Stretch the money I have after bills

Sometimes saving just isn’t possible when you’re doing it tough. But it's also easy for our lifestyles to get more expensive as our pay increases, no matter how much it is. Explore the resources on this page and take steps to try make more room for saving in your budget.

Even small amounts add up!

Squirrelling away even small amounts adds up to a large stash over time. See how quickly your savings can grow, especially with the power of compound interest.

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Top money hacks

Rework your budget by shopping around to reduce your bills, such as power or broadband. Find any extra money you can.
Automate your saving as much as possible by setting up automatic payments to separate goal accounts shortly after each time you’re paid.
Even smallish amounts saved regularly add up over time surprisingly.

Recommended for you

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

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Reading time: 10 minutes

How to save your money

People often try to save after taking care of bills, needs, and wants, only to find there’s not much left over. If you really want savings, the best way is to ‘pay yourself first’.

A man and woman are standing together in a garage holding up painting supplies and smiling

Blog

Reading time: 20 minutes

How to start investing

Investing is all about buying things (assets) that put money back into our pockets. With so many ways to invest now, you no longer need steep amounts of money to begin. 

A woman is sitting at a cafe table typing on her laptop with a coffee and pastry to the side.

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Reading time: 7 minutes

How side hustles can help you earn extra money

Side hustles are a great way to tap into some extra money to help your budget. They’re helpful for diversifying both your income stream and your skillset.

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Time to complete: 10 minutes

Budgeting tool

A budget can help you to work out how much extra money you can save and invest. Use this tool to track your spending and make a plan to get ahead.

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Reading time: 4 minutes

Saving for a better future

Te Kahukura shares her money journey and why she lives by her Nanny Mei’s advice: “Take advantage of what you have and grow it into something amazing”.

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Watching time: 4 minutes

How compound interest works

What actually is compound interest and how does it work? Watch this video to find out how you can make your money do the mahi for you.

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Watching time: 2 minutes

How to pay yourself first

What does paying yourself first even mean? It’s basically sending a chunk of money to your savings before you even pay your bills. Find out more in this video.

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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.