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		<title>40+ Cheap Christmas Ideas Real Mums Swear By</title>
		<link>https://mumsmoney.co.nz/cheap-christmas-ideas/</link>
		
		<dc:creator><![CDATA[Emma Healey]]></dc:creator>
		<pubDate>Mon, 26 Oct 2026 11:49:25 +0000</pubDate>
				<category><![CDATA[Family]]></category>
		<guid isPermaLink="false">https://mumsmoney.co.nz/?p=22126</guid>

					<description><![CDATA[We&#8217;re staying home for Christmas this year, on a small budget and with a lot less pressure. So I asked the followers of my Facebook page for your best low-cost ideas, and you didn&#8217;t hold back. More than 40 of you shared gifts, meals, traditions and games that cost next to nothing, and I promised ... <a title="40+ Cheap Christmas Ideas Real Mums Swear By" class="read-more" href="https://mumsmoney.co.nz/cheap-christmas-ideas/" aria-label="More on 40+ Cheap Christmas Ideas Real Mums Swear By">Read more</a>]]></description>
		
		
		
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		<title>10 Things We Quit Buying at Christmas to Save Money</title>
		<link>https://mumsmoney.co.nz/things-we-quit-buying-at-christmas/</link>
		
		<dc:creator><![CDATA[Emma Healey]]></dc:creator>
		<pubDate>Mon, 26 Oct 2026 06:18:47 +0000</pubDate>
				<category><![CDATA[Family]]></category>
		<guid isPermaLink="false">https://mumsmoney.co.nz/?p=22116</guid>

					<description><![CDATA[Christmas has a way of filling the house with stuff nobody asked for. Somewhere between the advent calendars, the themed socks and the matching napkins, a lot of money goes on things that are used once, ignored, or in the bin by Boxing Day. We&#8217;ve been cutting back for a while now in a move ... <a title="10 Things We Quit Buying at Christmas to Save Money" class="read-more" href="https://mumsmoney.co.nz/things-we-quit-buying-at-christmas/" aria-label="More on 10 Things We Quit Buying at Christmas to Save Money">Read more</a>]]></description>
		
		
		
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		<title>The first time I hacked life (and it was just maths)</title>
		<link>https://mumsmoney.co.nz/the-first-time-i-hacked-life/</link>
		
		<dc:creator><![CDATA[Emma Healey]]></dc:creator>
		<pubDate>Mon, 12 Oct 2026 01:36:16 +0000</pubDate>
				<category><![CDATA[Money Management]]></category>
		<guid isPermaLink="false">https://mumsmoney.co.nz/?p=22091</guid>

					<description><![CDATA[I didn’t have a name for it back then — there was no “life hack,” no plan, nothing clever. But looking back, it was the first time I ever got a real taste of time freedom, years before I knew that was even a thing worth going after. I was in my early twenties, freshly ... <a title="The first time I hacked life (and it was just maths)" class="read-more" href="https://mumsmoney.co.nz/the-first-time-i-hacked-life/" aria-label="More on The first time I hacked life (and it was just maths)">Read more</a>]]></description>
		
		
		
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		<title>How We Saved Money on Our First Family Cruise (and Got Hooked &#8211; We&#8217;ve Now Done 5)</title>
		<link>https://mumsmoney.co.nz/saved-money-first-family-cruise/</link>
		
		<dc:creator><![CDATA[Emma Healey]]></dc:creator>
		<pubDate>Sat, 26 Sep 2026 03:10:39 +0000</pubDate>
				<category><![CDATA[Travel]]></category>
		<guid isPermaLink="false">https://mumsmoney.co.nz/?p=22048</guid>

					<description><![CDATA[In 2014, through some contract work I was doing in the travel industry, I found a last-minute cruise deal on the Mediterranean. In my pre-Mum life, I worked in the travel industry and I know how popular cruise travel has become.&#160; And for good reason &#8211; your holiday begins the minute you board. If you ... <a title="How We Saved Money on Our First Family Cruise (and Got Hooked &#8211; We&#8217;ve Now Done 5)" class="read-more" href="https://mumsmoney.co.nz/saved-money-first-family-cruise/" aria-label="More on How We Saved Money on Our First Family Cruise (and Got Hooked &#8211; We&#8217;ve Now Done 5)">Read more</a>]]></description>
		
		
		
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		<title>How a Year of Travel Completely Rewired Our Finances (and Our Life)</title>
		<link>https://mumsmoney.co.nz/how-a-year-of-travel-rewired-our-finances/</link>
		
		<dc:creator><![CDATA[Emma Healey]]></dc:creator>
		<pubDate>Sat, 19 Sep 2026 06:11:50 +0000</pubDate>
				<category><![CDATA[Money Management]]></category>
		<guid isPermaLink="false">https://mumsmoney.co.nz/?p=22020</guid>

					<description><![CDATA[Years ago, my husband and I packed up our little family and took off overseas. One kid, one suitcase each, and a vague plan to be gone for eight months or so. We ended up travelling for over a year. We lived in tiny Airbnbs across Mexico, Ireland, the UK, and Spain. We hauled too ... <a title="How a Year of Travel Completely Rewired Our Finances (and Our Life)" class="read-more" href="https://mumsmoney.co.nz/how-a-year-of-travel-rewired-our-finances/" aria-label="More on How a Year of Travel Completely Rewired Our Finances (and Our Life)">Read more</a>]]></description>
		
		
		
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		<title>How to Do the Gold Coast on a Budget with Kids (Every Tip We Know)</title>
		<link>https://mumsmoney.co.nz/gold-coast-australia-budget-with-kids/</link>
		
