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                    <image:title>iStock 647406070</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://sorted.org.nz/guides/home-buying/managing-a-mortgage/</loc>
            <lastmod>2026-02-27T14:17:36+13:00</lastmod>
            <changefreq>monthly</changefreq>
            <priority>0.8</priority>
            
                <image:image>
                    <image:loc>https://assets.sorted.org.nz/public/New-Guide-preview-thumbs/Managing-a-mortgage-Live-Sorted.png</image:loc>
                    <image:title>Managing a mortgage Live Sorted</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://sorted.org.nz/guides/tackling-debt/how-to-get-out-of-debt-quickly/</loc>
            <lastmod>2025-07-11T12:35:03+12:00</lastmod>
            <changefreq>monthly</changefreq>
            <priority>0.8</priority>
            
                <image:image>
                    <image:loc>https://assets.sorted.org.nz/public/assets/how-to-get-out-of-debt-guide-banner.jpg</image:loc>
                    <image:title>How to get out of debt guide banner</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://sorted.org.nz/6-steps-to-get-your-money-sorted/tackle-your-debt/</loc>
            <lastmod>2024-03-13T08:53:15+13:00</lastmod>
            <changefreq>monthly</changefreq>
            <priority>0.9</priority>
            
                <image:image>
                    <image:loc>https://assets.sorted.org.nz/public/assets/6-steps-3.-debt-banner.jpg</image:loc>
                    <image:title>6 Steps 3. debt banner</image:title>
                </image:image>
            
                <image:image>
                    <image:loc>https://assets.sorted.org.nz/public/Uploads/get-sorted/mouse_step3.jpg</image:loc>
                    <image:title>mouse step3</image:title>
                </image:image>
            
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        <url>
            <loc>https://sorted.org.nz/guides/kiwisaver/</loc>
            <lastmod>2025-07-14T13:23:25+12:00</lastmod>
            <changefreq>monthly</changefreq>
            <priority>0.9</priority>
            
                <image:image>
                    <image:loc>https://assets.sorted.org.nz/public/Uploads/page-images/banners/Kiwisaver_1.jpg</image:loc>
                    <image:title>Kiwisaver 1</image:title>
                </image:image>
            
                <image:image>
                    <image:loc>https://assets.sorted.org.nz/public/Uploads/page-images/thumbnails/Kiwisaver_1.jpg</image:loc>
                    <image:title>Kiwisaver 1</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://sorted.org.nz/tools/goal-planner/</loc>
            <lastmod>2025-05-16T14:51:12+12:00</lastmod>
            <changefreq>weekly</changefreq>
            <priority>0.9</priority>
            
                <image:image>
                    <image:loc>https://assets.sorted.org.nz/public/Uploads/page-images/thumbnails/Goal-Planner_hub_660x496.jpg</image:loc>
                    <image:title>Goal Planner hub 660x496</image:title>
                </image:image>
            
                <image:image>
                    <image:loc>https://assets.sorted.org.nz/public/Uploads/Goal-Planner_thumbnail_1200x630.jpg</image:loc>
                    <image:title>Goal Planner thumbnail 1200x630</image:title>
                </image:image>
            
                <image:image>
                    <image:loc>https://assets.sorted.org.nz/public/tools/goalplanner_BG.jpg</image:loc>
                    <image:title>goalplanner BG</image:title>
                </image:image>
            
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        <url>
            <loc>https://sorted.org.nz/sort-my/im-struggling-to-budget/</loc>
            <lastmod>2024-09-05T11:28:15+12:00</lastmod>
            <changefreq>monthly</changefreq>
            <priority>0.9</priority>
            
                <image:image>
                    <image:loc>https://assets.sorted.org.nz/public/Uploads/page-images/banners/cousins.jpg</image:loc>
                    <image:title>cousins</image:title>
                </image:image>
            
                <image:image>
                    <image:loc>https://assets.sorted.org.nz/public/Uploads/page-images/banners/cousinsM.jpg</image:loc>
                    <image:title>cousinsM</image:title>
                </image:image>
            
                <image:image>
                    <image:loc>https://assets.sorted.org.nz/public/Banners/sort-my-banner-2.jpg</image:loc>
                    <image:title>Sort my banner 2</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://sorted.org.nz/guides/life-events/relationships/</loc>
            <lastmod>2024-03-04T17:11:29+13:00</lastmod>
            <changefreq>monthly</changefreq>
            <priority>0.8</priority>
            
