Thank you and My thoughts
After spending years knowing absolutly nothing about this part of life and now having spent a fair chunk of time investigating, reading anf trying to make better decision I have come to the following set up. I would love to hear some peoples thoughts, I know it is not perfect but its where I am at now. Thanks to everyone who has already helped along the way.
For reference I am a teacher so a decent salary and very stable job security.
Fortnightly income (after Tax) $2815
expenses - $1558 - mortgage, power, rates, food, personal spending, hobby, petrol, basically everything I need to live plus enjoy my life.
Savings/Investments
Kernel
kernel save - $225 This is my cash buffer (currently 13k) Unsure how high I should let this get.
$300 into growth fund
$50 global esg fund
$50 emergeing markets fund
Squirrel
$323 into squirel saver (9k current) this is my emergency money, once this hits 14k (5 months liveable) which should do by end of the year then this will get diverted into growth fund and cash fund.
$100 cash fund
$150 sharesis - got the 12 month $3 plan so using this till it ends then will look at keeping or not.
$100 - smart us 500 etf (1k current)
$40 - Smart NZ top 50 etf (120 current)
$10 - Smart AUstralian resources ETF (100 current)
I currently also have my kiwisaver with fisher funds and am deciding if staying with them is the best idea. Currently aggressive fund 84%, growth fund 16%.
I know my my money is split amongst different platforms but my brain works in things each having there own purpose, hence splitting emergency money and a general cash buffer.
Any feedback would be wonderful. Just trying to do better now (30years old) so future me and future family will be better off. Grew up with a loving family but always struggled for money.