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	<title>Avalon&#039;s Guide: Emigrate to New Zealand &#187; Emergency Fund</title>
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	<link>http://www.avalonsguide.com/anab</link>
	<description>There is no &#34;One True Path&#34; to emigrating.</description>
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		<title>Arghhh – having to pay interest on the credit card!</title>
		<link>http://www.avalonsguide.com/anab/2010/06/arghhh-having-to-pay-interest-on-the-credit-card/</link>
		<comments>http://www.avalonsguide.com/anab/2010/06/arghhh-having-to-pay-interest-on-the-credit-card/#comments</comments>
		<pubDate>Wed, 30 Jun 2010 07:11:11 +0000</pubDate>
		<dc:creator>Avalon</dc:creator>
				<category><![CDATA[Avalon's Money Thread]]></category>
		<category><![CDATA[Cost of living]]></category>
		<category><![CDATA[Interest Rates, Credit Cards & Mortgages in NZ]]></category>
		<category><![CDATA[Banks]]></category>
		<category><![CDATA[Budgets]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[Emergency Fund]]></category>
		<category><![CDATA[financial crisis]]></category>
		<category><![CDATA[General Budgeting]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[Money saving]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[Redundancy]]></category>

		<guid isPermaLink="false">http://www.avalonsguide.com/anab/?p=2497</guid>
		<description><![CDATA[Well, for the first time in five and half years &#8211; I cannot pay off the whole balance on our credit cards, and we will be paying interest. This is quite depressing. I guess I should be happy that its only likely to be a few months where we have to pay, and that we [...]


Related posts:<ol><li><a href='http://www.avalonsguide.com/anab/2011/04/im-a-credit-card-tart-and-proud-of-it/' rel='bookmark' title='I&#8217;m a credit card tart and proud of it!'>I&#8217;m a credit card tart and proud of it!</a></li>
<li><a href='http://www.avalonsguide.com/anab/2009/02/why-are-credit-cards-still-charging-such-high-interest-rates-in-new-zealand/' rel='bookmark' title='Why are Credit Cards still charging such high interest rates in New Zealand?'>Why are Credit Cards still charging such high interest rates in New Zealand?</a></li>
<li><a href='http://www.avalonsguide.com/anab/2009/07/getting-out-of-credit-card-hell/' rel='bookmark' title='Getting out of Credit Card Hell'>Getting out of Credit Card Hell</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.avalonsguide.com/anab/2010/06/arghhh-having-to-pay-interest-on-the-credit-card/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Taking IBM to Employment Court</title>
		<link>http://www.avalonsguide.com/anab/2010/06/taking-ibm-to-employment-court/</link>
		<comments>http://www.avalonsguide.com/anab/2010/06/taking-ibm-to-employment-court/#comments</comments>
		<pubDate>Mon, 21 Jun 2010 01:28:14 +0000</pubDate>
		<dc:creator>Avalon</dc:creator>
				<category><![CDATA[Hubby's Views]]></category>
		<category><![CDATA[Jobs & Work]]></category>
		<category><![CDATA[Budgets]]></category>
		<category><![CDATA[Emergency Fund]]></category>
		<category><![CDATA[General Budgeting]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[Redundancy]]></category>

		<guid isPermaLink="false">http://www.avalonsguide.com/anab/?p=2483</guid>
		<description><![CDATA[We&#8217;ve written previously about IBM redundancies and how they completely ignored what should be done in NZ. &#8216;cos it&#8217;s just business. And also about how they refused to attend mediation Since they&#8217;re a really big company and they were just doing business. After a lot of dragging of feet on IBM&#8217;s part, and refusal to [...]


