Uncategorized | NZ Muse

April 12, 2017

Investing in P2P loans via Lending Crowd: An experiment

Are you thinking about dabbling in some P2P lending?

I have been, and last year I took the plunge with Lending Crowd after perusing this handy comparison of P2P platforms in New Zealand. Here’s a little recap of my experience so far.

Signing up to invest in P2P loans with Lending Crowd was relatively straightforward. I did have to upload copies of my ID as part of the Lending Crowd investor application, but it was basically instant.

Once you’re all approved, you need to deposit some money so you can start investing in loans – $500 minimum.

Step 1: Click the Deposit Funds option in your Lending Crowd account. This will bring up all the details that you need in order to do a bank transfer – moving your funds from your bank account into the Lending Crowd account, and ensuring they are applied to your individual investor account.

Step 2: Take those details and do the bank transfer.

Step 3: Funds are sent to Lending Crowd, and applied to your investment account.

Then the fun part: Choosing some loans to invest in!

Loans go FAST on Lending Crowd. I started my application on a Friday afternoon, and could see that the one available loan on the market was close to fully funded. I checked in a couple hours later that evening, and it was gone.

Luckily, I got an email early the following week letting me know that email notifications were now available. Sweet, I thought. I don’t have to keep logging in all the time to check if new loans have come on the market! I promptly signed up to get new Lending Crowd loan alerts by email.

A spate of about 5 loans trickled in the next day. But I didn’t have time to actually log in until night time, and by then only 2 were left and both very were close to funded. I’ll sleep on it, I thought. But by morning, both were gone.

The following evening I received another email, and logged in about 10 minutes later. In that short time, about $3k of the $16k loan had already been funded! I pitched in for $50 and left it at that.
The day after that I received another email in the afternoon and logged in immediately (as in, within a couple of minutes). The $3.4k loan had already had $500 in funding. This was a B2 (highest risk )category with 18.74% interest rate!

That was pretty much how it went. You have to get in quick to get in at all. I kept playing the game over the next few weeks. and committed all my $500 to various loans, mostly in $50 lots each. But by the end of the month, I had 3 buys reversed, leaving me with $150 still to invest. (I assume those loans did not wind up going through for whatever reason.) I had to find new loans to invest in, and so even though I created my account in late September, I wasn’t fully invested until about the end of October. I started getting my first repayments in November.

So far, I have had one loan repaid early – in 4 1/2 months instead of 36 months. That loan was at an interest rate of 10.96%. I wound up earning $1.64 on that $50 loan, so it looks like I made 3.3%.

According to my Lending Crowd dashboard, to date my net average return (an annualised rate) is 11.79%.

lending crowd p2p investment returns snapshot

I’m basically leaving that alone now and just checking in every so often. It’s been a fun experiment.

What, if any, have your experiences been with P2P lending?

April 4, 2017

The least feminist post I’ll ever write

The least feminist post I'll ever write - On being a female breadwinner and having a family
After a spate of breakups, I don’t believe there are any couples left in my regular IRL circle with a clear female breadwinner. Just me. It’s a lonely place to be.

One couple previously had a disparity, but have now equalled out, or close to it. Unsurprisingly, they are both happy about this, as it takes the financial pressure off her when it comes to having a family (particularly, god forbid, if pregnancy turned out to be difficult healthwise) which is now officially in the works! They’re working toward him getting a well-paying job so she can stay home with kids like she hopes to.

Every other couple has fallen apart – and money has been a factor for at least some, and possibly all of them. It’s such a common thread, I don’t think it’s a coincidence. There were elements of them supporting, enabling and being taken advantage of by their partners. Okay, maybe that’s a bit harsh; let’s say in every case, the dudes failed to step up and pull their own weight.

There’s also one woman I am acquainted with, who I thought might be a bit of a role model in that regard. There’s a loose parallel in our career paths and we both make more than our partner, but she’s about a decade older with kids. Yay, right? Unfortunately that illusion has been gradually shattered for me, as it’s becoming clearer that he doesn’t seem to contribute his fair share in any aspect of the relationship. And thus, theirs is not one I aspire to emulate.

But even if you have an awesome partner in every way, who pulls their weight overall, but just HAPPENS to earn a lot less….

Any kind of imbalance or inequality in a relationship can be tough to navigate. When it comes to money, it’s just easier if you’re roughly equal earners.

There are the values you think you have, and then the actual feelings you have.

