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  • Link love (Powered by tiny feet and comedy acts)

    When I have kids, you can bet that they will be a good few years apart in age.

    T and I spent Anzac Day with his three nieces and one nephew. The older two are in double digits, just, and the younger two around 1 and 2. The littlest is EXHAUSTING. He runs absolutely everywhere and doesn’t seem to tire; most of our excursion to Western Springs (a park surrounding a giant pond/lake filled with ducks, swans, eels and other aquatic life) was spent chasing his speedy little person as he hurtled toward the water. His sister is about a year older, and, thankfully, a little calmer. One adventurous pair of pattering legs is tiring enough to keep up with.

    My brother and I were six years apart, which I think was too much. I have to admit, I was kind of a bad sister. I had (and still have) pretty much no experience with younger children. And I was horrible to him; for the most part, I didn’t want anything to do with him at all. I remember lots of yelling and hitting, though for the life of me now I couldn’t tell you what one of those fights was about. So every time T berated one of the older girls for not helping out with their siblings, I couldn’t help but feel guilty for how selfish I was back in the day.

    CARNIVALS THIS WEEK

    Thanks KNS Financial for hosting last week’s Yakezie carnival! He included my post on employment and independence.

    And Jacob at My Personal Finance Journey hosted the Totally Money carnival, along with my post ruminating on how winning the lottery (even though I don’t play) would change my life.

    LINKS

    Every aspiring pro blogger should read this post on getting better paying gigs.

    Diary of Why on the things she wishes she knew back when.

    Five no cost/low cost ways to upskill, at Fabulously Broke.

    Red Lips and Academics on the new generation between girlhood and womanhood.

    Cassie at Digging Out and Up on how envy can be dangerous to those in debt.

    Koreanish says there’s a good chance you’re not writing because you’re not writing about what you actually want to write about.

    Confessions of a female ex-lad mag editor.

    Scary, sobering, craziness over Klout. *smh*

    Lindy at Minting Nickels shares some lessons on buying a new car.

    A sweet chili chicken rice bowl from Closet Cooking.

    Poor Girl Eats Well shares a recipe for spicy Thai basil beef.

    Smitten Kitchen whips up some classic ice cream sandwiches.

    Finally…

    I was approached by Alan Akina of Hawaii’s 101 Financial this month, who’s launching an e-book on personal finance for the working middle-class. It’s short, digestible and comes with worksheets and links to videos (warning: there is, IMO, excessive life-storying to wade through before the practical stuff kicks in, if you want to skip the narrative). It’s very much for beginners looking to get the basics down and nudge their finances into shape. I do like his top five money principles: money in, money out, money we owe, money to grow and money to share. Snappy, huh? You can grab a copy for free on May 1 at SuperDuperSimpleBooks.com.

    And in other news, I cracked 100,000 all-time blog views this week!

    Thanks so much for reading along; I appreciate each and every new subscriber, follower and commenter. If you’re a lurker, why not choose today to de-lurk and say hi? 🙂

  • I’m all over the interwebs today

    Today I’m over at Cordelia Calls It Quits, with a guest post on blogging jealousies and dealing to the green-eyed monster – getting back in touch with what I love about blogging and saying fuck it to the endless game of numbers.

    I’m ALSO featured at Girl with the Red Hair, where Amber interviewed me about what I do for a living.

    These are two of my favourite blogs, so be sure to head on over and have a peek round.

    To new readers, greetings! Hope you’ll stick around for a while.

    By way of introduction, I’m a 2o-something from New Zealand. As an introvert in the creative industries, a blog was a natural outlet (seeing as I’ve been messing around on the internet for over a decade and writing for publication for a little less than that) occasionally (okay, once) sharing cool things I’ve worked on elsewhere.

    I blog about money, careers, relationships, travel and all the other spices of 20-something life (with frequent forays into recipes I’ve tried or books I’ve read) and you can check out some of my top posts here. While I have a particular passion for personal finance, money isn’t everything; I’m trying to live for today while saving for tomorrow, finding some balance while still getting ahead. Right now, I’m dabbling in a spot of wedding planning, but my eye is on the bigger prize – travel and eventually buying a house.

    Enjoy!

  • Carnival of Personal Finance #358: Anzac edition

    Roll up, roll up. Welcome one and all to this week’s carnival of personal finance!

    This week’s a short one for me – it’s cleaved neatly in half by Anzac Day.