Related posts:<ol><li><a href='http://www.avalonsguide.com/anab/2010/03/contracting-vs-employment/' rel='bookmark' title='Contracting Vs Employment.'>Contracting Vs Employment.</a></li>
<li><a href='http://www.avalonsguide.com/anab/2009/02/wow-%e2%80%93-big-cheeses-are-taking-pay-cuts/' rel='bookmark' title='Wow – big cheeses are taking pay cuts!'>Wow – big cheeses are taking pay cuts!</a></li>
<li><a href='http://www.avalonsguide.com/anab/2009/02/wow-ii-bosses-taking-pay-freezes/' rel='bookmark' title='Wow II Bosses taking pay freezes.'>Wow II Bosses taking pay freezes.</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.avalonsguide.com/anab/2010/06/taking-ibm-to-employment-court/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>IBM New Zealand redundancies &#8211; they are not rumours.</title>
		<link>http://www.avalonsguide.com/anab/2010/03/ibm-new-zealand-redundancies-they-are-not-rumours/</link>
		<comments>http://www.avalonsguide.com/anab/2010/03/ibm-new-zealand-redundancies-they-are-not-rumours/#comments</comments>
		<pubDate>Wed, 03 Mar 2010 05:49:19 +0000</pubDate>
		<dc:creator>Avalon</dc:creator>
				<category><![CDATA[Jobs & Work]]></category>
		<category><![CDATA[Emergency Fund]]></category>
		<category><![CDATA[jobs in New Zealand]]></category>
		<category><![CDATA[Redundancy]]></category>

		<guid isPermaLink="false">http://www.avalonsguide.com/anab/?p=2156</guid>
		<description><![CDATA[IBM New Zealand has refused to comment on rumours it is making 34 staff redundant in Wellington and merging its northern and southern region sales teams. Spokeswoman Courtney Allen said IBM &#8220;continuously re-balances skills and capabilities to meet the changing needs of clients. While many of our competitors were contracting in response to the global [...]


Related posts:<ol><li><a href='http://www.avalonsguide.com/anab/2010/03/how-redundancy-in-new-zealand-should-be-handled/' rel='bookmark' title='How redundancy in New Zealand should be handled.'>How redundancy in New Zealand should be handled.</a></li>
<li><a href='http://www.avalonsguide.com/anab/2010/03/is-this-why-so-many-people-leave-new-zealand/' rel='bookmark' title='Is this why so many people leave New Zealand?'>Is this why so many people leave New Zealand?</a></li>
<li><a href='http://www.avalonsguide.com/anab/2009/03/a-nine-day-fortnight-for-new-zealand/' rel='bookmark' title='A Nine-Day Fortnight for New Zealand?'>A Nine-Day Fortnight for New Zealand?</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.avalonsguide.com/anab/2010/03/ibm-new-zealand-redundancies-they-are-not-rumours/feed/</wfw:commentRss>
		<slash:comments>13</slash:comments>
		</item>
		<item>
		<title>Should New Zealand have an emergency fund for Migrants?</title>
		<link>http://www.avalonsguide.com/anab/2009/07/should-new-zealand-have-an-emergency-fund-for-migrants/</link>
		<comments>http://www.avalonsguide.com/anab/2009/07/should-new-zealand-have-an-emergency-fund-for-migrants/#comments</comments>
		<pubDate>Sun, 12 Jul 2009 02:05:29 +0000</pubDate>
		<dc:creator>Avalon</dc:creator>
				<category><![CDATA[Cost of living]]></category>
		<category><![CDATA[Getting to New Zealand]]></category>
		<category><![CDATA[NZIS & Immigration issues]]></category>
		<category><![CDATA[economy]]></category>
		<category><![CDATA[Emergency Fund]]></category>
		<category><![CDATA[Emigrate to New Zealand]]></category>
		<category><![CDATA[financial crisis]]></category>
		<category><![CDATA[General Budgeting]]></category>
		<category><![CDATA[Redundancy]]></category>

		<guid isPermaLink="false">http://www.avalonsguide.com/anab/?p=1094</guid>
		<description><![CDATA[One of the two families in the news lately over losing jobs and having to go home, had now left New Zealand. Having paid $11,000 to a licensed &#8220;Immigration Advisor&#8221; (and I use the term loosely) – it seems they too had little money to get home, and had nowhere to stay. Hmm, I hope [...]