If I’m being honest with myself, I’d love a partner who earned as much or more than me. It’s not the outearning in itself that’s the problem; it’s the flow-on effects.

Where it really becomes an issue is when kids come into the picture.

I don’t need to be looked after – but it’d be nice to have the option, you know?

There are moments where it just feels like a rough deal all round. Not only do I have to make the bacon but bake the bun too? (Worst mixed metaphor ever. Sorry!)

But then again, we couldn’t have predicted this; 7 years ago I thought I’d be a journalist forever and he’d work up to being a qualified tradie who’d earn the bulk of our income. How things change! And who knows what else might happen in the next couple of years?

For now though, I think about the practicalities of eventually starting a family and am discouraged.

The ideal would be if we both individually earned an income that would support a family, but that is not the case. The loss of my income while on parental leave reduces our income by … well, a hell of a lot more than half. And our household income is not particularly high to begin with.

“Doesn’t that worry you?” my best friend asked me recently over lunch as we talked numbers.

Hell yes, it does.

Financially speaking, here’s what me being the breadwinner means if we want to start a family:

1) I won’t be able to take a full year off (which is the norm here). Which isn’t too terrible; six months seems like a reasonable chunk to me and that would be manageable if we start planning ahead ASAP, though it’ll definitely be a stretch. I’m fairly certain I’ll be well and ready to get back to interacting with adults and doing what I’m best at by then!

2) I won’t be able to quit my job and stay home if I change my mind. As above, I suspect I’d be itching to get back to work … but what if I’m not? I just don’t know, is all. It’s pretty unlikely though, so I’m just going to entirely ignore this possibility.

Plus, I can’t help but worry about the off chance that something throws a spanner in the works healthwise.

Everything might work out if everything goes to plan. But what if I have health issues in pregnancy, like some of my current and former colleagues? What if I need to give up work earlier than planned or return later than planned?

Between biology, the work world, parental leave law (less than minimum wage for approx 4 months here), a society centuries in the making … no wonder it’s so hard to break the mould of men working and women staying home. (Not all of us aspire to entrepreneurship, remember.) It’s just not set up for it.

There’s the long game to consider as well, which didn’t even occur to me until a friend pointed this out to me: Add in the fact that often 1) women earn less than men do in the same job 2) have to spend more on certain things by way of being female 3) live longer and thus need more saved for retirement. Ouch.

I don’t mean this to come off in a whiny, woe-is-me way. I feel like a bad feminist just for writing this all out (hence the title); I feel like I should be loudly and proudly proclaiming that I can and will do it all! Especially when I’ve been slammed on Facebook in the past for even daring to suggest otherwise, when I shared a link to a post that talked about how unrealistic it is to expect to have it all.

We’ll muddle through, I’m sure. One way or another – we’ve got time to figure it out. I’ve been running some numbers here and there. But this is one financial area where I want to leave as little to chance as possible.

March 29, 2017

How to find last minute travel deals

how to find last minute travel deals

Sometimes last minute travel deals are absolute steals. Even though my life isn’t really well suited to spontaneous trips (work, house, pets – my carefree days are behind me) I’m still subscribed to way more travel mailing lists than I should be…

While I’m going to mainly talk about New Zealand-centric last minute travel deals below, for international readers, there’s always Lastminutetravel and you most likely have your own country-specific versions!

Last minute flight deals

Grabaseat is the home of cheap seats on Air New Zealand flights. I wake up to emails from them every morning, but it’s probably best to follow them on Twitter as well!

Last minute hotel deals

I’ve used these a few times before, specifically for staycations. I do like the idea of the mystery deals as advertised by Stay Promo, when you book an amazing discount on an unknown hotel that’s revealed AFTER you make the reservation. If you’re willing to put in the time to do some sleuthing, though, you may very well be able to deduce what the hotel is based off the information they do provide about their facilities/location! Lots of websites offer these – I will like to recommend you to Visit the S15 Hotel Website & Book Direct.

Last minute rental deals

One thing I have yet to do is take advantage of a car relocation deal through the likes of Transfercar. They’re great for backpacker types with flexible schedules. When visitors rent a vehicle (a car, a campervan) and drive one way from one end of the country to the other, someone has to bring it back! And that could be you, if you can arrange your own way there. How it works is that you pick it up, have a set amount of days (and kilometres) to drive it back to the home base, and pay nothing or very little for the rental. Sometimes fuel (and ferry fare if it’s interisland) may be covered too. To be fair, you won’t really have time for sightseeing but if you’re on a super strict budget, it’s not a bad option.

