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
        • Kernel Shares & ETF Investing 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 101
        • 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
        • Shares vs Property Investment
        • 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
        • 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 Hamilton
          • Financial Advisers Tauranga
          • Financial Advisers Napier & Hastings
          • Financial Advisers Palmerston North
          • Financial Advisers Wellington
          • Financial Advisers Lower Hutt & Hutt Valley
          • Financial Advisers Nelson & Tasman
          • Financial Advisers Christchurch
          • Financial Advisers Dunedin
          • Lighthouse Financial Services Review
        • Bank Credit Ratings
        • Depositor Compensation Scheme (DCS) Explained
        • 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
        • What Am I Entitled to If My UK Pension Scheme or Provider Makes a Mistake?
        • Returning to the UK from NZ
        • Spending Your Savings in Retirement
        • How to Take Income from Investments
        • 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
      • Money Sweetspot 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
        • Cove Car Insurance - Real Customer Reviews & Facts
        • 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
      • Open a USD 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
      • Interest Rate Predictions 2025
      • 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
      • 20 Property Investment Risks You Can't Ignore
      • Renting Directly to Tenants vs Using an Agent
      • Interest Deductibility Changes
    • Building a House
      • NZCB Review
      • 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
      • Our Favourite KiwiSaver Funds
      • Best Performing KiwiSaver Funds
      • Milford vs ANZ KiwiSaver Growth Funds Comparison
      • Free $500+ Government Money for KiwiSaver
      • 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
      • Attending the Singapore FinTech Festival
  • 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
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  • Banking & Savings
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      • LifeDirect Mortgages Review
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  • KiwiSaver
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  • Travel Insurance
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  • Power
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  • Essential Money Tips
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    • Valuable Insights
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  • Financial Independence
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  • Life Essentials
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    • Health & Personal Care
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  • Trade Services
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    • Hamilton Trade Services
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How to Pay Down Debt Faster – the Definitive New Zealand Guide

Our guide explains why you want to pay down debt faster, the best methods for how you can do it and outlines key facts and frequently asked questions
How to Pay Down Debt Faster NZ
Updated 2 June 2025
Summary
  • If you're juggling multiple debts, you may be so busy attempting to meet the minimum debt amounts that you don't consider how you're paying off your debt. Unfortunately, this can leave you carrying around debt for much longer than you'd like.
  • One strategy that is particularly "top of mind" for New Zealanders right now is to pay off debts faster. This guide is published to provide a comprehensive overview of the available options.

We cover:
  • What are the Top Things I Can Implement to Pay My Debts Faster?
  • Must-Know Facts about Paying Down Debt Faster
  • Frequently Asked Questions 

MoneyHub Founder Christopher Walsh shares his comments around paying down debt faster:

"New Zealand has had 10+ years of 'cheap' money, via low-interest rates, since the 2008 global financial crisis. However, with inflation high, the days of low-interest rates are over - outstanding debt needs to be repaid. For many with mortgages and/or rolling over personal loans, this will be at a higher interest rate than when it was first borrowed".

"Too many lenders in the personal space make their money from 25%+ p.a. interest rates which see their customers take a lifetime to repay their debts. This BusinessDesk story features MoneyHub extensively and isn't uncommon. We want you to be debt-free and avoid the traps that drag down hundreds of thousands of hard-working New Zealanders".

"The more debt you have (and the higher the interest rate associated with that debt), the more expensive it will be to repay the debt. If you take on more debts at ever-increasing interest rates, the monthly costs can become crippling".

"Paying down debt faster will, in most situations, substantially reduce the overall amount of money you'll need to pay to banks and other financial institutions in the long run. This cost-saving can go towards other things, such as daily cost of living, travel/holidays, or investing and growing your wealth. By following this guide, there is a plan to minimise your interest costs as fast as possible".
MoneyHub Founder Christopher Walsh
MoneyHub Founder Christopher Walsh

How to Pay Down Debt Faster NZ

What are the Top Things I Can Implement to Pay My Debts Faster?

​With the above in mind, we've listed the top things New Zealanders can do to pay down their debt faster. If you have any suggestions or tips you would like to share to help us improve this guide, please contact our research team.
How to Pay Down Debt Faster NZ

Know what you owe, set clear goals and build a plan to pay off your debt.

