It might be tempting to put a lot of your purchases onto your credit cards. They’re an easy way to pay, but an even easier way of getting into debt. Especially if you’ve been splurging with it during this gift-giving season. The following are some tips that will make it easier for you to stay…
The KiwiSaver scheme allows you to voluntarily save up so that when you retire, you are financially secure. However, situations can arise during which you may find yourself needing the support of your KiwiSaver before retirement. If you find yourself in one of the following situations, you are permitted to withdraw money from the KiwiSaver:…
Taking care of invoices and billing payments can often be an onerous task for many small businesses. However, very few things are more important in the business industry than getting paid on time, since delays in payments can disrupt a business’s cash flow quite seriously. In these times, interruptions to cash flow could be significantly…
You’ve found the perfect business for you to buy. It fits all your current requirements and you’re in a position where you can comfortably buy the business. So what comes next? Before you sign the contract to finalise the buy, it is important to conduct due diligence. For this, you should review the financial records,…
As the end of the year approaches, you may be looking for a way to thank your hard-working employees for their work during this past year. The tax deductions you could claim back on your giving could make it even sweeter. If you plan to hold a Christmas party or function, or are looking to…
Payday doesn’t always have to mean a treat. While it can be tempting to temporarily boost your dopamine levels with a quick fix, planning for the long run when it comes to spending is sure to be far more rewarding. Creating a routine for your payday will not only help to get the bills paid…
If you’re someone employed in a trade, the next few months are likely to be among the busiest of your year. With the added pressure of the pandemic’s effect on delaying site access and work progress, completing jobs is sure to be a high priority on your mind. In the business process of providing your…
Upcoming seasonal sales may bring about unprecedented sales on online platforms for many retailers. Major holiday shopping events, such as Black Friday and Cyber Monday offer businesses the chance to draw in customers with promotional offers, sales and significant discounts. These sales however require creative adaptability, careful planning and significant preparation so that businesses are…
New legislation details regarding the government’s plan to limit and phase out property investors’ interest deductions also reveal other impacts to property investors. The move to phase out interest as a taxable deduction aims to make rental property a less attractive option for investors over other assets with more supply. This is due to the…
If you find yourself unhappy with your current bank, you may be looking to move across to a different bank. This could result from rising interest rates, lower fees with the other bank, or better perks associated with the other bank. You will need to consider many things before you break up with your bank…