Planning & budgeting
Saving & investing
KiwiSaver
Tackling debt
Protecting wealth
Retirement
Home buying
Life events
Setting goals
Money tracking
Plan your spending with a budget
Getting advice
Studying
Get better with money
What pūtea beliefs do you have?
How to build up your emergency savings to cover unexpected costs
How to save your money
How to start investing
Find a financial adviser to help you invest
Your investment profile
Compound interest
Net worth
Types of investments
Term deposits
Bonds
Investment funds
Shares
Property investment
How KiwiSaver works and 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
Applying for a KiwiSaver hardship withdrawal
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
Know your rights
Pros and cons of debt consolidation
Credit cards
Car loans
Personal loans
Hire purchase
Student loans
Getting a fine
What happens if I start to struggle with moni?
How to build up your emergency savings to cover unexpected costs
Cryptocurrency
How to protect yourself from fraud and being scammed
About insurance
Insurance types
Insuring ourselves
Wills
Enduring powers of attorney
Family trusts
Insuring our homes
Losing a partner
Redundancy
Serious diagnosis
How to cope with the aftermath of fraud
Separation
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
Find housing options in retirement
Four approaches to spending in retirement
Planning & budgeting
Saving & investing
KiwiSaver
Tackling debt
Protecting wealth
Retirement
Home buying
Life events
Browse
Planning & budgeting
Tackling debt
Home buying
Protecting wealth
KiwiSaver & retirement
Saving & investing
Real-life read
21 July 2025
Reading time: 7 minutes
In part one of our two-part series, Sorted users share what led them to start their rainy-day fund and what motivates them to expect unexpected costs and keep it up.
14 July 2025
Reading time: 4 minutes
Some whānau pool together their pūtea to create a fund for emergencies. Here, Sorted’s kaihautū/director of Māori and learning tells how our tīpuna have provided a plan.
14 July 2025
Reading time: 4 minutes
He mahi ngātahi te rautaki kohi pūtea ohotata a ētahi whānau. Pērā i ngā tīpuna i whakarite mahere mō ngā take ohorere, ka kōrerotia ēnei āhuatanga e te kaihautū, director Māori & learning ki Sorted.
16 June 2025
Reading time: 3 minutes
Sorted user Kelly offers a roadmap for how she swapped being broke and living for payday for a debt-free life with an emergency fund, savings and a budget that still lets her have fun.
26 May 2025
Reading time: 5 minutes
In our series exploring people’s real experiences with money, Monnie shares her saving hack: as soon as she and her husband get paid, they send 20% straight to their savings account.
Visit us on social
© Office of the Retirement Commissioner
Use verification code from your authenticator app. How to use authenticator apps.
Don't have an account? Sign up
Or log in with our social media platforms
A free account gives you your very own space where you can save your tools and track your progress as you get ahead.
Or sign up using Google:
Back
