MoneyHub NZ
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  • Investing
    • Investing Platforms
      • Reviews
        • Sharesies Review
        • Hatch Review
        • Stake Review
          • Stake Black Review
        • Tiger Brokers (NZ) Review
        • Superhero Review
        • BlackBull Markets Share Trading Platform Review
        • ASB Securities Review
        • Invest Direct Review
        • InvestNow Review
        • Kernel Review
        • Interactive Brokers
        • Smart Review
        • Catalist Review
      • Comparisons
        • Sharesies vs Hatch vs Stake
        • Kernel vs Smart
        • Hatch vs Stake
        • Hatch vs Tiger Brokers
        • Sharesies vs Tiger Brokers
        • Stake vs Tiger Brokers
        • Comparing Sharesies vs Investnow vs Hatch vs Invest Direct and more
        • Best Investment Apps
        • How Do I Start Investing?
        • Virtual Stocks and Shares Trading Games
      • Guides
        • How to Invest in Shares
        • Investing in Vanguard Funds from New Zealand
        • Investing in the US Stock Market from New Zealand
          • How To Buy Tesla Shares
          • How To Buy Apple Shares
          • How To Buy Amazon Shares
          • How To Buy Alphabet Shares
          • How To Buy Netflix Shares
          • How To Buy Microsoft Shares
          • How To Buy Meta Shares
        • US Extended Hours Trading Explained
        • What Happens If Your Investing Platform Shuts Down?
        • Fractional Shares
        • Transferring Share Portfolios
        • How to Read and Understand a Share Chart
        • NZX in a Nutshell
        • Investing in the ASX from New Zealand
        • Investing in Asian Markets from New Zealand
        • Understand Gross vs Net
        • How to Attend the 2026 Berkshire Hathaway Annual Shareholders Meeting
    • Introduction to Investing
      • Guides
        • Index Funds
        • ETFs (Exchange Traded Funds)
        • Cash Funds
        • Index Funds vs ETFs
        • 10 Ways to Invest in New Zealand
        • Compound Interest Explained
        • How to Invest Regularly
        • Passive Investing vs Active Investing
        • Investments You Can Own Forever
        • Investing Mistakes
        • Investing in the S&P 500 from New Zealand
        • Best Retirement Income Products in New Zealand
        • Shares vs ETFs
        • Dollar Cost Averaging Guide
        • Margin Lending and Loans Explained
        • Borrowing to Invest in Property, Shares or Funds
        • Passive Income Strategies
        • How Wealthy New Zealanders Invest Their Money
        • The Best Way to Invest Inheritance or a Windfall
        • Barefoot Investor-Friendly Financial Products in New Zealand
        • Investment Terms Glossary
        • IPOs
        • Investing in Dividend Shares
        • Common Shareholder Numbers in New Zealand
        • Shorting a Stock
        • Investing vs Trading vs Gambling
        • Investment Strategies for the Time-Poor
        • Advanced Trading Concepts
        • New and Emerging Investment Opportunities and Trends
      • Young People and Investing
        • Investing for Kids
        • Investing For Grandchildren
        • 10 Top Investments for Young New Zealanders
        • Sharesies Kids Accounts Review
        • SquareOne Review
        • Dosh Review
      • Investing Calculators
        • Term Deposit Calculator
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing
      • Guides
        • Investing Guide
        • Managed Funds
          • Pie Funds Management Review
          • Booster Private Land and Property Fund Review
          • AMP Managed Funds Review
        • Our Favourite Managed Funds
        • Advisers
          • Financial Advisers Overview
          • DIY Investing vs Investment Brokerage Firms vs Financial Advisors
          • Financial Advisers Auckland
          • Financial Advisers Wellington
          • Financial Advisers Christchurch
        • Bank Credit Ratings
        • Tax on Investments and Savings
        • Capital Gains Tax
        • Bright-Line Test
        • Ethical Investing
        • Best ESG Funds
        • Asset Allocations to Build Wealth
        • Managing Offshore Investments for Returning New Zealanders and Migrants
        • How to Buy and Sell Bonds
        • Buying NZ Corporate Bonds
        • Trading in a Nutshell
        • Peer to Peer Lending
        • Crowdfunding Guide
        • REITs Guide
        • Jasper Review
        • Investing & Personal Finance Podcasts
        • Emergency Funds
        • UK Pension Transfer to New Zealand
        • Returning to the UK from NZ
        • Spending Your Savings in Retirement
        • How to Take Income from Investments
        • What Am I Entitled to If My UK Pension Scheme or Provider Makes a Mistake?
        • Investment Scams
        • Investing in Recession-Proof Sectors and Asset Classes During a Downturn
        • Hedging Investments
        • Top Personal Finance Books for New Zealanders
        • Top Ten Personal Finance Resources
      • Reviews
        • Simplicity Investment Funds Review
        • Lending Crowd Review
        • Squirrel Review
        • Sharesight Review
        • Lifetime Retirement Income
        • New Zealand Financial Markets Authority (FMA)
      • Calculators
        • Managed Funds Fee Calculator
        • Basis Points Calculator
        • Inflation Calculator
        • Retirement Calculator New Zealand
    • Alternative Investments and Trading
      • Reviews
        • BlackBull Markets Review
        • CMC Markets Review
        • Plus500 Review
        • IG Review
        • TMGM Review
        • CMC Markets vs Plus500 vs IG Markets vs BlackBull Markets
      • Guides
        • How to Invest in Gold
        • How to Invest in Silver
        • Forex Trading Guide
          • Forex Trading Platforms Comparison
          • Forex Trading Tools
          • Forex Trading Courses and Education
          • Forex Regulation
        • Options Trading
        • Contracts for Difference (CFDs) Guide
        • Futures Trading
        • Commodities Trading
        • Copy Trading
      • Cryptocurrency
        • Reviews
          • Easy Crypto Review
          • Swyftx Review
          • Binance Review
          • Easy Crypto vs Swyftx
          • NZDD Review
          • Independent Reserve Review
          • eToro Review
          • Coinbase Review
          • Kiwi-Coin Bitcoin Exchange Review
          • Vault International Bitcoin Fund Review
        • Guides
          • How to Buy Bitcoin in New Zealand
          • Beginner's Guide to Bitcoin and Blockchain
          • Stablecoins
          • Guide to NFTs
          • Bitcoin Wallet Guide
          • Bitcoin Mining
          • How to Sell Bitcoin
          • Bitcoin and Crypto Scams
          • Initial Coin Offerings
          • A Beginner’s Guide to Investing in Cryptocurrencies
          • Decentralised Finance
          • Bitcoin in New Zealand
          • New Zealand Bitcoin Exchanges
          • How to Buy Ethereum in New Zealand
          • Other Coins
            • How to Buy Ripple in New Zealand
            • How to Buy Cardano in New Zealand
            • How to Buy Dogecoin in New Zealand
            • How to Buy Litecoin in New Zealand
            • How to Buy Polkadot in New Zealand
  • Loans & Finance
    • Car Finance
      • Car Finance Calculator
      • Electric Vehicle Loans
      • How to Refinance Your Car Loan