Related posts:<ol><li><a href='http://www.avalonsguide.com/anab/2008/11/why-do-you-need-an-emergency-fund/' rel='bookmark' title='Why do you need an emergency fund?'>Why do you need an emergency fund?</a></li>
<li><a href='http://www.avalonsguide.com/anab/2010/01/how-many-migrants-leave-new-zealand/' rel='bookmark' title='How many Migrants leave New Zealand?'>How many Migrants leave New Zealand?</a></li>
<li><a href='http://www.avalonsguide.com/anab/2009/01/wehey-we-don%e2%80%99t-need-to-dip-into-our-emergency-fund-after-all/' rel='bookmark' title='Wehey! We Don’t Need to dip into our Emergency Fund after all!'>Wehey! We Don’t Need to dip into our Emergency Fund after all!</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.avalonsguide.com/anab/2009/07/should-new-zealand-have-an-emergency-fund-for-migrants/feed/</wfw:commentRss>
		<slash:comments>8</slash:comments>
		</item>
		<item>
		<title>The face of the “recession”: check how much you are spending!</title>
		<link>http://www.avalonsguide.com/anab/2009/05/the-face-of-the-recession/</link>
		<comments>http://www.avalonsguide.com/anab/2009/05/the-face-of-the-recession/#comments</comments>
		<pubDate>Sun, 24 May 2009 02:47:46 +0000</pubDate>
		<dc:creator>Avalon</dc:creator>
				<category><![CDATA[Cost of living]]></category>
		<category><![CDATA[General Budgeting]]></category>
		<category><![CDATA[Property & General Investing]]></category>
		<category><![CDATA[Banks]]></category>
		<category><![CDATA[Budgets]]></category>
		<category><![CDATA[economy]]></category>
		<category><![CDATA[Emergency Fund]]></category>
		<category><![CDATA[financial crisis]]></category>
		<category><![CDATA[Money saving]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[New Zealand banks]]></category>
		<category><![CDATA[personal finance]]></category>

		<guid isPermaLink="false">http://www.avalonsguide.com/anab/?p=832</guid>
		<description><![CDATA[This is not the first “riches to rags” story that has been printed in the papers this year so far – and it won’t be the last; about a couple are stars today after trying to sell everything they splurged on over the years so they can pay their mortgage and bills. The successful plumber [...]


Related posts:<ol><li><a href='http://www.avalonsguide.com/anab/2009/02/what-do-you-do-just-in-case-things-do-go-to-hell-in-a-hand-basket/' rel='bookmark' title='What do you do just in case things do go to hell in a hand basket?'>What do you do just in case things do go to hell in a hand basket?</a></li>
<li><a href='http://www.avalonsguide.com/anab/2009/05/no-sign-of-recession-in-sydney/' rel='bookmark' title='No sign of recession in Sydney.'>No sign of recession in Sydney.</a></li>
<li><a href='http://www.avalonsguide.com/anab/2009/06/50-reasons-to-just-be-sensible/' rel='bookmark' title='50 reasons to just be sensible'>50 reasons to just be sensible</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.avalonsguide.com/anab/2009/05/the-face-of-the-recession/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What do you do just in case things do go to hell in a hand basket?</title>
		<link>http://www.avalonsguide.com/anab/2009/02/what-do-you-do-just-in-case-things-do-go-to-hell-in-a-hand-basket/</link>
		<comments>http://www.avalonsguide.com/anab/2009/02/what-do-you-do-just-in-case-things-do-go-to-hell-in-a-hand-basket/#comments</comments>
		<pubDate>Tue, 24 Feb 2009 19:45:45 +0000</pubDate>
		<dc:creator>Avalon</dc:creator>
				<category><![CDATA[Cost of living]]></category>
		<category><![CDATA[General Budgeting]]></category>
		<category><![CDATA[Interest Rates, Credit Cards & Mortgages in NZ]]></category>
		<category><![CDATA[Jobs & Work]]></category>
		<category><![CDATA[Life in New Zealand]]></category>
		<category><![CDATA[Budgets]]></category>
		<category><![CDATA[economy]]></category>
		<category><![CDATA[Emergency Fund]]></category>
		<category><![CDATA[financial crisis]]></category>
		<category><![CDATA[jobs in New Zealand]]></category>
		<category><![CDATA[Money saving]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[Salary]]></category>

		<guid isPermaLink="false">http://www.avalonsguide.com/anab/?p=455</guid>
		<description><![CDATA[Irrespective of what I personally believe about what is happening in New Zealand financially or with jobs; there is no denying that people are scared. I may have a gut feeling that people do not need to be – but let&#8217;s be honest – it is hard to ignore all the headlines telling us “The [...]