    For those not familiar with Anzac Day, it’s a national holiday commemorating our soldiers who fought at Gallipoli during WWI.

    They fought for a mission, a cause larger than any single one of them.

    While most of us will never be part of something on that level, we are united in a common journey – that’s what this carnival is all about! We’re all on a quest to achieve financial savvy, stability and independence. And as always, here are the links to the best of this week’s writing to prove it.

    Editor’s Picks

    Should kids have to take a minimum wage job when they’re teens? Nicole, Maggie, and the grumpy readership weigh in on whether grunt work is worth it. (My general feeling is that unless they’re genuinely tied up with other things – Olympic training, practising for a performance at Carnegie Hall, prepping for early entry to uni or other pursuits at that level, why not?)

    Want to pick up your blogging game? Here are 12 tactics to build up a money-making blog, via The Financial Blogger. (I have a post tomorrow on why I’m doing the exact opposite.)

    Eric from Narrow Bridge Finance explains why he hates bad tippers. (We pay our hospo staff a living minimum wage. I’m very glad tipping is not part of our culture, though most places now have tip jars – and the higher-end places usually offer an option to add on a tip when you pay by Eftpos.)

    Some fees just can’t be avoided. Boomer & Echo presents 10 Fees that are actually worth it. (Sometimes it pays to pay for a privilege.)

    According to the Weakonomist there are only six kinds of employees. (I’m fortunate to work with great people – that’s such an important element when it comes to a satisfying work environment.)

    Career

    MISSION: Rock the search, the work and the exit.

    There’s been a lot of brouhaha over employers asking for Facebook passwords. Obviously these are a very select few. Still, Glen Craig from Free From Broke presents Should You Give Human Resources Access to Your Facebook Profile?

    Some jobs are downright awful. Everyone’s heard stories about people who stuck it to their employer and stormed out of the office. Jeremy from Modest Money presents Avoid Burning Your Bridges, and reminds us why that should always be a lst resort.

    Credit

    MISSION: Minimise charges, maximise rewards

    Apparently there’s a new credit card fee making a resurrection. Beware!, Matt Schulz from InvestingAnswers.com says.

    And on a similar note, Liana from Card Hub presents Get Ready For More Credit Card Fees – watch out for offers that require you to pay a fee before your account is even open.

    What do you really know about credit cards? John from Wallet Blog presents 6 Fun Facts about Credit Cards.

    We’ve all heard the typical advice for a healthy credit score: Pay your bills on time. Don’t max out your credit cards. Don’t close your oldest accounts. But the problem is, this advice is just that: typical. Bethy from Credit Karma Blog presents 4 Ways to Get a Better Credit Score Now.

    Debt

    MISSION: Kill it

    Ryan Yates from Deliver Away Debt presents The Fine Line of Debt Refinancing – Rescue vs. Ruin, and says, “Talking with a bank is a lot like being on a first date; if you don’t shave your financial legs, you won’t let them get too far the first time you meet.”

    Danesh Parhar from The Financial Rebellion says there’s more to worry about debt than just the amount of debt you have – consider the monthly payment.

    In Debt Consolidation Programs, Ben from ReadyForZero Blog explains the different types of debt consolidation available.

    Finance

    MISSION: Forewarned is forearmed

    The Pareto principle states that, for many events, roughly 80% of the effects come from 20% of the causes (or effort). FMF from Free Money Finance suggests you should 80-20 Your Finances, too.

    Since the GFC, the US government has increased the insurance limits on deposits. Jim from Bargaineering elaborates further in FDIC Limits.

    Frugality

    MISSION: Do more with less

    Hosting people can be expensive (and exhausting). Amanda from My Dollar Plan presents How to Host Out-of-Town Guests Without Breaking the Bank.

    Babies are a blessing, but they are also a target for materialism. Don’t get sucked in, warns Everything Finance! Here are some Baby Essential Costs You Can Skip.

    What’s a good car to own in your 20s? Green Panda from Green Panda Treehouse presents Best Cars for College Graduates to Drive.

    Don’t be foiled by food labels. Sandy from Yes, I am Cheap presents Food Labels And Terms That Fool You.

    In Buy Current Technology, Not State of the Art, Ryan at yourlifeforless says it’s important to focus on your needs, and avoid buying state of the art technology just for the sake of it.

