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Smart, simple solutions to financial freedom on YOUR terms

Your trusted partner in making confident finance decisions.

We specialise in helping first-home buyers like you turn dreams into reality. With clear, practical advice and step-by-step guidance, we’ll simplify the process so you can focus on finding the perfect place to call home.

Ready to get started? Let us help you secure the keys to your future!

We provide expert advice tailored to your investment goals. From finding the right property to structuring your mortgage for maximum returns, we’ll guide you every step of the way.

Start growing your wealth through smart property investment today—let’s turn your goals into reality!

We'll assess your current loan, explore your options, and guide you through the refinancing process to ensure you get the best deal tailored to your needs.

Ready to make a change? Let us help you take control of your mortgage today!

We’ll help you understand how KiwiSaver works and ensure you’re making the most of it. Whether you’re planning for your first home or want to grow your retirement nest egg, we’ll provide expert advice to set you on the right path.

Start maximising your KiwiSaver today—your future self will thank you!

We’re here to help you coordinate the sale of your home with the purchase of your next one. From understanding your financial position to securing the right mortgage and timing everything seamlessly, we’ll ensure your transition is as smooth as possible.

Let us help you take the next step toward your dream home today!

We’ll show you how to make your mortgage work harder for you. With expert advice tailored to your goals, we’ll help you find smart, practical ways to pay off your home loan faster—without sacrificing your lifestyle.

Ready to take the next step toward financial freedom? Let’s get started today!

We specialize in tailored funding solutions for building and renovations. From construction loans to leveraging your home equity, we’ll guide you through your options and help you secure the best deal for your needs.

Let’s make your dream home a reality—get in touch today!

We make it easy to explore your top-up options and guide you through the process to ensure it fits your financial goals. Whether it’s for big plans or small dreams, we’ll help you make the most of your home’s potential.

Talk to us today about how a mortgage top-up can work for you!

Hi, I'm Tracy (aka the Debt Free Diva)

Don't know where to start?


As your financial adviser, I’m here to provide the tools, expertise, and strategies you need to take control of your finances and achieve your goals with confidence.

The secret to relieving the stress you're feeling starts with transforming your money mindset and putting a practical action plan in place to achieve your financial freedom. Together, we’ll create a simple, effective strategy tailored to your needs.

With this approach, you’ll soon enjoy peace of mind and the freedom to embrace life’s opportunities—without compromising what matters most to you.

My mission is to simplify the process, provide clear strategies, and ensure you have the tools you need to make informed decisions. 



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Need some tips? Read on...

Getting together a house deposit as a First Home Buyer

Being a first home buyer is an exciting process but I also know it can be overwhelming – there is so much jargon thrown around and it can be really hard to know where to start. My biggest advice toRead more

5 ways to sort your finances

We can all get caught in the trap of finding the “best” deal – and then never reviewing it. Companies like to entice new customers to join them by providing a deal or giving away merchandise, bRead more

Types of Mortgages

Getting a mortgage can be daunting, but choosing a mortgage product can be just as daunting!  There are so many to choose from and it can be hard to know which one suits your needs the best. Plus, Read more

Lets talk about Tax

The one question I get asked ALL the time is how do I pay for taxes on my side hustles. For some reason I think people are a bit scared of tax – and this prevents them from side hustling. Read more

Keeping the grocery spend down

Every Tuesday for the last couple of years I have posted my weekly grocery shop on my Instagram and Facebook accounts and it is the themed post that get the most requests every year. I also getRead more

Types of budgets

Last week I wrote a newsletter which focused on budgeting. More specifically the zero-based budget, as this is the one, I find to be most effective for me. I had a few people contact me to ask whatRead more

Should I save or pay off debt?

Should I save or pay off debt?  There really is no right or wrong answer to this question. It all comes down to your financial situation your goals and what you’re trying to achieve. For someRead more

Sinking Funds

Let's talk about sinking funds! This is a financial tool I used the entire way through my Debt free journey, and something I will continue to use well into the future. For some reason thisRead more

Surveys and Point Hacking

Surveys and points earn me about $1000/year. And I get asked all the time how I manage it because it can seem so frustrating (which it is). So here are my top tips. I just want to point out thatRead more

Cooking the Kumara

Bulk buying and freezing is my top tip for reducing the food budget. It is something that I have learnt to do fairly well – mainly through trial and error. Recently I managed to score 10kgs ofRead more

My Uber Eats experience

I started doing Uber eats in June 2019 and it has been one of my more favored side hustles both during the debt free journey and then the house saving journey. I understand there are a lot ofRead more

Not a Sprint

Last weekend I ran a half marathon in the beautiful city of Queenstown, New Zealand. Just some fun facts about me and running – I am not a runner at all. I smoked for 10 years of my life so myRead more
 

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