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

To help form great money habits for life, we reveal ten super important money must-knows for every teenager

Money Explained to Students
Updated 22 March 2025

Download this guide in PDF format, ready to print and share​
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Every year, tens of thousands of children leave school and go into the world. In a pre-COVID-19 world, no one thought much about getting into debt because everyone else was doing it. However, 2020 changed how people behave forever – knowing how to manage your money and saving for a rainy day is now essential to functioning as an adult. 

In a nutshell, we wholeheartedly believe in the following principle:
Income of 100, spend 99 = happiness
Income of 100, spend 101 = misery

Creating a life within your means is incredibly important. You can save, buy a property and enjoy things that you value. The alternative, spending more than you earn, is, in no uncertain terms, a recipe for disaster. Eventually, the long-term debt created to meet short-term needs hits a brick wall, and bad things happen.

Why should I read this guide?
We’ve put this guide together for one reason – to give you the tools and information so you can develop a great relationship with money. We cover what we consider to be the core foundations of financial education. And best of all, we’ve done our very best to make it as engaging as we can.
Our Money in a Nutshell guide covers ten money must-knows:
  1. ​Income and Expenses
  2. Banking and Credit Cards
  3. Pay-Later Schemes
  4. ​Insurance
  5. Investing
  6. Compound Interest
  7. Superannuation and KiwiSaver
  8. Tax
  9. Student Loans
  10. Cars
Money Explained to Students

Money in a Nutshell - Everything Teenagers Need to Know

Money doesn't need to be complicated or scary. It doesn't matter if your parents are bad with money, or if you've never earned any, this guide sets out ten basic must-knows for a healthy, long-lasting relationship with money.

​If you do have any questions, please email our team - we'd love to hear from you.

Money in a Nutshell for Students NZ

​Income and Expenses

The most important lesson in life is simple – spend less than you earn and you’ll generally be fine. Why? Because you can save, and having savings gives you choices and freedom. Let's test that in an example. Imagine this: you're 25 and, without warning, the company you work for closes down suddenly. This leaves you out of a job. You could be in two situations:
  1. You have no savings, $50 in your bank account and owe $3,000 on a credit card
  2. You have $7,000 in a savings account, $1,000 in your bank account a $500 credit card debt.

Our view:
  • If you have no savings and owe money, life is tough. If you have savings, you have choices.
  • With money saved, you don’t need to rush to find a new job that you might not like – instead, you can choose carefully and wait for the right opportunity.
  • If you have no savings and a bit of debt owed to banks, your options are limited. Bills need to be paid, and you have to work to eat. You may have to take any job, even if it’s not what you want, and it might not pay as much.
  • Ask yourself - do you want to have to rush to find a job, which turns out to be scrubbing floors in a prison 50 hours a week, because you spent $3,000 on clothes and a phone, and didn't save anything from your wages even though you worked for five years straight? Presumably, the answer is NO.

So, to avoid being poor, how do I manage my money to spend less than I earn?

It’s not complicated, but it is a bit boring:
  1. Firstly, a good habit is to never apply for credit cards (you can read about credit cards below). This means you will only spend the money you have in your bank account.
  2. Secondly avoiding payment options like Afterpay and LayBuy mean you don’t have ongoing bills to pay for stuff you’ve bought in the past – we talk about those below too.
  3. Thirdly, before you buy something, ask yourself – do I need it? Your friends may laugh if you tell then you do that, but it will make a big difference to your life as having money gives you opportunities.

Summary – Income and Expenses in a nutshell:

  1. If we’ve not made it clear, here it is again: Spend less than you earn, and you’ll be OK. It’s a fast way to a happy life, filled with choices, freedoms and opportunities.
  2. If you owe money, you’re under the control of someone else – and unless you like worrying and stressing and feeling sick, being in debt is no fun at all. Trust us on that.
  3. It’s not easy; being young with money in your bank account is a great feeling. But the money you have isn’t endless, so choosing wisely is essential. If and when it runs out, you’ll either need to earn some more or stop spending (or both).​

Additional information: Sorted in Schools has some very useful tools to demonstrate income and expenses - the starter pack is a good place to start. The interactive supermarket shopper is a popular tool to understand how money works.