      • Car Loan Refinance Calculator
      • Car Dealership Finance vs Alternatives
      • Motorcycle and Moped Loans
      • Motorcycle and Moped Loan Calculator
      • Asset Finance
      • Asset Finance Repayment Calculator
      • Business Vehicle Loans
      • Bad Credit Car Loans
      • Car Loan Brokers vs Direct Car Finance
      • Car Loan Amortisation Calculator
      • Car Finance Company Reviews
        • Simplify Loans Review
        • Toyota Finance Review
        • Mazda Finance Review
        • MTF Finance Review
        • AA Money Review
        • Better Finance Review
        • Kiwi Car Loans Review
        • Lending People Review
        • Driva Car Loans Review
      • Car Finance Must-Knows Guides
        • Buying a Car Loan vs Personal Loan?
        • Car Loans and Collateral
        • Car Loan Guarantors
        • How to Save for a Car
        • Paying Cash for a Car vs Car Finance
        • Balloon Payments
        • Boat Financing Calculator
      • Car Finance Add-On Insurance Guides
        • GAP (Guaranteed Asset Protection Insurance) Insurance
        • Compare Mechanical Breakdown Insurance
        • PPI (Payment Protection Insurance)
    • Personal Loans
      • Debt Consolidation Loans
      • Secured Loans
      • Green Loans
      • Home Renovation Loans
      • Online Loans
      • Bad Credit Loans
      • Beneficiary Loans
      • Payday Loans
      • Cash Advance
      • Same Day Loans
      • Low Income Loans
      • Personal Loan Calculator
      • Debt Consolidation Calculator
      • The Dangers of Debt Consolidation
      • Refinance Personal Loan Calculator
      • Home Renovation Loan Calculator
      • Interest Calculator
      • Harmoney Loans Review
      • Nectar Review
      • Avanti Finance Review
      • Save My Bacon Review
    • Credit Scores & Interest Rates
      • Credit Scores and Credit Checks
      • How to Build Credit in New Zealand
      • How to Pay Down Debt Faster
      • Baycorp and Debt Collection
      • Interest Rates Guide
      • Interest Rate Comparison
      • Buy Now Pay Later Apps
        • Afterpay Review
        • Laybuy Review
        • Humm Review
        • Zip Review
  • Insurance
    • Compare Insurance
      • Compare Car Insurance
      • Car Insurance by Vehicle
        • Compare Toyota Aqua Insurance Costs
        • Compare Toyota Corolla Insurance Costs
        • Compare Toyota Hilux Insurance Costs
        • Compare Mazda2 and Demio Insurance Costs
        • Compare Ford Ranger Insurance Costs
        • Compare Nissan Navara Insurance Costs
        • Compare Subaru Legacy Insurance Costs
      • Reviews & Policy Comparisons
        • AMI vs AMP vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
        • Cove Car Insurance Review
        • Tower Car Insurance Review
        • Young Driver Car Insurance
        • Trade Me Car Insurance Review
        • Caravan Insurance
      • Car Insurance Guides
        • Third Party Car Insurance
        • How to Get Cheaper Car Insurance
        • Car Insurance Calculator
        • No Claims Bonuses Explained
        • Car Insurance Excess Explained
        • Cheapest Cars to Insure
        • Modifications that Make a Car Uninsurable
        • Car Insurers Directory
        • Car Insurance Glossary
        • Most Stolen Cars
    • Home, Contents and Other Insurance
      • House Insurance
      • House Insurance Calculator
      • Best Holiday Home and Airbnb Insurance Policies
      • Difficult to Insure Areas
      • Sum Insured Explained
      • Is Your Home an Insurance Risk?
      • Average Cost of Car, House, and Contents Insurance
      • Insuring Old Houses
      • Contents Insurance
      • Home and Contents Insurance
      • Renters' Insurance
      • Landlord Insurance
      • Dental Insurance and Dentist Plans
      • Phone Insurance
      • Insurance Excess
      • Insurance Company Financial Strength Ratings
      • Motorbike Insurance
      • Initio Review
      • Insurance Brokers
        • Trusted Insurance Brokers in Wellington
        • Trusted Insurance Brokers in Christchurch
    • Compare Pet Insurance
      • Is Pet Insurance Worth Buying?
      • Cat and Dog Desexing
      • Getting a Kitten
      • Buying a Puppy
      • Pet Euthanasia
      • Vet Costs in New Zealand
      • Dog Vaccination Schedule and Costs
      • Costs of Owning a Cat
      • Costs of Owning a Dog
    • Students Insurance
    • Life & Health Insurance
      • Life Insurance
        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • Stepped vs Level Life Insurance
        • Life Insurance Calculator
        • Pre-Existing Medical Conditions
        • Buying Life Insurance Direct vs Using an Insurance Broker
        • Life Insurance Policies - Features and Questions to Ask
        • When To Cancel Or Change a Life Insurance Policy
        • Life Insurance For Smokers and Vapers
      • Health Insurance
        • Going to Australia for Medical Treatment
        • BMI Calculator New Zealand
      • Income Protection Insurance
        • ACC vs Income Protection Insurance
        • Income Protection Insurance for Self Employed
      • Mortgage Insurance
      • Trauma Insurance
      • Redundancy Insurance
      • Funeral Insurance
        • What to Do When a Spouse or Partner Dies
        • Funeral Costs
  • Credit Cards
    • Best Credit Cards
    • Rewards and Cashback Credit Cards
    • Credit Cards That Earn Business Class Flights
    • The Best American Express Credit Cards
    • Air New Zealand Airpoints Credit Cards
      • Kiwibank Airpoints Cards Ending – Best Replacement Options
      • ANZ vs AMEX vs Westpac Platinum Airpoints Credit Cards
      • ANZ Airpoints Visa Platinum vs AMEX Airpoints Platinum
      • Kiwibank Airpoints Platinum Visa vs AMEX Airpoints Platinum
      • Westpac Airpoints Platinum Mastercard vs AMEX Airpoints Platinum
    • Balance Transfer Credit Cards
    • Platinum and Gold Credit Cards
    • Frequent Flyer Credit Cards
    • Travel Credit Cards
    • Interest Free Credit Cards
    • Virtual Debit and Credit Cards
    • Credit Cards That Provide Travel Insurance
    • Reviews
      • American Express Credit Cards Review
        • American Express Airpoints Platinum Review
        • American Express Gold Rewards Card Review
        • American Express Gold Business Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • Where is AMEX Accepted?
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
        • Valuing AMEX Membership Rewards Points
        • AMEX Dining Collection Program Review
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
        • Qatar Airways Credit Cards
        • Singapore Airlines KrisFlyer Credit Cards
        • Cathay Pacific Asia Miles Credit Cards
        • Emirates Skywards Credit Cards
        • RewardPay Review
      • Flight Centre Mastercard Review
    • Guides
      • Pay Off Credit Card Debt
      • Credit Card Basics
      • Mastercard vs Visa
      • Credit Card Minimum Payments Explained
      • Credit Card Interest Calculator
      • Credit Card Debt Amortisation Calculator
      • How to Request a Credit Card Chargeback
    • Other Credit Cards
      • Best Foreign Currency Debit & Credit Cards
      • Free Credit Cards
      • Low Interest Credit Cards
      • Credit Cards for Bad Credit
      • Q Card & Q Mastercard Review
      • GEM Visa Review
      • Onecard Visa Review
      • Purple Visa Review
