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
      • 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
      • ANZ vs AMEX vs Kiwibank 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
    • Kiwi Mobile Review
    • Mobile Data Roaming
    • Saily Review
    • Best iPhone Plans
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Hosting International Students (Homestay/Boarding) – The Definitive New Zealand Guide

Understand the pros and cons of hosting international students; we explain how to become a host, what to expect, the money involved, must-know tips and facts and frequently asked questions.
Hosting International Students NZ
Updated 4 August 2023

Summary:
  • One of the main ways to create an additional revenue stream from an existing asset (i.e. your home) is to host international students through homestays or boarding. Families, couples and singles all over New Zealand have a long history of hosting students from around the world.
  • We estimate there's likely to be 8,000+ international students attending 350+ high schools around New Zealand.
  • With the borders open and international student coming back in since 2022, hosting is an excellent way to experience different cultures, support the New Zealand education system/economy, and earn extra income.
  • The amount you’ll earn ranges, but $250 to $300+ per week is a reasonable range.
  • However, the process, rules and regulations around tenancies, private boarding and hosting international students can be confusing and complicated. We have published this guide to make sense of the different options, what you can earn and the tax obligations you may face.

Our guide covers:
  • Understanding the Legal Background (Boarding vs Renting a Property and the Different Types of Hosting/Housing Agreements)
  • How Can I Become a Host for International Students in New Zealand? Do I Need Qualifications?
  • Estimated Income and Costs When Hosting international Students
  • Must-Know Tips When Preparing to Host International Students
  • Must-Know Facts about Hosting International Students in New Zealand
  • Frequently Asked Questions

Know This First: What taxes do I pay on the money I generate for hosting international students?
  • As a rule of thumb, the money you get for hosting international students will be considered income and must be disclosed in your yearly IRD tax return. The amount of tax you pay on the money you generate for hosting international students in New Zealand depends on a few factors, including the number of students you host, the amount of rent you charge, and your total household income.
  • The IRD has specifically written out guidance on tax treatment for Kiwis hosting private boarders or home-stay students. If your income from homestay students or boarders is higher than your total costs to service those boarders/students, you’ll need to pay tax on this difference.
  • The IRD has a standard cost method that you can use to calculate your taxable rental income from hosting international students. The standard cost method takes into account the cost of food, utilities, and cleaning, as well as the cost of providing accommodation to the students.
  • If you’re still unsure about how much tax you need to pay on homestay/boarding, the IRD have created a guide to tax responsibilities when it comes to boarders and international students.
  • Note that the tax treatment on private boarders or home-stay students is different compared to that of flatmates or short-term renting out of one of your rooms. Check out the IRD’s guidance that distinguishes between these three types.
  • More details: Please visit the IRD guide to rental income and IRD’s guidance on renting out a room in your main home

MoneyHub Founder Christopher Walsh shares his views and experience of hosting international students:

"My experience with hosting is admittedly limited. My only real exposure was when my parents hosted a Japanese high school student during his two-week class trip when I was in Year 10. It was a rewarding experience, albeit tiring. If you're considering opening your home, understand that it could be more work than it initially seems. It's essential to embark on this journey for the right reasons".

"Hosting a student for an entire school year is a massive responsibility, not something to rush into lightly. Balancing your existing commitments with providing an enjoyable experience for your guest can be challenging. If their English isn't fluent, you'll need to speak slowly, possibly explain things multiple times, and be patient – all of which can be draining on your time and energy".

"To be a successful host, genuine interest in foreign cultures is crucial. If you're in it solely for money, your homestay experience may lack authenticity, and you risk getting frustrated. Inviting a student into your home is a big responsibility and must be approached with care. Even though you could easily earn $10,000 a year in hosting fees, the costs can mount when considering food, utilities, and activities".

