alicia@heaps.co.nz

By Alicia

Add a comment

Goals are awesome. They motivate you and keep your on track to getting what you want. In heaps! we’ve made goal setting even easier by creating goal templates for you to choose from. Of course you can still set your own goals, but these templates come with a list of tasks that are filled out already for you and will keep you on track to achieving your goal faster. You can choose from templates like buying a car, buying a house, getting out of debt, saving for a medical procedure, going on holiday and saving for retirement. Check out the screenshot below for a taste of what these templates look like:

When ever you want to add money towards your goal you no longer have to go to the goals page first. Just click “I spent it on a goal” when you’re categorising a transaction and it will do it quickly for you. Check out our new goals tracking page below, it is full of milestones along the way to help you break up your journey.

Even better, now you can celebrate by seeing a goal completed in heaps!. Your completed goals are also kept on record so you can see past goals that you have achieved. Go you!

  • Add a new goal from categorisation – If you click on “I spent it on a goal” when you’re categorising a transaction you’ll be able to add a new goal without going on to the goals page first.
  • Goals progress display – your goals graphs will constantly update to show how much you’ve saved and spent on your goal.
  • Easier editing of goals – you’ll be able to edit your goals easier and faster, mark a goal as spend or investment, and see your goal picture instantly after uploading.
alicia@heaps.co.nz

By Alicia

Add a comment

How can you make it easier to understand your finances? By adding structure and getting organised! When it comes to understanding your spending, for some, a general overview is good, and for others, the more detail the better. You’ll notice the next time you log into heaps! that we have implemented a new look to the categories’ interface. We’ve added new style and effects so that when you categorise a transaction, you no will no longer have to scroll down and find your place again.

Also regarding transactions, there are new abilities for marking transactions as regular. When you categorise a transaction you will be able to mark an income transaction as being regular, and you when you mark any transaction as regular you will be able to enter a custom amount of how much you expect it to be each time. If you would like to allocate money towards your goal you can now do that on this page. Just click “I spent it on a goal” when you are categorising a transaction and heaps! will allocate this money for you. Too easy! Log in now to check out the new changes!

Bobby

By Bobby

Add a comment

The team here at heaps! has been working hard to improve things for everyone and our latest upgrade is going to be implemented Tuesday night, so unfortunately you won’t be able to access heaps! from 10pm. You can look forward to the following new features once the site is back up and running at around 8am on Wednesday morning:

New look interface during categorisation You’ll see new style and effects when you go to categorise a transaction, and it will appear under the transaction so that after you save, you won’t have to scroll down and find your place again.

New abilities for marking transactions as regular When you categorise a transaction you will be able to mark an income transaction as being regular, and you when you mark any transaction as regular you will be able to enter a custom amount of how much you expect it to be each time.

Goal templates With our new templates you’ll be able to choose a goal such as “Buy a car” or “Get out of debt” with the name, description and tasks already filled out for you.

Add a new goal from categorisation If you click on “I spent it on a goal” when you’re categorising a transaction you’ll be able to add a new goal without going on to the goals page first.

Goals progress display Your goals graphs will constantly update to show how much you’ve saved and spent on your goal.

Easier editing of goals You’ll be able to edit your goals easier and faster, mark a goal as spend or investment, and see your goal picture instantly after uploading.

We’re also releasing fixes for some bugs that we’ve found throughout the site, so heaps! will be running smoother than ever. These include mending the goal calculator, fixing up the way that categorisation remembers bill payments and income, stopping the budget start date from wandering for those of you who budget fortnightly, making the graph and figures on the homepage consistent, resetting sub categories when you go back to “All Spending” on the spending page and fixing a couple of bugs in our welcome wizard.

So bear with us on Tuesday night while heaps! is down during our upgrade, then log in on Wednesday and check out the new improvements!

alicia@heaps.co.nz

By Alicia

2 Comments

buy lessLooking for ways to save money I stumbled across this helpful little video from Howcast. There were a few good tips on ways to save in there I’m sure you could benefit from.

1. Cutting back on paper products not only saves you money but is environmentally friendly. You can replace paper towels with tea towels and cloth rags and can use the back of envelopes for writing shopping lists.

2. Bottled water is not only becoming increasingly expensive it creates an insane amount of plastic waste. Fill up drinking bottles with tap water and squeeze in some lemon for extra flavour. If you don’t like tap water, use a filter.