  • Travel Money Cards
    • Travel Money Card Reviews and Comparisons
      • Wise Debit Card Review
      • Revolut Review
      • Revolut vs Wise - Which Is Better?
      • Travelex Money Card vs Wise Debit Card Comparison
      • OneSmart Card vs Wise Debit Card Comparison
      • Cash Passport vs Wise Debit Card Comparison
    • Travel Money By Country
      • Top Travel Destinations Where the NZD is Strong Right Now
      • Australia Travel Money
      • Bali Travel Money
      • Canada Travel Money
      • Europe Travel Money
      • Fiji Travel Money
      • Japan Travel Money
      • Rarotonga Travel Money
      • Singapore Travel Money
      • Thailand Travel Money
      • USA Travel Money
      • UK Travel Money
      • United Arab Emirates Travel Money
  • Banking & Savings
    • Banking
      • Best Bank Accounts
      • Best Debit Cards
      • Best Joint Bank Accounts
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Private Banking
      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
    • Savings
      • Best Term Deposits
      • Best Notice Saver Accounts
      • Booster Savvy Review
      • Booster Savvy Analytics Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Best Savings Accounts
      • Term Deposit Alternatives
    • Guides and Resources
      • Banks vs Credit Unions
      • Open Banking Explained
      • NZ Bank Prefix Codes
    • Reviews
      • Wise Money Transfer Review
      • Heartland Bank Review
      • First Credit Union Review
      • NZCU Baywide Review
      • The Co-operative Bank NZ Review
      • Western Union Review
  • Mortgages
    • Mortgage Essentials
      • Best Home Loans
      • Mortgage Calculator
      • How Much Can I Borrow?
      • Debt to Income Ratios
      • Equity (and Leverage) Calculator
      • Mortgage Repayment Calculator
      • Mortgage Options
      • Mortgage Cashback
    • Other Mortgage Options
      • Interest-Only Mortgages Guide
      • Interest-Only Mortgage Calculator
      • Revolving Credit Mortgages
      • Offset Mortgages
      • Offset Mortgage Calculator
      • Fixed vs Floating Mortgage Rate Calculator
      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
      • Low-Deposit Home Loans
      • Rent to Own Homes
      • First Home Loan Guide
      • Reverse Mortgages
      • Lifetime Home Review
    • Mortgage Management
      • Saving for a House Deposit
      • Saving for a House Deposit as a Young Professional
      • Buying a Home with Family and Friends
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • What To Do if You Bought a House at the Peak of the New Zealand Market
      • Tips for Seniors Renting or Paying Down a Mortgage
      • Remortgaging Guide
      • Mortgage Relief and Holidays
      • Amortisation Calculator
      • Mortgage Break Fees
      • Defaulting on a Mortgage
      • High Deposit Mortgages
      • Negative Equity
      • How to Manage Higher Mortgage Payments
      • Mortgage Refinance Calculator
    • Mortgage Brokers
      • Mortgage Brokers Explained
      • Trusted Auckland Mortgage Brokers
      • Trusted Hamilton Mortgage Brokers
      • Trusted Mortgage Brokers in Tauranga
      • Trusted Mortgage Brokers in Napier and Hastings
      • Trusted Mortgage Brokers in Wellington
      • Trusted Mortgage Brokers on the Kapiti Coast
      • Trusted Mortgage Brokers in Christchurch
      • LifeDirect Mortgages Review
    • Buying a Home
      • First Home Buyers Checklist
      • Home Buying Glossary
      • Best House Price & Valuation Websites in New Zealand
      • New Zealand Property Types
      • Rateable Value vs Market Value
      • Leasehold Property Guide
      • Conveyancing vs Lawyers
      • Buying an Apartment in New Zealand
      • Buying vs Renting a House
    • Selling a Home
      • How to Sell Your House Privately
      • Real Estate Agent Fees
      • Bridging Finance
    • Property Investment
      • Investment Property Mortgages
      • Renting Directly to Tenants vs Using an Agent
      • Interest Deductibility Changes
    • Building a House
      • Average Building Cost Per Square Metre
      • Cost to Build a New House
      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
      • Free $500+ Government Money for KiwiSaver
      • Our Favourite KiwiSaver Funds
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • How Aggressive Should KiwiSaver Be
      • Choosing Your KiwiSaver Scheme
      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • KiwiSaver Must-Know Facts
      • Opting out of KiwiSaver
      • What Do I Do With My KiwiSaver When I Retire?
      • KiwiSaver Withdrawal
      • Merging KiwiSaver and Australian Super Balances
      • Switching KiwiSaver Funds
      • KiwiSaver Robo and Digital Advice Tools
      • Ethical Kiwisaver Funds
      • KiwiSaver Private Equity Investments
    • KiwiSaver Contributions & Tax
      • Your KiwiSaver Contributions
      • KiwiSaver Contributions - Gross or Net?
      • Employer KiwiSaver Contributions
      • Government KiwiSaver Contributions
      • KiwiSaver Savings Suspensions
      • Voluntary Contributions
      • What's My PIR?
      • KiwiSaver and Tax
    • KiwiSaver for Life Events and Specific Situations
      • Average KiwiSaver Balance by Age
      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
      • KiwiSaver Hardship Applications
      • KiwiSaver in a Divorce or Separation
      • KiwiSaver for Kids
    • KiwiSaver Schemes
      • Amanah KiwiSaver Scheme
      • AMP KiwiSaver Scheme
      • ANZ KiwiSaver Scheme
      • ASB KiwiSaver Scheme
      • AON KiwiSaver Scheme
      • BNZ KiwiSaver Scheme
      • Booster KiwiSaver Scheme
      • Fisher Funds KiwiSaver Scheme
      • Generate KiwiSaver Scheme
      • InvestNow KiwiSaver Scheme
      • Pie KiwiSaver Scheme Review
      • Kernel KiwiSaver Review
      • Kernel KiwiSaver Plan vs Superlife KiwiSaver Scheme
      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • SBS Wealth KiwiSaver Scheme Review
      • MAS KiwiSaver Scheme
        • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • GoalsGetter KiwiSaver Scheme
      • Pathfinder KiwiSaver Review
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
      • KiwiSaver Calculator
      • KiwiSaver Returns Calculator
  • Business
    • Compare Business Loans
      • Business Line of Credit
      • Business Borrowing Options
      • Small Business Loans
      • Operating Leases
      • Finance Leases
      • Operating Leases vs Financing Leases
      • Car Loan Repayment Calculator
      • Prospa Business Loans Review
      • Bizcap Business Loans Review
      • Taxi (Business Funding) Review
    • Business Insurance
      • Public Liability Insurance
      • Professional Indemnity Insurance
      • Business Interruption Insurance
    • Wise Business Account Review
    • Business Credit Cards
    • Business Essentials
      • Money Saving Tips For Businesses
      • Get Debtors to Pay Overdue Invoices
      • Working Capital
      • Liquidations and Receiverships
      • Can't Make Payroll Guide
      • Buying out a Business Partner
      • Business Brokers
    • PAYE & Taxes
      • PAYE Calculator
      • PAYE Tax Rates 2025 & 2026
      • Minimum Wage
      • Tax Codes in New Zealand
    • Business Calculators & Resources
      • GST Calculator
      • GST Due Dates 2025
      • Business Loan Calculator
      • ROI Calculator
      • IRR Calculator
      • Internal Rate of Return