"So, if you're considering hosting, do it for the right reasons. Be enthused by the prospect of cultural exchange, learning, and the enriching experiences that it promises, rather than just the automated payment that follows."
Picture
Christopher Walsh
MoneyHub Founder


Hosting International Students - Renting vs Boarding Legal Framework NZ

Understanding the Legal Background – Boarding vs Renting a Property and the Different Types of Hosting/Housing Agreements

In New Zealand, tenancies are regulated by the Residential Tenancies Act 1986, which outlines the rights and responsibilities of both landlords and tenants. There are four key tenancies regulated by the Residential Tenancies Act 1986 (as set out by Tenancy Services):
  1. Fixed Term (Periodic) Tenancy
  2. Boarding (houses) tenancy
  3. Service tenancy
  4. Build to rent tenancy

Of the four types of tenancies above, Fixed Term/Periodic and Boarding are the most common in New Zealand. Specifically, the three main types of hosting/housing agreements as set out by the New Zealand Government (Tenancy Services) are:
  1. A Boarding House Agreement (AKA Boarding - covered by legislation)
  2. A Residential Tenancy Agreement (AKA Renting - covered by legislation)
  3. A Flat or House Sharing Agreement (AKA Flatting - NOT covered by legislation)

How do private board arrangements differ from residential tenancies?

If the property has less than six tenants/boarders, the agreement will NOT fall under the Residential Tenancies Act (RTA). If the property has rooms for six or more tenants, and the proposed tenancies are for at least 28 days, your agreement will fall under the Residential Tenancies Act, meaning you’ll have certain obligations to meet. Given most New Zealanders won’t be housing more than a couple of international students (at most), the legislation does not apply.
​
Tenancy Services has a specific flatting page for standard private flatting agreements to assist Kiwis in considering private flatting arrangements. For example, under a private boarding arrangement, you'll need to negotiate and agree with the individual(s) that you're setting up the flatting agreement with on key discussion points such as:
  • Food and beverages.
  • Internet and power.
  • Minimum notice period to end the private flatting arrangement.
  • Cleaning protocols.
  • Bond (the amount of money you need to pay upfront as security for flatting).

Know This:
Given that as a homestay host you're effectively creating a private contract between yourself as the landlord and the person (or people) living/flatting with you, whatever you agree will go into the contract and will be the rules you'll all need to follow. Generally, if you're choosing to host an international student (homestay), your agreement will likely fall under the "Flat or House Sharing Agreement" bucket and not be covered by the legislation.

What's the main difference between a standard and boarding tenancy in New Zealand?
  • Boarding houses and standard tenancies share many of the same requirements but are distinctly different. The main difference between standard and boarding tenancy is the living arrangement and the level of services the landlord provides.
  • A standard tenancy typically involves renting an entire property without additional services (such as food, internet and cleaning). In contrast, a boarding tenancy generally involves renting a room within a shared property where the landlord provides additional services such as meals, cleaning, or laundry. Some homestays will call their agreement a "boarding tenancy" (although they may not fall under the formal "Boarding House Agreement" tenancy that the Residential Tenancies Act defines). 

How Can I Become a Host for International Students in New Zealand?

How Can I Become a Host for International Students in New Zealand? Do I Need Qualifications?

To become a host for international students in New Zealand, you will need to register with a reputable homestay provider or educational institution. There are options all over New Zealand - some examples of providers or educational institutions offering homestay agreements include:

New Zealand Schools
  • Auckland Grammar School - Homestay Host
  • Wintec - Becoming a Homestay Host
  • ACG Schools - Homestays
  • Green Bay High School - Homestay & Accommodation
  • Scots College - Become a Homestay Family
  • Westlake Girls High School - Homestay Options
  • Kristin School - Accommodation

Important: This is a shortlist - 100+ schools around New Zealand have international students enrolled and will likely always be looking for hosts.

Homestay Organisations in New Zealand
  • Host Families NZ
  • Happy Homestay
  • New Zealand Homestay
 
Know This: School homestay programmes often exist for private schools and state schools. Depending on where you live, one of the best ways to find a homestay programme is to research your local high schools and see whether they need hosts. You don’t need to have children at the school to be considered (in most cases, but not always, so you'll need to check before applying).

Qualifications aren't required to become a host, but you'll need to meet certain criteria, such as having a clean and safe home, a spare room for the student, and a willingness to provide a supportive environment. Homestay providers will conduct a home inspection and background check to ensure you can host international students.

