--- title: NZ Home Loan Blog | finances description: finances | --- [0800 030 646](tel:0800030646) - Search - [Contact Us](https://nzhl.co.nz/contact-us/) - [Find Us](https://nzhl.co.nz/find-us/) - [Client Login](https://nzhl.co.nz/login/) [![NZHL](https://blog.nzhl.co.nz/hubfs/Nzhl_January2019%20Theme/Images/logo-footer-nzhl.png)](https://nzhl.co.nz/) - [Home Loans](https://nzhl.co.nz/home-loans) - - [Change to NZHL](https://nzhl.co.nz/home-loans/switch-to-nzhl/) - [Buying your first home](https://nzhl.co.nz/home-loans/first-home/) - [Buying your next home](https://nzhl.co.nz/home-loans/next-home/) - [Interest rates](https://nzhl.co.nz/home-loans/interest-rates/) - [Home Loan calculators](https://nzhl.co.nz/home-loans/tools-calculators/) - [FAQ](https://nzhl.co.nz/about-nzhl/faq/) - - [How much could I borrow?](https://nzhl.co.nz/home-loans/tools-calculators/) - [Where's my nearest office?](https://nzhl.co.nz/find-us/) - [How much deposit do I need?](https://nzhl.co.nz/home-loans/first-home/getting-a-deposit/) - [Insurance](https://nzhl.co.nz/insurance) - - [Your Life](https://nzhl.co.nz/insurance/your-life/) - [Your Health](https://nzhl.co.nz/insurance/your-health/) - [Your Home and Car](https://nzhl.co.nz/insurance/your-home/) - [Your Income](https://nzhl.co.nz/insurance/your-income/) - [Request a quote](https://nzhl.co.nz/insurance/request-a-quote/) - [FAQ](https://nzhl.co.nz/about-nzhl/faq/) - - [NEW! 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Get out of debt as fast as possible.](https://blog.nzhl.co.nz/articles/its-time-to-get-angry) - NZHL - 2nd of May 2018 - [finances](https://blog.nzhl.co.nz/articles/tag/finances) [![angry1250](https://blog.nzhl.co.nz/hs-fs/hubfs/angry1250.jpg?width=688&name=angry1250.jpg)](https://blog.nzhl.co.nz/articles/its-time-to-get-angry) I listen to the Dave Ramsey podcast a bit, I don’t know why I do it exactly because he talks pretty much exclusively about getting out of debt and staying out of debt. I had absorbed this very... [Read More](https://blog.nzhl.co.nz/articles/its-time-to-get-angry) #### [Sell the house and retire earlier?](https://blog.nzhl.co.nz/articles/sell-house-retire-earlier) - NZHL - 28th of March 2018 - [refinancing](https://blog.nzhl.co.nz/articles/tag/refinancing) [finances](https://blog.nzhl.co.nz/articles/tag/finances) [![TheHappySaver_Header_Image_1](https://blog.nzhl.co.nz/hs-fs/hubfs/TheHappySaver_Header_Image_1.jpg?width=688&name=TheHappySaver_Header_Image_1.jpg)](https://blog.nzhl.co.nz/articles/sell-house-retire-earlier) I read with interest the [article that Emily Doran wrote](https://nzhl.co.nz/articles/downsizing-year-track/) on the 14th of March about downsizing her house and I have to say a BIG UPS to Emily for thinking it through and then actually doing it, that... [Read More](https://blog.nzhl.co.nz/articles/sell-house-retire-earlier) #### [Have your ‘savings’ account within your home loan](https://blog.nzhl.co.nz/articles/have-your-savings-account-within-your-home-loan) - NZHL - 28th of October 2016 - [interest rates](https://blog.nzhl.co.nz/articles/tag/interest-rates) [finances](https://blog.nzhl.co.nz/articles/tag/finances) [mortgage](https://blog.nzhl.co.nz/articles/tag/mortgage) [savings](https://blog.nzhl.co.nz/articles/tag/savings) [![piggy-bank-and-light-bulb-e1477454321999-448x350](https://blog.nzhl.co.nz/hs-fs/hubfs/piggy-bank-and-light-bulb-e1477454321999-448x350.jpg?width=688&name=piggy-bank-and-light-bulb-e1477454321999-448x350.jpg)](https://blog.nzhl.co.nz/articles/have-your-savings-account-within-your-home-loan) ## If