                <image:image>
                    <image:loc>https://assets.sorted.org.nz/public/Uploads/page-images/banners/Redundant-or-losing-Partner-or-Illness.jpg</image:loc>
                    <image:title>Redundant or losing Partner or Illness</image:title>
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                <image:image>
                    <image:loc>https://assets.sorted.org.nz/public/2021-Guides/iStock-505244788.jpg</image:loc>
                    <image:title>Relationships</image:title>
                </image:image>
            
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        <url>
            <loc>https://sorted.org.nz/blog/talk-about-stretch-goals/</loc>
            <lastmod>2021-09-23T18:16:59+12:00</lastmod>
            <changefreq>monthly</changefreq>
            <priority>0.9</priority>
            
                <image:image>
                    <image:loc>https://assets.sorted.org.nz/public/Uploads/blog-talk-about-stretch-goals.png</image:loc>
                    <image:title>blog talk about stretch goals</image:title>
                </image:image>
            
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        <url>
            <loc>https://sorted.org.nz/guides/saving-and-investing/investor-profile/</loc>
            <lastmod>2026-02-27T13:48:58+13:00</lastmod>
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            <priority>0.8</priority>
            
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                    <image:loc>https://assets.sorted.org.nz/public/2021-Guides/iStock-940279870.jpg</image:loc>
                    <image:title>Investor profile</image:title>
                </image:image>
            
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        <url>
            <loc>https://sorted.org.nz/guides/tackling-debt/credit-reports/</loc>
            <lastmod>2025-07-21T14:26:05+12:00</lastmod>
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            <priority>0.8</priority>
            
                <image:image>
                    <image:loc>https://assets.sorted.org.nz/public/2021-Guides/Credit-rating-blog.jpg</image:loc>
                    <image:title>Credit rating blog</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://sorted.org.nz/guides/protecting-wealth/insuring-ourselves/</loc>
            <lastmod>2025-05-29T15:22:15+12:00</lastmod>
            <changefreq>monthly</changefreq>
            <priority>0.8</priority>
            
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                    <image:loc>https://assets.sorted.org.nz/public/Uploads/8Insuring-ourselves-Live-Sorted-v3.png</image:loc>
                    <image:title>8Insuring ourselves Live Sorted v3</image:title>
                </image:image>
            
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        <url>
            <loc>https://sorted.org.nz/guides/home-buying/mortgage-types/</loc>
            <lastmod>2026-01-20T11:44:20+13:00</lastmod>
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            <priority>0.8</priority>
            
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                    <image:title>Types of mortgage</image:title>
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        <url>
            <loc>https://sorted.org.nz/guides/retirement/this-years-nz-super-rates/</loc>
            <lastmod>2025-12-08T13:54:47+13:00</lastmod>
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                    <image:title>This years&#039; Super rates</image:title>
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        <url>
            <loc>https://sorted.org.nz/6-steps-to-get-your-money-sorted/cover-your-people-money-stuff/</loc>
            <lastmod>2024-03-13T08:53:28+13:00</lastmod>
            <changefreq>monthly</changefreq>
            <priority>0.9</priority>
            
                <image:image>
                    <image:loc>https://assets.sorted.org.nz/public/assets/6-steps-4.-cover-your-people.jpg</image:loc>
                    <image:title>6 Steps 4. Cover your people banner</image:title>
                </image:image>
            
                <image:image>
                    <image:loc>https://assets.sorted.org.nz/public/Uploads/get-sorted/mouse_step4.jpg</image:loc>
                    <image:title>mouse step4</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://sorted.org.nz/guides/tackling-debt/</loc>
            <lastmod>2025-07-14T13:23:40+12:00</lastmod>
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                    <image:loc>https://assets.sorted.org.nz/public/Uploads/page-images/banners/Takling-Debt_2-v2.jpg</image:loc>
                    <image:title>Takling Debt 2 v2</image:title>
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                <image:image>
                    <image:loc>https://assets.sorted.org.nz/public/Uploads/page-images/thumbnails/Takling-Debt_2.jpg</image:loc>
                    <image:title>Takling Debt 2</image:title>
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        <url>
            <loc>https://sorted.org.nz/guides/kiwisaver/how-kiwisaver-can-help-you-get-into-your-first-home/</loc>
            <lastmod>2026-04-21T15:09:46+12:00</lastmod>
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                    <image:title>Buying a first home using KiwiSaver</image:title>
                </image:image>
            