    Jason from Live Real, Now reminds us in Be Happy with What You Have that it’s not possible to buy happiness, either directly or indirectly, through the accumulation of “stuff”.

    Once upon a time, the two-income household was virtually unheard of. Justin from The Family Finances asks, Is It Still Possible To Raise A Family On One Income?

    Money Thinker from Money Thinking presents Sifting through Needs and Wants, with a few handy questions to ask yourself before whipping out your wallet.

    Investing

    MISSION: Work smarter, not harder

    Acronym alert! Is SIPC like being FDIC insured? Not so, says Evan from My Journey to Millions, in What Is SIPC? Recent Sanford Case Should Lead to Interesting Results.

    James from Short Road To Retirement presents How To Invest Your 401k Plan, with a link to a calculator that will tell you how to allocate your assets based on your age and risk tolerance.

    Bonds have a place in many an investment strategy. SB from One Cent At A Time reckons Bonds are Paramount in your Portfolio; Even with Room for Volatility.

    Over time, tax treatment can make more difference than net returns or expense ratios. Dan from ETF Base explains What Makes an ETF Tax Efficient.

    How much do different investments really return? Drew from Objective Wealth presents Investment Asset Classes, Start Your Engines! with a car racing twist.

    In Sprint in $300 Million Tax Fraud Lawsuit, Flexo from Consumerism Commentary says, “Sprint says it was just “looking out for the consumer” when it failed to collect and pay $100 million in taxes.”

    Thinking of joining the IRA bandwagon? Mike Piper from Oblivious Investor presents Where Should I Open an IRA?, and says, “With all the new commission-free offerings in the last couple years, the answers to this common question have changed.”

    Money Management

    MISSION: Keep the ship running smoothly

    Gender roles often influence the division of household tasks. Ray from Tie the Money Knot asks, Who is the Financial Driver? in your relationship.

    Mike from Do Not Wait explains Why Simplicity is Key For Retirement – as it is in many aspects of life.

    Laura @ Frugal Follies on what a 1940 census taught her about saving. Digging into your ancestry can be uber-revealing!

    Robert from The College Investor shares his Top Apps for Finance, Investing and News.

    Would You Rather Live a Little More Now? Or Have a Pile of Cash Later?  Smart on Money wonders if we have to sacrifice everything right now to save up for the future.

    Other

    MISSION: Educate yourself

    Learning to handle your time wisely must be one of the hardest things about adulthood. Miss T. from Prairie Eco Thrifter lists 7 Time Management Tips that Will Help You Work Efficiently.

    Is ProvisionRX a Scammy Pyramid Scheme? Lazy Man and Money says ProvisionRX looks like the most basic of scams.

    In Shopping for Health Care, Money Walks offers some tips for buying health insurance.

    Real Estate

    MISSION: Learn from the property gurus

    In Home Mortgage Pre-Approval Letter Received, PT Money Personal Finance reaches a new chapter in the journey to buy a new home and become a landlord.

    Family Money Values presents Real Estate Investing – Get Better Cash Flow from your Rental Properties, and says, “Here are some suggestions on how to evaluate your properties to make sure that you are keeping a taut ship.”

    PK from Don’t Quit Your Day Job asks Who Decided 417:1 Leverage is a Good Idea?, and wonders if another federal bailout is imminent.

    Taxes

    MISSION: Crunch those numbers

    Those deductions can really add up when you run your own company. Teacher Man from My University Money presents Claiming a Business Loss – Losing Money Never Felt So Good.

    Left your taxes to the last minute AND made a boo-boo in the rush? Peter from Bible Money Matters has 8 Tips for Amending Your Tax Return When You Make a Mistake.

    Darwin’s Money explains Obama’s proposed ‘Buffett’ rule and why it’s a horrible idea for America in Senate Rejects Buffett Rule – Fighting Stupidity with Logic.

    Believe it or not, the IRS offers installment plans. Rob from Dough Roller presents Can’t Pay Your Taxes? Read This.

    Thanks all for taking part! Be sure to get your submissions in to next week’s Carnival when it is hosted by My Personal Finance Journey.

  • Link love (Powered by chives and fortuitous occurrences)

    You know the great thing about conferences these days?

    If you can’t afford to make it, there, these days you can soak up most of the talks for free afterward. Lately, I’ve been catching up on SxSW podcasts and Webstock presentations.