3. Aim to buy less food. Make sure you eat food before it goes bad and start monitoring how much food you end up throwing out so you can make better choices.

4. If you use your cell phone regularly, consider getting rid of your home phone line.

5. Find free ways to get fit. Walking, running, stair climbing, jump roping and dancing are all free and great forms of cardio. Using tins of soup or old detergrent bottles filled with water make great hand weights. There are plenty of at-home workouts you can find online.

6. Do you really need that fast food fix? Recreating receipes at home can often be a cheaper and healthier option.

7. More and more TV shows are becoming available online and it is easy to hook up your computer to your TV. Do you really need to keep paying for that TV subscription? You can also wait and rent the entire season of your favourite shows on DVD.

8. Ask your doctor what kind of  supplements and vitamins you should be taking and stick to those. Only buy the ones you need.

christina@heaps.co.nz

By Christina

Add a comment

Was achieving your goal in heaps! but not being able to ‘complete’ it, a bit of an anti-climax?  Well, get your party hat on because now you can!  When you’ve reached your goal, heaps! will display a message on your home page to let you know it’s time to celebrate.

heaps! will also display your completed goals at the bottom of your goals page so you can feel a warm sense of pride every time you check it. Then if you find that you haven’t saved as much as you thought you had or that your goal actually costs more than originally planned, you can reactivate a completed goal by clicking on reactivate and decreasing the amount saved or increasing your goal target. You can also allocate or deduct money from an active goal anytime you like.

We’ve also done some background maintenance so that your heaps! runs more smoothly.  We know that you’re all quite eager to see some of the bigger, more exciting changes, and rest assured, they’re on their way.

janelle

By janelle

Add a comment

FREE!

FREE! Who isn’t drawn to the bold and often colourful word? Contrary to the statement, “Nothing in life is free,” some things actually are! Why not take advantage of the opportunity? Well, in some cases the quote is true. How do you know when “FREE” actually means it’s free? Here are some pointers, and a bit of advice on how to distinguish between when free is better and when it’s not.

Good News!

The good news is; some things in life ARE free! You can find these deals everywhere, and in every part of life. Take for example, free samples; YES! I would love to try a new flavor of a popular brand of crackers, bring on the free ice cream samples! You can get free items everywhere (not just in the local market). Let’s talk about where you can get free clothes, books, kitchen appliances, and ADVICE. Your very own family is generally the best way to get stuff for free. (Of course, you shouldn’t go looking through your brother or sisters closet for a new sweater). However, when the opportunity arises to swap the blender you never use for a slightly used set of knives; don’t pass it up! Swap books, hand-me-downs, movies, games, etc. You’ll save yourself and your family heaps when you share. Does every family really need their own copies of every single Disney movie released?

When you’re shopping, you can come across great free items as well. If you went to the store (and you needed two new pairs of shoes), don’t pass up a buy one get one free deal. Or if you and a friend are both looking for shoes, split the cost of the purchased pair and save! The same idea can apply at the market, or in your favorite clothing shop.

My favorite free things are “FREE FUN!” If I ever come across the opportunity to do something fun or exciting for free, I rarely pass it up (I’d have to be crazy!!!). I was lucky enough to help with some photography for a friend, It was great fun and didn’t cost me anything. I also love “punch cards” (after buying 9 coffee’s I think I deserve the 10th for free!). I also love free advice, (in moderation, of course) it really helps to have the support of your friends and family.

Bad News!

The bad news is, there are often “free” deals that are manipulating. You see these everywhere! Here’s what to watch out for; “Buy 5 get 1 free”, “Eat the entire 6.8 kilo burger, get it free”, “FREE for 90 days”, or “FREE MONEY.”

When you see a “Buy 5 get 1 free” sign, consider this: Do you need 6 of these items? Did you need 5?? Getting you to buy more than you intended or needed originally just for one free item is a marketing scheme. The item is usually marked up enough that the manufacturer doesn’t lose a penny by giving you the free item. (Actually, they are making more money by getting you to buy more). Especially consider what you originally intended to buy when it’s food. Buying 5 loafs of bread to get one free, when you only needed one or two originally, is a bad idea. It’s likely that the additional loafs will grow mold before you get to them.

We all love a challenge, but when you see a sign that says “Eat the ENTIRE 6.8 kilo burger, get it FREE” sign, I encourage you to pass on the opportunity. Unless you are confident you can finish the burger, and that you will be satisfied when you do, you will end up paying an unheard of price for the meal (and suffer from a massive belly ache).