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        <url>
            <loc>https://sorted.org.nz/tools/money-personality-quiz/</loc>
            <lastmod>2025-05-21T17:10:10+12:00</lastmod>
            <changefreq>daily</changefreq>
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                    <image:title>MPQ desktop v2</image:title>
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                    <image:title>MPQ mobile overlay</image:title>
                </image:image>
            
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        <url>
            <loc>https://sorted.org.nz/sort-my/ive-got-a-goal/</loc>
            <lastmod>2024-09-05T11:28:26+12:00</lastmod>
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                    <image:title>cousins</image:title>
                </image:image>
            
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                    <image:loc>https://assets.sorted.org.nz/public/Uploads/page-images/banners/cousinsM.jpg</image:loc>
                    <image:title>cousinsM</image:title>
                </image:image>
            
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                    <image:loc>https://assets.sorted.org.nz/public/Banners/sort-my-banner-2.jpg</image:loc>
                    <image:title>Sort my banner 2</image:title>
                </image:image>
            
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        <url>
            <loc>https://sorted.org.nz/guides/life-events/planning-for-a-family/</loc>
            <lastmod>2024-03-04T17:11:15+13:00</lastmod>
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                    <image:title>Planning for Family or Relationships or Losing partner 1</image:title>
                </image:image>
            
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                    <image:loc>https://assets.sorted.org.nz/public/New-Guide-preview-thumbs/Working-file-Live-Sorted.png</image:loc>
                    <image:title>Baby on the way Live Sorted</image:title>
                </image:image>
            
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        <url>
            <loc>https://sorted.org.nz/videos/webinar-heres-to-a-debt-free-you/</loc>
            <lastmod>2025-10-14T16:02:21+13:00</lastmod>
            <changefreq>weekly</changefreq>
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                    <image:title>Heres to a debt free you</image:title>
                </image:image>
            
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        <url>
            <loc>https://sorted.org.nz/blog/tick-tick-boom/</loc>
            <lastmod>2021-09-23T18:22:12+12:00</lastmod>
            <changefreq>monthly</changefreq>
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                    <image:loc>https://assets.sorted.org.nz/public/Uploads/blog-tick-tick-boom.jpg</image:loc>
                    <image:title>blog tick tick boom</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://sorted.org.nz/guides/saving-and-investing/learn-about-compound-interest/</loc>
            <lastmod>2022-11-04T13:50:13+13:00</lastmod>
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                    <image:title>Compound interest</image:title>
                </image:image>
            
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        <url>
            <loc>https://sorted.org.nz/guides/home-buying/shopping-for-a-mortgage/</loc>
            <lastmod>2026-02-27T14:18:16+13:00</lastmod>
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                    <image:title>Shopping for a mortgage</image:title>
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            <lastmod>2025-12-09T10:22:27+13:00</lastmod>
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                    <image:title>9Wills Live Sorted</image:title>
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            <loc>https://sorted.org.nz/6-steps-to-get-your-money-sorted/work-out-your-retirement-number/</loc>
            <lastmod>2024-03-13T08:53:43+13:00</lastmod>
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                    <image:title>6 steps 5. retirement banner</image:title>
                </image:image>
            
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                    <image:loc>https://assets.sorted.org.nz/public/Uploads/get-sorted/mouse_step5.jpg</image:loc>
                    <image:title>mouse step5</image:title>
                </image:image>
            
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                    <image:title>Protecting Wealth 1</image:title>
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                    <image:loc>https://assets.sorted.org.nz/public/Uploads/page-images/thumbnails/Protecting-Wealth_1.jpg</image:loc>
                    <image:title>Protecting Wealth 1</image:title>
                </image:image>
            
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        <url>
            <loc>https://sorted.org.nz/guides/tackling-debt/knowing-your-rights/</loc>
            <lastmod>2026-02-27T13:58:41+13:00</lastmod>
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                    <image:title>iStock 970840476</image:title>
                </image:image>
            
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        <url>
            <loc>https://sorted.org.nz/guides/planning-and-budgeting/getting-advice/</loc>
            <lastmod>2026-02-27T13:38:03+13:00</lastmod>
            <changefreq>monthly</changefreq>
            <priority>0.8</priority>
            