      • Percent Off Calculator
      • Profit Margin Calculator
      • Current Ratio Calculator
      • Quick Ratio Calculator
    • Online Services
      • Domain Names
      • Trusted Web Designers
        • Auckland Web Designers
        • Hamilton Web Designers
        • Wellington Web Designers
        • Christchurch Web Designers
        • Tauranga Web Designers
        • Lower Hutt Web Designers
        • Dunedin Web Designers
      • Digital Identity Programs and Online Verification Tools
      • Trusted Auckland SEO Companies
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
      • Retail Security Options and Costs
    • For Startups
      • How to Start a Business in New Zealand
      • Raising Capital
      • Product Market Fit
      • Crowdfunding vs Bank Financing
      • Blackbird vs Movac
      • How to Become an Angel Investor
      • How to Raise Money from Angel Investors
      • Alternatives to VC Funding
      • Hiring for a Startup
      • VCFO (Virtual CFO)
      • New Zealand Startup and Founder Incubators
      • Expanding Offshore
      • New Zealand Invoice Template
      • Business Podcasts
  • MSD
    • Navigating Work and Income Benefits
    • Jobseeker Support Benefit Rates 2025 and 2026
    • Jobseeker Support Guide
    • Accommodation Supplement Guide
    • SuperGold Card Review
    • Disability Allowance
    • MyMSD
    • Community Services Card
    • Hardship Assistance - Urgent Costs and Living Expense Assistance
    • Loans for Unemployed
    • Working for Families Guide
    • Childcare Subsidies in New Zealand
    • Super Rates 2025 and 2026
    • NZ Superannuation in a Nutshell
    • Government Departments Helping New Zealanders Directly
    • Food Grants Guide
    • Food Banks Directory
      • Food Banks Auckland
      • Food Banks Northland
      • Food Banks Hamilton Waikato
      • Food Banks Wellington
      • Food Banks Christchurch
  • Motoring
    • Buying and Selling a Car
      • Car Valuations
      • Buying a Used Car
      • Selling a Car
      • Turners Cars Review
      • CarJam Review
      • CarJam vs MotorWeb Car Report Comparison
      • Top Cars that Hold Their Value
      • Vehicle Leasing
      • Car Registration in New Zealand
      • The Women's Guide to Buying a Car
    • Car Dealerships Explained
    • Everyday Driving
      • Costs of Owning a Car
      • 20 Ways to Make Driving Cheaper
      • Gaspy App Review
      • Parking Tickets
      • AA Membership Review
      • Best Car Batteries
      • Best Electric Cars
      • Buyer’s Guide for the 2023 Toyota Hilux
      • Buyer’s Guide for the 2023 Toyota RAV4
      • Buyer’s Guide for the 2023 Ford Ranger
    • Warrant of Fitness
      • Guide to Warrant of Fitness
      • Warrant of Fitness Auckland
      • Warrant of Fitness Hamilton
      • Warrant of Fitness Tauranga
      • Warrant of Fitness Lower Hutt
      • Warrant of Fitness Wellington
      • Warrant of Fitness Christchurch
      • Warrant of Fitness Dunedin
  • Law
    • Wills Guide
    • Separation Agreements
    • Prenuptial Agreements
    • Divorce Guide
    • Trusts Guide
    • Enduring Power of Attorney Guide
    • Living Wills Guide
    • Probate
    • Agreeable Review
    • Footprint Online Wills Review
    • Perpetual Guardian
  • Travel
    • Moving Overseas
      • Working Holiday Visas
      • Working Holiday Visas for 30+ Year-Old New Zealanders
      • Moving to Australia
      • Moving to London
    • Air New Zealand Specific
      • Air NZ Upgrade Guide
      • How to Redeem Air New Zealand Airpoints Dollars
      • Fastest Way To Earn Air NZ Status Points
      • Air New Zealand Koru Membership Review
      • Airpoints Flexipay Guide
      • Air New Zealand Travel Tips
      • Air New Zealand Refunds & Credits
    • Lounges, Upgrades, Car Hire & More
      • How to Get Access to Airport Lounges
      • Air New Zealand Skycouch Review
      • No Nonsense Upgrade Guide
      • Car Rental Hire
      • Auckland Airport Car Parking
    • Best of New Zealand
      • Auckland Travel for Less
      • 100+ Free Things to do in Auckland
      • Queenstown Like a Local
    • Hotels & Dining
      • Accor Plus Review
      • First Table Guide
      • Hotel Booking Sites Compared
    • Foreign Currency Exchange
      • Currency Converter
      • Australian Dollars Exchange Rate
      • American Dollars Exchange Rate
      • British Pound Exchange Rate
      • Canadian Dollars Exchange Rate
      • Euro Exchange Rate
      • Fijian Dollars Exchange Rate
      • Hong Kong Dollar Exchange Rate
      • Korean Won Exchange Rate
      • Indian Rupee Exchange Rate
      • Japanese Yen Exchange Rate
      • Malaysian Ringgit Exchange Rate
      • South African Rand Exchange Rate
      • Singapore Dollars Exchange Rate
      • Thai Baht Exchange Rate
      • Chinese Yuan Exchange Rate
  • Travel Insurance
    • Compare Travel Insurance
    • AMEX Airpoints Platinum Travel Insurance Review
    • Travel Insurance by Destination
      • Australia and the Pacifc
        • Australia Travel Insurance
        • Fiji Travel Insurance
        • Rarotonga Travel Insurance
      • Asia
        • Bali Travel Insurance
        • China Travel Insurance
        • India Travel Insurance
        • Japan Travel Insurance
        • Malaysia Travel Insurance
        • Singapore Travel Insurance
        • South Korea Travel Insurance
        • Thailand Travel Insurance
        • Vietnam Travel Insurance
      • Americas & Africa
        • Canada Travel Insurance
        • Peru Travel Insurance
        • South Africa Travel Insurance
        • USA Travel Insurance
      • Europe
        • France Travel Insurance
        • Greece Travel Insurance
        • Italy Travel Insurance
        • UK Travel Insurance
    • Specific Risk Cover
      • Do I Need Travel Insurance?
      • Pregnancy Travel Insurance
    • Travel Insurer Reviews
      • Southern Cross Travel Insurance Review
      • AMI Travel Insurance Review
      • State Travel Insurance Review
    • Essential Information
      • Basic vs Comprehensive Travel Insurance
      • Health Insurance vs Travel Insurance
      • ACC vs Travel Insurance
      • Australia NZ Reciprocal Health Care Agreement
      • Travel Insurance Excess Explained
      • Claiming on Travel Insurance
      • How to Renew a New Zealand Passport
      • What is TAANZ?
      • Travel Packing List
      • Travel Insurers Directory
      • Travel Insurance Glossary
  • Mobile & SIM
    • Compare Mobile Plans
    • SIM Only Mobile Plans
    • eSIM Plans
    • Apple Watch Buying Guide
    • Spark Mobile Review
    • 2degrees Mobile Review
    • One NZ Mobile Review
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  • Banking & Savings
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  • KiwiSaver
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  • Mobile & SIM
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  • Power
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  • Essential Money Tips
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    • Money & Relationships
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    • Valuable Insights
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  • Financial Independence
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  • Trade Services
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20 Tips to Cut Your Driving Costs - The Definitive New Zealand Guide