    At one of the events I was at recently, David Lawee, a VP at Google, talked a bit about the early days of the internet industry. That took me right back to my early days of running a website, submitting it to Lycos, Altavista, and all the others for indexing – meta tagging, and other primitive SEO.

    Yep, back when Google just had a funny name and it seemed the search game was overcrowded. So when exactly did it all consolidate and how did Google overtake all the others? I don’t personally recall – I just know that at some point, Google became the default for me and everyone else I knew. (Anybody remember this period more clearly?) Those guys really had a clear dream – that information is everything, and that organising it could do great things for humanity.  Another speaker, Dev Paitnaik, recounted a great anecdote in which Sergey Brin told the story of a person who managed to save his father’s life (the dude had a heart attack) by quickly Googling CPR and clicking I’m Feeling Lucky. What a powerful, persuasive argument.

    But as corporations do, it seems Google is losing its way, and Gizmodo had a great piece on why this is.

    You know what else occurred to me?

    At these kinds of seminars, you hear about the power of storytelling – that we forget how to tell stories and have to relearn it as adults. I’m fortunate that I get to do that every day. And you hear all about how to be a better leader, inspire a workforce, etc. Conscious capitalism. Social responsibility. Ethical business. All the buzzwords, and more.

    But really. Is it so hard to act decently? So hard to be human? Do we so quickly forget? Corporate douchebaggery, as I alluded to the other day, is pervasive. Surely it seems obvious to any sane person that we treat others how we want to be treated. Business shouldn’t be any different.

    That said, I’m optimistic. Companies as old as IBM are getting into social innovation. Gen Y is entrepreneurial and effecting change from the ground up. Eventually, the old guard will fade out – and, hopefully, responsible, ethical, sustainable business will be the norm, not the exception.

    To the links!

    Thanks to Money Q&A for featuring my post on finding meaning in your work in the latest Yakezie Carnival.

    How many financial ‘ladders’ do you have? Via Bucksome Boomer.

    Aloysa at My Broken Coin reckons Pinterest could help you save money.

    Miss T offers up some down to earth advice on networking.

    How freelancers can keep in touch with professional contacts, from Dollars and Deadlines.

    At Ms Career Girl, three tips for figuring out when it’s time to quit the ‘dream’ job.

    And Zen Habits has a ‘do what you love’ guide.

    Thinking of entering a helping profession? A guest post at So Over Debt explains what you need to know.

    Brazen Careerist has four mistakes we often make in changing jobs.

    Yes and Yes features a financial dominatrix (something I’d never heard of before) and also explains how to get a job with a liberal arts degree.

    Ever feel overwhelmed by all the good things happening to you? Jess at Makeunder My Life does.

    Suba at Wealth Informatics explains how to use a Not-To-Do list to get more done.

    Excellent advice for sensitive types at Smart, Pretty Awkward (and if you have any tips on learning not to sweat the small stuff, please let me know!)

  • Link love (Powered by dumb phones and gruyere cheese)

    This is the first 9-5 job I’ve had where the office shuts on holidays, and because of something some of my American Twitter buddies said last week, I thought we only had a three-day weekend. Then a Kiwi Twitter friend tweeted about Monday being the real sloth day, which then prompted me to actually Google and discover that yes, Easter = four days off! Two short weeks in a row!

    And what’s more, the weather turned it up. It was like the summer we never had.

    But we didn’t do ANYTHING for it. This frustrated me. T spent a bunch of time mucking around doing stuff for some friends, who then became our (unwanted) house guests for most of the weekend. Normal people hang out with friends and go home at the end of the day. These peeps hang out here for days on end and sleep on the couch because their home lives suck. (Let’s not even get into addressing that or even the idea of fixing it.)

    In short, it took a PMS-y me having a mini breakdown over my broken phone/not doing anything and making most of the beautiful weather/interlopers to get through to him. Did I mention my  iPhone stopped charging? I was phoneless from Saturday night through to Thursday night, when I finally picked up a $39 cheapie to get me through. This week, hopefully, will be the week to get it fixed. I mostly miss being able to catch up on the day’s news in bed in the morning/check social media and email on the go/be able to jot down blog and work ideas while walking home/use my awesome supermarket shopping checklist app. Analogue life is quaint indeed.

    A short roundup this week:

    The Totally Money blog carnival at Stupid Cents included my post, Life planning on crack.

    Bridget lays out how to live on no money after graduation.

    Meg meets someone with a very different perspective on money and an aversion to wealth despite enjoying its trappings.

