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Sort me

How sorted are you? By answering a few easy questions Sort Me can guide you along the road to financial fitness.

Your online financial check-up
  1. Q1

    Your goals and dreams

    Have you set any financial goals? They don't have to be wildly ambitious - saving $3000 for Christmas or for a $10,000 a year retirement income would do - as long as there's a figure you're actually aiming for.
  2. Q2

    Income and making ends meet

    You've got some money coming in, but how far does it go? Choose the category that feels most like you.

    Income and making ends meet

    Most of us wouldn't mind an extra dollar or two, but in truth are you satisfied with your current income?

    Income and making ends meet

    Being prepared for trouble is part of being sorted. If you lost your job or were too sick to work, what would your situation be?
  3. Q3

    Your borrowing

    First off, have you got a mortgage?

    Your borrowing

    If you've got a mortgage how are you coping with the payments?

    Your borrowing

    What about any other debts (HP, credit cards, car loans, that sort of thing)? How are you going with those?
  4. Q4

    Saving and investing

    Financial planners talk about your net worth - the value of everything you own, minus the amount of money you owe. Do you know what your net worth is?

    Saving and investing

    Do you do any regular saving at all?

    Saving and investing

    Have you considered joining KiwiSaver or another retirement saving scheme offered through work?

    Saving and investing

    Do you have any financial investments - anything from a term deposit at the bank to shares or a managed fund?

    Saving and investing

    People talk about a diversified portfolio - not having all your eggs in one basket. Is this something you're familiar with and understand?

    Saving and investing

    Do any of your investments have an overseas component - shares or funds that are invested outside New Zealand?
  5. Q5

    Protecting your assets

    If you own a home, is it fully insured?

    Protecting your assets

    What about contents insurance? Do you have any?

    Protecting your assets

    Is your car insured?

    Protecting your assets

    What would happen to your family if either you or your partner were to die?

    Protecting your assets

    If the principal income earner of the house were suddenly unable to work, what shape would the family be in?
  6. Q6

    Keeping your affairs sorted

    Do you have a current will - something that sets out clearly what should happen to your money and property if you die?

    Keeping your affairs sorted

    Have you nominated anyone to have an Enduring Power of Attorney over your affairs?

    Keeping your affairs sorted

    Do you keep all your financial documents in one safe place?
  7. Q7

    Big life changes

    Have there been any big changes in your life recently - marriage, divorce, having a first child, redundancy, retirement - anything that means a significant change of lifestyle?

    Big life changes

    Can you still make ends meet now?

    Big life changes

    Have you looked at your financial arrangements and thought about whether they still suit you?

    Big life changes

    Have you done a review of your savings and investments?

    Big life changes

    Have you checked whether or not your will is up-to-date?

    Big life changes

    Have you checked recently whether the amount of insurance you have reflects the value of the things you could lose?
  8. Q8

    Your retirement

    Is retirement getting close for you? Do you have any plans to retire in the next 10 years?

    Your retirement

    What sort of money will you have to live on when you retire? Will you rely completely on NZ Super?
mightymouse