The first step before doing anything is to get the complete picture of your debt. For example, understanding what you owe, how much it costs to borrow (what interest rate you're paying) and how long it will take to pay your debt off if you continue to make no changes now. If you don't tally up your debts, then it's near-impossible to repay them at any pace.
 
The debt details you'll want to find and keep track of include the following:
  • The name of the account you’ve got debt with
  • The type of debt you have (credit card, student loan, car loan, mortgage, hire purchase, etc.)
  • The current balance it’s carrying (how much you owe)
  • The interest rate you’re paying (and the compounding frequency – whether daily, weekly, monthly or annually. This can influence what the actual interest rate is – pay attention to the Annual Percentage Rate (APR))
  • The payment terms or estimated length of the debt paydown period
  • The minimum monthly payment
 
Next Steps:
  • Once you've got the complete debt picture, you should be able to set goals and organise a plan to pay down your debt in the best way possible.
  • This plan can involve deciding which debts to pay off first (which is covered below) and the estimated amount of money you can afford to repay each month.
  • Finally, making a budget and tracking your spending for at least three months is recommended to identify your typical spending amounts over time.
 
Know This: When setting up a plan to pay down your debt, it can pay to ask questions like “how much do you need to pay for requirements such as rent/mortgage, insurance, utilities, and food?” and “how much do you currently pay every month toward debt?”.
How to Pay Down Debt Faster NZ

If you can, try to increase your income.

One of the top ways to pay off your debt faster is to increase your income. This approach is good because the additional income you generate (after paying taxes), assuming you don't increase your costs alongside this increase in revenue, can go 100% towards paying your debt down. Therefore, this method will allow you to pay down debt faster and increase your monthly cash flow. A few key ways to increase your income include:
 
1. Work more hours at your current job.
  • Consistently taking additional shifts at work is a common way for many New Zealanders to increase income without incurring additional expenses. However, this strategy doesn't work for everyone. For example, if you're a full-time salaried worker on 40 hour weeks, you may not have the option of increasing the number of hours you work. Another factor to consider is burnout, which is a real issue when working multiple jobs.
  • We are very much aware many New Zealanders don't have the option to 'work more hours' even in the short term. However, if you can, working more hours doesn't need to be forever. Once your debts are fully paid off, you can "ease off the gas" and look to scale back the number of hours you're working.
 
2. Getting a second job.
  • Getting a second job can accelerate your timeline to becoming debt free. However, for this to work, you'll need to have the time to find and work a second job. Unfortunately, not everyone can manage the additional hours of working another job.
  • Whether you have a busy working schedule for your main job or have family obligations in the evenings, finding the time for a second job can be tough. However, a second job is one of the fastest and most intuitive ways to increase your income.
 
3. Start a side hustle.
  • One way to produce some additional income to pay down your debt is to capitalise on a hobby or skill set you have. For example, suppose you are a good writer. In that case, you could start freelancing and write guides or articles for companies looking to produce media content or start your own blog about an area you're passionate about.
  • If you're good with arts and crafts, consider selling your innovative creations on Etsy or TradeMe.
  • If you're good with tools, you can get some contracting work as a handyperson. Other side hustles utilise the assets they already have that aren't based on their time. For example, some people sublease or rent out a room in their home, rent out the storage space in the garage, or take in a student.

For more information on side hustles in New Zealand, check out our guide here and here.

4. Ask for a raise at work.
  • With unemployment at record low levels and the labour market tight, it's never been a better time to negotiate a raise. Given the struggles with filling vacancies, companies are incentivised to retain their existing employees and keep them happy instead of letting them resign and spend lots of money trying to find and re-train someone else. As a result, asking for a raise can be one of the quickest ways to increase your income.
  • We also have a guide on How to Get Promoted which is related to sustained long-term salary increases.
 
5. Finding a better-paying job.
  • With a tight labour market comes lots of job openings. As of 2022, there are many unfilled vacancies for jobs, meaning there's a high likelihood that New Zealanders will be able to find higher-paying jobs in the same roles they're currently working in.
  • One of the best ways to substantially increase your income is to move jobs more frequently (every three years, for example). Not only does this ensure that you're getting paid what you deserve (or that you're getting paid what the "market" values you at), but it also means you're consistently learning and jumping on new opportunities you may not get in your current job.
  • The reality is employers are not going to be proactive and offer you more money just for being loyal - you need to chase it.
How to Pay Down Debt Faster NZ

If you can't increase your income, the next best thing is to cut non-essential expenses.

