Nandy McIntyre - Financial Adviser

28/07/2022

Creating an emergency fund with 3-6 months worth of living expenses can feel daunting 😓

By setting yourself smaller and more achievable goals you'll be able to get their without giving up along the way.

The final step is to use the emergency fund when you need it! But also to top it up afterwards so that you always have enough sitting there 💰

07/07/2022

22/06/2022

They say comparison is the thief of joy. I'd say it's also the thief of progress and personal growth 🤷🏼‍♀️

13/06/2022

One of the advantages of KiwiSaver is that the government contributes 50c for every $1 you contribute up to $1042! 🎉
 
Often this is already achieved through your employee contributions but it worth double checking that you have reached that number. You have until 30 June to make sure to get your free $521.
 
Now is also a good time to set up automatic payments to your KiwiSaver if you are self-employed. Contributing $20 a week is all you need to get you there! 👍

08/06/2022

5 ways you can build your wealth! 💪

1. Spend less than you earn
2. Educate yourself about money
3. Build an emergency fund
4. Get rid of bad debt
5. Invest!

20/05/2022

Super exciting news on the First Home Loan scheme! 🎉

With the property market increasing hugely over the past 18 months, it's been frustrating for so many first home buyers who haven't been able to get help in buying their home.

They've been limited to buying a property under the house price caps (if they are lucky enough to find any) or having to have a 20% deposit.

With the govt removing the house price caps, first home buyers are able to buy at any house price with less than 20% deposit (minimum of 5%) 🙌

So many more people will be able to get into their own homes because of this 😍

(Starts June 1st. Income caps and other criteria still apply)

21/04/2022

Emergency funds allow you to feel prepared for any unexpected cost that comes up!

05/04/2022

☀️❤️

01/04/2022

It can be hard to know what you need to do before you are able to buy a house but focusing on these 4 things will help you get there.

Also, come chat to me! I can give you a good idea of how far away you are from buying. You'll be surprised how many people don't realise they're ready to buy now. You're probably closer than you think 😊

The two most important things are your ability to service a loan, which involves how much income you have and how much you spend. The other is your deposit amount - 20% is ideal but there are other ways you might be able to buy with as low as a 5% deposit 🤯

And remember, your first home isn't going to be your last. Getting your foot in the door will allow you to upgrade later on.

21/03/2022

Life insurance isn't about you, it's about those you leave behind 💕

08/03/2022

Happy International Women's Day! 👑

Women's rights have come such a long way in recent history but we still have a way to go. It's so interesting looking back and realising that it wasn't very long ago that women weren't able to do so many things!

Especially in finance, women have only recently been able to have some of the same rights as men.

Here's a few that stood out to me...

1893 - Women were given the right to vote in NZ.

1919 - Women were allowed to stand for parliament.

Until the 1960s women weren't allowed to open their own bank account.

Until the 1980s (even into the early 2000s) women struggled to get mortgages on their own. They had to have a man co-sign with them.

1997 - First female Prime Minister in NZ.

Let's celebrate women today! 🎉

Empowered women, empower women 💪

07/03/2022

It doesn't matter how much you earn!

Learning to manage your money well, will set you up for life.