Sunny days and being 'financially chic' :)

Chloe in the foreground, Daphne in the background.

 

 

Hello chic friends!

 

We've had some lovely sunny spring weather here in Hawke's Bay, New Zealand. A little breezy but still nice to get outside.

 

We took the doggies for a walk along Ahuriri beach the other day.

Daphne and Chloe hiding underneath the giant chair

Daphne and Chloe are always a little nervous, they are real homebodies like their mum.

But it's good for them to socialise every once in a while. I tell myself that too! 🤣

Look at that sky! Napier Hill is in the background

Facing towards our tiny marina

Paul and Micky: 'the boys' :)

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I received the coolest comment on my blog. I love it, and I love the turnaround for my reader too.

 

I often receive messages and emails like this, and of course I wrote the books, but the inspired actions are all yours to take the credit for.

Living a 'rich' life in a savvy way is what I'm all about, and this lovely reader has illustrated perfectly how a day can be elevated in simple but luxurious ways.

I am also a fan of taking 'portraits' on special occasions! Whether it's just Paul and I, or a group gathering, it's such a nice picture to look back on, especially since we are in our nicer outfits at the time too.

 

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This week was a short week because Monday was a public holiday here in New Zealand, Labour Day. Many locals went away for the weekend, and I'm sure there were plenty of out-of-town guests here for the long weekend too.

All I know is that the roads were lovely and quiet since people weren't going to or from work. The birds were the loudest thing I could hear! 😊

 

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To finish with this week, I am back with a reader question to celebrate the release of ‘Financially Chic Vol. 2’ where I invite you to send in a question – anything you are curious about on the topic of money! I love this week’s question:

“When you say ‘shut the door on debt’, does this mean you are anti-credit card?”

 

Thank you for this, lovely reader, and I am happy to clarify.

I do use a credit card for everyday expenses, however this is paid off in full every month. I have not carried a balance for years, probably decades. Credit card interest rates are horrible, well over 20% often!

If, however, I could not trust myself to be this way, I would not use a credit card at all. Just like I know I can’t have ice cream in the house and eat a little bit every now and then. I eat it until it’s gone! So I make things easy on myself and only buy ice cream when I plan to eat it, such as for a family dinner.

I do believe that paying off debt is one of the best things you can do for a healthy and happy financial future. Starting with consumer debt (such as credit cards and car loans) and then moving on to paying off your home loan as quickly as you can.

To me it’s a form of forced savings when you are focused on making extra payments or increasing your payments.

A friend told us once (and he was high up in banking so we listened to him), ‘when you don’t have debt, you have options’. And it’s true. You feel far freer when you aren’t shackled by debt payments.

I know in times of high inflation it can be hard to find extra money for higher grocery prices let alone make extra payments on debt, and at those times the focus could be on not taking on more debt while making existing payments. And find ways to make ‘cutting back’ fun and enjoyable. That’s the whole premise of this book 😊

If you have Spotify Premium, you can listen to ‘Financially Chic Vol. 2’ for free. Check to see if this is available in your country by going here to Spotify.

And you can order the eBook or paperback at my affiliate Amazon link here.

Happy weekend to you!

xx Fiona