    Some sane advice for wannabe travel writers. Heck, any writers at all. Writing makes for a better hobby than career. So you better darn well love it.

    Untemplater lists the pros and cons of train travel.

    Here’s Cate on making time for reading (something I never have trouble with, except for my university days when I barely had enough time even to sleep and eat).

    And finally, a post on blending culture and customs when it comes to marriage and weddings. I was stoked to see this. Another Chinese chick from Malaysia! There are plenty of us around, but none I’ve found in the bloggy world.

    Anyway, this post really got my wheels turning. But I’m going to go out on a limb here and say that race and culture are not major elements in our relationship. (Part of that comes down to the fact that while my parents were more tiger than Western, they’re definitely not as strait-laced as many Chinese parents are. And I am pretty much a walking banana.)

    More than anything, class differences are what stand out to me. In my world, prison, tattoos, drugs and drinking problems are foreign. Babies are special, planned for, cherished; not popped out without a second thought. Houses are bought, not rented and trashed.

    At our engagement party, one corner engaged in an animated discussion reminiscing about visiting incarcerated family members. The rest of us looked on and listened awkwardly. I can’t relate to discussions about cousins in rehab or being investigated for welfare fraud or taking off with the kids for the umpteenth time after another argument with their partner.

    What are your thoughts on culture or class colliding in relationships?

  • Link love (Powered by faulty tech and early dawns)

    I was super excited by Quickflix launching in New Zealand, especially with the free introductory month (where you put in your credit card details, of course, so they can nab you should you forget to cancel before your time is up) and introductory price of $9.99.

    However. The range is crap. The new releases are $6.99.

    We pay for Sky TV (the boy’s choice). We can already get new releases for $6.99 on there. Some months we put the movies package on, when there are good films showing. In terms of price and offerings, Quickflix doesn’t really seem to offer anything more.

    What I want is up-to-date releases at a decent price. Is that too much to ask?

    What is Netflix like, dear Americans? I hear it’s the bees’ knees. I can’t even browse the Netflix site to see what I’m missing out on, because it detects how decidedly un-American my IP address is.

    Blast from the past

    New feature! Every month I’ll highlight some of my fave posts from the same month in previous years.

    One year ago I ran my first 10k, pondered a certain money mindset I’ve observed among the perennially broke and mused on the great balancing act of life

    Two years ago I was thinking about the perils of living out your life online, and what it would be like to live on my own.

    Okay, now to the links!

    MONEY

    Cents of a Country Girl recounts her adult financial journey in Money through the Ages.

    BrokeTo shares some of the silly things she’s done to save money.

    The Financial Blogger talks us through the costs of blogging for a living.

    Similarly, Alexis Grant shares the different ways she makes money online.

    A lovely post from Revanche on marriage and moving to joint finances.

    Finally, thanks to Canadian Personal Finance for including my post (Personal finance topics I’m SO over) in this week’s carnival of personal finance.

    WORK

    Berrak may not have a degree – but that’s not holding her back.

    Untemplater asks: how much of a payout would it take for you to leave work?

    TeacHer Finance on lessons learned from crappy jobs.

    Lost Gen Y Girl shares career lessons learned from the Hunger Games.

    Great advice from Michelle Asp: Worry less about what you’re saying and more about understanding what’s being said to you.

    Passion never earned anybody a paycheck. At Life Without Pants.

    LIFE, etc

    A handy post at WordPress on how to turn your blog into a book.

    Jill at Stratejoy pens a love letter to her body.

    Shannon asks if marriage is more than a piece of paper.

    From Grow: is social media making you a lazy communicator?

    Great resources here at Yes and Yes – how to stay smart.

    Loved this from Blue Milk on happily ever after in marriages.

    Aloysa shares five tips on surviving life in ghetto suburbs.

    I’m not one to talk about other countries’ politics, but had to share this from right-winger Rachel on the Republicans and Planned Parenthood.

    Nicole is Better on how to turn jealousy around.

    Way to make me feel old, Kim! Perfectly Cursed Life recounts some pop culture milestones that I guarantee will have you shaking your head.

    FOOD

    Pasta-free eggplant lasagne, via Funny about Money.

    Iowa Girl makes orange-glazed poppy seed muffins.

    And Stonesoup whips up a no bake chocolate peanut butter cake.

    Happy Easter, everyone! I’m still to make any plans – what are you doing?