“Free for 90 days” usually translates to: It’s free now, but your locked in for 12 months and for the 9 months it’s not free…  Well, it certainly won’t be cheap! You’ll see deals like this on credit cards (“0% interest for 90 days”), loans, subscriptions, etc. Before you buy into one of these schemes, get all the information and READ the small print! “Free Money” would likely fall under this category. If you receive an email from someone wanting to put some money in your account, all they need is your account information, I hope you can immediately realise that this is a scam!

Take advantage of the free things in life, but be aware that many times people use the word “FREE” to manipulate and scam others into spending more when they need not! What are you favorite free things? Do find it difficult to realise when the word “free” is being used to manipulate?

christina@heaps.co.nz

By Christina

5 Comments

TheBigShwop

OrganisersDesigner clothes up for grabs, giveaways, and free wine – you’d expect this mix to result in a stampeding, chaotic mess.

But on Sunday, there was none of that at the St James Theatre where the Big Shwop was happening.  Instead, most participants went home with a brand new wardrobe and a guilt-free conscience.

(From left) Inga Boyd, Sarah Hopkins, and Christine McGonigal are the masterminds behind the event, and their vision behind the shwop is simple: fashion without sacrificing the environment.  This brilliant idea has the added benefit of being extremely gentle on the wallet.  Here’s how it works:

Shwoppers bring along unwanted articles of clothing in like-new condition and receive a voucher for each piece accepted.  Volunteers then spend a couple hours sorting the garments onto racks (donated by Icebreaker) while participants enjoy a free glass of organic wine, compliments of Momo.  Representatives from Kowtow and Trilogy are in attendance to give talks about the benefits of fair-trade and organic products.  When the shwopping begins, everyone’s on their own to find pieces of clothing they like and fit, and participants can redeem one article of clothing per voucher.  The idea is that everyone adds something new to their wardrobe without having to spend anything on it, and it’s good for the environment because no resources are being used to create new products!

Fashion on a budget

The entrance fee to the event was $20, so no, it wasn’t entirely free.  However, the giveaways alone were worth more than $20.  Women received a Trilogy Everything Balm (RRP $22), men received a Trilogy Aftershave Balm (RRP $32), and everyone received a free glass of Momo wine or Tuatara beer, a bar of Ecostore soap (RRP $4), and a choice of Trilogy face cleanser (up to a $32 value) if they brought an old used cleanser to swap in.  That’s more than $60 in free goods before we even talk about the clothes!

Giveaways

Since you had to bring clothes in order to get clothes, it was a good opportunity for me to clean out my wardrobe and get rid of those  I-rarely-wear-but-don’t-want-to-part-with-because-they’re-so-new items.  This event seemed like a worthy cause and a worth-it cause because I’d be getting something back in exchange (a bit selfish, but that’s the budget-brain talking).  I brought four items, and they accepted all four (the max was 20, but I couldn’t find nearly that amount in like-new condition).  So armed with my vouchers, I waited anxiously for the volunteers to raise the ribbon barring the staircase to the first floor where the racks of clothes were waiting.

ShwopI expected a scene comparable to the piranha feeding frenzies you see on National Geographic, and I had my elbows out ready to box out and stand my ground, but it was quickly evident that there was no need for that.  As soon as the volunteers gave the go, the herd of participants (women of all shapes spanning at least 3 generations) filed civilly up the stairs to browse the racks.  I headed for the row of tops first, since this was what was most lacking in my wardrobe, and my friend beelined for the dresses.  (We strategised ahead of time and agreed that splitting up while keeping an eye out for items for the other person would be the most efficient way to tackle this shwop.)  Soon, we had heaps of new threads to try on!

The fitting area was well-operated, limiting participants to 5 items per try.  Going with a friend made it easy because we took turns holding and trying on.  After making some tough decisions, I narrowed my picks down to 4 items and a pile of maybes.  In the end, my friend didn’t find enough clothes that suited her, so I benefitted from her extra vouchers.  (You’re the best, girlie!)

This was the first time the Big Shwop had a he-shwop section, but sadly, that demographic was poorly represented.  Another friend’s partner was the only possessor of a Y chromosome in sight, and it took him 5 seconds to scan the scant gents’ racks to decide there was nothing there for him.  I know it’s not really a guy-thing to swap clothes, but it’s such a resourceful way of updating your wardrobe!  Come on, guys!

