Comments for Online Personal Finance Blog for NZ - heaps! http://blog.heaps.co.nz heaps! is an online tool that helps you save money and get more out of life Thu, 10 Feb 2011 03:03:03 +0000 hourly 1 http://wordpress.org/?v=3.0.1 Comment on Starting the year without financial stress by Averil http://blog.heaps.co.nz/life-stages/student/starting-the-year-without-financial-stress/comment-page-1/#comment-870 Averil Thu, 10 Feb 2011 03:03:03 +0000 http://blog.heaps.co.nz/?p=2448#comment-870 I totally agree with about the difference in spending when you take a calculator. I did that at the start of the year and it was so helpful, i noticed the difference whenever i didnt take my calculator. The different idea about taking more than you need out for living costs and then saving them is a really good idea and i had never thought to do that. I was getting the maximum living costs and the amount i earnt from my part time job and had a habit of spending it on things i didnt really need. Saving and repaying would have been a much better option. Keep up with the awsome advice :) I totally agree with about the difference in spending when you take a calculator. I did that at the start of the year and it was so helpful, i noticed the difference whenever i didnt take my calculator.

The different idea about taking more than you need out for living costs and then saving them is a really good idea and i had never thought to do that. I was getting the maximum living costs and the amount i earnt from my part time job and had a habit of spending it on things i didnt really need. Saving and repaying would have been a much better option.

Keep up with the awsome advice :)

]]> Comment on Heaps! is now available to all of New Zealand! by Melinda http://blog.heaps.co.nz/heaps-updates/new-features/heaps-is-now-available-to-all-of-new-zealand/comment-page-1/#comment-869 Melinda Sun, 06 Feb 2011 22:57:35 +0000 http://blog.heaps.co.nz/?p=2261#comment-869 Hi there! What bank are you with? You should be able to log into your internet banking and download your transactions from there in multiple different formats - no software required. Also, if you have any questions, issues, or suggestions please feel free to email support@heaps.co.nz at any time and they will get back to you very quickly on anything like this, cheers! :) Hi there!

What bank are you with? You should be able to log into your internet banking and download your transactions from there in multiple different formats – no software required.

Also, if you have any questions, issues, or suggestions please feel free to email support@heaps.co.nz at any time and they will get back to you very quickly on anything like this, cheers! :)

]]> Comment on New and Improved Budgeting by john smith http://blog.heaps.co.nz/heaps-updates/new-features/new-and-improved-budgeting/comment-page-1/#comment-864 john smith Fri, 04 Feb 2011 04:20:45 +0000 http://blog.heaps.co.nz/?p=2435#comment-864 now with stocks the only sure way to make money is investing in gold and other precious metals like silver. I dumped all my stocks so that I may make money off of gold. I hope to be rich soon. The precious metal market is looking good. The dollar keeps declining. Great work on your post. now with stocks the only sure way to make money is investing in gold and other precious metals like silver. I dumped all my stocks so that I may make money off of gold. I hope to be rich soon. The precious metal market is looking good. The dollar keeps declining. Great work on your post.

]]> Comment on Heaps! is now available to all of New Zealand! by A http://blog.heaps.co.nz/heaps-updates/new-features/heaps-is-now-available-to-all-of-new-zealand/comment-page-1/#comment-854 A Sun, 16 Jan 2011 03:13:33 +0000 http://blog.heaps.co.nz/?p=2261#comment-854 How am I supposed to upload my statements in .myb when when I dont own any myob software and my bank supplies them in .pdf ??? How am I supposed to upload my statements in .myb when when I dont own any myob software and my bank supplies them in .pdf ???

]]> Comment on Categorisation Update by Peter http://blog.heaps.co.nz/heaps-updates/new-features/categorisation-update/comment-page-1/#comment-840 Peter Sun, 09 Jan 2011 09:32:09 +0000 http://blog.heaps.co.nz/?p=1677#comment-840 Stepping in rather late here.... I agree with the general sentiment. This is a very interesting decision that Heaps has made to not allow users to set their own categories. It's the only budgeting system I have come across that has made that decision. And that's a telling sign - in every other system it's an essential tool. It's no different with Heaps, and makes it useless without. It's a case of close but no cigar. Continuing to add more and more categories for people is an exercise in futility. You will never be able to finally come to a "one size fits all" category taxonomy that everyone will be able to use. People's lives/spending/income/habits are so incredibly different you will just end up with what you have now - one size fits some people well enough, the rest leave. Your feedback forums, as well as these blog comments make it pretty obvious. I also think you are confusing the point of tagging. Tagging is a folkonomy, and a very different thing, with a very different purpose to a budget categorisation system, which a taxonomy. A taxonomy is a fixed and structured framework - exactly what you need for a budget. A folksonomy is ad-hoc and can be anything at any time - which is great for the examples you've talked about but NOT for replacing custom categories in a budget. It's really disappointing to see you've made the decision to not have custom categories. When it was mentioned in the feedback forums last year that it was planned I was very excited and hanging out for it. In short - a budget that I can't control is not a budget. It's a glorified bank statement. Stepping in rather late here….
I agree with the general sentiment.