  • Link love (Powered by blogging peeves and other woes)

    Some weird shit has been happening in the blogging world.

    First, WordPress and Google’s Blogger stopped playing nice with each other. Despite putting in the correct Captcha codes, I could not post comments on Blogger blogs using my WordPress credentials. I had to use either my Google account or Name/URL (if the latter option was even available).

    Then I noticed a few blogs recently go to partial RSS all of a sudden, apparently through nothing they’d done.

    (I’m curious, by the way. How do you keep up with blogs? Email? RSS? Bookmarks? Something else?)

    Now WordPress isn’t playing nice, either – if you’re using an email that’s ever been associated with a WordPress or Gravatar, apparently, it will ask you to log in. Either that, or you gotta use Facebook/Twitter. Lame.

    I checked my commenting settings. For wordpress.com users, there are two:

    Comment author must fill out name and e-mail – When this setting is on, anyone leaving a comment will be forced to leave a name and a valid email address. If the setting is off, visitors can leave anonymous comments.

    Users must be registered and logged in to comment – If this box is checked, only logged in WordPress.com users will be allowed to leave comments. If it is not checked, any visitor can leave a comment.

    As per this thread, I checked, and I already had the second unselected, but now I’ve also deselected the first in an effort to make the process easier.

    If you were having issues but can now comment, I’d really appreciate feedback – even just a Yes or a smiley face! Otherwise, well, perhaps it’s time to figure out my branding and consider going self-hosted…

    WORK

    At Fast Company, my favourite publication,we have both 8 reasons to choose a startup over a corporate, and 9 reasons to do the opposite.

    Similarly, Susannah Breslin defends working for the man in her latest column.

    The 99 Percent talks to some lifestyle design types (shudder) about how to do great work while travelling the world.

    Five stories of graduates whose student loan debt determined their careers, via The Grindstone.

    At Publishing Trendsetter: the things you enjoy may not have the broadest appeal – it’s the things others enjoy that will make you money.

    Like me, Her Every Cent Counts doesn’t want to move into management.

    Budgets are Sexy features a guest who moonlights as a bouncer (T has done it a couple of times, but obviously, the hours are rather crap)

    So Over Debt lists 10 things that suck about job hunting.

    Krystal asks: would you relocate for a better job?

    How much money would it take for you to clean somebody else’s bathroom? Via She Bloggs.

    The ultimate post-layoff to-do list, at Sense to Dollars.

    Financial Samurai has a kickass post on what it’s like to be unemployed.

    MONEY

    Some tips for handling freeloading friends and family, via You Have More Than You Think.

    It’s not about just increasing income or cutting costs – it’s about maximising that gap in between, says Fabulously Broke.

    Budgets Are Sexy on using daily deals to make dating more fun.

    Making money isn’t glamorous, says Afford Anything. Ain’t that the truth…

    FOOD

    Raspberry coconut macaroons. How good do those sound? At Smitten Kitchen.

    Double berry oat muffins, by the Joy of Caking.

    Okay, Perks of Being a Jap has convinced me to make these peanut butter cup cookies.

    Chocolate peanut butter ice cream! Also, raspberry coconut loaf, both from Hungry and Frozen.

    LIFE

    Shannon from According to Me reflects on the then and now of her relationship.

    Like Ashley, I have a complex inner life. And like her, I have trouble expressing it. I often feel like there’s no possible way I can ever be the full me, project the full me, in the real world.

    I love Redhead Writing’s take on life – it’s all about filling in the blanks.

    Chelsea reminds us that it’s OKAY to ask for what we want – and what we need.

    In a rut? It’s okay, embrace your 20s – this is actually the most free and least stuck you’ll ever be. A rockin’ post at Thought Catalog.

  • Personal finance topics I’m so over

    personal finance topics i'm so over

    Let’s kill all these off for eternity, thanks.

    Saving for your kids’ university vs saving for your retirement

    I may be biased.

    In New Zealand, everyone can get an education, if they are so inclined. Schooling is “free” (annual fees, or “donations” as they call them, are just short of being compulsory – but you can get away without paying them. I didn’t pay my fees in the last year of high school as I was financially supporting myself and that $150 or whatever was a lot of money. It does mean you might miss out on certain things, like getting a yearbook, and of course you have to pay for school trips and stationery and whatnot). And everybody is entitled to an interest-free government student loan to cover your tertiary education.