While the impact of increasing income is generally more significant than cutting expenses (as you can double or triple your income over time, but you can't cut your expenses to zero), cutting back on costs frees up money to pay down their debts by cutting expenses.
 
If you're determined to pay down debt, our view is simple:
  • Whether buying coffee every morning or going on a bender on Friday nights, many New Zealanders will spend a substantial amount on things that are probably not essential. So try to cut down on non-essential expenses like eating out, going on extravagant holidays/travel, going to the movies or buying new designer clothes that aren't needed.
  • Try to track what you spend in a week, then review whether those purchases were essential or not. Try to be brutally honest in this exercise. Many realise that a significant portion of spending could be cut out entirely or swapped out for a lower-cost option. For example, buying things in bulk when they're on sale can substantially reduce your monthly costs without sacrificing the quality of your meals.
  • Identifying key areas to cut back on (such as eating out at restaurants, paying for online subscriptions or going on holidays) can be crucial to pay down debt faster. In addition, it can help to set hard quotas on the amount you can spend on certain categories each week. For example, you might say, "I will only spend $50 on coffee this month", or "I'm going to go on one holiday this year and limit the budget to $3,000".
  • This money is freed up by cutting back on discretionary spending to put yourself in a better financial situation. It's not about stopping yourself from enjoying life but ensuring that you invest in your financial future to enjoy more things in your (debt-free) future. 
How to Pay Down Debt Faster NZ

Figure out which debt paydown method works best for you.

People follow many different debt paydown methods when looking to reduce debt as quickly as possible. Two popular methods are the avalanche method and the snowball method. Both have their pros and cons (which we will detail below):
 
Avalanche Method: Pay down high-interest debt first, whilst paying minimum amounts on other debt.
  • If you're juggling multiple debt balances (such as a mortgage, credit card, car loans, instalments etc.), the most efficient way to get out of debt is to pay off debts with the highest interest rate first. This approach is known as the avalanche method.
  • Usually, the highest interest rate debt will be your credit cards or hire purchases, which can easily have interest rates at 20%+. Then, after paying off the debt with the highest interest rate, move on to paying off the next debt balance with the second-highest interest rate, and so on.
  • The logic behind this approach is simple: The higher the interest rate on debt, the more interest it will incur per dollar of debt, regardless of the total amount of debt. By focusing on paying down the debt balances with higher interest rates, you bring your "aggregated" interest rate down with each dollar you pay down.
  • As these high-interest-rate debt balances get smaller, you'll save the most money by not paying interest and have more money freed up to tackle other debts.
 
Snowball Method: Pay down the smallest debt amounts first whilst paying minimum amounts on other balances.
  • The snowball method is a debt repayment strategy that pays off debts in order of size, starting with the smallest balance. This approach means you'll start by paying off your smallest debt (whilst paying the minimum amounts on all other debt balances) and continue to pay down the larger debt balances as you fully pay off the smaller debts.
  • This method is not the most efficient method of paying down debt as you'll incur more interest overall (your debt balance will grow faster, assuming you're paying the same amounts down as the avalanche method). However, for many people, this is a simple method to follow, and it can be much more satisfying and simplistic to pay off the small $200 debt balance than to try and tackle the $20,000 balances (even if the $20,000 balance has the higher interest rate associated with it). 
How to Pay Down Debt Faster NZ

Consolidate your debt into one account, preferably with a lower interest rate.

Debt consolidation is the process of pooling different debts of varying interest rates into one single loan, ideally at a lower interest rate (however, this usually excludes mortgages as banks don't normally allow home loans to be rolled up with other forms of debt). Sometimes banks or lenders provide this option to their customers in an attempt to make it easier for the customer to stay on top of their debt payments.
 
It's much easier to manage and pay off a single debt balance than lots of debt balances of varying sizes, due dates and interest rates. In addition, by consolidating your debt into one or more loans, you're likely able to save a significant amount of money by paying less interest.
 
One thing to be mindful of is that banks or lenders don’t provide debt consolidation without caveats.
In some instances, consolidating your debt can lead to longer paydown periods that may incur more interest costs than if you hadn't consolidated your debts. In other instances, fees or expenses may be associated with setting up the debt consolidation loan, which can be costly and hidden in the terms and conditions. Again, the key is to continue with your debt repayment schedule and to and avoid incurring any new debts along the way.
 