*Part of Financially Savvy Saturdays on brokeGIRLrich.*

March 25, 2017

Link love (the exhaustion edition)

NZMuse - Link love roundup with awesome reads from the week

Last week I raved about the book I’m currently reading: The Secret Currency of Love: The Unabashed Truth About Women, Money, and Relationships.

Having finished it, I wanted to share a few more quotes that really stood out to me:

Because I cannot control the instability of my career, I am obsessive about controlling what little I can. The cable bill, the grocery bill, the utility costs.

Growing up I never thought I wouldn’t be able to have two kids because they’d be too expensive… Now I saw clearly how something as impersonal as money could determine something as personal as pregnancy; how, without money, we don’t really have free will to live our lives the way we want to; how even free will isn’t technically free. It comes, like everything, at a price.

It would be ridiculous not to acknowledge that one reason I was attracted to Greg was his willingness to make my life comfortable, to provide for me and any children we might have.

Some women wake up at 45 and realise they forgot to have children. I realised I forgot to make money.

My brain got scrambled by the idea that the pursuit of happiness should not include a pursuit of riches – the fear that filthy lucre, should I ever make it a focus, would transform me into a person I did not want to be.

I’m still awed by how brutally honest these women dared to be in opening up about their emotions and relationships. Truly.

Anyway, TGIF (as I write this). I so need this weekend. I way overslept and managed to somehow get out the door in 15 minutes from the time I leapt out of bed in a panic.

This week’s links

Observations on having money, from someone who never did

I like work, but I love life more

Are you living your story, or someone else’s?

9 things I no longer do with my money

Stop undervaluing your work already!

You don’t have to be Beyonce

On unapologetically wanting to make a shit ton of money:

I’m completely, unabashedly, unashamed at wanted to make a sh$t ton of money. Because I’ve been broke before. Because I’ve struggled. Because I want my life to be easier than it has been in the past.

March 22, 2017

A millennial’s perspective on the Auckland real estate market

auckland real estate rant

Everyone and their hamster has an opinion about first home buyers in the Auckland property market.

Even those who have no freaking idea what they’re talking about. I don’t know why this surprises me. It really shouldn’t.

I may own a house myself but I get SO riled up when this topic comes up. We had a spirited conversation about it at work the other day, and I couldn’t stop thinking about it afterward. Here are my definitive personal thoughts on the matter based on the most frequently asked questions.

Why don’t you just buy an apartment/townhouse?

Banks are tougher on lending when it comes to apartments (especially smaller ones) and then you have to account for body corporate fees.

Apartments and townhouses may have a good reputation for being modern and sought after overseas. Here, they are more synonymous with cheap and nasty. How many apartments/townhouses built in the 2000s here were part of the leaky house epidemic? Not only have those owners had to deal with the costs of fixing their properties, they haven’t seen much (if any) capital gain.

I lived in a neighbourhood where quite a few apartment/townhouse developments sprung up around the same time. I have lived in 3 separate properties in those developments (1 apartment, 2 townhouses). They were cramped, poorly built, with paper thin walls, and ALL OF THEM WERE LEAKY. I didn’t really care as a renter, but I would never buy one to own. In terms of the residents, let’s just say they almost exclusively fell into 2 main buckets and I didn’t love either of those crowds. They have almost become a kind of ghetto in a way, and I believe the same is true in other similar developments around Auckland.

Some of those actual apartments/townhouses can be bought for fairly cheap right now. And I wouldn’t touch them with a barge pole.

What about buying a new apartment or townhouse? Well, I can’t afford them, quite simply. If I did have $700k to spend, I personally would rather buy an older house on more land. As you might have guessed, I’m pretty wary of recent construction in Auckland from my personal experiences. And so many current development projects have been cancelled in the past few months – so if you’re buying off the plans your apartment/townhouse may not actually get built after all.

But a house in my suburb just sold for [dollar figure significantly under the average price] …

Bully for you. Do you understand what average means? Some sell for higher, and some sell for lower. But the average is the average for a reason. (As per previous point – just because something is cheap doesn’t mean you should buy it.)

Everyone expects too much – new houses today are huge!

