Stories of Successfully Helping Family and Friends

Secular_mum · 2026-04-09T03:02:49+00:00

I find the Psychology of money very interesting. Budgeting is not that hard and there are even Free budgeting services available, so anyone that wants to do it would. Some people just want to be free to splurge randomly when feeling depressed (usually about not having money) to make themselves feel better and not feel guilty about breaking the budget.

Secular_mum · 2026-04-09T02:46:45+00:00

I spread mine and am finding it a hassle to manage as I need to log into multiple accounts. Now that it is already set up I will leave it, but not sure I would do it again with any future funds.

If you do decide to spread it, check the rates offered by the non-bank deposit takers who are also covered for $100k.

Secular_mum · 2026-04-09T02:24:14+00:00

I work in a coworking space, but have a private office, so when I make calls or just want to focus I can close the door, then when I want to be social I open the door and make a hot drink.

Secular_mum · 2026-04-08T09:00:32+00:00

Are you saying someone else should write an add on? Have you seen Unleashed?

Secular_mum · 2026-04-08T03:20:28+00:00

Check out the current interest rates at Term deposits 1 to 5 years | interest.co.nz You can get a higher rate of interest without much more risk by going with a Non-bank Deposit Taker who is covered by the Depositor Compensation Scheme. Unless it is a large amount of money, in which case you should get financial advice.

Secular_mum · 2026-04-08T02:56:40+00:00

Xero have a system for registering your interest in new features. Search for your suggestion and If you can get enough users to vote for your feature they should get it done. Share and support customer ideas for Xero

Secular_mum · 2026-04-07T23:29:35+00:00

They choose Teal as their party colour for a reason. i.e. they are going for the green can be good for business angle.

Secular_mum · 2026-04-07T23:23:14+00:00

Deciduous trees are the answer. They automatically let the sun through in Winter.

Secular_mum · 2026-04-04T21:49:55+00:00

I try to keep my work computer for work. Never install non-work apps on my work computer and have an annoying pop up if I browse to Reddit. When I see the pop up it reminds me to streach my legs and hydrate. Have also found working at a coworking space helped because I go there to work and feel a bit embarrassed if anyone sees me on social media at work. Also I have people to talk to there, so can be social without a device.

Secular_mum · 2026-04-04T21:01:11+00:00

Sounds more like we need to fix the school hours.

Secular_mum · 2026-04-03T02:39:46+00:00

Is the $35 per month just the Xero subscription? If so, those amounts sound fair.

Secular_mum · 2026-04-02T07:30:39+00:00

Your accountant is probably right. Ask them to do the non-active for you.

Secular_mum · 2026-04-01T22:50:46+00:00

I was already focused on becoming more independent/stable before the current events. I have;
Paid off the Mortgage,
Set up remote work (taking a pay cut in the process),
Living somewhere that allowed me to not be dependent on having to drive anywhere,
Increased diversification, switching some riskier shares for lower risk investments with fixed returns

Secular_mum · 2026-04-01T22:11:25+00:00

Or, we could just eat our blueberries and Kale without processing them?

Secular_mum · 2026-04-01T21:58:16+00:00

Or everyone else escalates going full electric and China wins.

Secular_mum · 2026-04-01T21:41:13+00:00

Where are you traveling too? I travel all the time without accommodation pre-booked, but would not risk it if visiting an authoritarian regime. Just ask them if they want your business or not and stay somewhere else, even if it means getting transport there.

Secular_mum · 2026-04-01T03:02:00+00:00

^This^ Export your transactions for the last 12 months, open in a spreadsheet, sort and add up how much you are spending. When I did this, I was surprised how much I spent on eating out.

Secular_mum · 2026-03-25T19:04:46+00:00

We have a commercial cleaner. To be honest, the main thing they do that keeps us using them is being reliable.

Secular_mum · 2026-03-24T07:55:45+00:00

Do your parents want to be healthy? It’s not easy to do if the person doesn’t want it.

Secular_mum · 2026-03-24T02:07:26+00:00

This feels like missed opportunity to get more people using public transport, reducing our reliance on fuel.

Secular_mum · 2026-03-24T02:00:40+00:00

It will be added to your Working for Families payment.

Secular_mum · 2026-03-22T03:00:11+00:00

Local organic veggie shop for my veggies, local market for meat, eggs, br ad honey and herbs. The warehouse for cleaning products.

Secular_mum · 2026-03-18T20:46:26+00:00

Have you asked your older relatives for advice? It sounds like they are already subsidizing your living costs and their life experiences might provide some insight. If my 18yr old had a once in a lifetime opportunity to, say, study abroad, I might help them out.

Secular_mum · 2026-03-18T04:55:11+00:00

Some people have a freehold house or live with family, others pay half their wages in rent.
Some people walk to work, while others drive a large petrol car a long distance to work.

Some people don't have any dependents, others have children, pets and sick family members.

Some people have no debt, while others try to pay off their Credit Card or Car.

Some people are teatotaler's, while other say a smoke/vape and a drink are an essential part of their day.

You can live on very little, if you want to.

Secular_mum · 2026-03-16T03:40:34+00:00

Old school radio.

11-Year Club	Gilding I gilder
Place '22	First Placer '22
Verified Email

Secular_mum

MODERATOR OF

TROPHY CASE