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Our guides will help you through all stages of life…
Separation
How to save for a deposit
How does KiwiSaver work? Here’s why it’s worth joining
How to start investing
How to refinance your mortgage
Life event
Dividing assets fairly when you’re going through separation and divorce
When a relationship ends – especially later in life – it can entirely upend your money life. Separating couples often…
Read moreIn this guide
- How best to separate amicably, dividing what you own fairly?
- What the law says when you’re separating
- Everyone wants a fair outcome, but it’s not always clear
- The difference between equal and equitable
- Seeking professional financial advice isn't a sign of distrust
- Make sure to include KiwiSaver in your relationship property
- The difference between assets that grow in value... and those that don’t
- Here’s where to go for help
Home buying
How to save for a deposit and other costs when buying a home
Getting into a first home takes careful planning and, for most of us, serious budgeting! These tips for first home…
Read moreIn this guide
- Additional costs when buying a home
- Getting ready for your mortgage application
- Home-buying FAQs
KiwiSaver & retirement
How does KiwiSaver work? Here’s why it’s worth joining
Most of us can benefit from joining KiwiSaver. Here are its main features.
Read moreIn this guide
- How does KiwiSaver work?
- KiwiSaver funds come in five basic types
- When it’s time to withdraw your money
- Why you want to take advantage of KiwiSaver
- KiwiSaver FAQs
Investing
How to start investing
Investing is all about buying things that put money back into our pockets. Sound intimidating? It’s really not. Those of…
Read moreIn this guide
- The difference between saving and investing
- So many ways to invest – and getting started is easier than ever
- Set clear goals for your investing
- Find the right balance between risk and return
- Find your asset mix
- Diversify your investments to spread your risk
- Research as you choose how and where you invest
- Invest regular amounts and grow your money through compound returns
- With investing, good advice can be gold
- Are you truly investing? Or speculating?
- How to invest ethically and responsibly
- Investing FAQs
Home buying
How to refinance your mortgage
Refinancing (also called remortgaging) is a normal part of home ownership. It’s when you replace your mortgage with another in…
Read moreIn this guide
- How refinancing works
- Top tips when you’re refinancing
- Frequently asked questions
Browse by topics
Planning & budgeting
Saving & investing
KiwiSaver
Tackling debt
Protecting wealth
Retirement
Home buying
Life events
Top Guides
for Planning & budgeting
Setting goals
Money tracking
Plan your spending with a budget
Getting advice
Why money goals are important and how to set them
Here’s the first step to sorting our finances: working out where we want to be moneywise and what our priorities…
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How to track your money to create a budget and stick to it
Budgets help us plan where our money should be going, but it’s also important to track where our money actually…
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How to start a budget and why it's important
A budget (or money plan) is really just a simple plan for your spending.
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Find financial advice and support with money
Managing money can be challenging – not all of us have the skills to sort out the more complicated stuff.…
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More on Planning & budgeting
Planning
I’d like to get better with money. Where do I start?
Being onto it with money helps you establish control over where you want to head in life, providing you with…
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Planning
What pūtea beliefs do you have?
It’s important to take a little bit of time to think about our relationship with money and what we believe…
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Top Guides
for Saving & investing
Net worth
How to save your money
How to start investing
Find a financial adviser to help you invest
How to work out your net worth and what it means
Simply put, net worth is the difference between the value of what we own and the total amount that we…
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How to save your money
One of the best habits we can get into is “paying ourselves first” and making it automatic. The more we…
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How to start investing
Investing is all about buying things that put money back into our pockets. Sound intimidating? It’s really not. Those of…
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Find a financial adviser to help you invest
Not just anyone can call themselves a financial adviser. They have to meet a certain standard of competence and put…
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More on Saving & investing
Investing
Types of investments
Investing is the best way to grow wealth and get our money working for us – but how? There are…
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Investing
Investment funds
Instead of investing directly and doing it all ourselves, we can invest in a managed fund where our money is…
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Top Guides
for KiwiSaver
How does KiwiSaver work? Here’s why it’s worth joining
How to pick the right KiwiSaver fund
Make the most of KiwiSaver and grow your balance
How KiwiSaver can help you get into your first home
How does KiwiSaver work? Here’s why it’s worth joining
Most of us can benefit from joining KiwiSaver. Here are its main features.
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How to pick the right KiwiSaver fund for you
Even if you’ve been in KiwiSaver for a while, your fund may not be a good fit.
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Make the most of KiwiSaver and grow your balance
To make the most of KiwiSaver, you need to make some important decisions along the way.