Money in a Nutshell for Students NZ
Money in a Nutshell for Students NZ

​Banking and Credit Cards

Banks are everywhere and everyone needs them, but they make almost all of their money from one thing – debt. Some of the debt is good, like mortgage debt (which helps you buy a home). But a lot of debt is bad – like credit card debt and personal loans (which can be harder to repay than you first think). The good news is that as students, you’ll be offered good bank account deals as banks want to win you as a customer for life.

We believe everyone should have a bank account, and there’s no better time than now. Our guides to best bank accounts for kids and best bank accounts for students shows you what’s out there. Best of all, you’re free to pick any bank – it doesn’t matter where your parents have an account, the choice is all yours.

What is a credit card, and should I get one?

Anyone over 18 and apply for a credit card; student credit cards, if approved, let you spend up to around $500 and pay it back later. It works like a debit card, but you don’t need the money in your account. If you don’t repay what you spend (usually by a specific day the following month), you’ll pay interest on what you owe. This can get expensive as interest rates are high. Whether or not you should get one is your choice. If you start struggling to pay it back, then you’ll learn fairly fast about how expensive bad debt can be.

Does a credit card cost money?

Credit cards do cost money; some charge an annual fee which is something you have to pay just for owning a credit card. All charge interest if you don’t pay what you owe in time – 20% per year gets expensive. And finally, if you lose your card or use it buying stuff overseas, there are extra fees too. So, in summary, credit cards cost you in many ways.

​Summary – Banking in a nutshell:

  1. There are many great bank account deals available to students, and they’re free to sign up and get the benefits (your parents won’t get the deals you do)
  2. Credit cards are an option if you’re over 18, but they do have risks and can be a fast way to waste money and end up in debt (definitely not what you want when you’re young).

Money in a Nutshell for Students NZ

Pay-Later Schemes

Afterpay, LayBuy and countless other pay-later apps promote themselves as alternatives to credit cards. They are, in essence, apps that pay for things you buy, and you pay the cost back later. But instead of charging interest if you pay late, they charge you ‘late fees’.

How does Afterpay and the rest of these apps work?

When you buy something, many shops let you pay by credit card, debit card, EFTPOS, cash or a pay-later service. If you choose that option, you have to download the app, sign up for the account, wait to be approved and then use the service to pay for what you’re buying. You then get an email telling you that you’ve got to pay the cost back over 5, 6, 7 or 8 weeks, depending on what app you used. For example, if you bought clothes for $200 using Afterpay, you would pay 25% upfront (via debit or credit card), and then three further 25% payments over six weeks, i.e. one every fortnight. If you miss one payment, you’ll pay a fee.

Summary – Pay-Later schemes in a nutshell:

  1. They’re incredibly aggressive with marketing, and while they are arguably better than credit card debt, saving up and paying for something upfront with EFTPOS etc. is always going to be cheaper, safer and wiser.
  2. These schemes make their money when you miss a payment – it’s stressful for you, and it’s expensive. Buying $100 in clothes today could cost an extra $20 or $30 in late fees by the end of next month.
  3. In a post-COVID-19 world, having less (or no) personal debt and saving up for things is a great way to live.

Money in a Nutshell for Students NZ
Money in a Nutshell for Students NZ

​Insurance

Insurance is a financial product which protects you against disasters that you can’t afford to pay yourself. For example, car insurance covers you if you hit someone else’s car, travel insurance pays out if you get taken to hospital while overseas, home insurance gives you money if your house is broken into or burns down. You can also get insurance to pay you money if you get sick and can’t work.

All insurance has one thing in common - you pay an annual fee, and if disaster strikes, you can claim on your losses. If and when you do claim, you’ll pay an ‘excess’, which is a sum of money to get the insurance payout. 
For example, If you have a car crash, your insurer may charge $400 to replace your car.

You’ll hear the word ‘policy’ a lot – when you buy insurance; you get a document which covers what you’re covered for, and what you’re not. This is the 'policy', and it will also tell you how much your excess charge is per claim.

Do I need insurance?

We don’t believe students need insurance unless it’s for a specific risk (e.g. travel insurance if you go overseas). Banks and insurers will try to push you to buy contents insurance – our guide explains why you probably don’t need it (unless you own heaps of stuff which you can’t afford to replace).