With petrol at record highs, save at least $1,000 a year by cutting the costs of owning a car - our comprehensive guide of tips and suggestions reveals all.
cut your driving costs
Updated 9 August 2024

​​Every year, you can easily spend thousands of dollars on driving. Even the most reliable small car still costs you with WOF, insurance, repairs, breakdown cover, parking, fuel, cleaning – it soon adds up.

This guide is published (and updated) to help Kiwis eliminate unnecessary spending on cars. When times are good, there’s less of a need to be careful, but even the most affluent household can make use of the suggestions below.

With our guide, we show you how you can save money on all of these items, reducing your vehicle costs significantly. Our car owner checklist has 20 easy-to-do tips to make driving cheaper while being safe. We believe that anyone who actions 3 to 7 suggestions from the list below could easily save $1,000 to $3,000 per year, and more if you compare car finance before agreeing to any deal.

Do you have a car-related money-saving tip that you’d like us to share? Email our research team to help improve this guide.
​Our tips include:
  • Use public transport as much as you can
  • Avoid premium unleaded for standard cars
  • Save on fuel your petrol bills by changing your driving
  • Get the best car insurance deal
  • Get regular savings on petrol
  • Look after your car during winter
  • Challenge parking tickets
  • Bargain down the price of tyres and repairs

MoneyHub Founder Christopher Walsh shares his views on saving money for anyone who owns a car:

"Petrol prices have always been high, but now with a general cost of living, the prices are arguably insufferable. My view is simple - if you don't need a second car, sell it. If you live in a main city, the government (both local and central) is arguably committed to improving public transport. Right now, that won't mean much, especially if it's not convenient. However, there are some quick wins.

As an Auckland resident, I comfortably rely on Auckland Transport for most of my work and general living needs. However, I still need a car. And of course, many Aucklanders won't find public buses and trains convenient and therefore rely on driving. If this is you, I feel your pain.

We've published this guide to help every New Zealander 'do more with less' and reduce the overall costs of driving. If you have additional tips, please let me know - we want to share as many as we can get".
MoneyHub Founder Christopher Walsh
Christopher Walsh
​MoneyHub Founder
Cut Driving Costs in New Zealand

Our Top Tips:

Cut Driving Costs in New Zealand

Get the cheapest car insurance - it's likely you are currently paying too much

Legally, a car does not need to be insured to drive in New Zealand, meaning car insurance is optional. But the risk to other people’s property makes it wise to insure yourself, as anything to do with cars and accidents is usually expensive and involves a lot of hassle without insurance. There are three types of car insurance, as outlined below:
  1. Third-Party – this covers you for damage you cause to another vehicle or property, as well as any passengers. But if you have an accident, your car is not insured, and you will need to pay for repairs yourself. If your car is stolen, catches fire or becomes a write-off, you’ll need to buy a new car. Third-party is best for cheap cars worth very little.
  2. Third-Party, Fire and Theft – this is standard third-party insurance, additionally covering fire and theft.
  3. Comprehensive – this is the most extensive car insurance, and it pretty much covers everything from accidental loss or damage to your car, key and lock replacement, fire damage, theft, damage to someone else's vehicle or property, repairs and personal liability protection (meaning if you injure someone, your insurance will take care of them). 
 
How do I get the cheapest insurance policy for my car?
  1. Our Car Insurance comparison guide explains the options for a range of cars and locations and provides a good start to understand what's available. 
  2. To get your own quotes, you just need to supply your date of birth, vehicle registration (or car details), your address/location as well as a couple of other minor details.
  3. Get quotes online with preferred insurance, and if the policy suits your needs, check if there are discounts available by calling directly. Most importantly, go through your policy and make sure you know what you are covered for, and what you are not covered for.​
Cut Driving Costs in New Zealand

Buying a used car? Our guide has you covered

Buying a car is really about what you need, not what you want, so be sure to get a car fit for purpose and work out your budget before you go for test drives and get carried away. Our guide to buying a used car covers all the important things you need to know to avoid trouble later on. Important need-to-knows are also listed, including:
  • You can go down the private sale route, or buy from a dealer - you're only protected if you bought your used car from a dealer. A private seller has no responsibility whatsoever. 
  • There are a lot of pre-purchase checks to do if you decide to buy privately - protecting yourself with thorough checks is the best way to minimise the risk of getting burnt. 
  • A lot of vehicles in New Zealand are imported from Japan, and you can get assurances by asking for the importation/export sheet which indicates its condition - many buyers don't know about this.​
Cut Driving Costs in New Zealand

Use a trusted WOF provider for a better chance of passing

The standard fee of a WOF ranges from around $45-$55 for cars. However, the biggest budget blowout comes from fixing the fails. The best WOF provider is often one without a garage, so there is no incentive to fail you and quote repairs. Do not be sucked in by “$20 WOF” offers – there's no money in that for the provider, so it's questionable why it is so cheap. Simple Google the name of your location and WOF, i.e. 'Albany WOF', and look for Google reviews that speak positively. 

