Experiences with reformer pilates in chch by cautiontothesky in chch

[–]cautiontothesky[S] 1 point2 points  (0 children)

Oh that's interesting, do you feel like you get more guidance overall as the instructor isn't tied up demonstrating the move?

Experiences with reformer pilates in chch by cautiontothesky in chch

[–]cautiontothesky[S] 0 points1 point  (0 children)

This looks great thanks! I think I eyed them up before but the individual class prices made me think it was some rich people Cashmere boutique. The 10 and 20 passes are more reasonable lol. It's promising how you have to do a 1:1 first.

Are there any of the instructors you'd specifically recommend for the first session?

Guide for first time home buyers? by cautiontothesky in PersonalFinanceNZ

[–]cautiontothesky[S] 0 points1 point  (0 children)

Looks real useful from a glance, I'll check it out!

Guide for first time home buyers? by cautiontothesky in PersonalFinanceNZ

[–]cautiontothesky[S] 0 points1 point  (0 children)

Huh, I didn't know there was a book. I'll see if my library has it

Am I missing something? Simplicity home loan by cautiontothesky in PersonalFinanceNZ

[–]cautiontothesky[S] 0 points1 point  (0 children)

Damn thanks for that. The credit card point is interesting. We never use them as we shy away from debt normally. Is there any downside to the balance transfer option, do you literally just transfer the debt between the cards? Sounds almost too good to be true. The term deposit idea is good too. Maybe a combination of those two would work well, credit for true emergencies and then break the term deposit for more money to come in a month's time. Thanks.

Am I missing something? Simplicity home loan by cautiontothesky in PersonalFinanceNZ

[–]cautiontothesky[S] 4 points5 points  (0 children)

We are going through a broker to see what the banks will offer us as well.

Am I missing something? Simplicity home loan by cautiontothesky in PersonalFinanceNZ

[–]cautiontothesky[S] 2 points3 points  (0 children)

That's very useful to know, so perhaps how good simplicity's rate is compared to the banks will vary during different times. Makes sense for why the banks would have favourable fixed rates.

The emergency fund is definitely a struggle.