Yes, new builds today are monstrous McMansions. … but us first home buyers are not really buying them (because we can’t bloody afford them). We are buying 70, 80, 90 square metre houses from the 1960s/70s/80s because those humble do ups are what’s (juuuust) in our price range.

Count yourself lucky – I was paying 20% interest on my mortgage!

And were house prices 8-10 times your household income back then? House prices have ballooned, but incomes have not grown at the same pace. Payments on a $100k mortgage at 20% are still a lot less than a $500k mortgage at 5%.

Why don’t you just resign yourself to renting?

(Oh, I love this one! Let me count the ways…)

Have you ever felt the sheer terror of having to move house because you’ve been given notice to leave? Used up all your goodwill with the boss because you have to keep ducking out of work to go to viewings (because rentals are only ever shown during working hours, unlike open homes)? Applied to countless places only to never hear back because there’s so much fierce competition? Wondered WTF you’re going to do as your last day approaches and you have nowhere to live lined up?

Have you ever opened your wardrobe to find mould growing on your clothes like a rash? Or found a mushroom growing through your carpet?

(Then, my friend, you haven’t truly lived. Let’s swap lives, k?)

Do you dream of owning a pet?

Do you want to have kids, settle down, make a home?

Do you want to decorate, hang things on the walls, paint? Do anything at all to put your stamp on your place?

Do you want to breathe at night?

There is your answer.

(PS – Fortuitously, The Spinoff is running Rent Week right now … a series highlighting just how much renting in NZ sucks. Check it out.)

March 18, 2017

Link love (the all-the-feels edition)

NZMuse - Link love roundup with awesome reads from the week

Some books are life-changing.

The Secret Currency of Love: The Unabashed Truth About Women, Money, and Relationships is shaping up to be one of those for me. It’s a collection of essays by writers about their deepest feelings about money and how it affects their relationships with partners, family and themselves.

There is so much rich ground covered – and I’m only a third of the way in!

Stories so far delve into the realities of dating/marrying men who make less; dating a rich older man and being offered the chance to live a comfortable life as a kept woman; watching the transformation of a partner into a financially responsible adult; the stress of becoming the de facto breadwinner and the relief when that burden is lifted (“fortified with dual incomes, we began to believe that our marriage might stand a chance”).

These tales and their truths may make for uncomfortable reading for some people. Personally, I applaud the courage and honesty and wish there were many more to read. Here are a few snippets that stood out to me:

On romance vs reality

For those of us predetermined to be the breadwinners, it’s more fun to date a man than to marry him. We understand that the more people there are living under our roof, the more it costs us. I am appalled by how unromantic this sounds, but there you have it. The breadwinner will ALWAYS be worrying about replacing the clutch in her car, or paying her life insurance premiums, or if she’s a homeowner, covering all the uninteresting expenditures that go with that.

I suppose that what I am rather ridiculously pining for is the luxury of having someone else pick up the slack. It has always been a girl’s prerogative, hasn’t it? To choose to either make money or not … But being responsible for making all the money all the time means being forever prevented from engaging in the magical thinking that money matters less than love and romance.

On struggling to come to terms with struggle

I’ll never know if something inside of me shifted or if it was the revealing of a truth that was already there, but … I was suddenly and clearly not okay … I told myself that there were people out there who never paid their Con Ed bill on time and still went on to lead happy, fulfilling lives. But the tears still streamed down my face as I sent American Express my last penny and ticked off the days until my next paycheck.

On income and class differences

My three most significant relationships were with a carpenter, a lighting designer, and the furniture maker … At the time I never thought money had much to do with the demise of these relationships. But now I’m not so sure. In retrospect, I think it was troubling to be dating someone who might not be able to take care of me for the long haul.

On knowing when to call it quits

The difference between help and rescue is sometimes difficult to see… I finally reached a point where stretching any further would have done nothing more than take me down with him … The only person I could save was myself.

This week’s links

How to turn your quarter-life crisis around

I hadn’t heard of Jessa Crispin before, and I don’t agree with about 50% of this, but the other half is super thought provoking

The latte factor, poor shaming, and economic compassion

The things that REALLY, truly motivate us

Figuring out when to say yes

On car loans and growing into the person you want to become

3 totally free forms of self-care

The 4 principles of financial success that you can’t ignore

The 2 most dangerous words (when it comes to your money)

Relationships and total honesty

How to stop being afraid every time your manager wants to talk to you (THIS. IS. ME. But for no good reason…)

Treating yourself is not the answer

7 key phrases to use when talking to your boss

On wealth and class in the literary world

It is uncouth to talk too frankly about money to people who have it; it makes them feel self-conscious, guilty, and defensive, as if you are suggesting that they don’t have difficult lives filled with complex problems. And I saw that my friends had strong ethics about, say, not accepting help from their relatives, or which kinds of help it was acceptable to accept. (Direct deposit into bank account: no; down payment on purchase of apartment: yes.)

