I’m just getting started

Getting started with money can be a challenge, but setting yourself up with a budget will lay the foundation for a better financial future in both the short and long terms. And sorting your money doesn’t just take care of you – it supports the future of your whānau too. Find out more about the building blocks you need for your financial wellbeing and start making ever-better money choices. Small steps really add up.

How to make a budget

Budgets are simply plans for your spending and saving. This tool lets you manage what money you’ve got going and out so you can get the most out of it.

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Top money hacks

Budgets need to breathe. If your budget is too strict, it will be challenging to stick to.
Add your splurge money into your spending plan. A budget doesn’t have to take the fun out of your life!
You’re only as good as your money system each time you’re paid – get automatic payments in place as soon as.

Recommended for you

Here are some key guides, tools and blogs to help you sort your everyday money.

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Reading time: 12 minutes

How to start a budget and why it's important

Kickstart managing your money with a budget – it’s simply a plan for your spending and savings.

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How to budget when you’re studying

Studying is an investment in your future. Interest-free student loans seem like easy money, but borrowing too much could leave you burdened with debt long after those final exams.

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How to budget when you’re going flatting

Sharing a flat is a big step towards being independent, but it also means getting used to paying bills.

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Budgeting when you start your first job

One of the best things about starting work is the freedom that comes with earning money! Having goals and a plan will help you create the kind of life you want – right from day one.

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Reading time: 5 minutes

Overcome that overspending today

Take control of your money and stop that sinking feeling when you have no money left.

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Budgeting isn't just for bills

Setting up a plan for your money helps make sure you can still spend on the things you want

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Reading time: 4 minutes

How to track your money to create a budget and stick to it

Tracking where your money is going is the first step towards creating a budget that works for you.

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Reading time: 5 minutes

Getting ahead with your first job

Living with less is the way to get ahead – that’s what Simran did with her first job. She shares her ideas for saving and making your money go further.

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Watching time: 2 minutes

How to pay yourself first

The best way to save money is by setting some aside every time you get paid. Send a chunk of money to your savings first.

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Time to complete: 5 minutes

Money personality quiz

Did you know we all have a money personality? Uncover yours with our quiz so you can understand more about your money habits and behaviours. This’ll help you make your money decisions.

Recommended for you

Here are some key guides, tools and blogs to help you sort your everyday money.

Guide

Reading time: 12 minutes

How to start a budget and why it's important

Kickstart managing your money with a budget – it’s simply a plan for your spending and savings.

Read guide

Guide

Reading time: 6 minutes