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                    <image:loc>https://assets.sorted.org.nz/public/New-Guide-preview-thumbs/getting-advice-Live-Sorted.png</image:loc>
                    <image:title>getting advice Live Sorted</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://sorted.org.nz/tools/debt-calculator/</loc>
            <lastmod>2025-05-16T14:51:58+12:00</lastmod>
            <changefreq>monthly</changefreq>
            <priority>0.9</priority>
            
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                    <image:loc>https://assets.sorted.org.nz/public/tools/mouse_rugby.jpeg</image:loc>
                    <image:title>mouse rugby</image:title>
                </image:image>
            
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                    <image:loc>https://assets.sorted.org.nz/public/2021-Tools/Tools_debtcal_360x270-1.jpg</image:loc>
                    <image:title>Tools debtcal 360x270 1</image:title>
                </image:image>
            
                <image:image>
                    <image:loc>https://assets.sorted.org.nz/public/tools/mouse_rugby_mobile.jpeg</image:loc>
                    <image:title>mouse rugby mobile</image:title>
                </image:image>
            
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        <url>
            <loc>https://sorted.org.nz/guides/kiwisaver/applying-for-a-kiwisaver-hardship-withdrawal/</loc>
            <lastmod>2025-07-11T12:33:51+12:00</lastmod>
            <changefreq>monthly</changefreq>
            <priority>0.8</priority>
            
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                    <image:loc>https://assets.sorted.org.nz/public/Uploads-v2/getting-through-together.jpg</image:loc>
                    <image:title>getting through together</image:title>
                </image:image>
            
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        <url>
            <loc>https://sorted.org.nz/sort-my/choose-the-right-kiwisaver-fund/</loc>
            <lastmod>2024-06-26T07:37:03+12:00</lastmod>
            <changefreq>monthly</changefreq>
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                    <image:title>cousins</image:title>
                </image:image>
            
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                    <image:loc>https://assets.sorted.org.nz/public/Uploads/page-images/banners/cousinsM.jpg</image:loc>
                    <image:title>cousinsM</image:title>
                </image:image>
            
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                    <image:loc>https://assets.sorted.org.nz/public/Banners/sort-my-banner-2.jpg</image:loc>
                    <image:title>Sort my banner 2</image:title>
                </image:image>
            
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        <url>
            <loc>https://sorted.org.nz/videos/webinar-enjoy-the-best-prepare-for-the-worst/</loc>
            <lastmod>2025-10-14T16:03:00+13:00</lastmod>
            <changefreq>weekly</changefreq>
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                    <image:loc>https://assets.sorted.org.nz/public/Video-thumbs/Sorted-Thumbnail-Insurance-essentials.png</image:loc>
                    <image:title>Insurance essentials</image:title>
                </image:image>
            
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                    <image:loc>https://assets.sorted.org.nz/public/Uploads/Money-Month-Webinar-video-thumb_Insurance.jpg</image:loc>
                    <image:title>Enjoy the best, prepare for the worst: How to stay covered and protect your peace of mind </image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://sorted.org.nz/blog/tipping-the-too-hard-basket/</loc>
            <lastmod>2021-09-23T18:17:11+12:00</lastmod>
            <changefreq>monthly</changefreq>
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                    <image:loc>https://assets.sorted.org.nz/public/Uploads/blog-tipping-the-too-hard-basket.jpg</image:loc>
                    <image:title>blog tipping the too hard basket</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://sorted.org.nz/guides/home-buying/how-much-can-we-borrow/</loc>
            <lastmod>2026-02-27T14:18:49+13:00</lastmod>
            <changefreq>monthly</changefreq>
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                    <image:loc>https://assets.sorted.org.nz/public/2021-Guides/iStock-1265249599-1.jpg</image:loc>
                    <image:title>Borrowing for a mortgage</image:title>
                </image:image>
            
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        <url>
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            <lastmod>2026-02-12T15:08:19+13:00</lastmod>
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                    <image:title>iStock 642438650</image:title>
                </image:image>
            
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        <url>
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            <lastmod>2025-07-11T12:35:34+12:00</lastmod>
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                <image:image>
                    <image:loc>https://assets.sorted.org.nz/public/2021-Guides/iStock-1223341936.jpg</image:loc>
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                    <image:title>blog the choice years</image:title>
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