Back
Budgeting
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 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 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
This year's NZ Super rates
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
Planning & budgeting
Saving & investing
KiwiSaver
Tackling debt
Protecting wealth
Retirement
Home buying
Life events
Resources
Videos
Podcasts
Just wondering
Help with the cost of living
In need of financial help
Booklets
Glossary
Blogs
View all
Everyone has their attitudes and beliefs about money. What do you remember about money when you were growing up? Are you puzzled by your spending patterns? Ever wonder about why you picked up some habits, not others?
Whether you’re putting away some savings for the first time or are ready to start investing, you’ll have questions. Maybe you’re wondering where you should be putting your money? Or how much risk you should take on?
It’s more fun than it sounds! We like to think of budgets as a plan for your money and what you’ll spend it on – including the things you want to buy. Budgeting isn’t just for bills! But how do you set a budget up? And what should it cover?
It’s often easy to get into debt but not so easy to get out of it. Which debt should you pay off first? How can you manage a credit card without it costing too much? Should you take out a loan in the first place? How does buy now, pay later work?
KiwiSaver is a great way to invest for the future you, whether you’re going to use it for your first home or not until retirement. But there’s more to it than you might think. Are you in the right type of fund for you? Are you paying too much in fees? How do you withdraw it?
Retirement may seem like a long way off, but planning for it requires more than setting and forgetting your KiwiSaver. What type of retirement lifestyle would you like? And do you really need a million dollars to retire?
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 Sorted account gives you a personal dashboard where you can save your tools, track your progress and you'll also receive helpful money tips and guidance straight to your inbox.
Or sign up with our social media platforms
