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Starting a family

How to refinance your mortgage

Relationships

Separation

Life event

Having a baby – Staying sorted financially when your child arrives

Finding out we’ve got a little bundle of joy on the way is an exciting milestone! A new arrival is…

Budget for reduced income
Paid Parental Leave
Other government help
Budget for baby expenses
Childcare and home help
Protecting a new family
Returning to work
Where to go for help

Home buying and mortgages

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…

How refinancing works
Steps to refinancing your mortgage

Life event

Being in a relationship 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…

Different attitudes to money
Sharing expenses
Growing wealth together
Protecting what we own and owe
When a relationship ends
Where to go for help

Life event

Separation - Manage finances after separating or divorce

Separation or divorce is a stressful and upsetting time. It also unfortunately negatively impacts any wealth that has built up…

Getting started
Relationship property law
Adjusting to a change in income
Wills, insurance and superannuation
Child support
Where to go for help

Planning & budgeting

Saving & investing

KiwiSaver Guides

Tackling debt

Protecting wealth

Retirement

Home buying

Top Guides
for Planning & budgeting

Setting goals

Money tracking

Plan your spending with a budget

Net worth

View all Planning & budgeting guides

Setting financial goals - how to set money goals

Here’s the first step to sorting our finances: working out where we want to be moneywise and what our priorities…

How to track your money

Budgets help us plan where our money should be going, but it’s also important to track where our money actually…

How to plan your spending with a budget

A budget (or money plan) is really just a simple plan for your spending.

What is my net worth?

Simply put, net worth is the difference between the value of what we own and the total amount that we…

Top Guides
for Saving & investing

Saving: Paying ourselves first!

Get investing

Investment advice

My investor type

View all Saving & investing guides

Saving - How to save & set up a savings plan

One of the best habits we can get into is “paying ourselves first” and making it automatic. The more we…

Get investing to grow your money

Investing is all about buying things that put money back into our pockets. Sound intimidating? It’s really not. Those of…

Investment advice – finding a financial adviser

Not just anyone can call themselves a financial adviser. They have to meet a certain standard of competence and put…

My investment profile - Investor types & investing smart

To be successful with investing, it’s important to figure out what type of investor we are, which is sometimes called…

Top Guides
for KiwiSaver Guides

How KiwiSaver works and why it's worth it

How to pick your KiwiSaver fund

Look after your KiwiSaver balance

View all KiwiSaver Guides guides

How KiwiSaver works and why it's worth it

Most of us can benefit from joining KiwiSaver. Here are its main features.

How to pick your KiwiSaver fund

Even if you’ve been in KiwiSaver for a while, your fund may not be a good fit.

Look after your KiwiSaver balance

To make the most of KiwiSaver, you need to make some important decisions along the way.

Top Guides
for Tackling debt

Shop smarter using pay-later options

Before borrowing

Get out of debt fast

Credit reports

View all Tackling debt guides

How to shop smarter using pay-later options like Afterpay, Laybuy or Zip

Pay-later options can be a helpful way to spread out the cost of something over time with no charges added…

Managing debt - What to know before borrowing money

Debt comes in many forms – credit cards, hire purchase, car loans, personal loans, mortgages, student loans. There's no shortage…

Get out of debt fast - How to reduce debt

The longer we take to pay off debt, the more it costs us. So if there’s room in the budget,…

Credit reports - How credit history and scores work

We’re getting identified more and more by our credit reports these days. When businesses decide whether to lend us money,…

Top Guides
for Protecting wealth

Assets: Protecting what's important

About insurance

Insurance types

Insuring ourselves

View all Protecting wealth guides

Asset protection - Ways to protect your valued assets

Protecting your assets is important, from insuring your house to making a will. Learn more about the different types of…

Insurance - Insuring the big costs if it goes wrong

Sometimes things go pear-shaped. If an earthquake strikes, our house burns down, our car is in a crash or we…

Types of insurance - Different kinds of insurance in NZ

Life is full of risks of things that could happen – the house burning down, the car being stolen, illness…

Life insurance - Insuring ourselves to protect dependents

When we’re fit and healthy, it’s hard to imagine life changing. But what would happen if we couldn’t earn an…

Top Guides
for Retirement

Planning for retirement

Stretching our retirement savings

Retirement money

Living in retirement

View all Retirement guides

Retirement planning - Saving for retirement

Ask anyone who's retired and they will say to start saving as soon as you can! Even if it seems…

Stretching our retirement savings

How do we turn our life’s savings into a steady income?

Retirement income - Money sources in retirement

Statistically we’re living much longer these days. Seeing that we could be retired for more than 25 years, we’re going…

Living in retirement - Managing money while retired

These are the choice years, when we’ll finally have the time and freedom to do all those things on the…

Top Guides
for Home buying

How to refinance your mortgage

Buying a first home

Managing a mortgage

Mortgage types

View all Home buying guides

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…

Buying a first home – deposits, mortgages and finances

Getting into a first home takes careful planning and, for most of us, serious budgeting! These tips for first home…

Managing a mortgage - Paying it off

It can feel good being a home sweet homeowner! But – and there is “the but” – we still need…

Types of mortgages - How different mortgage types work

There are many types of mortgages, each with its own interest rate, fees and flexibility. Each of these things affect…

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Start your emergency fund

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Tackle your debt

Cover your people, money, stuff

Work out your retirement number

Set your goals, then reach them!

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7 KiwiSaver figures you won’t believe

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COVID-19 and your money: 7 things to do right now

Here's how to stop procrastinating when it comes to money

10 Money Week answers Kiwis are chasing

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See it all clearly – we've put the spotlight on key money matters so you can make the best choices for you.

Our guides will help you through all stages of life…

Starting a family

How to refinance your mortgage

Relationships

Separation

Having a baby – Staying sorted financially when your child arrives

What you'll learn

How to refinance your mortgage

What you'll learn

Being in a relationship and growing money together

What you'll learn

Separation - Manage finances after separating or divorce

What you'll learn

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Planning & budgeting

Saving & investing

KiwiSaver Guides

Tackling debt

Protecting wealth

Retirement

Home buying

Top Guides for Planning & budgeting

Setting goals

Money tracking

Plan your spending with a budget

Net worth

View all Planning & budgeting guides

Setting financial goals - how to set money goals

How to track your money

How to plan your spending with a budget

What is my net worth?

More on Planning & budgeting

Getting money advice

Making money plans with your partner

Studying - Student loans, where & what to study

Top Guides for Saving & investing

Saving: Paying ourselves first!

Get investing

Investment advice

My investor type

View all Saving & investing guides

Saving - How to save & set up a savings plan

Get investing to grow your money

Investment advice – finding a financial adviser

My investment profile - Investor types & investing smart

More on Saving & investing

Learn about compound interest

Investing in property

Investing in bank term deposits or savings

Top Guides for KiwiSaver Guides

How KiwiSaver works and why it's worth it

How to pick your KiwiSaver fund

Look after your KiwiSaver balance

View all KiwiSaver Guides guides

How KiwiSaver works and why it's worth it

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