This is a very interesting decision that Heaps has made to not allow users to set their own categories. It’s the only budgeting system I have come across that has made that decision. And that’s a telling sign – in every other system it’s an essential tool. It’s no different with Heaps, and makes it useless without. It’s a case of close but no cigar.

Continuing to add more and more categories for people is an exercise in futility. You will never be able to finally come to a “one size fits all” category taxonomy that everyone will be able to use. People’s lives/spending/income/habits are so incredibly different you will just end up with what you have now – one size fits some people well enough, the rest leave. Your feedback forums, as well as these blog comments make it pretty obvious.

I also think you are confusing the point of tagging. Tagging is a folkonomy, and a very different thing, with a very different purpose to a budget categorisation system, which a taxonomy. A taxonomy is a fixed and structured framework – exactly what you need for a budget. A folksonomy is ad-hoc and can be anything at any time – which is great for the examples you’ve talked about but NOT for replacing custom categories in a budget.

It’s really disappointing to see you’ve made the decision to not have custom categories. When it was mentioned in the feedback forums last year that it was planned I was very excited and hanging out for it.

In short – a budget that I can’t control is not a budget. It’s a glorified bank statement.

]]> Comment on Finding the right home loan by Alicia http://blog.heaps.co.nz/how-to/buy-a-home/finding-the-right-home-loan/comment-page-1/#comment-736 Alicia Mon, 13 Dec 2010 20:40:30 +0000 http://blog.heaps.co.nz/?p=1184#comment-736 Glad we could help! :D Glad we could help! :D

]]> Comment on Finding the right home loan by James Easton http://blog.heaps.co.nz/how-to/buy-a-home/finding-the-right-home-loan/comment-page-1/#comment-735 James Easton Mon, 13 Dec 2010 08:41:51 +0000 http://blog.heaps.co.nz/?p=1184#comment-735 Hey this is some great information, it really helped me out so thanks heaps.co.nz :) Hey this is some great information, it really helped me out so thanks heaps.co.nz :)

]]> Comment on How to Save Money: Using Less is Best by Stevo http://blog.heaps.co.nz/how-to/how-to-save-money-using-less-is-best/comment-page-1/#comment-724 Stevo Mon, 06 Dec 2010 18:51:37 +0000 http://blog.heaps.co.nz/?p=372#comment-724 Amen to that ! Easy ways to save money :) I'm a huge fan of diluting Juices, try Mizone rapid too! My friends sat they can't stand diluted juice, but probably won't even give it a chance. Good thinking Alicia. Amen to that ! Easy ways to save money :) I’m a huge fan of diluting Juices, try Mizone rapid too! My friends sat they can’t stand diluted juice, but probably won’t even give it a chance. Good thinking Alicia.

]]> Comment on 7 Financial Questions to ask your Fiancé(e) before the Wedding! by Alicia http://blog.heaps.co.nz/how-to/7-financial-questions-to-ask-your-fiancee-before-the-wedding/comment-page-1/#comment-722 Alicia Sun, 05 Dec 2010 20:09:48 +0000 http://blog.heaps.co.nz/?p=1965#comment-722 Thank you, so glad you found it useful! :) Thank you, so glad you found it useful! :)

]]> Comment on 7 Financial Questions to ask your FiancĂ©(e) before the Wedding! by Jenny http://blog.heaps.co.nz/how-to/7-financial-questions-to-ask-your-fiancee-before-the-wedding/comment-page-1/#comment-720 Jenny Fri, 03 Dec 2010 15:31:53 +0000 http://blog.heaps.co.nz/?p=1965#comment-720 Thanks for sharing this with me! It seems that many people preparing for marriage are so excited about the wedding that they forget to prepare for MARRIAGE - and especially the financial aspect of it. Financial problems are the leading cause, by far, of a broken marriage. This list of questions is perfect! Thanks for sharing this with me! It seems that many people preparing for marriage are so excited about the wedding that they forget to prepare for MARRIAGE – and especially the financial aspect of it. Financial problems are the leading cause, by far, of a broken marriage.

This list of questions is perfect!

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