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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 more about Dividing assets fairly when you’re going through separation and divorceIn 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 more about How to save for a deposit and other costs when buying a homeIn 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 more about How does KiwiSaver work? Here’s why it’s worth joiningIn 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 more about How to start investingIn 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 investment 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 more about How to refinance your mortgageIn 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
How to build a budget step by step
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…
Read more about Why money goals are important and how to set them
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…
Read more about How to track your money to create a budget and stick to it
How to build a budget step by step
When you’re worried about money and want a top financial hack, this step-by-step guide shows how to build a budget…
Read more about How to build a budget step by step
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.…
Read more about Find financial advice and support with money
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…
Read more about I’d like to get better with money. Where do I start?
Life event
Budgeting money when you're studying
Studying can be an investment in our future. Interest-free student loans seem like easy money, but borrowing too much could…
Read more about Budgeting money when you're studying
Top Guides
for Saving & investing
How to build up your emergency savings to cover unexpected costs
Net worth
How to save your money
How to start investing
How to build up your emergency savings to cover unexpected costs
Everyone needs an emergency fund. When things go pear-shaped, we need to cover ourselves and those we’re closest to. That’s…
Read more about How to build up your emergency savings to cover unexpected costs
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…
Read more about How to work out your net worth and what it means
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…
Read more about How to save your money
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 more about How to start investing
More on Saving & investing
Avoiding scams
How not to invest in cryptocurrency
At Sorted, we’re keen to see you getting ahead financially and growing your money for the long term. Now generally,…
Read more about How not to invest in cryptocurrency
Investing
Bonds
When we buy a bond, we’re lending money to a government, council or company.
Read more about Bonds
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.
Read more about How does KiwiSaver work? Here’s why it’s worth joining
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.
Read more about How to pick the right KiwiSaver fund for you
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.
Read more about Make the most of KiwiSaver and grow your balance
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. KiwiSaver was…
Read more about How KiwiSaver can help you get into your first home
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
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…
Read more about What you really need to know before you use credit
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,…
Read more about How to get out of debt quickly
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,…
Read more about How credit reports and scores work
More on Tackling debt
Getting out of debt
What happens if I start to struggle with moni?
With things like buy now pay later loans or a credit card, shops make it too easy to buy. Here’s…
Read more about What happens if I start to struggle with moni?
Getting out of debt
Pros and cons of debt consolidation
‘Consolidating’ debt means taking out a new loan to wrap all our existing debts together and pay them off at…
Read more about Pros and cons of debt consolidation
Top Guides
for Protecting wealth
How to build up your emergency savings to cover unexpected costs
About insurance
Insurance types
Insuring ourselves
How to build up your emergency savings to cover unexpected costs
Everyone needs an emergency fund. When things go pear-shaped, we need to cover ourselves and those we’re closest to. That’s…
Read more about How to build up your emergency savings to cover unexpected costs
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…
Read more about How insurance works and how it can help
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…
Read more about How life insurance works
More on Protecting wealth
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 more about Dividing assets fairly when you’re going through separation and divorce
Protecting family
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…
Read more about How to make a will
Top Guides
for Retirement
About NZ Super – how much is it?
Looking after an ageing family member’s finances
When you’re thinking of living in a retirement village
How to plan, save and invest for 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…
Read more about How much is NZ Super? All about New Zealand Superannuation
Looking after an ageing family member’s finances
Learn how to support an ageing parent or whānau member with money matters — from having the first conversation and…
Read more about Looking after an ageing family member’s finances
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…
Read more about When you’re thinking of living in a retirement village
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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More on Retirement
Retirement
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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Four approaches to spending in retirement
Discover four expert-backed rules of thumb for retirement spending that help balance enjoyment and security.
Read more about Four approaches to spending in retirement
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 about How to refinance your mortgage
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 about How to save for a deposit and other costs when buying a home
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…
Read more about How to manage your mortgage and pay off your home loan early
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…
Read more about Different types of mortgages and how they work
More on Home buying
All about mortgages
How to find a good deal on your mortgage
A house is often the biggest purchase of our lives, and a mortgage (also called a home loan) is typically…
Read more about How to find a good deal on your mortgage
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…
Read more about Find out how much of a mortgage you could get
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…
Read more about Going flatting
Your first job
Starting a first job is a good time to put good habits in place and make the most of your…
Read more about Your first job
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…
Read more about Relationships and growing money together
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…
Read more about Planning for a family
More on Life events
Life events
Looking after an ageing family member’s finances
Learn how to support an ageing parent or whānau member with money matters — from having the first conversation and…
Read more about Looking after an ageing family member’s finances
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…
Read more about What to do when you’re made redundant
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