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Most people think paying off debt is all about the numbers, interest rates, balances, and spreadsheets. Coming from a background as an accountant in Motueka, that was certainly what I believed and told my clients (and myself) as well. Pay off the high interest debt first, was my mantra. And yes, that stuff matters. It…

We previously explored how growing up in scarcity can leave lasting money habits, some of them helpful, others more limiting. This week, I want to look at one of the most common habits I see in my Motueka accounting practice: the deep belief that saving is the key to financial success. Saving is important, of course.…