If you feel you can’t afford KiwiSaver and have been a member for 12 months there are some options you can consider.
Put on holdIf you need some time to get back on top of your contributions, you can take a break.
ReviewThere are a number of options besides a break, get more info and talk to your employer or fund provider.
ReworkMaking a budget that suits you can be one of your most powerful tools for getting ahead financially. This calculator makes it easy!