Related posts:<ol><li><a href='http://www.avalonsguide.com/anab/2009/02/why-are-credit-cards-still-charging-such-high-interest-rates-in-new-zealand/' rel='bookmark' title='Why are Credit Cards still charging such high interest rates in New Zealand?'>Why are Credit Cards still charging such high interest rates in New Zealand?</a></li>
<li><a href='http://www.avalonsguide.com/anab/2009/03/and-new-zealand-interest-rates-come-down-yet-again/' rel='bookmark' title='And New Zealand Interest rates come down yet again.'>And New Zealand Interest rates come down yet again.</a></li>
<li><a href='http://www.avalonsguide.com/anab/2009/10/avalons-money-thread-am-i-a-big-spender/' rel='bookmark' title='Avalon&#8217;s Money Thread: Am I a Big Spender?'>Avalon&#8217;s Money Thread: Am I a Big Spender?</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.avalonsguide.com/anab/2009/02/what-do-you-do-just-in-case-things-do-go-to-hell-in-a-hand-basket/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Will New Zealand&#8217;s interest rates fall again this week?</title>
		<link>http://www.avalonsguide.com/anab/2009/01/will-new-zealands-interest-rates-fall-again-this-week/</link>
		<comments>http://www.avalonsguide.com/anab/2009/01/will-new-zealands-interest-rates-fall-again-this-week/#comments</comments>
		<pubDate>Mon, 26 Jan 2009 21:54:31 +0000</pubDate>
		<dc:creator>Avalon</dc:creator>
				<category><![CDATA[Banks]]></category>
		<category><![CDATA[Interest Rates, Credit Cards & Mortgages in NZ]]></category>
		<category><![CDATA[Property & General Investing]]></category>
		<category><![CDATA[Budgets]]></category>
		<category><![CDATA[economy]]></category>
		<category><![CDATA[Emergency Fund]]></category>
		<category><![CDATA[financial crisis]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[New Zealand banks]]></category>
		<category><![CDATA[Reserve Bank of New Zealand]]></category>
		<category><![CDATA[Slush Fund]]></category>

		<guid isPermaLink="false">http://www.avalonsguide.com/anab/?p=312</guid>
		<description><![CDATA[The reserve Bank of New Zealand meets again on Thursday this week, to decide on Interest rates. According to Interest.co.nz – it is expected that Alan Bollard (bless his little cotton socks) will reduce the official cash rate (OCR) by 100 points (That’s 1% to us normal people). Of course – this is no use [...]


Related posts:<ol><li><a href='http://www.avalonsguide.com/anab/2008/12/lowering-interest-rates-in-new-zealand-%e2%80%93-what-does-it-mean-for-migrants-to-new-zealand/' rel='bookmark' title='Lowering Interest rates in New Zealand – what does it mean for Migrants to New Zealand?'>Lowering Interest rates in New Zealand – what does it mean for Migrants to New Zealand?</a></li>
<li><a href='http://www.avalonsguide.com/anab/2009/02/why-are-credit-cards-still-charging-such-high-interest-rates-in-new-zealand/' rel='bookmark' title='Why are Credit Cards still charging such high interest rates in New Zealand?'>Why are Credit Cards still charging such high interest rates in New Zealand?</a></li>
<li><a href='http://www.avalonsguide.com/anab/2010/06/why-exactly-should-interest-rates-in-new-zealand-go-up/' rel='bookmark' title='Why exactly should interest rates in New Zealand go up?'>Why exactly should interest rates in New Zealand go up?</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.avalonsguide.com/anab/2009/01/will-new-zealands-interest-rates-fall-again-this-week/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Wehey! We Don’t Need to dip into our Emergency Fund after all!</title>
		<link>http://www.avalonsguide.com/anab/2009/01/wehey-we-don%e2%80%99t-need-to-dip-into-our-emergency-fund-after-all/</link>
		<comments>http://www.avalonsguide.com/anab/2009/01/wehey-we-don%e2%80%99t-need-to-dip-into-our-emergency-fund-after-all/#comments</comments>
		<pubDate>Wed, 07 Jan 2009 09:45:58 +0000</pubDate>
		<dc:creator>Avalon</dc:creator>
				<category><![CDATA[General Budgeting]]></category>
		<category><![CDATA[Jobs & Work]]></category>
		<category><![CDATA[Emergency Fund]]></category>
		<category><![CDATA[jobs in New Zealand]]></category>
		<category><![CDATA[LolCats]]></category>
		<category><![CDATA[Moving to New Zealand]]></category>
		<category><![CDATA[Salary]]></category>
		<category><![CDATA[Slush Fund]]></category>