How is hosting international students different from private boarding?

  • Hosting international students and private boarding is similar in accommodating individuals not part of the host family.
  • Hosting differs from private boarding because it involves more than providing accommodation. As a host, you are responsible for the well-being of your students, including providing meals, transportation, and emotional support. However, there are several key differences between the two arrangements:
 
Purpose
Hosting international students primarily focuses on cultural exchange and providing a supportive environment for students studying abroad. The goal is to help students immerse themselves in the local culture, improve their language skills, and better understand the host country. Private boarding, on the other hand, is a more general accommodation arrangement that may not necessarily involve international students or cultural exchange.
 
Duration of stay
Hosting international students typically involves shorter stays, ranging from a few weeks to several months or a year, depending on the student's academic program. Private boarding may involve more long-term arrangements with no specific time limit.
 
Support and involvement

Host families are expected to be actively involved in the student's experience by providing emotional support, guidance, and assistance in adjusting to the new environment. In private boarding, the level of support and involvement may vary and can be more limited, with the focus primarily on providing accommodation.
 
Compensation
Host families generally receive financial compensation to cover the cost of meals, power, internet etc, and accommodation. In private boarding, the boarder usually pays rent for their room and may be responsible for their own meals and utilities.
 
Regulations and oversight
Hosting international students is often regulated and overseen by homestay agencies or educational institutions, with specific requirements and guidelines to ensure a positive experience for both host families and students. Private boarding arrangements may not have the same level of oversight or regulation, as they are often more informal agreements between the homeowner and the boarder.

What are the benefits and drawbacks of hosting international students in New Zealand?
By hosting international students, Kiwis can share their culture and hospitality with people worldwide. It's a great way to learn about different cultures and customs, improve language skills, and gain a new perspective on life. Hosting can also be a rewarding experience, as hosts have the chance to make new friends and expand their horizons. Additionally, hosting international students has the added benefit of generating income from a room within a house that may not otherwise be rented out.
​
However, while hosting international students has many benefits, there are also some drawbacks. As a host to an international student, you'll ultimately have the responsibility of providing care and support for the student, maintaining a clean and safe home environment and dealing with any communication difficulties that may arise. 

Estimated Income and Costs When Hosting international Students in NZ

Estimated Income and Costs When Hosting international Students

It will vary heavily on the area or city you live in, the quality/decile of the school, the average rent rate for your area, demand to live in the specific school zone and the type of room/homestay environment you’re offering. Generally, boarding or homestay for private schools or higher decile areas will garner higher incomes compared to public or lower decile areas. Additionally, the number of students your host will also impact how much income you can bring in. 

As a rule of thumb, you can expect to earn between
$250 and $300 per week per student. As an example, Kristin College charges $340 per week for international students looking to stay in homestay accommodation. Assuming a portion of this $340 goes to Kristin College to facilitate, the homestay provider is likely to get c. $300 per week in income for hosting an international student. 

What are the typical expenses I’ll need to pay when hosting international students?

Again, the typical expenses you’ll need to pay when hosting international students will vary heavily. However, you can expect to spend between $50 and $100 per week per student on a variety of expenses such as food, power and broadband, cleaning, laundry, entertainment (such as taking them to events, extracurricular activities or language lessons), transportation (such as public transport or Uber fares).

Is it profitable to host international students?
Whether or not it’s profitable to host international students depends on a number of factors, including the amount of income you’ll likely generate and the expenses you incur for each student. A few key things to consider when hosting international students include:
  • The amount of time and effort you are willing to put into hosting students.
  • Your ability to provide a comfortable and welcoming home for students.
  • Your willingness to share your home with students from different cultures.

Important:
The biggest thing to note is that while on the surface it may seem like a great idea to host international students, there is a significant non-monetary responsibility to hosting international students. The time, effort and mental effort it takes to host someone in your home is not to be taken lightly. Additionally, any idea of the $ amount of expenses you think it will cost to homestay is likely to be understated (due to any unexpected expenses or events that may arise).   