More details:
Our WOF guide (and list of top WOF providers in cities around New Zealand) provides more details to help you save.
 
MoneyHub user Tim writes:
"I usually go to my local VTNZ and get a warrant first time on my Toyota. I strayed and went to a garage for no reason, and got an estimate of $800 for repairs. I then drove it over to the VTNZ and it passed. Be careful".
Cut Driving Costs in New Zealand
Cut Driving Costs in New Zealand

Make sure your licence hasn't expired

It sounds silly, but despite all the reminders from the NZTA, this can easily be overlooked. You can be instantly fined $400 if your driver's licence has expired. It costs around $45 to renew for 10 years, a fraction of the fine. Check your licence today, and schedule yourself a calendar reminder to renew.
Cut Driving Costs in New Zealand

Fight back on $60+ 'fines' from Wilson Parking etc

Parking 'fines' from supermarkets or other private car parks are not fines in a legal sense – they are invoices. Unlike speeding tickets or council-issued parking fines, privately-issued notices nothing more than invoices. And just because an invoice has been issued does not mean it needs to be paid. In summary, you have the legal right to counter-offer a 'fair' amount, i.e. the price of an hour's parking if you were an hour late, for example.

Our comprehensive guide to unfair parking tickets explains your rights and obligations, as well as providing a template to challenge any infringement notices you receive.
Cut Driving Costs in New Zealand

Don't buy premium fuels for standard cars

Petrol stations all over New Zealand sell a variety of premium unleaded and diesel fuels which cost 10 to 40 cents more per litre. For most cars, the premium fuels make no difference at all. Unless you have been advised by your vehicle manufacturer to use a specific premium fuel, stick with the regular ones and save.
Cut Driving Costs in New Zealand

​Save 30%+ on your fuel costs by adjusting the way you drive

A car is most efficient when it is cruising at a constant speed before naturally slowing down rather than breaking. With these simple tips, you can crush your fuel cost without going any slower on the road. Here are our hacks:
  • Accelerate gradually, avoiding going over 3000RPM. The harder you press on the accelerator, the more fuel you burn and the more you spend - gradual is best.
  • Drive in the highest gear possible for your speed level, i.e. get into fifth gear on the open road, fourth gear in the city. Lower gears make your car work harder, and it needs your fuel tank to do this.
  • Anticipate your movement and slow down naturally, avoiding sudden braking and therefore using the momentum of your car. You brake burns money that you paid to speed up your car.
  • Avoid air conditioning and use the windows where possible.
Cut Driving Costs in New Zealand
Cut Driving Costs in New Zealand

Avoid Tow-away and Clamping Zones 24/7, without exception

New Zealand doesn’t currently legislate against motorists being held to ransom if they park on private property. And when you think of antique dealers, you don’t think of clamping. But thanks to the previous predatory behaviour of one Auckland antiques dealer, clamping is higher up on the radar of motorists, at least in Auckland anyway. Still, there are three tips to avoid being caught out by this wild west area of the law:
  1. Don’t park in a retailer’s car park after hours if it says “clamping zone”, “tow-away zone” or anything similar – it’s not worth the risk
  2. Don’t overstay a warning – if it says “90-minute tow-away area” or “misuse of parking is clampable” then follow that. If you’re unsure, take photos of your car parked. This may be officious, but it will time stamp your car if there is any dispute later.

It’s easy to say “I’ll just be 2 minutes” but tow trucks never rest, and your car is money for this divisive industry. If you cannot find a park and the only spaces free are in tow-away parking or zones, wise drivers won't take the risk. Towing is unregulated and aggressive, and fees start at around $150 to get your car back. Plus the experience is stressful and involves a lot of hassle. If you can't find a park, consider a paid parking lot - for $1 or $2 you can be sure that your car is safe from clamping or being towed.
 
MoneyHub user Sasha writes:
"We were going out and parked in a tow-away zone, the driver adamant it would be fine. Later that night we returned to find no car. A lot of time was wasted getting it back, and we felt responsible to share the financial burden even if it wasn’t our fault or our car. Never again!"
Cut Driving Costs in New Zealand

Challenge your council-issued parking tickets if they are unreasonable

Just because the council issued you a parking fine doesn't mean they don't make mistakes. While the infringements usually range from $15 to $40, if you don't believe you were at fault or the fine was a mistake, contact the issuer and send an email or letter outlining your points.  
​
MoneyHub user Chris writes:
"I parked on a street being re-marked near Otago University. Upon returning, I had a ticket for parking against the direction of traffic, but the direction wasn’t obvious to me as many cars were front and rear-facing. I wrote in and complained, and the Dunedin City Council cancelled the ticket and supplied another reason as to why I didn’t need to pay – score! It pays to appeal".
Cut Driving Costs in New Zealand

Fix common fails before you go for your WOF

Lights, suspension and handbrake issues frequently fail cars during their WOF. Our guide below explains quickly fixes you can anticipate before getting your WOF.
  1. Lights – are they 100% working? Check every light, front, rear, headlights, dipped, hazard and indicators. If a bulb is out, you can easily buy and replace them from Repco etc for less than $10.
  2. Suspension – while you can’t do a full test without equipment, we recommend to apply weight to each corner of your vehicle and release it – it should bounce back, but if not, you may have a suspension problem.
  3. Handbrake – this must-have tension and not be loose or lack effectiveness. If it doesn’t feel responsive, then you will need a mechanic. ​

More details: Warrant of Fitness - The New Zealand Guide

Cut Driving Costs in New Zealand
Cut Driving Costs in New Zealand

Negotiate the cost of tyres

If your car needs new tyres, shop around to save. Quotes vary significantly, and you can save $100+ by calling a few garages and tyre companies. If you're buying two or more, you have more bargaining power. The best deal will include your tyres being fitted, tracked and balanced. Our guide to buying tyres has more details.
Cut Driving Costs in New Zealand

​Winter-Proof your car to keep it in the best condition

Your car is more likely to break down in winter, and New Zealand winters can be vicious. We have five tips to ensure safe driving this winter:
  1. Purchase anti-freeze and a screen-scraper - anti-freeze prevents your car’s coolant from freezing so your engine won’t stop, and a screen-scraper clears your windscreen.
  2. Test your lights regularly – making sure your lights work in fog, heavy rain and general bad New Zealand weather is important.
  3. Check your tyres – having at least 3mm of tread (as suggested by the AA) is recommended.
  4. Stock your car with must-haves – a breakdown is easier and safer with a torch (with spare batteries), a first aid kit, a spare mobile phone charger and jumper leads. If you drive remotely, pack a warm blanket in the car.
  5. Check your battery – the most common reason for a break down in winter is a dead battery. Keep it charged, and replace it if necessary.​
Cut Driving Costs in New Zealand

Slash fuel costs by clearing out your car

Petrol prices are a painful reality for any New Zealand motorist, where filling up can cost up to $100. We’ve listed a few tips to cut the cost of your visit to the petrol pump, with an estimated % efficiency on petrol use.
 