Summary – Insurance in a nutshell

  • Insurance is necessary to protect risks – your parents will likely have one or two insurance policies, and they’ll either pay for them fortnightly, monthly or annually. If your mum or dad owns the house you live in, they will almost certainly have a house insurance policy to cover their investment if something bad happens.
  • Don’t be pushed into buying insurance ever. Before you buy, ask yourself, what is the risk? This is the most important thing to consider. Can I afford to pay for the worst-case scenario? For example, if your phone costs $300 and a phone insurance policy costs $300 a year, you will want to consider if it’s worth it even to buy the policy.
  • In the future, if you need insurance, our insurance guides cover every possible insurance imaginable, so you can compare and be fully informed that what you’re buying is what you need. If in doubt, compare prices and what policies cover – otherwise you will overpay.

Additional information: Banqer has some helpful pick-a-path insurance examples that reinforce what we've said above. While the actors are primary school aged, the lessons this resource teaches apply to any adult.

Money in a Nutshell for Students NZ
Money in a Nutshell for Students NZ

​Investing

Investing is not something we can cover in a few paragraphs. But we’ll do our best. Investing is the process of putting money into a financial scheme (shares, property, or a business) with the expectation of achieving a profit. With any investment, the amount of money you earn depends on the risk. There are low risk, medium risk and high-risk investments, and generally, investing is a long-term activity. For example, you invest $500 today in a term deposit and earn interest over the next 2-3 years until you invest it elsewhere or spend it.

When should I start investing?

You can invest at any age – for example, putting $100 you’ve saved up into a savings account is ‘investing’ by definition. If you take the same $100 and buy shares in a company, you are also investing. It’s never too early to invest, but investing isn’t guesswork – get it wrong, and you can lose all your money. Our guide to investing covers the basics.

What should I invest in, and how much money do I need?

Learn about what you can invest in using this guide. KiwiSaver is also an investment, and you can sign up to that for free. Our KiwiSaver guide below explains what you need to know and why it's a great idea to sign up.

Summary – Investing in a nutshell:

  • Only invest what you can afford to lose – don’t borrow to invest, as that’s just a bad idea, and don’t invest all the money you have – that’s very risky.
  • Make sure you understand what you are investing in – if you don’t, then you don’t know the right time to sell
  • Never rush an investment decision – that’s always a bad idea.

Money in a Nutshell for Students NZ
Money in a Nutshell for Students NZ

​Compound Interest

This gem needs its own section; we believe understanding compound interest is vital for starting a great relationship with money. To understand compound interest is to unlock a lifetime of wealth and choices.

What is compound interest and why is it important?

It is best explained in an example:
  1. Say you have $1,000 and you want to invest it somewhere safe. You find a savings account that pays 3%  interest per year. After taxes (yes, you do pay taxes on interest earnings), that $1,000 makes you $26.85 during the 12 months you invest it.
  2. Next year, you invest that $1,026.85 (the existing $1,000 and the $26.85 you earned last year) and get 3%, which earns you $27.57 after tax. If you invest what you earn again for another year, then you earn more money and ‘interest on the interest' - which is what compound interest is.
  3. $25 here and $27 there doesn’t sound like much, but it soon adds up. For example, $5,000 invested at 6% over 10 years turns into about $8,500 after tax. 

Summary – Compound interest in a nutshell:

  • ​Compound interest is important because it is money working for you day after day.
  • Over time, your money grows larger, meaning you have more choices about what you can do.
  • Right now, interest rates are at record lows (thanks for the economy), but there’s always money to be made from compound interest.
  • If you invested $100 right now for 50 years at 5% interest per year, you would earn over $1,000 in interest.
  • Our compound interest calculator has more details.

Money in a Nutshell for Students NZ
Money in a Nutshell for Students NZ

​Superannuation and KiwiSaver

We see different organisations try to promote retirement as something for teenagers to be ‘concerned’ about. Our view is very different. We think every teenager should join KiwiSaver as soon as possible, but shouldn’t worry about ‘superannuation and your retirement’ until they’re in their mid-20s…if not later. Quite simply, we believe there’s enough to focus on without looking at something relevant in 50+ years.

What is KiwiSaver, and what does it give me?