Next Steps:
  1. To assist in doing the math of whether consolidating your debts makes sense, we’ve built out an interactive debt consolidation calculator to analyse whether it makes sense for you to consolidate your debts.
  2. You can access the calculator here.
  3. Check out our comprehensive comparison guide here for more information on consolidating debt. 
How to Pay Down Debt Faster NZ

Consider refinancing your debt.

If you have a lot of debt on high-interest credit cards, consider refinancing your debt. This strategy can help to lower the amount of interest paid and help you pay down debt much quicker. Refinancing differs from debt consolidation as refinancing focuses on keeping the same number of debt accounts open, but just negotiating the interest rate associated with those debt balances. Debt consolidation is focused on reducing the absolute number of debt accounts you have and rolling them up into one (or fewer) debt account(s).
 
There are two main reasons you would try to refinance your debt:
  • Lower interest rate. This outcome is generally ideal for New Zealanders looking to accelerate their debt paydown. For example, suppose you're carrying a debt balance on a credit card with a 20% interest rate, and you can refinance to a credit card with a 10% interest rate available to you. In that case, refinancing will mean you'll pay less overall interest over the loan because of how much slower the balance will grow, thanks to the lower interest rate.
  • Better terms. Most credit cards offer short-term promotional periods when they waive the annual fee, reduce the annual fee or have an "interest-free" period where the debt won't grow for a certain amount of time (normally three to six months, but could be upwards of a year). However, be aware that when this promotional period ends, the debt will start to incur interest at the normal interest rate (usually around 20% for normal credit cards).
 
You'll incur less interest over time by refinancing your debt at lower interest rates or getting better terms. As a result, you should be able to pay down the debt balances faster. Our debt refinancing calculator has more details as to how much money you can save.
How to Pay Down Debt Faster NZ

Consider a balance transfer to a low/no-interest credit card.

If you have a high-interest-rate credit card and can't make the minimum payments, consider transferring your balance to a low/no-interest credit card. A balance transfer is where you transfer the debt balance from your current bank's credit card to another credit card provider. Usually, the credit card provider you're moving your debt balance to offers an "interest-free" period or a "low rate" (e.g. anything from 5% to 15% p.a.) for the balance until you repay it. This move can save you thousands in interest throughout the loan's life.
 
However, be mindful of balance transfer fees. Generally, balance transfers don't have fees associated with them at the main New Zealand banks. However, this may not be the case for all financial institutions. So it's important to check the introductory interest rate and what will happen at the end of that introductory period before deciding whether transferring balances is the right option for you.
 
Additionally, note that there may be restrictions on the amount you can transfer over (usually up to 90% or 95% of the maximum credit limit of the card) and a restriction on the number of times you can do a balance transfer (at some banks). Finally, it's important to note that any additional purchases you make with the new credit card to which you've transferred your balance will be at the standard interest rate (around 20%+ for most banks) and will not be eligible under the "interest-free" period. Therefore, avoiding spending on the new balance-transferred credit card is suggested until you've paid the debt balance in full.

Next Steps: Our guide to balance transfers has more details
How to Pay Down Debt Faster NZ

Sell assets and use the money to pay off debt.

Whether downgrading your current cars or selling off your boat that doesn't get used, one easy way to generate cash flow to pay down your debts faster is to sell your existing assets. Many New Zealanders will have things lying around the house that they're probably not using.

Know This:
Generally, if you have items worth more than what they cost, consider selling them. Likewise, if you have items you don't use much anymore, consider selling them. However, it's important not to sell anything that could be useful in the future or has significant sentimental value to you.

Our guide to selling items on Trade Me for maximum value has more information.
How to Pay Down Debt Faster NZ

Put any additional money you have toward paying down your debt.

​Whether from a bonus, savings, tax return or inheritance, consider using your excess money to pay off high-interest debt. Doing so will save you significant cost savings in the interest not incurred. Generally, the interest you would have paid on that debt will be greater than any return you get from investing in stocks or interest earned from a term deposit or savings account.
 