you have a mortgage and have a separate bank savings account you are doing the equivalent of driving a car on flat tyres. It works but not very well. There are 2 main reasons for this, taxation... [Read More](https://blog.nzhl.co.nz/articles/have-your-savings-account-within-your-home-loan) #### [How much time do you put into finding an investment property?](https://blog.nzhl.co.nz/articles/how-much-time-do-you-put-into-finding-an-investment-property) - NZHL - 3rd of March 2015 - [finances](https://blog.nzhl.co.nz/articles/tag/finances) [investment property](https://blog.nzhl.co.nz/articles/tag/investment-property) [![shutterstock_1075574681](https://blog.nzhl.co.nz/hs-fs/hubfs/shutterstock_1075574681.jpg?width=688&name=shutterstock_1075574681.jpg)](https://blog.nzhl.co.nz/articles/how-much-time-do-you-put-into-finding-an-investment-property) **I speak to numerous people about them wanting to purchase an investment property.** [Read More](https://blog.nzhl.co.nz/articles/how-much-time-do-you-put-into-finding-an-investment-property) #### [How can I improve my financial position?](https://blog.nzhl.co.nz/articles/how-can-i-improve-my-financial-position) - NZHL - 15th of January 2015 - [finances](https://blog.nzhl.co.nz/articles/tag/finances) [![shutterstock_1280151322](https://blog.nzhl.co.nz/hs-fs/hubfs/shutterstock_1280151322.jpg?width=688&name=shutterstock_1280151322.jpg)](https://blog.nzhl.co.nz/articles/how-can-i-improve-my-financial-position) Very regularly finances can be overwhelming and it can just seem easier to leave them running in the background and not worry about them. [Read More](https://blog.nzhl.co.nz/articles/how-can-i-improve-my-financial-position) ##### Popular Posts [![Should you break your loan?](https://blog.nzhl.co.nz/hs-fs/hubfs/shutterstock_1233077740.jpg?width=300&name=shutterstock_1233077740.jpg)](https://blog.nzhl.co.nz/articles/should-you-break-your-loan) [**Should you break your loan?**](https://blog.nzhl.co.nz/articles/should-you-break-your-loan) 11 June 2015 In my recent article I spoke about the[impact of the OCR if you are floating](http://www.nzhl.co.nz/are-you-benefiting-from-the-ocr-drop/). Today I’ll... [![5 reasons lenders decline mortgage applications](https://blog.nzhl.co.nz/hs-fs/hubfs/applicationdeclined-525x350.jpg?width=300&name=applicationdeclined-525x350.jpg)](https://blog.nzhl.co.nz/articles/5-reasons-lenders-decline-mortgage-applications) [**5 reasons lenders decline mortgage applications**](https://blog.nzhl.co.nz/articles/5-reasons-lenders-decline-mortgage-applications) 24 March 2016 There is nothing worse than dreaming of your own home, putting time and effort into... [![Credit Card Tips](https://blog.nzhl.co.nz/hs-fs/hubfs/creditcards-487x350.jpg?width=300&name=creditcards-487x350.jpg)](https://blog.nzhl.co.nz/articles/credit-card-tips) [**Credit Card Tips**](https://blog.nzhl.co.nz/articles/credit-card-tips) 14 January 2016 In today’s increasingly online world, credit cards are becoming less of a luxury and more... [![Buying cars: the worst finance habit?](https://blog.nzhl.co.nz/hs-fs/hubfs/carpurchase-548x350-1.jpg?width=300&name=carpurchase-548x350-1.jpg)](https://blog.nzhl.co.nz/articles/buying-cars-the-worst-finance-habit) [**Buying cars: the worst finance habit?**](https://blog.nzhl.co.nz/articles/buying-cars-the-worst-finance-habit) 15 November 2016 If I had to describe my worst financial habit, along with a number of my friends, it... 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