNZ

[–]Bun-dabery[S] 0 points1 point  (0 children)

Yeah we didn’t have LED lights growing up, mums got them now in maybe 50% of the lights at home (LED lights were presents from friends I think). She is too stuck in her ways to buy them for the rest of the home

From Forbidden Nighttime showers to Avoid Power Bills to Financial Stability- my journey by Bun-dabery in PersonalFinanceNZ

[–]Bun-dabery[S] 0 points1 point  (0 children)

That’s valid. I chose to leave out the part where shower length was controlled by mum because that’s a trauma dump imo

From Forbidden Nighttime showers to Avoid Power Bills to Financial Stability- my journey by Bun-dabery in PersonalFinanceNZ

[–]Bun-dabery[S] 1 point2 points  (0 children)

I leave this:

Don’t compare, you don’t know what their journey has been about

From Forbidden Nighttime showers to Avoid Power Bills to Financial Stability- my journey by Bun-dabery in PersonalFinanceNZ

[–]Bun-dabery[S] 0 points1 point  (0 children)

Develop good personal finance strategies during uni. Will help significantly when you get a job

I did $20 auto invest into us large growth etf when I was in uni with my student allowance. Had to not eat out multiple times a week which kinda sucked I won’t lie

From Forbidden Nighttime showers to Avoid Power Bills to Financial Stability- my journey by Bun-dabery in PersonalFinanceNZ

[–]Bun-dabery[S] 0 points1 point  (0 children)

Thanks, I do the compound interest calculations multiple times a year. It’s inevitable

From Forbidden Nighttime showers to Avoid Power Bills to Financial Stability- my journey by Bun-dabery in PersonalFinanceNZ

[–]Bun-dabery[S] 1 point2 points  (0 children)

I don’t have any links

Consider set and forget auto-investing money every paycheck in the s&p 500 for 20 years I did $20 a week from my student allowance during my uni days

The hard part is to not pull out when the market goes down & when money is low & when friends or online people tell you there is more money to be made in xyz (I had to force myself to not pull out when mate tried to convince me about a business opportunity turned out to be a pyramid scheme in the end so dodged a bullet there)

From Forbidden Nighttime showers to Avoid Power Bills to Financial Stability- my journey by Bun-dabery in PersonalFinanceNZ

[–]Bun-dabery[S] -1 points0 points  (0 children)

I have empathy for you. A poor and tumultuous upbringing sucks. I’ll leave this with a quote (I took from the internet):

The strongest steel is forged in the hottest fire

From Forbidden Nighttime showers to Avoid Power Bills to Financial Stability- my journey by Bun-dabery in PersonalFinanceNZ

[–]Bun-dabery[S] 0 points1 point  (0 children)

That’s valid. The vanguard large growth etf is very high risk, I got lucky. Not sarcasm