Tip 1: Keep tyres properly inflated
  • Efficiency improvement: Up to 4%
  • Low tyre pressure means your engine needs to work harder to power your car, using more fuel. Make sure your tyre pressure is optimal at the petrol station – it’s free and worth doing every 1-3 months.

Tip 2: Drive at 30-50km/hour and avoid heavy breaking
  • Efficiency improvement: Up to 3%
 
Tip 3: Remove roof racks
  • Efficiency improvement: Up to 10%.
  • Roof racks are not aerodynamic – they cause a lot of drag and churn petrol in the process. They may look sporty, but they blow out your fuel bill. If you don’t use it, remove it.

Tip 4: Switch off the air conditioning at low speeds
  • Efficiency improvement: Up to 10%.
  • Running air conditioning burns petrol, so if you’re driving around town turn it off unless you really need it. At 100km/hour it is more efficient as opening windows causes drag and slows your car down.

Tip 5: Don't fill your car up 100%
  • Efficiency improvement: Up to 1%.
  • Your petrol tank is likely to be around 50 litres, and fuel is heavy. A full tank adds a lot of extra weight. If you’re using your car as a run-around, fulling up half-full will make it more efficient to run.

Tip 6: Declutter your car efficiency improvement:
  • Up to 2%.
  • The less your car weighs, the less fuel it needs to run. Get rid of everything you don’t need in the boot – sports equipment, junk, tools etc, and clean out the glove box and under the seats. It makes a big difference.
Cut Driving Costs in New Zealand

Avoid massively overpaying on rental cars within New Zealand

New Zealand has tens of thousands of rental cars available at any one time, and prices are very competitive. To get the best deal, run your dates through an international price comparison website like Kayak. You change the currency to NZD, and the deals will often be better than local New Zealand websites. You may also be able to save more by shortlisting a couple of providers and contacting them directly, asking them to beat their online rate. Many do, as selling direct avoids paying a commission. 

More details: Visit our guide to rental cars.

As MoneyHub user David writes:
"I used Kayak to find a company in Queenstown called 'Hitch' which was offering a Mazda Demio for $30 a day. I looked on their website and saw they had a promo code which took the price down to $22. Over two weeks I saved over $100 on a very good deal anyway". 
Cut Driving Costs in New Zealand

Understand supermarket promotions - and make sure they give you a deal

Supermarkets advertise a lot of petrol promotions, and many have the convenience of having pumps in or near their car park. The savings are not huge, but they can add up. 

​Current promotions include:
  • Supermarket dockets (New World, Pak'nSave and Countdown): This ranges between 4c and 6c discount per litre, which you can use at a number of different petrol companies. 
  • AA Smartfuel - available at BP or Caltex, with a 6c discount per litre if you spend more than $40, and in-store discounts such as Mitre 10 as well. 
  • FlyBuys - available at Z, with a 6c discount per litre
  • Farmlands - available at Z, Caltex or Challenge, with up to 12c discount per litre (paid as a rebate on your Farmlands account)
Cut Driving Costs in New Zealand

​Slash city parking costs by renting your own space

If you're commuting into the CBD of your city every morning and need to use your car, daily 'early bird' deals can still add up. If you’re a regular commuter to a city centre and don’t get free parking with your work, renting a car park space could save you hundreds of dollars a year. To find out how much it will cost for the one closest to you, contact the owner directly. It may seem like a lot of money to spend, but daily parking is a lot more expensive by comparison.

For example:
  • Albert Street Auckland daily early bird parking: $19/day
  • Monthly pass: $300
  • Saving (if used 45 weeks of the year, Monday to Friday): ~$850 ​
Cut Driving Costs in New Zealand
Cut Driving Costs in New Zealand

​Buying a car? Cut the cost of car finance

Car finance can be very good value, or very expensive. Our guide to car finance includes a number of tips when you buy a car. It also includes the major lenders available throughout New Zealand, their fees and their interest rates. 

The best way to save money on car finance is to follow these tips:
  1. Get car financing agreed in principle BEFORE you starting looking for a car – you’ll save the most on fees and interest costs and know exactly what your budget is. You can also negotiate the price you pay like a cash buyer - it makes everything easier.  
  2. Without question, the WORST place to get financing is at a car dealership just after you’ve decided on a car. You have no bargaining power, nor will you be familiar with other options in the market.
  3. The cheapest interest rate deals will be on secured loans – this means the lender has a right to sell your car if you can’t make the repayments (exactly like a bank can sell a house if the mortgage isn’t repaid). 
  4. To pay the least amount in car financing, you’ll need the lowest interest rate, lowest application fees and the shortest term with the most frequent repayments (i.e. weekly vs monthly). i.e. If your loan is $10,000 and your interest rate is 15%, you’ll pay $4,000+ in interest if you pay it back over 5 years, but only $1,600 if you pay it back in 2 years.
  5. Most car loans are up to 5 years in length. Early repayment will slash the interest costs, but check the lender’s fees and charges to know how much that will cost.
  6. Avoid adding a car loan to your mortgage if you can help it – you’ll pay interest on the amount for a lot longer which costs you more in the long run. For example, a $10,000 loan at 4.50% over 25 years is much more costly than a $10,000 at 12.95% over three years.
  7. Missing repayments is costly – lenders charge $25+ for each missed payment, so prioritise your repayments.  
  8. See our cheapest car finance and loan tables to pick from the best deals currently available - and visit our personal loans guide to compare the best deals available.​
Cut Driving Costs in New Zealand

Embrace public transport and save big

Public transport networks are improving all around New Zealand as the population grows and councils look to slow the numbers of cars on the road. In Auckland, public transport has never been better. 

​Local Travel
  • Monthly bus and train passes beat per-journey: Auckland overs passes from around $215/month, with other cities offering even cheaper transport.
  • If you’re over 65, you qualify for the SuperGold Card which you can use to get free off-peak travel on local transport around New Zealand.