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How KiwiSaver can help you get into your first home
Getting on the housing ladder can feel out of reach, but KiwiSaver can bring it that much closer.
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Top Guides
for Tackling debt
How to use buy now pay later
What you really need to know before you use credit
How to get out of debt quickly
Credit reports
How to use buy now pay later loans like Afterpay or Zip
Buy now pay later can be a helpful way to spread out the cost of something over time with no…
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What you really need to know before you use credit
Debt comes in many forms – credit cards, hire purchase, car loans, personal loans, mortgages, student loans. There's no shortage…
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How to get out of debt quickly
The longer we take to pay off debt, the more it costs us. So if there’s room in the budget,…
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How credit reports and scores work
We’re getting identified more and more by our credit reports these days. When businesses decide whether to lend us money,…
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More on Tackling debt
Going into debt
Interest-free deals and hire purchase
With an HP we can take home a product and use it while we’re paying it off. It can seem…
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Going into debt
Personal loans
People use personal loans to pay for all kinds of things – weddings, renovations, holidays or consolidating their debts. They’re…
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How insurance works and how it can help
Sometimes things go pear-shaped. If an earthquake strikes, our house burns down, our car is in a crash or we…
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Different types of insurance and what they protect
Life is full of risks of things that could happen – the house burning down, the car being stolen, illness…
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How life insurance works
When we’re fit and healthy, it’s hard to imagine life changing. But what would happen if we couldn’t earn an…
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How to make a will
Why do we need a will? People mainly use them to write down family members they want to provide for…
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More on Protecting wealth
Avoiding scams
How to protect yourself from fraud and being scammed
Become a real-life superhero by arming yourself with the information you need to fight fraud and keep yourself, your family…
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Using insurance
House insurance
Since a home will probably be the biggest asset we own, we’ll need to protect it in case something unexpected…
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Top Guides
for Retirement
About NZ Super – how much is it?
When you’re thinking of living in a retirement village
How to plan, save and invest for retirement
Manage your money in retirement
How much is NZ Super? All about New Zealand Superannuation
The current rates of New Zealand Superannuation (NZ Super) below give a broad idea of how much the state pension…
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When you’re thinking of living in a retirement village
Moving into a retirement village can be a great option to live out your later years. But with so many…
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How to plan, save and invest for retirement
Ask anyone who's retired, and they will say to start saving for retirement as soon as you can!
Even if it…
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Manage your money in retirement
Life after you stop working can mean living without a steady income, so you’ll have some choices to make. This…
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More on Retirement
Four approaches to spending in retirement
Discover four expert-backed rules of thumb for retirement spending that help balance enjoyment and security.
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Retirement
Find housing options in retirement
As you get older and your needs change, where you decide to live can shift as well. Knowing your options…
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Top Guides
for Home buying
How to refinance your mortgage
How to save for a deposit
Managing a mortgage
Mortgage types
How to refinance your mortgage
Refinancing (also called remortgaging) is a normal part of home ownership. It’s when you replace your mortgage with another in…
Read more
How to save for a deposit and other costs when buying a home
Getting into a first home takes careful planning and, for most of us, serious budgeting! These tips for first home…
Read more
How to manage your mortgage and pay off your home loan early
It can feel good being a home sweet homeowner! But – and there is “the but” – we still need…
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Different types of mortgages and how they work
There are many types of mortgages, each with its own interest rate, fees and flexibility. Each of these things affect…
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More on Home buying
How KiwiSaver can help you get into your first home
Getting on the housing ladder can feel out of reach, but KiwiSaver can bring it that much closer.
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Using KiwiSaver to buy
Find out how much of a mortgage you could get
The amount we can borrow for a home depends on a couple of things: how much we can afford to…
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Top Guides
for Life events
Going flatting
Your first job
Relationships and growing money together
Planning for a family
Going flatting
Sharing a flat is a big step towards being independent, but it also means we have to get used to…
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Your first job
One of the best things about starting work is the freedom that comes with earning our own money! It’s also…
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Relationships and growing money together
Being in a relationship brings new opportunities to build wealth that we wouldn’t have on our own. Moving in together…
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Planning for a family
Finding out we’ve got a little bundle of joy on the way is an exciting milestone! A new arrival is…
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More on Life events
Losing a partner and taking care of the financial issues
Losing a partner is no time to have to deal with money issues. Yet there is quite a lot to…
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What to do when you're made redundant
The uncertainty that comes with losing a job or redundancy is a challenge, but leaving one role always opens up…
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