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Merging Christmas traditions
What Christmas traditions do you hold dear? Maybe you always give a certain gift, bake a special dessert, or buy a specific kind of tree. For many of us, these rituals are what make the Christmas season special, and it’s hard to feel festive without them. But for many of us, merging Christmas traditions can
Is it wise to top up the mortgage on your home?
Many people take out top up mortgage loans on their home. Common reasons are to pay for house renovations, repairs and maintenance, installing insulation and solar panels, buying a car or paying off credit card debt. Understanding top up mortgages If you paid $400,000 for your home ten years ago and borrowed $320,000, your equity
Six money myths you need to stop believing
There are many misconceptions and myths about money. Many are completely untrue, but some need to be seen through the lens of a faithful, biblical steward. Here are the top six money myths and a biblical perspective. Myth 1 – Investing is the same as gambling, so as a Christian I shouldn’t invest. Investing is
The opportunity of generosity
Giving is sometimes described as a two-sided coin. Side one is the obligation for Christians to be generous. This obligation flows out of God’s ownership of all things. “The earth is the Lord’s, and everything in it, the world, and all who live in it; for He founded it upon the seas and established it
Advice for lifelong singles
The Census by Statistics New Zealand in 2018 identified that 23% of households in New Zealand consisted of one-person. The proportion of one-person households declined between 2013 and 2018 despite an increase in the number of single households consisting of people aged 65 years and older. Statistics New Zealand noted the decline in the proportion
Six steps to prepare for the days ahead
Six steps to prepare for the days ahead The Global Financial Crisis in 2009 uncovered an even deeper problem that we all face—it’s a crisis of the heart. Anyone can see that our society is quickly shifting away from any semblance of a biblical worldview. Instead of seeking God for direction and help, it seems
Managing time with a home business
Managing time with a home business Working at home provides flexibility and freedom, but discipline is necessary to complete the work required. Proverbs 6:10-11 notes “A little extra sleep, a little more slumber, a little folding of the hands to rest – then poverty will pounce on you like a bandit; scarcity will attack you
Annual gambling losses pass $2.6 billion
Annual gambling losses pass $2.6 billion The Department of Internal Affairs latest gambling statistics show a 9% increase in gambling expenditure between 2019 and 2021. Gambling expenditure was nearly $2.7 billion in the year ended June 2021 (gambling expenditure is the amount lost by gamblers – the difference between the amount gambled and the amount
The good and bad of oil prices
The good and bad of oil price rises Oil prices have significantly increased recently, impacting household budgets and pushing the rate of inflation higher. However, is an increase in the price of oil always a bad thing? Prices rises are “good” when they accurately reflect need and scarcity. Prices rises are “bad” when they do
Help me get our spending under control
Help me get our spending under control If your spouse is spending too much money, there are some key steps you can take. Some of the obvious ways to reduce spending include eliminating the big expenses. This might be a car payment or rental/living costs in excess of 40% of your net spendable income. Look