I'm looking for a specific guide

Sorted Buying a house image v3 2

HOW TO GUIDE

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 to Pay later options still v5

HOW TO GUIDE

How to shop smarter using pay-later options

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

10 Knowing your rights Live Sorted

GUIDE

Knowing your rights

Understanding your rights as a consumer and as an investor can make a big difference should things go pear-shaped.

Stretching retirement savings

GUIDE

Stretching our retirement savings

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

Questions to ask a lender Live Sorted

GUIDE

Questions to ask a lender

It's important that you know just what you can and can’t do with a loan, and what the costs are,...

11Losing a partner Live Sorted

GUIDE

Losing a partner

Losing a partner is no time to have to deal with money issues. Yet there is quite a lot to...

10Redundancy Live Sorted

GUIDE

Redundancy

The uncertainty that comes with losing a job or redundancy is a challenge, but leaving one role always opens up...

7Separation Live Sorted

GUIDE

Separation

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

starting work Live Sorted

GUIDE

Starting work

One of the best things about starting work is the freedom that comes with earning our own money! It’s a...

Living in Retirement Live Sorted

GUIDE

Living in retirement

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

life event getting a fine

GUIDE

Getting a fine

No-one likes fines, but the quicker we pay them the better off we’ll be. Unpaid fines can end up costing...

studying Live Sorted

GUIDE

Studying

Studying can be an investment in our future. Interest-free student loans seem like easy money, but borrowing too much could...

8Going flatting v2

GUIDE

Going flatting

Sharing a flat is a big step towards being independent, but it also means we have to get used to...

8 Get out of debt fast Live Sorted

GUIDE

Get out of debt fast

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

9Wills Live Sorted

GUIDE

Wills

Why do we need a will? People mainly use them to write down family members they want to provide for...

Choosing a retirement village Live Sorted

GUIDE

Choosing a retirement village

Decisions about retirement villages are important; they tend to have a long-term personal and financial impact. Buying into a retirement...

13Shares Live Sorted

GUIDE

Shares

When we buy a share, we're buying a small part of a company and a share in any profit the...

Buying first home

GUIDE

Buying a first home

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

7Saving paying yourself first

GUIDE

Saving: Paying ourselves first!

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

Relationship

GUIDE

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...

guide retirement planning

GUIDE

Planning for retirement

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

Baby on the way Live Sorted

GUIDE

Baby on the way?

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

Retirement money Live Sorted

GUIDE

Retirement money

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

Partners

GUIDE

Making money plans with your partner

If we’re partnered up and planning, both sides need to be involved in the process. It’s all about getting on...

This Years NZ Super rates Live Sorted

GUIDE

This year's NZ Super rates

The current rates of New Zealand Superannuation (NZ Super) below give a broad idea of how much the state pension...

guide nz super

GUIDE

About NZ Super

New Zealand Superannuation (NZ Super) is the government pension paid to Kiwis over the age of 65. Any eligible New...

6net worth

GUIDE

Net worth

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

Mortgage types Live Sorted

GUIDE

Mortgage types

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

money tracking Live Sorted

GUIDE

Money tracking

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

Managing a mortgage Live Sorted

GUIDE

Managing a mortgage

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

11Investing in propertyV1 Live Sorted

GUIDE

Investing in property

Lots of New Zealanders own rental property – it has been a popular form of investment over the years. The...

12Investing basics Live Sorted

GUIDE

Investing basics

When it comes to investing, there are some key fundamentals. Think of them as a cycle to come back to...

8About investmentv2 Live Sorted

GUIDE

About investing

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

###

GUIDE

Shopping for a mortgage

A house is often the biggest purchase of our lives, and a mortgage (also called a home loan) is typically...

8Insuring ourselves Live Sorted v3

GUIDE

Insuring ourselves

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

4Insuring hour homes Live Sorted

GUIDE

Insuring our homes

Since a home will probably be the biggest asset we own, we’ll need to protect it in case something unexpected...

guide student loans

GUIDE

Student loans

Borrowing to study can be a great opportunity, although it’s important not to borrow more than we need.