However, you always want to have money on hand in case something unexpected arises, such as your car breaking down or a medical emergency. Therefore, it's generally recommended not to dip into your emergency fund (also known as a "rainy day" fund) when looking to put additional cash towards paying down debt. Instead, check out our guide for more information on structuring your emergency fund.
How to Pay Down Debt Faster NZ

Pay more than the minimum repayment amount each month.

Debt providers will calculate the minimum repayment based on your interest rate and account balance. The higher your interest rate, the faster you’ll pay off your debt by paying more than this minimum amount.
 
Generally, it's in a debt provider or credit card provider's interest to get you paying it off as slowly as possible as this generates more interest income for them over the course of the loan. To pay as little interest as possible, try to pay down more than the minimum required payment amount each month.
 
There isn't a "right answer" for how much more you should pay above your minimum balance. Factors such as how much extra money you have after each month, your risk tolerance and the overall interest rate you're paying on the debt will be all factor in. However, generally, adding $50 or $100 above the minimum payment can have a drastic impact on shortening your debt payback period.

How to Pay Down Debt Faster NZ

Must-Know Facts about Paying Down Debt Faster

How to Pay Down Debt Faster NZ

Don’t wait to get started - start now.

The longer you wait to act on paying down debt, the more interest you're incurring. Compound interest doesn't wait; each second you spend in the sub-optimal strategy will build that debt balance a little bit larger. You can get informed as fast as possible and act on paying down your debt faster. The faster you pay off your debt, the closer you get to financial freedom.

On a similar thread, you can find more information about financial independence and early retirement (known as FIRE) here.
How to Pay Down Debt Faster NZ

Watch out for hidden fees.

In debt paydown, many credit providers can be crafty in incorporating their fees. However, many will have additional fees buried in the terms and conditions once you trigger certain situations (such as overdraft, missing repayments or changing your debt paydown programme). So be on the lookout for these hidden fees and ensure you're not incurring unnecessary costs when doing debt consolidation or balance transfers.
How to Pay Down Debt Faster NZ

Keep a record of when your interest-free period ends (if you're utilising balance transfers).

When executing multiple balance transfers and debt consolidations, keeping track of the various interest rates and interest-free periods can be hard. For example, some may be interest-free for six months, whilst others can be interest-free for 24 months. However, having a clear record of when your debt will start to incur interest is crucial to ensure you know which debts you need to prioritise (and which debts you could leave till later).
​
Generally, if the debt is in an interest-free period, you should focus on paying down other high-interest debt balances before you pay down that debt. However, debt can roll off interest-free periods and suddenly become one of your highest-interest debts. This transition is why it's important to keep a clear record of your debt balances and when (if applicable) those interest-free periods end.
How to Pay Down Debt Faster NZ

Don’t be afraid of debt.

While debt gets a (somewhat justified) bad reputation for not being financially prudent, sometimes debt can be useful for building wealth and establishing a healthy relationship with debt. Whether building a credit score to get a mortgage or improving short-term cash flow management, debt can be useful in some situations.

For example, having debt that you pay off each month will build a good credit score over time, which will likely lead to lower interest rates when you take out a mortgage. In addition, this approach would save you thousands of dollars in interest that you would otherwise have incurred if you had a poor credit score (due to a lack of debt history).
​
However, there are very clear risks to those New Zealanders who can't manage their debt balances. Debt can quickly increase one's financial risk and snowball out of control. Therefore, it's important to understand how debt works and use it prudently.
How to Pay Down Debt Faster NZ

Focus on the interest rate rather than the debt balance.

It can be daunting to think about how much money you'll need to pay off to become debt free. However, try to focus on chipping away at the high-interest-rate debts you're paying rather than the actual balance itself.
​
However, interest on even a small debt can grow quickly, so if you have multiple debts to pay off, consider paying the ones with the easiest interest rates first after making all your minimum payments. Our calculator could help with this.
How to Pay Down Debt Faster NZ

Don’t forget to celebrate small successes along the way.

Debt paydown can be a long journey, but if you're chipping away at reducing your debt day by day, you're heading in the right direction. Celebrating the small wins every now and then (like when you've paid off X amount or Y% of debt in the year) can help motivate you to become debt-free.

How to Pay Down Debt Faster NZ

Frequently Asked Questions

I've paid off all my debts and am finally "debt free" What should I do now?

