Posts By :

Vaughn Davis

How to turn your New Year’s resolutions into results!

For most of us, the New Year is a popular time to set personal goals and look back on the what we’ve achieved in the last 12 months. But with all the goodwill in the world, it can be hard to turn resolutions into results. People who study behaviour for a living reckon that for a resolution to actually work, it needs to tick five boxes. Happily, the five boxes spell “SMART,” making them not just easy to remember but…

read more
Cheating on your day job: Why everyone needs a side hustle

It’s entirely within the spirit of this blog that I’m cheating by stealing the title from this excellent post by my former colleague Vikki Cheng. In it, she gives the advice that instead of quitting our days jobs we should instead cheat on them. It’s what the young folks these days would call a “side hustle”: following something you’re passionate about while still turning up at the factory day after day to make widgets or whatever it is Mr Fatbucks…

read more
Does loyalty pay? Here’s how to get the most out of loyalty programmes

“Call me loyal”, Dave Dobbyn once sang, and “I’ll say you’re loyal too”. (He also once sang “drink yourself more bliss,” which makes less sense, but we’ll set that aside for the moment.) Loyalty programmes are everywhere these days, and they’ve come a long way from Satan’s original “Eat one apple and get a free eternity of shame and feeling weird about nudity unless you’re Paul Henry” offer. From airlines and groceries to credit cards and even the humble cup…

read more
Forget smart appliances … why smartifying your old ones is the way to go

There’s a lot of buzz around smart homes, smart cars and smart appliances these days. And it can be pretty tempting to look at that big old TV in the corner and wonder if swapping it for a $5000 “smart” model might be a good idea. At Credit Simple, we’re all about living smarter, but ideally without the big price ticket. So what’s a person to do? We reckon buying a “smart appliance” is hardly ever the answer. You’re far…

read more
The cheque’s in the mail: How to make sure your small business gets paid

It’s the 20th of the month, and if you run a small business that can be a bitter-sweet date. On the one hand, it’s payday, and on the other, it’s when all the invoices you owe fall due. Getting paid on time can be the difference between success and failure. So how can you make sure the money turns up? Chances are, at some time in your life you’ll end up self-employed or running a small business. While it’s fun…

read more
Rental arithmetic: Turn your stuff into money without selling it

It’s about this time of year, usually just after the last of the Christmas ham has been scoffed and the cherries are a distant sticky memory, that our thoughts turn to money. As in: how can we have more? And how will that work without grovelling for a pay rise from Bossy McBossface? One solution is to have a good fossick around the house, spy some unwanted stuff and sell it on Trade Me. Which is great, but once you’ve…

read more
You say you want a resolution?

For most of us, the New Year is a popular time to set personal goals and look back on the what we’ve achieved in the last 12 months. But with all the goodwill in the world, it can be hard to turn resolutions into results. People who study behaviour for a living reckon that for a resolution to actually work, it needs to tick five boxes. Happily, the five boxes spell “SMART,” making them not just easy to remember but…

read more
Kayak in the ocean
Job, schmob: Local man explains how he never has to go to work again

No, I haven’t won Lotto (free, related personal finance tip: don’t buy Lotto tickets). But barring some very unforeseen event (or wonderfully attractive offer) I don’t plan to spend another day employed for the rest of my life. That’s not to say I don’t work. In fact, there’s not really a day of the year when I don’t do at least something that earns me money. But, like a heap of New Zealanders now, and a heap more in the…

read more
Ho-ho-ho without the o-o-overdraft

It’s October when I write this, which means it’s been Christmas in retail land for about six months now. While a couple of weeks off in summer in honour of Baby Jesus’s birthday is an attractive proposition for most of us, it can also be a financial time bomb, set to go off when the bills arrive in January or February. So how can you make it through the silly season without spending silly amounts of money? Short of converting…

read more
That will do nicely sir: paying for stuff in 2017

There’s a famous passage in The Hitchhiker’s Guide to the Galaxy when Guide writer Ford Prefect tries to pay for a drink with American Express. The alien bartender is unimpressed with that suggestion, and after threatening to kill him on the spot, points out that his establishment doesn’t accept that particular credit card. Luckily, Ford has an ace up his sleeve, and offers the bar a favourable writeup in the Guide in exchange for free booze. “That,” rumbles the bar-creature,…

read more
  • 1
  • 2