    But you know what? No matter where in the world you live, some things don’t change. You, and you alone, are responsible for your financial situation. Nobody else will put your interests first. So if you don’t, what do you expect to happen to you?

    Sure, you can help out your kids, if you would like to and can swing it. I know fees in the US are reaching ridiculous new highs. But you won’t be doing anybody any good by jeopardising your own twilight future and potentially becoming a burden on your offspring later down the track.

    Do both by all means. But put one of these priorities – yourself – first, and don’t go for the other on its own.

    Why buying name brand items is a waste of money and how a kitten/fairy/unicorn dies every time you do it

    Look, there really is no difference sometimes. Budget milk is the same as Anchor (and even if not, the price difference is too staggering to make me fork out for the blue label). Budget pasta is the same as the next brand up, and a few more beyond that. Heck, T gets by just fine wearing Warehouse own-label jeans, though he does spend most of his time in Dickies.

    Here’s the thing, though. Some generic brands are downright godawful. No-name ketchup. Instant noodles. Canned vegetables. I’ve done it, and never again. That’s wasted food I couldn’t stomach, that never got finished, and money down the drain. I know what items it pays to pay a little more for, and I stick to it.

    Cellphones are a luxury and if you think otherwise, you’re a spoilt, entitled Gen Yer

    I work in media. Having a cellphone is expected (and in fact I now have a work phone). But even when I worked in hospitality, I was still expected to be easily reachable for last-minute shift changes or in the case of another job, to be contacted in regard to my availability to serve at various functions and events. You don’t have to be super important and way up the hierarchy to be needed, if you know what I mean.

    Cellphones don’t need to be expensive, either. I’ve had a phone since about 16 (I’m now 23) and in those years, I rarely spent more than $20 a month. A home phone costs more than that, with extra for voicemail. (Incidentally, we do have a landline with our broadband package, but doesn’t actually work with our modem – we have to unplug it to use the phone – and we use it so infrequently I can’t be bothered doing anything to remedy the situation.)

    Any blog topics you’ve had enough of, finance or otherwise?

  • Link love (Powered by bay runs and afternoon tea)

    Fun with search terms that brought people here!

    i don’t care

    Good for you! Keep up the attitude.

    as you know shorthand outline

    I’d write it like this. I also had a stab at writing it all in one phrasing on the right, but word groups were never my forte.

    flatting with friends

    That can go either way. Personally, I wouldn’t recommend it, but I’m horrendously antisocial and consider home a place to get away from everyone I know. It works for lots of other (normal?) people. At the very least, choose friends responsible with money who aren’t likely to do drugs or bring random one night stands home.

    eating in vs eating out

    Eating in is definitely cheaper. But I’m a fan of mixing it up.

    why do people flaunt money

    To feel good about themselves?

    how to flaunt your money

    Buy lots of crap. Preferably showy, expensive and outrageous crap. Designer clothes, vehicles, electronics, etc. And buy all the rounds at the bar.

    why is the first step the hardest

    Buggered if I know. I just know it is.

    introverts eye contact energy conservation

    YES. This is what I’m going to use in the future – I’m not looking at you, I need to conserve energy.

    what to give a woman turning 23

    Think less about the age and more about the person.

    paying bills when strapped for money

    I’m assuming you have no financial safety net. That leaves you with finding a way to quickly bring in some extra money, or borrow it. Whatever you do, please build up an emergency fund once you’re over the hump.

    my fiances family is a mess

    i hear you. Stay out of it as much as possible and don’t get sucked in.

    i have a degree in communications now what

    Hopefully you got some internships and work experience under your belt along the way, because experience (and who you know) is what counts. If you were stupid, well, it’s not too late. But seriously. I’m assuming you don’t actually know what you want to do (something you’d ideally have figured out earlier, but oh well). If you can afford to, then do lots of experience at different organisations. If you need to start bringing in money, then you’re stuck taking the first decent job that comes your way, aren’t you? But seriously, all companies need to communicate with customers, stakeholders, the media, etc. I elaborate more on career pathways in communications here.

    And on that note…

    WORK

    Hee hee. Open letter from an English major to marketing majors, at McSweeneys.

    A guide for introverts in ad agencies, but applicable to other workplaces…

    In Bullish this week: Career killers you might not know are killing you.

    10 reasons to have a side business going, by Thousandaire.

    And … Quote of the week. Word.