Staying in the green (budget-wise and environmentally)

Staying greenSo was it worth the $20 entrance fee?  Yes, in a heartbeat.  One of the items I scored at the shwop was a $300-something pair of wool trousers by New Zealand designer Zana Feuchs.  The items I brought combined probably didn’t even total that.  Of course, I’m sure there were other participants who were less lucky and might not have found items that were worth their while.  So I’ve thought of a few things that might increase your chances of a successful shwop experience:

  1. Make sure that the clothes you bring are ones that you mean to get rid of anyway (and they do have to be well-made).  Even with the strict quality clothing requirements, it can be a bit hit-and-miss, and there isn’t a guarantee that you’ll find truckloads of things that suit you, so you don’t want to leave feeling bitter about the items you donated.
  2. Have in mind ideas of what you’d like to get so that you’re not overwhelmed and flustered.  Focus, perhaps, on a particular color, style, or garment type to narrow down your choices.
  3. If you didn’t end up using all your vouchers, don’t worry!  You’ll get credit for those at the next shwop you attend.

Overall, the Big Shwop is a well-organised, ethically and environmentally-minded, budget-conscious event.  Fifteen percent of the proceeds go to the Fair Trade Association, and all the clothes that remain are donated to charity.  You can hardly feel bad about the $20 you pay to attend, and if you consider that as part of your budget for clothes shopping, chances are high that you’ll be getting much more than that amount back in quality new clothes.

In the past, the Big Shwop has been held in Wellington and Auckland, so keep an eye out on their blog for the next one!

Hold your own swap party

Swap PartyIf you’re not in Wellington or Auckland (and even if you are), it’s really easy to hold your own swap with a group of friends.  I’m part of a regular one, and it’s a great, inexpensive way to update your wardrobe while spending a pleasant afternoon catching up.  Your swap doesn’t have to have an entrance fee or quality criteria like the Big Shwop, and there won’t be a huge crowd to compete with either.  If you hold them regularly, you can have a constantly evolving wardrobe without ever needing to buy new clothes!  Great for the budget and great for the environment!

What are some other ways of staying on budget while still keeping an interesting wardrobe?  For the guys, how could a clothes swap be modified so that you would want to attend?

alicia@heaps.co.nz

By Alicia

Add a comment

Internet Industry Awards 2010

We are excited to announce that heaps! has been nominated as a finalist for three categories in this year’s New Zealand Internet Industry Awards that will be held in Wellington on the 28th of July.

The New Zealand Internet Industry Awards was launched in 2009 with the aim to celebrate the achievement of companies who have successfully used the Internet as a platform for business, education and society enhancing organisations. By showcasing excellence to the wider community, the Awards hopes to improve people’s understanding of Internet technologies and encourage Internet entrepreneurship in New Zealand.

Liz Dengate Thrush Foundation

The Awards are run by the Liz Dengate Thrush Foundation to encourage Internet entreprenuership and other positive uses of the Internet in New Zealand.

Finalist in three categories

Kiwibank & Social Capital have been nominated for the launch of the first free personal finance management tool from a New Zealand bank for customers www.heaps.co.nz.

Positive Societal Impact
Development of the application, product or services provided on the Internet likely to have the most beneficial impact on New Zealand society.

Best Education Product or Service
The application, product or services provided on the Internet that is likely to have the greatest impact on learning and/or teaching in New Zealand.

Best Business Application
For those that transform their methods of doing business, or change our way of doing business with them.

Thank you so much to Kiwibank, the team at heaps! and the New Zealand Internet Industry Awards! We’ll see you at the banquet!

janelle

By janelle

3 Comments

Don’t let the winter season bog you and your family down! Though it may be cold, and rainy… get your family together and have fun (without spending heaps of money). If you are in need of some inspirational ideas to get you going, read on for fun activities to do when the weather is nice, or not so nice.

Oh What a Lovely Day!

Take advantage of the days when the sun is shining, and the clouds are nowhere to be seen. Put on your coat, and get outside for some fresh air! Take your family hiking, and check out the beautiful landscapes while you explore. Walk around town, stop by the shops and visit your local museums. Take a bike ride, or a car trip all over the place! There are many (low cost) things to do and see all over New Zealand. Not to mention countless free ways to have fun; toss a Frisbee around, play catch, walk the dog, etc.

What a Great Day to Stay Home!