Congratulations; it's not easy to get out from under a debt mountain. But, after you've paid off your debt, the next step is to focus on building your wealth and retirement savings. For more information on savings and investing, check out our guides here and here. 

Are there any good budgeting methods to ensure that I’m saving enough?

​One of the most popular budgeting strategies is the 50/30/20 approach, which aims to simplify budgeting into three easy buckets. The 50/30/20 approach is broken down as follows:
  • First, spend 50% of your income on things you consider necessary.
  • Secondly, Spend 30% of your income on what you want (non-necessity).
  • Finally, spend 20% of your income on the things you are saving for or paying off debt.
 
While the above touches on spending, it's important to note that you can adjust these figures to suit your lifestyle. Some New Zealanders may want to pay down their debts faster, so they would only spend 10% on non-necessities and increase their debt paydown to 40%.

Should I just be paying off the minimum amounts if I need extra cash for daily living expenses?

​Paying the bare minimum amount means the debt can continue to grow (or not reduce in size as fast) and lead to you paying off more in interest over the life of the loan. However, paying the minimum amount is fine if you're struggling with living costs and need to make ends meet. Paying down your debt ensures that you're not defaulting on your debt, building a credit score and ensuring that you're on top of your payments whilst providing for yourself and your family.

What happens if you fail to make your debt payments and default on your debt? Is defaulting on my debt an option? Will I be able to get into debt if I've been made bankrupt?

Generally, your bank will notify you that you've missed a minimum payment. They will either charge you an additional fee or increase the interest rate you're paying on the debt. Additionally, your credit score may suffer as a result. For more information on credit card minimums, check out our guide here.

What kind of debt can I consolidate?

You can consolidate many different types of debt. The top three most common types of debt that New Zealanders consolidate together include:
  • Personal loans
  • Car loans
  • Credit cards

I'm struggling and don't think I'll be able to make ends meet. This debt burden is crushing me right now – what can I do?

​The first step is recognising that getting out of debt is not an overnight process. Take a breath and try to set up a plan. For the all-encompassing guide to getting assistance when going through financial hardship, check out our guide here. Check out the definitive guide for more information on tackling debt and getting help.

What's the optimal way to get out of debt the fastest?

There really isn't any "best way" to get out of debt quickly that works perfectly for everyone. Following the advice in this guide is a good starting point, but there are many different ways to tackle debt. The more tips you can apply, the faster you will get out of debt.

Can I take out my KiwiSaver to pay down my debt?

​Generally, you won't be able to take out your KiwiSaver early unless you fit specific criteria, such as buying your first home, moving overseas or financial hardship. For more information on the criteria necessary to qualify for early withdrawal through the KiwiSaver Hardship option, check out our guide here.

Related Resources:

  • 20 Ways to Save LOTS on Household Bills
  • 50/30/20 Budget Calculator
  • Budget Planner
  • Achieving Financial Independence, Faster
  • Single Parenting and Money
  • Tips for Families on a Single Income
  • Side Hustle Ideas
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      • Young People and Investing
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      • Reviews
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          • Other Coins
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  • Loans & Finance
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  • Insurance
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  • Credit Cards
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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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    • Guides and Resources
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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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      • NZCB Review
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  • KiwiSaver
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      • Pie KiwiSaver Scheme Review
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      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
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      • MAS KiwiSaver Scheme
        • MAS Review
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    • KiwiSaver Calculators
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  • Business
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    • For Startups
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  • MSD
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    • Food Grants Guide
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  • Motoring
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    • Car Dealerships Explained
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      • Buyer’s Guide for the 2023 Toyota Hilux
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    • Warrant of Fitness
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  • Law
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  • Travel
    • Moving Overseas
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      • Moving to Australia
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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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      • 100+ Free Things to do in Auckland
      • Queenstown Like a Local
    • Hotels & Dining
      • Accor Plus Review
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    • Foreign Currency Exchange
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  • Travel Insurance
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    • AMEX Airpoints Platinum Travel Insurance Review
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      • Australia and the Pacifc
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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?
      • Travel Packing List
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  • Mobile & SIM
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    • Apple Watch Buying Guide
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    • Best Power Banks
  • Broadband
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  • Power
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    • Electric Vehicle Power Plans
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    • Power Companies
      • Contact Energy Review
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  • Essential Money Tips
    • Must-Read Lists & Tips
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