Saturday, 15 November 2014

The KiwiSaver Experience

One Kiwi's view on KiwiSaver

I decided to stray off the path a little here and write a post about my experience with the KiwiSaver scheme.. I am surprised to met people who think twice about joining even now in 2014 and when you think of how much they could have saved by now.
 For me joining the KiwiSaver scheme was perhaps one of the best moves I made. Talking my husband into signing up not long after was the second best move. In a very short time we saved a lot of money. In the early days the top up was a little over 1000$ each year depending on how much you have contributed, and that certainly made a huge difference to the balance. Now the top up is half that but the savings still grows.

A Chance To Purchase

My income has always been at the low end of the scale yet when KiwiSaver came along I did not even have to consider the option to join or not I just knew it was wise and that I would learn to live without the small percentage of my wage that I contribute each week. I did not even miss it.

We Bought a House in 2012.

The chance came up to try and purchase a house. My mother was terminally ill and a house next door to where she lived had been on the market for a year. I had been running into town from a farm house we rented for 5 years 7 days a week to help her and so as the help she needed was becoming more time consuming  I had plenty of motivation to find an  easier solution. Plus I always wanted my own house.
 I went to the auction on the house next door and was amazed at the low bids put in . It  did not sell and that got me thinking. I had saved a little and after going over figures on a mortgage calculator and looking at savings along with home start help through our KiwiSaver I figured we had nothing to loose so decided to give it a go.
We got lucky and purchased the property. With out the added help from KiwiSaver the outcome may not have been successful. It helped so much and the good news our top ups and employer contributions stayed in out KiwiSaver accounts and now after 2 years .
Sadly Mum 's illness won over 9 months later. She was so happy that we had a house and enjoyed watching us put the gardens in .
 I love the house and it is great owning our own home and also have a tidy balance which is being added to each week to help with our retirement.

Sum It Up

It pays to join KiwiSaver in my view, a good move to make.

Tuesday, 4 November 2014

Wild West Auckland Coast

At Last

 I have so amazing photos to share with you of Auckland's West Coast.
It has been a while coming but  finally I have managed a weekend away with friends and have just enjoyed 2 wonderful nights in a place called Keddle House. A concrete Californian style cottage. Build in 1931 on a cliff overlooking Anawhata Beach just north of Auckland's famous Piha Beach.

Keddle House

The cottage itself is available to the public for accommodation for a very good price.
The views are  totally million dollar views and this is also a good base if you love nature and tramping as there are many walks in the area a favourite for tramping in the Waitakere Ranges.

The Batch sleeps 6, has solar power, good kitchen with gas for cooking., Double bed and 2 sets single bunks. Oh and unbelievable views.
The road out to  Keddle House is long , metal, narrow at times and windy. There are a number of walks off the road.

A weekend of walks, photography and stunning views.

The weekend as usual went too fast. But it was fantastic. The camera clicked continuously and I have to say some of the best scenery I have seen. The walk down to the beach from the Cottage was steep and we made several trips down and back up over the weekend. The following are just some of the 246 photos that I ended up taking. If you are in Auckland and love nature and scenery I recommend a trip to Auckland's West Coast. A beautiful place.

 Photos of Anawhata Beach West Coast Auckland New Zealand

I think you will agree the scenery of New Zealand's West Coast is Breath taking.

Amazing Views Over Anawhata  Beach West Coast Auckland

Rock Formations West Coast Beach NZ

Keddle House

Hope you like the photos I enjoyed taking them and soaking up a weekend with Nature.

Auckland Day Tours