		<guid isPermaLink="false">http://www.avalonsguide.com/anab/?p=209</guid>
		<description><![CDATA[I mentioned here  that we may need to dip into our emergency fund:   IBM were only taking staff on as 2-year contractors, and that was coming to an end next April, and hubby has been trying for months to get the contract made permanent.   Finally, after a lot more hassle and way more meetings [...]


Related posts:<ol><li><a href='http://www.avalonsguide.com/anab/2008/11/why-do-you-need-an-emergency-fund/' rel='bookmark' title='Why do you need an emergency fund?'>Why do you need an emergency fund?</a></li>
<li><a href='http://www.avalonsguide.com/anab/2009/07/should-new-zealand-have-an-emergency-fund-for-migrants/' rel='bookmark' title='Should New Zealand have an emergency fund for Migrants?'>Should New Zealand have an emergency fund for Migrants?</a></li>
<li><a href='http://www.avalonsguide.com/anab/2009/02/what-do-you-do-just-in-case-things-do-go-to-hell-in-a-hand-basket/' rel='bookmark' title='What do you do just in case things do go to hell in a hand basket?'>What do you do just in case things do go to hell in a hand basket?</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.avalonsguide.com/anab/2009/01/wehey-we-don%e2%80%99t-need-to-dip-into-our-emergency-fund-after-all/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Why do you need an emergency fund?</title>
		<link>http://www.avalonsguide.com/anab/2008/11/why-do-you-need-an-emergency-fund/</link>
		<comments>http://www.avalonsguide.com/anab/2008/11/why-do-you-need-an-emergency-fund/#comments</comments>
		<pubDate>Thu, 27 Nov 2008 20:50:47 +0000</pubDate>
		<dc:creator>Avalon</dc:creator>
				<category><![CDATA[General Budgeting]]></category>
		<category><![CDATA[Jobs & Work]]></category>
		<category><![CDATA[Retirement, Pensions and Kiwisaver]]></category>
		<category><![CDATA[Add new tag]]></category>
		<category><![CDATA[Emergency Fund]]></category>
		<category><![CDATA[Moving to New Zealand]]></category>
		<category><![CDATA[New Zealand]]></category>
		<category><![CDATA[Redundancy]]></category>
		<category><![CDATA[Salary]]></category>
		<category><![CDATA[Slush Fund]]></category>

		<guid isPermaLink="false">http://www.avalonsguide.com/anab/?p=32</guid>
		<description><![CDATA[You often hear people saying you should put aside at least 3 months expenses as an emergency fund. So – how many people do you know who have done that? Not Many? A few? None? Well, we have a “situation” looming where for the second time since moving to New Zealand – we may need [...]


Related posts:<ol><li><a href='http://www.avalonsguide.com/anab/2009/01/wehey-we-don%e2%80%99t-need-to-dip-into-our-emergency-fund-after-all/' rel='bookmark' title='Wehey! We Don’t Need to dip into our Emergency Fund after all!'>Wehey! We Don’t Need to dip into our Emergency Fund after all!</a></li>
<li><a href='http://www.avalonsguide.com/anab/2009/07/should-new-zealand-have-an-emergency-fund-for-migrants/' rel='bookmark' title='Should New Zealand have an emergency fund for Migrants?'>Should New Zealand have an emergency fund for Migrants?</a></li>
<li><a href='http://www.avalonsguide.com/anab/2009/05/why-wait-for-redundancy/' rel='bookmark' title='Why wait for redundancy'>Why wait for redundancy</a></li>
</ol>]]></description>
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		<slash:comments>1</slash:comments>
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