6Insurance types Live Sorted

GUIDE

Insurance types

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

5About insurance Live Sorted

GUIDE

About insurance

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

7 Hire purchase Live Sorted

GUIDE

Hire purchase

With an HP we can take home a product and use it while we’re paying it off. It can seem...

2Setting goals target to shoot for Sorted Live

GUIDE

Setting goals: Targets to shoot for

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

6 Personal loans Live Sorted

GUIDE

Personal loans

People use personal loans to pay for all kinds of things – weddings, renovations, holidays or consolidating their debts. They’re...

9Manage founds Live Sorted v2

GUIDE

Managed funds

Instead of investing directly and doing it all ourselves, we can invest in a managed fund where our money is...

3Family trust Live Sorted

GUIDE

Family trusts

The idea with a family trust is to protect the ownership of our assets. Here’s how these work: we transfer...

2Enduring powers of attorney Live Sorted

GUIDE

Enduring powers of attorney

An enduring power of attorney (EPA) is a legal document giving someone the power to act for us if we...

Looking after it Live Sorted

GUIDE

KiwiSaver: Looking after it

KiwiSaver is easy to join, and keeps ticking along in the background. But to make the most of our savings...

4 Before Borrowing Live Sorted

GUIDE

Before borrowing

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

5 Credit Reports Live Sorted

GUIDE

Credit reports

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

Which fund suits Live Sorted

GUIDE

KiwiSaver: Which fund suits?

KiwiSaver is a great way to get ahead financially. There are some key choices to make, however, to get the...

10Compounding interest friend or foe Live Sorted

GUIDE

Compound interest: friend or foe?

Einstein called it the ‘eighth wonder of the world’. He was talking about compound interest, which supercharges our savings and...

3 Consolidating debt Live Sorted

GUIDE

Consolidating debt

‘Consolidating’ debt means taking out a new loan to wrap all our existing debts together and pay them off at...

2 Credit cards Live Sorted

GUIDE

Credit cards

Credit cards are an easy way to pay for things with a quick swipe or tap, but they can be...

How it works Live Sorted

GUIDE

KiwiSaver: How it works

KiwiSaver is an easy and affordable way to save for retirement. Most of us can benefit from joining, if we...

4My investor typeLive Sorted

GUIDE

My investor type

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

1 Car loans Live Sorted

GUIDE

Car loans

Most vehicles – unless they’re classic cars – quickly go down in value, not up. So borrowing to buy a...

5Kind of investment Live Sorted

GUIDE

Kinds of investments

Investing is the best way to grow wealth and get our money working for us – but how? There are...

Budget Live Sorted

GUIDE

Budget - don't fudge it!

‘Budget’ doesn’t have to be a dirty word. It’s just a simple plan showing what money we expect to receive...

How much can I borrow Live Sorted

GUIDE

How much can I borrow?

The amount we can borrow for a home depends on a couple of things: how much we can afford to...

6Bonds Live Sorted

GUIDE

Bonds

When we buy a bond, we’re lending money to a government, council or company.

3Bank deposits Live Sorted v2

GUIDE

Bank deposits

Savings accounts and term deposits with a bank, credit union or building society are convenient for saving.

2Investing questions Live Sorted v3

GUIDE

Investing questions

Ready to start investing? The next step is to make sure we do a good job of it and get...

1Investment advice Live Sorted

GUIDE

Investment advice

Advice on investments is widely available. Financial planners, insurance companies, sharebrokers, banks and financial advisers are all more than happy...

getting advice Live Sorted

GUIDE

Getting advice

Managing money can be challenging – not all of us have the skills to sort out the more complicated stuff....

1 Assets Protecting what is important Live Sorted

GUIDE

Assets: Protecting what's important

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