I, meanwhile, exploited a rule of class struggle: You may lump everyone who comes from more money than you into a monolithic bloc, dismiss their hardships, and, if you wish (one does wish), downgrade your opinion of their achievements by however much seems appropriate to account for the favors, tips, recommendations, opportunities, and inflows of cash without which their talents would not so easily have flourished.

March 15, 2017

In which I try to calculate the costs of retirement (aka, inflation’s a bitch)

How to figure out how much to save for retirement?

I’ll be straight up: I cannot picture being retired. I cannot envision what my retirement will look like. I mean, I imagine it’ll look similar to life now, but with less work and more animal/garden time. But it’s like a channel on TV or a station on the radio that I just can’t seem to tune into clearly.

Nonetheless, I’m taking retirement planning more seriously and trying to figure out this whole saving for retirement thing. Like, plugging in numbers into the Sorted retirement calculator and everything. But I’m getting tripped up on a very basic thing: How much I am going to need in retirement? Figuring out the costs of retirement is proving tough.

For one, inflation’s a bitch. I’ve been using this calculator to do projections – trying to work out, for example, what groceries and utilities might cost in 40 years. It looks like at 2% annually, I can expect any given amount to basically double. At 3%, it would more than triple.

For another, I expect to outright own my home. That said, I will have to keep paying insurance and rates (both are about $1200 a year currently, or $2400 total). And then there’s repairs/maintenance (again, huge question mark there).

Housing in retirement is a huge factor, though. Let’s take a look back at the past 10 years (2006 compared to 2016, which are basically the exact years I spent as a renter) in NZ. The RBNZ calculator suggests there was a 5.3% compound average annual rate increase in the cost of housing over this time period. Definitely gels with my experience – a decade ago you could get a 3 bedroom rental for $350 in my old neighbourhood, nowadays that would get you 1 bedroom…

But then there’s new costs to consider. Fun ones, like travel – will I be spending more on travel? How much? I mean, I could easily spend TONS travelling, but I’ll have to stick to a budget of some sort.

And the not so fun, like healthcare – will individuals be expected to shoulder more of our own health costs in 40 years? Will I have health insurance at that point? Will I be in good, average, or poor health? My mum is going through some health issues right now. She texted me the other day to say she thinks she needs to look into hospital insurance cover, and finally admit she’s getting into her old age.

Tell me your secrets – how are you calculating your retirement needs?

March 11, 2017

Link love (the reminiscing edition)

NZMuse - Link love roundup with awesome reads from the week

Little BIL will soon be taking his restricted licence test.

It’s taking me right back to my early 20s…

You can’t just risk sitting your licence in any old car. I faced a bit of a bind when it came to sit mine. I had to get my licence pretty quickly before university started but didn’t own a car. (So they told me, as journalists often need to head out to chase stories on short notice. In reality, I actually didn’t wind up needing to drive myself places.) At the time I wasn’t really in contact with my parents and our relationship was in a difficult place.

So I borrowed a friend’s car to take the test in, and it was a disaster. The car was an old dunger; I wasn’t used to driving it; it struggled to start on a hill among other things and I think it contributed to my failing the test. (Goodbye, $80 down the drain!)

The second time around I leaned on a different friend who had a much better car, and for that I’m forever grateful, because the drive went smoothly and I passed … just.

And don’t get me started on what happened with our car when T tried to sit his! The douchey inspector actually physically kicked the bumper, insisted the tyres were not inflated enough, and after going down the road to the petrol station to confirm that yes, they WERE in fact inflated correctly, he refused to carry out the driving test because it had taken a couple minutes too long over the grace period you get to remedy any vehicle issues. Even though nothing was ACTUALLY wrong with the car, and it was his mistake in claiming there was. Even though that minute would have been saved in the first place if he, oh, hadn’t taken it upon himself to kick the car as part of his ‘inspection’. Again, $80 down the drain.