When the weather is not so lovely, and you would much rather stay in; consider these fun idea’s for family activities! Depending on the age of your family, some of these activities will work better than others. I’ll try to provide enough inspiring idea’s that you could work with. Families with young children could enjoy building a fort in the living room, playing twister, creating art, or cooking goodies. If your children are a bit older; you might enjoy card games, sharing stories, watching movies, put together a puzzle, or playing the Wii. We all know that kids eventually grow out of the stage where they think family time is fun, try to get ideas from them on what they would like to do. Or, allow them to help plan the next family vacation.

Ask Your Friends and Family

If you are having troubles pleasing the members of your family, create an “idea bowl.” Have the members of your family write 3 to 5 ideas on a bit of paper, put them all in the bowl and draw one out. Working together is a great way to keep the peace! Ask your friends and relatives what they do to keep themselves entertained during the winter. Sharing your ideas and listening to others is perfect for coming up with new and exciting activities.

Get a babysitter! Take a night out, just you and your mate. Enjoy a quiet dinner and a movie while the kids play with their friends. Or, send the kids to a friends and enjoy a quiet evening at home. Everyone deserves a break!

Take control this winter and have fun! What winter family ideas do you have for families with young children or teens? What has been the most successful way to keep everyone entertained?

No Kids? No Problem!

If your family consists of you and your mate, here are some exciting winter activities for you! If the weather permits, be sure to get outside and take a walk through a nearby park. Take a hiking adventure or consider taking a weekend getaway; take in the views, experience some winter snow sports, or enjoy the nightlife and dining. If you are staying in, try cooking a romantic dinner or having a movie night. Have fun playing games with close friends and family, consider setting up a weekly dinner with friends. (Everyone can save money when everyone pitches in a little to support the fun!)

What ideas do you have for families without children? What is the best way you have found to enjoy your winter without spending heaps of cash?

alicia@heaps.co.nz

By Alicia

Add a comment

How often do you buy shampoo? Detergent? Toothpaste? Saving money doesn’t always have to mean you miss out on buying your favourite products, but it does mean you will have to start paying attention to how you are using them. Using less means the product will last longer and you will not have to buy replacements as often. It also means that in many cases the product still creates the same, if not better, results. So why not try it? Here are a few products you can try:

save money on productsShampoo/conditioner: Using big gallops of shampoo every day can often create build up  in your hair and strip your hair of it’s natural oils. Too much conditioner also makes your hair greasy. You can use far less than recommended amounts and still get great results. Wash your hair every second day and only lather and rinse once.

Moisturizer: Similarly, you don’t need to soak your skin in moisturizer. Smaller amounts work just fine. Especially with cleansers and face moisturizers the recommended amount is about the size of a coin.

Perfume/cologne/body spray: Despite what ad campaigns would have us believe, a single spritz of perfumes and bodysprays is generally enough to give you scent you want. Spraying too much is not only wasteful but the result will usually turn people off because the fragrance is too small. Our noses adapt to smells so because you are surrounded by the fragrance your nose starts to ‘tune it out’ after awhile. So remember, just because you can no longer smell the fragrance, it is very likely that people around you still can.

Deodorant: Similar to perfumes and body sprays, deodorants don’t need to be swiped over the skin five or six times. One good swipe is usually enough to do the job, unless you are going to be sweating large amounts.

save money on cleaning productsLaundry detergent: Using less detergent is good for both your clothes and the washing machine. Too much soap causes build up on your clothes and also in your machine. Try using half as much as normal in a couple of loads and then adjust accordingly.

Dishwasher detergent: Like laundry detergents, you don’t have to fill the detergent cup to the brim to get clean dishes. Try filling it only half full and gauging the results. Or wash dishes by hand is another alternative. Only use the dishwasher for a full load.

Toothpaste: Squirt out an amount slightly larger than the size of a pea to clean your teeth. More most people, this amount is plenty to freshen breath and remove plaque.

Cleaning Products: You don’t have to soak the mirror or flood the toilet with cleaning products just to get a clean house. In general, a little spray on a rag or sponge will clean a large area. You only need a larger amount if you have a massive stain or built up dirt but you can still apply less and just let it soak.

Juice: Most juice is so full of sugar that you can easily dilute it with water and it will still taste good. Try mixing a glass of half juice and half water to begin with and then adjust the amounts depending if it’s too weak or oo sweet. This will make the bottle of juice last twice as long.

I am keen to hear some of your own ideas. What other products could you use less of and still get the same, if not better, results?