However, generally if you’ve got a spare room or you’re already covering some of the costs of running a home (like utilities, food, etc.) the cost to service another person is likely not as high as you’d think - meaning most homestays are profitable in New Zealand.

Must-Know Tips When Preparing to Host International Students NZ

Must-Know Tips When Preparing to Host International Students

Hosting international students for the first time can be a stressful and daunting process, especially if you've never hosted people outside of your family before. We outline the top considerations you should prepare for to stay ahead and ensure a smooth start:

Preparing Your Home
Before your student arrives in New Zealand, it's essential to prepare your home to ensure it's safe and comfortable. This preparation includes providing a clean and tidy room with adequate storage space, access to a desk or study area, and a comfortable bed. Additionally, ensure your house's common areas are welcoming and inviting.

Establishing Clear Expectations
Having a clear set of guidelines from the outset will help create a positive living environment for you, your family and your student. Set clear house rules, including curfews, chores, use of shared spaces, and any expectations regarding school attendance.

Communicating Effectively
Establishing open and honest communication is crucial to creating a comfortable living situation for everyone. Check in regularly with your student to discuss any concerns or challenges they may face (whether at school or personally). Ensure they feel comfortable approaching you with questions or problems. It's also important to be sensitive to cultural differences that may impact communication styles.

Encouraging Cultural Exchange
One of the most valuable aspects of hosting an international student is learning about their culture and sharing your own. Encourage your student to talk about their traditions, customs, and experiences, and in return, share your own Kiwi cultural heritage.

Encouraging Social Interaction
Your student may not have an extensive network in New Zealand. Try to help your student build a social network by introducing them to friends, family, neighbours and locals. Encourage them to join clubs or organisations and invite them to participate in family outings and social events. This will help them feel more connected and engaged in their new surroundings.

Addressing Homesickness
Homesickness is a natural part of the adjustment process for many international students. Be understanding and empathetic, offering a listening ear and support when needed. Encourage them to stay in touch with their family and friends back home, and help them find ways to connect with their culture in your local community.

Must-Know Facts about Hosting International Students in New Zealand

Must-Know Facts about Hosting International Students in New Zealand

1. Know your obligations under the school or company homestay agreement (if applicable).
  • If you're hosting international students through an agreement with a homestay provider or educational institution, ensure you fully read the terms and conditions of the homestay agreement.
  • For example, specific provisions may relate to the level of accommodation, minimum responsibilities for providing meals or packed lunches, transportation to and from school or other activities, and emotional support. Failure to provide these essentials as set out in the homestay agreement can result in penalties or recourse by the educational institution or homestay provider.

2. Try and empathise with the student you’re hosting.
  • Remember that your host student has likely undertaken the biggest shock of their life by moving to a foreign country that may speak a foreign language.
  • In addition, they likely don't know many people in New Zealand and are probably still trying to establish a sense of identity. This can be incredibly stressful for the host student, so be supportive and understanding.

3. Some homestay applications will have far more rigorous application processes than others.
  • Each homestay application process will vary depending on the school. However, some schools will put far more scrutiny on the quality of the homestay host than others. Some common additional hurdles that homestay families will need to get over include the following:
  1. Character assessments/references.
  2. Police checks or clearances.
  3. Whether the homestay family has a child also attending the school (to provide additional support to the student).
  4. Whether the homestay family has any pets, dietary restrictions or other household nuances.
 
More details:
  • Tenant and Landlord Obligations & Rights for Rental Property - The Definitive New Zealand Guide.
  • Finding a Rental in Auckland - The Definitive Guide to Securing a Home.
  • Renting a Home Directly to Tenants vs Using an Agent - The Definitive Guide for New Zealand Property Investors.
  • Landlord Insurance
  • Tenancy Services New Zealand - Flatting.
  • Tenancy Services New Zealand - Tenancy Agreements.
  • Tenancy Services New Zealand - Boarding Houses.

Hosting International Students Frequently Asked Questions NZ

Frequently Asked Questions

If you have any questions specific to hosting, please ask the school or organisation you plan to work with as standards and requirements vary. Our list of questions below are general in nature.

