Where there's a wedding – there's a way
Harmoney
by
2y ago
Tegan’s partner popped the question on her birthday, 2019. Long before she, or any of us, knew what 2020 would be like. She didn't know the savings plan she and her partner put together for the wedding would be needed for other things. 2020 would see illness, and job losses in the family. But being pragmatic didn’t mean Tegan couldn’t remain optimistic. She and her partner had good, stable jobs, and a future together to look forward to. Her wedding would happen—she just needed to think outside the box, look at things in a new way, and focus on what’s important. Tegan and her partner decided to ..read more
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Making the most of a journey
Harmoney
by
3y ago
Jone has been a Harmoney customer for a few years, where he’s used a couple of loans to fund trips to visit family back in his homeland of Fiji, or different parts of New Zealand. It seems travelling has always played a part in Jone’s life. He’s originally from Moala, part of the Lau group of islands in Fiji. From there, his fascination with machines has taken him all over the world. He initially studied in Suva before serving in the Fiji Military Forces, where he undertook peacekeeping duties in Lebanon through UNIFIL, the United Nations Interim Force in Lebanon. On returning to Fiji, he lect ..read more
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The debt circuit-breaker
Harmoney
by
3y ago
“It just got to the point where it was just like – what are we doing? We both work 5 days a week – we work hard. But we’re not living at all!” Bridgette wasn’t sure what the answer was. She and her partner earned good salaries, and some money came in through other sources. There had to be a way, and she was determined to find it. Over the years, the debt had started to accumulate. Growing up in a sporting family, Bridgette wanted to do everything she could to support her own children’s passion and talent for sport, especially when that led to representative-level duties. Competing for NZ inter ..read more
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And puppy makes three
Harmoney
by
3y ago
Plans for the wedding were on track – in 2020, that’s a feat in itself. Hope and her fiance had been saving toward their wedding and things were falling into place nicely as the November wedding date approached. Then on the eve of the wedding, while focused on last minute preparations, Hope got an unexpected phone call. For those unaccustomed to buying a purebred puppy, it may come as a surprise that it can be a long wait before one comes available. Depending on the breed you’re looking for, that wait can be many years. In Hope’s case, the tail-wagging, four-legged companion she sought was a W ..read more
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Flexibility is the key
Harmoney
by
3y ago
Jason (pictured with one of his Indian ring-neck parakeets) and his wife hand-rear birds, which are then sold through pet shops – Cockatiels, Indian Ringneck parrots, Moustache parrots, and pink and grey Galahs. They’re not commercial breeders - they do it because they love it. Hand-rearing birds allows them to spend time with animals they love, and the birds grow up super-friendly, making them great pets. Jason’s first loan with Harmoney wasn’t bird-related - it was a vehicle loan. “It was so long ago I’m not sure if it was to buy a vehicle or for repairs to a vehicle - it was one or the othe ..read more
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Finding a way
Harmoney
by
3y ago
Although Harmoney customer, Hinga, felt she and her husband were managing to cope - considering changes in their finances brought on by COVID - she was desperate to ease the pressure they were feeling from credit card debt. “I decided to have a closer look and realised the repayments I was making on credit cards really weren't doing much. Due to the interest rate being charged, it wasn’t doing much to the balance - maybe a few dollars off.” A couple of years before, Hinga took out a small Harmoney loan to replace one of their cars with a more reliable one, and since then had qualified to app ..read more
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Up and flying
Harmoney
by
3y ago
To help cope with grief, some people try to keep busy. Robert didn’t really have a choice. With no insurance to fall back on when his wife passed away, Robert needed to return to work quickly, and in the decades that followed he threw himself into his work and his family. Professionally, Robert continued to advance, reaching senior teaching positions in everything from computer technology to business to maths. And while teaching has been enormously satisfying for Robert, he felt a pull of another direction as the years moved on. Then a few years ago an opportunity came along that he couldn’t i ..read more
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6 Tips for Working at Home
Harmoney
by
3y ago
In our last post, we discussed tips for setting up a home office. Read those tips here. Once your office is set up just the way you like it, here are some tips to help get your workflow back to what it was at your company office.   Put on pants, probably   Working from home gives you unmatched freedom when it comes to working attire. This freedom, however, may not be the best when it comes to increasing productivity. While studies show that dressing up and dressing down will both heighten your output, The Muse insightfully points to an article from Harvard about the importance of int ..read more
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Spring renovation season
Harmoney
by
3y ago
Spring renovation season   There is something special about the transition from winter to spring that brings out the inner home renovation spirit in us. As the temperatures warm up and the sun comes out so do the garden gloves, work clothes, and the power tools.   Start small   While the room extension to the house may sound appealing the addition of another room to the house can quickly get expensive. And complicated with possible paperwork and forms to fill out! Check out this list of cheap and easy DIY ideas to get the ball rolling.   Take advantage of the secondhand mar ..read more
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Spring Clean your finances
Harmoney
by
3y ago
Spring clean your finances Spring has officially sprung here in New Zealand! With the turn of the seasons comes the age-old tradition of taking time to do a thorough clean of all the accumulated household junk from the last year. While you are in the cleaning mood, you might want to take a critical look at cleaning your finances too. Giving yourself time for a monetary makeover at least once a year could help you keep cash in your wallet and financial stress at bay.    Before you start diving into the specifics of your finances, it may be worth it to take some time to carefully con ..read more
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