My Financial

Get a Handle on Your Money Matters. All The Information About Your Home You Need To Get Organised is Right Here.




running a household

Think about everything that goes into running the typical household. Even though many of our homes are getting smarter and greener, they don’t fully run themselves! From the mortgage or rent payments to regular maintenance and upkeep, the utility bills you pay on a monthly and yearly basis are plentiful. 




"In the year to 30 June 2016, about 31 percent of households spent one-quarter or more of their total income on housing costs."*




If you weren't there to help could they be located with ease? Do the utilities in your name need to be transferred to someone else? What about bank account details and insurance policies? 


Home Sweet Home

As we move through life it’s often inevitable that things get lost, misplaced, or forgotten. Here’s an overview of what types of information that comes with running a household. Simply add to it all your LifeLot account and keep it in order.


Running a Household

HOME OWNER

  • Ownership status (financed, rented or leased)
  • House deeds or lease agreements
  • Rates and regular taxes
  • Mortgage provider and Account Numbers


RENTAL

  • Landlord Details
  • Rental Agreements
  • Contracts
  • Bond Number, Bond Amount
  • Property Manager


I've got your back!Why It’s Important To Organise And Share All This Stuff With Someone

Life is full of twists and turns. By planning and gathering together all these bits and pieces now will relieve a lot of stress later. Whether you’re recovering from surgery, are the victim of an unexpected accident, or embarking on the one adventure every human must eventually take into the great beyond, this info will come in handy for your family and loved ones. By organising and sharing the location of all these things you’re helping your family easily settle your estate, pay required taxes, and quickly receive the benefits they are entitled.


Utilities

This could be a very long list! Here’s a few we've come up with to get you going. Keep an updated list with this contact information and never be caught short again.


Image: Power lines
  • Telephone and Internet Provider
  • Mobile Phone
  • Smart home devices
  • Gardens, Landscaping and Lawncare
  • Power / Energy Provider
  • Home Ventilation
  • Waste Management
  • Water Provider
  • Pool Maintenance
  • Security and Alarm Monitoring
  • Pest Control
  • Home handyman


Utilities: Name of Provider • Website account login and passwords • Account Numbers  •  Supplier Payment Details




"You see, being organised is NOT about being perfect;
it's about customising your whole world to work for you."




Assets and Investments

It’s a worry how easy it is to lose or misplace money! While finding $10 in the bottom of your gym bag may put a smile on your dial, forgetting about a bank or investment account that contains thousands of dollars would turn that smile upside-down! What if an investment goes untouched for years because you forgot about it or never told anyone it existed?


Image: An investment in knowledge pays the best interest

  • Jointly and solely owned assets
  • Property
  • Car/boat/motorbike/caravan
  • Firearms


Assets: Date Purchased • Asset details • Account Numbers  •  Registration and WOF Details  •  Instructions for after passing (firearms)

Insurance

While some people have minimal or no insurance, it is possible to insure anything! Save time and money by opting to share some of your files with your Insurance Broker or advisor. You can allow them to update this section with your latest applications, policies or contracts automatically for you. See delegates for more info.


  • Insurance Providers
  • Type of Insurance
  • Policy Numbers
  • Online Portal account log in and password
  • Insurance Broker
  • Contact Information
  • Upload Policies and Contacts


Don't have insurance?

Click here to view our recommended insurance advisors whose dedication to helping others aligns perfectly with our LifeLot values.


Budgeting

Budgeting lies at the foundation of every financial plan. It doesn’t matter if you’re living paycheck to paycheck or earning six-figures a year, you need to know where your money is going if you want to have a handle on your finances.


Image: bags of shopping

Unlike what you might believe, budgeting isn’t all about restricting what you spend money on and cutting out all the fun in your life. It’s really about understanding how much money you have, where it goes, and then planning how to best allocate those funds.


Don't have a budget?

LifeLot has everything you need to help you create, maintain, and securely store a budget. Sign me up!


If you’re having difficulty coming up with all of the various expense categories for your budget, we’ve created a budget worksheet that can help you organise everything. This worksheet has the most common expenses and can help you keep track of everything in an orderly fashion. (You must be logged in to view this worksheet.)


Kiwisaver and Retirement

Whether you retire early or late, you will make some big financial decisions. So, plan ahead and think things through. The goal is to turn your government benefits, pensions and savings into a lifetime income. KiwiSaver is a voluntary, work-based savings initiative to help you with your long-term saving for retirement. It is a government initiative involving Kiwisaver providers, employers and several government agencies.

Image: seedling growing in an outstretched hand
  • Fund Type
  • Investor Number
  • Provider contact details
  • Online Portal (URL/username/password)
  • Upload files




A Glimpse Inside

LifeLot acts as your very own personal database from which the information you gather and store can be retrieved quickly and presented to you in different ways. The information that is entered in My Financial will feed into many important document templates you can create, like an updated  Will or Enduring Power of Attorney. 


Glimpse inside the My Financial section of LifeLot

I've got your back!Why LifeLot is the solution

Often the only time you seem to think about your important documents is when you need them. And, often you can't find them because you either don't have an organised and centralised system for storing your important documents and/or the last time you needed them, you simply tossed it back into the sea of papers in your home office instead of putting it back where it belonged!

There is probably some other stuff that only sits in your head and your family would love to know. LifeLot ensures important information is passed through generations. In a medical emergency, a delegate will be able to securely access an Advance Care Plan or Will, and call upon other important documents when they're most needed.

SIGN UP NOW


It's simple to set up, free to try, and it can make a world of difference for your family if something happens to you.

*http://www.stats.govt.nz/browse_for_stats/people_and_communities/Households/HouseholdExpenditureStatistics_HOTPYeJun16/Commentary.aspx


back to top