		<dc:creator><![CDATA[Emma Healey]]></dc:creator>
		<pubDate>Fri, 07 Aug 2026 05:50:52 +0000</pubDate>
				<category><![CDATA[Travel]]></category>
		<guid isPermaLink="false">https://mumsmoney.co.nz/?p=21797</guid>

					<description><![CDATA[When I shared our Gold Coast money-saving tips from our year of travel with the kids on Facebook, something brilliant happened. Hundreds of NZ families who&#8217;d been there themselves piled in with their own advice &#8211; things we&#8217;d missed, things we&#8217;d got wrong, and insider knowledge you won&#8217;t find in a tourist brochure. So here ... <a title="How to Do the Gold Coast on a Budget with Kids (Every Tip We Know)" class="read-more" href="https://mumsmoney.co.nz/gold-coast-australia-budget-with-kids/" aria-label="More on How to Do the Gold Coast on a Budget with Kids (Every Tip We Know)">Read more</a>]]></description>
		
		
		
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		<title>Starting From Zero With Money? Here&#8217;s the Exact Order I&#8217;d Follow</title>
		<link>https://mumsmoney.co.nz/starting-from-zero-with-money/</link>
		
		<dc:creator><![CDATA[Emma Healey]]></dc:creator>
		<pubDate>Wed, 05 Aug 2026 07:48:38 +0000</pubDate>
				<category><![CDATA[Money Management]]></category>
		<guid isPermaLink="false">https://mumsmoney.co.nz/?p=21911</guid>

					<description><![CDATA[I burst into tears in my accountant&#8217;s office at 23. I was filling out a loan application to pay a $5,000 tax bill I hadn&#8217;t saved for, and it was the first time I&#8217;d ever seen my whole financial mess written down in one place. Credit card debt, store cards, a personal loan, and nothing ... <a title="Starting From Zero With Money? Here&#8217;s the Exact Order I&#8217;d Follow" class="read-more" href="https://mumsmoney.co.nz/starting-from-zero-with-money/" aria-label="More on Starting From Zero With Money? Here&#8217;s the Exact Order I&#8217;d Follow">Read more</a>]]></description>
		
		
		
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		<title>Why a Quarter of Kiwi Families Can&#8217;t Cover a $500 Surprise Bill</title>
		<link>https://mumsmoney.co.nz/why-a-quarter-of-kiwi-families-cant-cover-a-500-surprise-bill/</link>
		
		<dc:creator><![CDATA[Emma Healey]]></dc:creator>
		<pubDate>Sun, 02 Aug 2026 03:49:06 +0000</pubDate>
				<category><![CDATA[News]]></category>
		<guid isPermaLink="false">https://mumsmoney.co.nz/?p=21893</guid>

					<description><![CDATA[New data from Kiwibank&#8217;s 2026 State of Savings Index landed this week, and one number stands out: a quarter of New Zealanders don&#8217;t have enough set aside to cover an unexpected $500 bill. Not a holiday, not a new car &#8211; a $500 bill. A broken washing machine. A trip to the dentist. A car ... <a title="Why a Quarter of Kiwi Families Can&#8217;t Cover a $500 Surprise Bill" class="read-more" href="https://mumsmoney.co.nz/why-a-quarter-of-kiwi-families-cant-cover-a-500-surprise-bill/" aria-label="More on Why a Quarter of Kiwi Families Can&#8217;t Cover a $500 Surprise Bill">Read more</a>]]></description>
		
		
		
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		<title>How We Invest: The Exact Strategy We&#8217;re Using to Retire Early</title>
		<link>https://mumsmoney.co.nz/how-we-invest/</link>
		
		<dc:creator><![CDATA[Emma Healey]]></dc:creator>
		<pubDate>Tue, 21 Jul 2026 04:26:03 +0000</pubDate>
				<category><![CDATA[Making Money]]></category>
		<guid isPermaLink="false">https://mumsmoney.co.nz/?p=21825</guid>

					<description><![CDATA[I get asked about this a lot, so I figured it was time to just lay it all out. This is not a &#8220;you should do this too&#8221; post. Personal finance is personal, and what works for our family is specific to our situation. But I&#8217;m a big believer in transparency &#8211; because when I ... <a title="How We Invest: The Exact Strategy We&#8217;re Using to Retire Early" class="read-more" href="https://mumsmoney.co.nz/how-we-invest/" aria-label="More on How We Invest: The Exact Strategy We&#8217;re Using to Retire Early">Read more</a>]]></description>
		
		
		
			</item>
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		<title>5 Ways to Automate Your Savings (So Willpower Never Has to Show Up)</title>
		<link>https://mumsmoney.co.nz/4-ways-to-put-saving-on-autopilot/</link>
		
		<dc:creator><![CDATA[Emma Healey]]></dc:creator>
		<pubDate>Wed, 15 Jul 2026 14:09:48 +0000</pubDate>
				<category><![CDATA[Money Management]]></category>
		<guid isPermaLink="false">https://mumsmoney.co.nz/?p=21814</guid>

					<description><![CDATA[One of the best (and easiest) ways to save money is by making it happen automatically. Remove the human from the process, and things happen a lot more smoothly. When I first started automating our savings, I didn&#8217;t trust it &#8211; I was convinced I&#8217;d &#8220;forget&#8221; and overspend without noticing. Six months later, I barely ... <a title="5 Ways to Automate Your Savings (So Willpower Never Has to Show Up)" class="read-more" href="https://mumsmoney.co.nz/4-ways-to-put-saving-on-autopilot/" aria-label="More on 5 Ways to Automate Your Savings (So Willpower Never Has to Show Up)">Read more</a>]]></description>
		
		
		
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