Do you worry about what will happen if you are suddenly removed from the picture?  Remember my blog about making a will?  If you haven't read it them please read it prior to going through this one, here is the link.   https://granniesarahssolutions.blogspot.com/2023/04/do-you-have-will-do-we-need-one-what-if.html   We often think about lots of things to protect ourselves, should something awful happen.  Remember all of these things are easier for your whanau to get if you have a will!  This whole blog is dependent on the fact you have a will, so please get one. Enough about that, let's compare a few options: ACC If you die at work, or on the sports ground or from some form of accident.  ACC will pay.  ACC will pay up to 80% of your wages for up to 5 years to your family. You are automatically paying ACC levies so there is no need for opting in or out. ACC premiums change according to the type of work you do and the danger involved. If you sto...

  Should you pay your bills early?  How far should you go into credit with your bills?   Whenever I work with budgeters, their advice seems to always be: "break down your repayments into small amounts and pay them weekly to places you have regular bills" When I speak to people who have, at any time in their lives sought budgeting advice, this is how they operate.  Often to the point where they are hundreds, even thousands of dollars in credit with large power companies, phone companies, rates, or insurance payments.   Does this mean you are lending money, interest free, to these large companies? Do they deserve your loan? Can you afford to give them an interest free loan? Here's an idea, have a separate bills account for that small amount each week, or fortnight. The money remains in YOUR bank account until it is due to be paid.   Make the bills account so your eftpos card can't be used on it, money will still be there when your bill is due. ...