    “That’s the bargain with interns. Sometimes you invest a bunch of time in them teaching them how to do things that more experienced journalists already know and they give you nothing in return except a headache. If they were employees, you’d fire them, but since they’re not, you just wait to be rid of them. Sometimes they turn out to be brilliant, require minimal oversight and actually help you do your job.” From Forbes.

    LIFE

    At A Practical Wedding: when your husband isn’t your best friend. T and I hung out for a while briefly before we got together, and I’m sure we’d get along just fine at parties and whatnot today if we weren’t, but I don’t think we would be bonafide friends as such. Definitely agree that shared values are key. And I probably would consider him my best friend too, today.

    Be a better person. Here’s how you can change the world, writes Hannah Katy.

    Here are Iowa Girl’s 10 ways to spring clean your life.

    How to prepare ahead of time for when you get sick, via Get Rich Slowly. Too true. We always seem to be out of soup, noodles and Panadol whenever I come down with something.

    Cordelia Calls It Quits on the one and only cure for Mondayitis.

    Is university worth it? You Have More Than You Think has done a pretty huge blogger survey on this topic and presents the results.

    If you ever plan to go on a Serengeti safari, read this post by Moneymate Kate first.

    FOOD

    Lamb meatballs with lemon sauce, at $120 Food Challenge.

    And Swedish Visiting Cake, via Just a Titch.

    Lastly, head over to this week’s Carnival of Personal Finance, hosted by Marissa! This week I share how we make it work as a one car household.

  • On blogging, identity and niches (plus a surprise bonus!)

    I’ve been thinking a lot lately about identity.

    It’s easier than ever these days to invent, or reinvent, yourself.

    I can think of a fair few people – online and in real life – who’ve started going by their first and middle names, or something else entirely.

    To be fair, in an age where your name is increasingly your brand, I can see why. Back when I dreamt, vaguely, of becoming famous somehow, I knew I didn’t have the right kind of name for it. Now of course, I have no interest in fame, and I’ve firmly established my byline with my very unglamorous moniker. Even it wasn’t a bit too late, I don’t know what kind of other name would suit me – perhaps I’m just not imaginative enough.

    And I’ve been thinking about my various footprints online. Between my accounts on all the usual social networking suspects, plus the likes of Quora, Instagram and other, more niche Kiwi sites (to say nothing of the many other social accounts I handle at work), it all adds up to quite a dizzying number.

    The consensus seems to be that one unifying personal brand is the way to go. So no multiple Twitter accounts, for example (something I’ve seen many people attempt to maintain, and fail – or to do poorly, retweeting links constantly from one account on the other, more popular one. Which seems rather, er, pointless).

    This is one area that I’ve actually made work, however. I share very different kinds of content on my bloggy Twitter account, compared with the tweets I send from my other personal account. On one, I chat to blog buddies, share fun links, inspiring links, and of course PF links. One the other, there’s a bit of quirk, there’s a bit of personal stuff, but there’s a lot more industry stuff and serious stuff – news articles and links about social media, communications and journalism. I don’t see a lot of crossover between the two, and unlike, say Google Plus, you can’t segment your updates by follower.

    Which I suppose brings me back to this blog. If the new paradigm is all about a strongly defined, overarching brand and theme, am I painting in too broad strokes here? Do I post too much local content when my readers are overwhelmingly overseas? Is my posting more frequently about books and food (which doesn’t garner many comments, but which I love, and seems to be bringing in new followers) too random for older subscribers?

    But when it comes down to it, building up separate niche blogs from scratch just falls under the too much work category. I’ve seen others succeed, and I’ve seen others fail.

    I’m going to wrap up by doing something I haven’t done on the blog before: sharing links to some neat stories I’ve worked on recently (if I do say so myself). Hopefully you’ll find an interesting read or two!

    Phoenix on the rise – the sharp young lady behind Phoenix Cosmetics, who started the label from scratch and is now known as the eyebrow queen.

    Coworking 2.0 down under – shared spaces are all the rage right now, and collaborative workspaces are popping up all over the show.

    The Go Vocab way with words – these young guys put me to shame with their clever language-learning venture.

    A bootcamp for gaming bootstrappers – it’s never been easier to start working for yourself, and game designers are well placed for entrepreneurship.

    Hapara, bringing classrooms into the cloud – a smart NZ startup blending Google and education, trying their fortunes in the Valley.