I’ve heard horror stories of awful hosts treating their students badly. I’ve also heard of hosts having awful experiences with international students due to cultural differences. What can I do to avoid both of these scenarios?

​While it's impossible to guarantee that you'll avoid the scenarios above, the best thing to do if you want to become a quality homestay host is to ensure that you pick a high-quality homestay provider/school and ensure you're communicating with the student and the provider as much as possible. So often, disagreements or poor treatment happen due to miscommunication (especially when the student doesn't speak the language of the homestay family). The school you work with has a dedicated team to manage resolve such issues if and when they arise. 

Can I choose the nationality of the student I host? Is it rude to not ask for students of certain nationalities?

Homestay providers will ask for your preferences but cannot guarantee that you will host a student from a specific country. Generally, homestay students will be from a foreign country and might not speak English as their first language. Knowing this beforehand can help to set expectations right. 

How much can I expect to make by hosting international students?

Generally, hosts receive a weekly payment for providing accommodation and support for their students. The payment amount varies depending on the school, duration, provider and level of ancillary services (such as food, cleaning, activities, obligations etc.)but can range from $200 to $350 per week.

Why do international students choose to do homestay?

Choosing a homestay in New Zealand is ideal for first-time visitors to New Zealand who want the warmth of a home environment, coupled with the advantage of having hosts ready to offer guidance on things like culture, experiences or sightseeing and transportation.

Homestays get provided with access to all household amenities alongside the host family, including bathroom facilities. In addition, homestays get a deeper immersion in Kiwi culture by joining the family for meals. Generally, homestay hosts are inherently friendly, meaning international students get far more quality time with Kiwis outside of traditional schooling.
​
Homestays are also a lot cheaper than private renting – many international students and their families don’t have the means to pay expensive living costs after paying international school fees, so a homestay is a cost-effective option that also provides security while studying. 

What types of students can I host through homestay?

​You can host all types of students. There aren't any restrictions on the type of student you can host. However, check the homestay agreement you sign with either the education or homestay provider. Some providers specialise in hosting high school students, while others focus on hosting university students. Additionally, some providers offer cultural exchange programs, where Kiwis can host international students from a specific country or cultural background. 

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  • Credit Cards
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    • Reviews
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        • Where is AMEX Accepted?
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        • American Express Platinum Card Review
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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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      • LifeDirect Mortgages Review
    • Buying a Home
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  • KiwiSaver
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  • MSD
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  • Motoring
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    • Warrant of Fitness
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  • Law
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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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      • Americas & Africa
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    • Specific Risk Cover
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    • Essential Information
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      • How to Renew a New Zealand Passport
      • What is TAANZ?
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  • Mobile & SIM
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  • Broadband
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    • Internet Speed Test
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  • Power
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    • Electric Vehicle Power Plans
    • How to Use Less Power
    • Power Companies
      • Contact Energy Review
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      • Powershop Review
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  • Essential Money Tips
    • Must-Read Lists & Tips
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      • 10 Signs You’re in Financial Danger
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      • 20 Frugal Decisions That Often Backfire
      • 20 Money Habits that Keep You Poor
      • 20 Supermarket Ripoffs
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      • 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
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      • Tips for Families on a Single Income
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    • Valuable Insights
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      • Money Habits Keeping You in the Rat Race
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      • Stealth Wealth
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      • Dental Costs
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    • Challenging Economic Conditions
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      • 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
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      • The Four Percent Rule
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    • FIRE Tools
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      • SortMe Review
    • Repaying Debt
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      • Getting into Debt to Meet Short Term Living Costs
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    • Tax
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      • Salary Sacrifice in New Zealand
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  • Life Essentials
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      • Free Samples
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    • Kids Eat Free
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      • HelloFresh Review
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    • Entertainment
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    • Consumer Rights
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    • Shopping Resources
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    • Living Essentials
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    • Wedding Resources
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    • Home & Kitchen
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      • Best Computer Desks
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      • Blinds, Curtains and Drapes Auckland
    • Health & Personal Care
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  • Trade Services
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