I’m ready to budget

Starting a budget can feel hard, but it will take the stress out of money and help you reach your goals. It’s easier than you think – and small steps really add up! Take a look at our budgeting tool and get started with our resources that will guide you on the best approach for you and your whānau. It’s time to make your money work for you. Remember, a budget is just a money plan – a tool to help you stay in control.

Build your budget now

Budgets are plans for your spending and saving, and this tool lets you keep track of your money coming in and going out.

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Top money hacks

Track your spending so you understand your habits and see what’s really happening with your money.
On payday, give every dollar a job! This will help you get to the goals you have.
Dreaming up some goals helps you set your direction towards where you’d like be in the future.

Recommended for you

Here are some key guides, tools and blogs to help you sort your everyday money.

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How to track your money to create a budget and stick to it

A budget is a simple plan for your spending, but to build one you have to get an accurate idea of everything you typically spend on.

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How to start a budget and why it's important

A budget is just a simple plan to steer our money and stay in control. It’s one of the best tools for getting the most out of your money.

Two women are standing together outside and gardening. They are looking at each other and laughing.

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Reading time: 4 minutes

Why money goals are important and how to set them

Setting financial goals helps you focus on what you want from your money. Goals can be short or long term, small or large, but whatever size, they need to be achievable.

A woman is lying on a bed with her laptop and a notepad and pen

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Reading time: 9 minutes

Set your relationship up for money success

Being in a relationship brings new opportunities. Working together can mean you can get further ahead – but it is important to make sure you are on the same page first and share the decision making.

Smiling young man piggy-backing smiling partner in shallow waves at the beach

Blog

Reading time: 7 minutes

Top tips when there's too much month left at the end of the money

It can be tough going living payday to payday, with nothing left in between. There are steps you can take to steer your money and achieve your goals.

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Reading time: 6 minutes

Budgeting isn't just for bills

Creating a budget can help you decide what is important – and how you can use your money to reach your goals.

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Reading time: 4 minutes

Making a money plan and sticking to it

Aroha’s budget keeps her in check, so she doesn’t get distracted by ‘wanting stuff’. Using a budget to talk about financial goals with her whānau gives everyone clarity about what’s important.

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Watching time: 2 minutes

How to pay yourself first

Setting money aside immediately each payday is the best way to save. This way you make sure saving is a priority and money really flows towards your goals.

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Time to complete: 5 minutes

Money personality quiz

Did you know we all have a money personality? Uncover yours with our quiz so you can understand more about your money habits and behaviours. This’ll help you make your money decisions.

Recommended for you

Here are some key guides, tools and blogs to help you sort your everyday money.

Guide

Reading time: 4 minutes

How to track your money to create a budget and stick to it

A budget is a simple plan for your spending, but to build one you have to get an accurate idea of everything you typically spend on.