It is a privilege to be able to sit your licence in a decent car, and I’ve always thought they should provide vehicles for people to take their tests in who need it.

So I’ve offered up ours to BIL, and I hope he’ll take it up if required.

This week’s links

How to crush your goals on a nonprofit salary

The truth about saving half your income

When saving 50% ain’t enough

Adopting an abundance mindset

How to work when you’re going through a personal crisis

Rich lives, poor lives and financial peace

Lessons learned from family Monopoly sessions:

I’d argue that creativity is pretty underrated in personal finance. This is probably because most people have a healthy fear of personal finance — I know I’m not alone in viewing it as a tightrope act. You go forward, you go backward, but there certainly isn’t room to go side to side. Creativity means a potential for error, and financial error is a terrifying prospect.

But creativity is important because, if done right, it forces you to let go of social norms. So much of how we spend our money is dictated by how the people around us spend money and how we think the people around us spend money. Letting go of the normal gives you more options.

As a very important caveat: thinking creatively about money is a privilege in and of itself. You have to have money to have multiple options in its spending; you have to have time and a roof over your head and internet access to learn about what those options are.

March 8, 2017

Reflections on a year of home ownership

Renting was to me…

Paying more for less every year while paying down someone else’s mortgage

Fighting landlords trying to blame us for things going wrong around the house, from the roof leaking to the shower floor breaking; having no hot water at all for a month due to them being useless

Dealing with frequent and annoying inspections

Never knowing how long you’ll be there

Cold, damp, mould, sick

Owning is to me…

Some idea of what I’ll be paying for 30 years with some of that going into an asset of my own

Less cold, less damp, less mould, less sick

Knowing when we’ve broken stuff vs bad luck/shoddy work and the flexibility to address that however and whenever we want

No inspections and no one to answer to

Knowing we can be here as long as we want and as long as we keep paying

Doing whatever the hell we want to the house

Buying stuff once and for all knowing it won’t disappear or break between the unpredictability of flatmates or moving house

I now pay for housing essentially what I used to earn when I first entered the workforce. I am so thankful to be in a position to afford a home, to have this degree of security. It is a particularly terrible time to be a low-income renter, and there are no signals of that letting up anytime soon.

In a typical week Auckland gains 825 new residents and requires 278 new dwellings. It’s pretty obvious that construction is not keeping up with demand.

I may never own a holiday house (which realistically I’ve never aspired to anyway) but I’m working to create a home I love – not just to come home to in the evenings, but to enjoy through the weekends and holidays too. Sitting out in the sun on my deck is quite possibly the happiest place on earth.

I had a good feeling about it as soon as I stepped into the house. It was a do up, but liveable. Now that I’m coming up on a year, I’m feeling more critical of it than ever, but I’m also very good at identifying what really matters.

Overhauling the bathroom or updating doors and wardrobes – not a priority. New kitchen – yes. Who ever thought tile counters were a good idea? They break and chip like mad, plus the grouting…! I’d also quite like cabinets that shut properly, a non grotty pantry, and a dishwasher. But good things take time (read: cost money). I’m probably only 20% into my savings goal for kitchen renovations.

It hasn’t been all sunshine and unicorns. A few cheaply done things started coming apart pretty early on – but it’s all right, simply more motivation to keep saving to redo this dang kitchen! And it’s getting time to upgrade one side of the fence (the wire chain/link side) to something more sturdy, for our dogs (and the rascally kids next door). Apparently neighbours are meant to split fencing costs – here’s hoping…!

I love home ownership and I am grateful every single day for what I have.

March 1, 2017

You will never be perfect with money

You'll never be perfect with money and thats ok

And that’s okay. 100%!

We are human. Flawed. Fallible. Emotional.

We hoard cash even if it would make more financial sense to focus more on debt, because that helps us sleep at night.

We support loved ones at our own expense.

We buy things we don’t need and maybe don’t even really want.

We chicken out of negotiating.

We fail to do research.

We make impulse decisions.

What matters is that we do our best. Do what’s right for ourselves at that point in time.

And then, we get back on the horse. Forgive ourselves for the past and focus on the future.

The form you have selected does not exist.

*Part of Financially Savvy Saturdays on brokeGIRLrich, and Racing Towards Retirement*

Browsing category: Uncategorized

Investing in P2P loans via Lending Crowd: An experiment

What, if any, have your experiences been with P2P lending?

The least feminist post I’ll ever write