City to City Travel
  • Overseas visitors travel around New Zealand cheaply so there’s no reason you can’t either. If you’re going city to city, there are a few options to avoid car use, but you’ll need to book early to point to save the most.
  • Companies like InterCity offer long-distance journeys for as low as $20 which can be much cheaper than driving, especially if you're staying with friends or family at your destination and won't need a car.
  • Alternatively, you can fly for as low as $39 between Auckland and Wellington – read our Air New Zealand tips and learn how to save 75%+ on domestic airfares.
Cut Driving Costs in New Zealand

​Save on Airport Parking

Airport parking in New Zealand ranges from free to $200+ a week, but what you will pay depends on how you book your parking and what airport you fly from. If you park at Auckland, Wellington, Christchurch or Queenstown airport without prior arrangement, you may face sky-high prices. Checking online BEFORE you go to the airport is a smart way to save upfront and have the security of knowing you won't be stung. Airports currently offering a range of parking options include:
  • Auckland airport
  • Wellington airport
  • Christchurch airport
  • Queenstown airport
​
Related guide: Our extensive guide to Auckland Airport car parking compares the best deals currently available.
Cut Driving Costs in New Zealand

​Make a decision to stop driving and sell your car

If you’re struggling with the costs of driving, selling your car altogether is worth considering. Or, if your family has two cars, would you be OK with one? When you sell a car, you’ll not only get a sum of money, but you’ll save a lot of ongoing costs. There will be no more WOF, repairs costs, insurance and petrol station bills. If you’re a young family and one parent is commuting by public transport anyway, it’s worth looking into. Retired couples may also benefit from single car ownership.

​Trade Me Motors is a great starting point to find out the value of your car, and see if it makes financial sense to sell up.

Related Guides:
  • Buying a Used Car
  • Car Valuations
  • Best Electric Cars
  • Parking Tickets
  • Selling a Car
  • Top Cars that Hold Their Value
  • AA Membership Review
  • Vehicle Leasing
  • Warrant of Fitness Guide - Auckland, Hamilton, Tauranga, Lower Hutt, Wellington, Christchurch and Dunedin
  • Mechanics in Auckland, Hamilton, Tauranga, Lower Hutt, Wellington, Christchurch and Dunedin
  • Car Finance
  • Car Insurance
  • Car Finance and Repayment Calculator
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  • Loans & Finance
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  • Credit Cards
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    • Reviews
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        • Where is AMEX Accepted?
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        • Qantas Credit Cards
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    • Travel Money By Country
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  • Banking & Savings
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    • Savings
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  • Mortgages
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    • Mortgage Brokers
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      • LifeDirect Mortgages Review
    • Buying a Home
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  • KiwiSaver
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  • Business
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    • For Startups
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  • MSD
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  • Motoring
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    • Car Dealerships Explained
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    • Warrant of Fitness
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  • Law
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  • Travel
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    • Air New Zealand Specific
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    • Lounges, Upgrades, Car Hire & More
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    • Best of New Zealand
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    • Foreign Currency Exchange
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  • Travel Insurance
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      • Australia and the Pacifc
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      • Americas & Africa
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    • Essential Information
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      • How to Renew a New Zealand Passport
      • What is TAANZ?
      • Travel Packing List
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  • Mobile & SIM
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    • Apple Watch Buying Guide
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    • Best iPhone Plans
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  • Broadband
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    • Internet Speed Test
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      • Skinny Review
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      • Starlink Review
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  • Power
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    • Fixed Contracts vs Open Power Plans – What You Need to Know
    • Electric Vehicle Power Plans
    • How to Use Less Power
    • Power Companies
      • Contact Energy Review
      • Ecotricity Review
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      • Nova Energy Review
      • Powershop Review
      • Z Energy Power Review
  • Essential Money Tips
    • Must-Read Lists & Tips
      • 10 Things to Do Differently with Money in 2025
      • 10 Signs You’re in Financial Danger
      • 20 Indicators You're Doing Well Financially
      • 20 Things to Stop Buying to Have More Money
      • 20 Must-Know Money Lessons (Learned From Experience)
      • 20 Frugal Decisions That Often Backfire
      • 20 Money Habits that Keep You Poor
      • 20 Supermarket Ripoffs
      • 20 Ways to Save on Household Bills
      • 10 Hidden and Exorbitant Costs of Living in New Zealand
      • 10 Simple Financial Steps with Massive Future Payoffs
    • Money & Relationships
      • Bailing Out Your Partner Financially
      • Financial Red Flags in a Relationship
      • Don’t Let Supporting Your Adult Children Ruin Your Retirement
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
    • Money & Family
      • Teaching Kids About Money
      • Single Parenting and Money
      • Tips for Families on a Single Income
      • Financial Planning for Children With Disabilities
    • Valuable Insights
      • Why Am I Not Wealthy?
      • Can the Average New Zealander Become a Millionaire?
      • Money Habits Keeping You in the Rat Race
      • 15 Great Things New Zealanders Can be Optimistic About
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      • Stealth Wealth
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      • Average NZ Salary by Age
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      • Dental Costs
      • Charities in New Zealand
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    • Challenging Economic Conditions
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      • How to Protect Your Finances from Inflation
      • Impacts of Inflation in New Zealand
      • Layoffs, Redundancies and Restructures - Your Rights and Next Steps
      • Graduating Without a Job
      • Should I Stop Contributing to KiwiSaver?
  • Financial Independence
    • FIRE Guides
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      • How to Retire Early
      • FIRE Explained
      • The Four Percent Rule
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      • Five Types of FIRE Plans
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      • FIRE and NZ Real Estate
    • FIRE Tools
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      • SortMe Review
    • Repaying Debt
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      • CAP (Christians Against Poverty) Review
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      • Getting into Debt to Meet Short Term Living Costs
      • Bankruptcy Guide
    • Tax
      • Beginner's Guide to Tax
      • Salary Sacrifice in New Zealand
      • Tax Bracket Creep
      • Choosing an Accountant
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  • Life Essentials
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      • Make Money Online
      • Paid Survey Websites Review
        • Ipsos iSay Review
        • Nielsen Homescan Review
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        • Valued Opinions Review
        • Opinion World Review
        • Triaba New Zealand Review
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      • Free Samples
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      • Hosting International Students
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    • Kids Eat Free
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    • Meal Kits & Supermarkets
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      • HelloFresh Review
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      • Online Supermarkets
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      • Supermarket Christmas Clubs
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    • Entertainment
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      • Disney+ Review
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    • Consumer Rights
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      • Tenant and Landlord Obligations & Rights
    • School Holiday Activities
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    • Shopping Resources
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    • Living Essentials
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