128. This Time, I Want to Make It Stick
Ara describes herself as having been “a bit clueless” with money. When we first connected in 2018, unemployment had made her realise how fin...
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The Happy Saver Podcast - Personal Finance in New Zealand
Your friends might not want to talk about money, but I do! Hi, I’m Ruth and I’m a blogger on Personal Finance and in this podcast I tell the stories of Kiwis and their experiences with the m...
Episodes
20 of 135 episodes
127. Consistently Investing, Month After Month, Year After Year
Sara and Michael have been together since they were teenagers and are now approaching 50. They have always been good savers, but for many ye...
126. Building Financial Strength Together
Joseph and Jane’s story is one of resilience, generosity and small financial decisions adding up over time. From Joseph buying his first hom...
125. Revisit with The Happy Saver: Eight Years On
Today I’m doing something a bit different. I thought I’d give you a little update on what Jonny and I are up to. If you've been listening fo...
124. Learning, Letting Go and Rethinking the Road to FIRE
I had a great chat with Rose and Adam on a cold winter’s day in July, and this warm and friendly duo came to our conversation well prepared....
123. Feeling Financially Safe Again
Today’s guest is Olivia, a 59-year-old single woman who is on track to pay off a 30-year mortgage in just 10 years, entirely on one income....
122. Renting, Investing and Building Financial Freedom
Anna has developed strong money habits through years of study, careful saving, and living well below her means. After following the traditio...
121. The Missing Will
Today, we hear from Petra, whose life has taken her from the UK to Australia and then to New Zealand, with a few moves back and forth along...
120. Rebuilding After Divorce
This episode shares the story of Emma, a solo mum who, from the outside, appears to have it all together: a home of her own, strong finances...
119. Revisit with Rachel and David: Out of Property, Into Funds
Back in November 2017, in Episode 04, I sat down with Rachel and David. They had reached financial independence long before the term was wid...
118. Living Well, Spending Less
Emily and I first met over email and via one of my Phone A Friend chats back in late 2023. Like me, she loves regional Aotearoa and everythi...
117. Owning Rental Property Is a Business
I really enjoyed creating this episode because it explores a form of investing that doesn’t often feature heavily in the wealth-building sto...
116. Separating Finances After Decades of Marriage
In today’s episode, I had the great pleasure of speaking with Carla. She lives in a small regional town in the South Island with her husband...
115. I Feel Like I’m The Only One
Jennifer first emailed me in early 2023 after listening to all my podcasts. She knew I was a big advocate for parents teaching kids to inves...
114. Engineering a Solid Financial Life Together
Today I’m sharing the story of Steve and Sarah, a UK couple who, many years ago, packed up their lives, moved to Aotearoa, and built a reall...
113. Late Financial Bloomers: Proof It’s Never Too Late to Start
Maria and Michelle were late financial bloomers who only really got started in their 50s. Now 71 and 69, they’ve paid off their mortgage and...
112. Resilience, Balance, Community, and Happiness
This week, I’m sharing the story of Rachel, a 90s kid from Timaru. Rachel is the youngest of four, with three brothers, and a ten year gap b...
111. Moving Closer to Financial Independence
In today’s episode, I spoke with Marian, who in turn spoke on behalf of herself and her husband, Jon. Originally from the Netherlands and no...
110. No More Using the House as an ATM
Today’s guest, Gail, has been on quite the financial trip and she’s still very much on it. Back in 2019, at age 41, she experienced a wake-u...
109. Putting Up Some Financial Scaffolding After 50
This week's podcast is all about 51-year-old Julian. We picked up the phone for a good old kōrero in late June 2025. Let’s just say, if talk...