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Beginners financial guide
Unsure how to kickstart organising your finances? Here's a step by step guide you can follow to get your finances in order!
Importance of being in touch with us
Why oh why, is it so important to keep in touch with our Bacon team once you apply with us?
In a nutshell for these 3 main reasons;
Making sure we both understand everything.
Confirming and verifying your info.
The speed at which you’ll get your loan approved!
7 ways to avoid losing money with bank fees
Let's face it; we're way past our last year's 'new year resolutions' - to save more' or 'be more aware of our finances'. But why do we set ourselves up to fail with vague goals, put into action only once a year!? The truth is, if you want, you can start to achieve your goals every day! Even if you're thinking to yourself, "It's hopeless! It's August! I'll NEVER achieve my goals! Why did I leave it so late?". What you should be asking is why should I limit myself to goal setting only once a year! It's time to start now…
What is my Credit Score & Why Does it Matter?
Your credit score is more than just a number—it’s a snapshot of your financial health that impacts your ability to secure loans, lower interest rates, and even job opportunities. Yet, studies show that most New Zealanders don’t know their score or how it’s calculated. This three-digit number, ranging from 0 to 1000, reflects your payment history on credit cards, loans, and bills, giving lenders and insurers insight into your financial reliability. A higher score can unlock better financing options, while a low score may hold you back.
Easy way to distinguish wants from needs & budget better in 2021
The last post on budgeting was so successful that more on budgeting had to be written! If you are a regular reader of our blog, you have already read the post about top tips for setting financial goals, where you can follow the eight steps to set your financial goals and plan for a brighter financial future, but it was only the beginning.
How to Become an Investor: A Beginners Guide
Do you want to become an investor? Do you even know what an investor is? It can be a daunting prospect if you have never made investments before. An ‘investor’ is someone who uses their money to make a profit, by putting this money into various financial schemes. Everyone can invest, and whilst investing can make your money go further, it is not without its risks so make sure you fully understand these risks before you proceed with any investing! This guide will help you understand the world of investment a little more and get you started.
New regulations on high-cost loans will protect Kiwis from irresponsible lenders
New rules introduced by the New Zealand Government have changed the way you can borrow money. We’ve worked alongside MBIE to support these rules and are here to help you understand the fine print! We hope the new High-Cost (HC) Loan regulations will make borrowing safer and protect Kiwis from irresponsible lenders.
Online Business Ideas That New Zealanders Can Start From Home
In this ever growing list of online home business ideas, we have briefly outlined some concepts that you could develop into a viable, work from home business! This post will get you thinking about potential sources of income and help you focus on what you can realistically do.
How To Build Your Credit Score
So, you’ve checked your score and there is room for improvement? You don’t have any defaults and your bills are up to date… so what could have pulled it down? Don’t panic! There are some easy wins to help improve your credit score.
Top 10 Tips To Save Money On Your Wedding
It costs the average Kiwi $35,000 to tie the knot! It seems like a pretty pricey tag, but for one of the most important days of your life, we can see why lovers want to splash the cash. But… your wedding needn’t break the bank! Read on to see our top 10 tips to save money on your wedding.
10 Ingenious Ways to Save More & Spend Less
So, you want to turn your $10k into $1m? Sounds like a plot for a financial thriller, right? Well, the first step is to turn the $10k into $20k and then $20k into $100k...