  • KiwiSaver is a free-to-join retirement saving scheme. It’s simple – you sign up to a scheme (there are many to choose from) and select a fund. If that’s too complicated, the Inland Revenue Department (who administer KiwiSaver on behalf of the government) will choose a fund for you. Once signed up, the government will give you 50 cents for every $1 you contribute from working (up to around $520/year).
  • If you’re 18 years old or older, your employer must pay at least 3% of whatever you earn (on top of your normal wages) into your KiwiSaver fund. You must also contribute at least 3% of your wages.
  • While 6% doesn’t sound like much on around $20/hour, it’s $1.20, and it adds up. If you work 400 hours over a summer break, you’ll bag $480 into your KiwiSaver fund.
  • And being in KiwiSaver is even more awesome because you can use the money you've saved for a home deposit later on, and, if you qualify, free money (like $10,000 or more) when you buy a house. This isn't important now, but it's very important when you're a little older.

Summary – Superannuation and KiwiSaver in a nutshell:

  • Don't give your 'retirement' too much attention right now. KiwiSaver is designed to take care of that, and the sooner your join, the greater the reward.
  • KiwiSaver gives you money with a little sacrifice. Best of all, it's free to join and you'll get free money from your employer for being a member.
  • If you can't decide on a KiwiSaver fund, that's no reason to avoid signing up. The Inland Revenue Department (IRD) will do this for you, and you can always change to another fund later on.

Additional information: Sorted in Schools has some helpful pick-a-path examples about KiwiSaver and retirement in general that reinforce what we've said above.

Money in a Nutshell for Students NZ

​Tax

The Inland Revenue, known as the IRD, is a government department in charge of collecting tax. It does this in two main ways:
  1. GST (Goods and Services tax): In a nutshell, when you buy something in New Zealand, the seller charges 15% on top of their price, which accounts for GST. For example, when you buy an $11.50 movie ticket, $1.50 of the price is collected as GST and paid to the government. You pay 15% whether you buy lots or a lot - 15% is the set rate and doesn’t change.
  2. PAYE (Pay as You Earn tax): When you earn wages, your employer will deduct PAYE tax which is paid to the government. How much PAYE is deducted depends on how much you earn, although 10.50% is charged on everything earned under $14,000 in a 12 month period. So, if you earn $20 an hour from a job at McDonald's, about $2 every hour is taken as PAYE and paid to the government.

Where does all the tax money go, and why do I need to pay it?

The government pays for everything with tax revenue – schools, roads, hospitals, pensions for elderly, social welfare, and so much more. Paying income tax is compulsory for anyone working in New Zealand. And, even if you’re not working, everything you buy has GST, so the government still earns money from your spending. There’s a saying that ‘death and taxes’ are the only certainties in life, and New Zealanders pay tax to help make the country be the best it can be.

Do I need to do talk to the IRD?

Yes – you will need an IRD number if you work or having savings earning interest. If you haven’t already applied for an IRD number, you can do that easily by following this guide from the IRD. You’ll need a passport or proof of ID. It’s free, pain-free and takes about 10 days to process. Once done, you’ll have a shiny new IRD number to give to employers, banks, investment platforms…and you’ll have the same IRD number for life!

Summary – Tax in a nutshell:

You’ll pay tax on everything you buy (GST), any money you earn from working, as well as money earned on savings (PAYE). The IRD, generally, is easy to deal with and upfront about your obligations. To start things off, you need an IRD number, which is easy to get.

More details:
Our beginner's guide to tax explains what you need to know to make tax 'easy'.

Money in a Nutshell for Students NZ

Student loans

Student loans allow you to borrow money from the government to pay for studies, including fees, living costs and course-related costs like laptops, books and equipment. If you plan to go out of town for university, this section is important. Based on your needs, you can apply for up to four different student loan entitlements. Our guide to student loans has been written to help year 12 and 13 students understand what's involved. 

Here's what you can get:
  1. If you plan to enrol in an eligible course (university and polytechnic offerings are usually 'approved courses', but you can check to see if your course is indeed approved here), your student loan will cover 100% of the tuition fees, regardless of whether you study full-time or part-time. 
  2. If you are studying full time, you can apply to receive a maximum of $231.92 per week during the duration of your study. You don't have to borrow the full amount, and as living costs are part of your student loan, you'll have to pay it back.
  3. Student Loan course-related costs - you can get up to $1,000 every 52 weeks, no matter how many courses you're studying during this time. The amount(s) you claim is added to your student loan balance just like the tuition fees and living expenses. More details are outlined here. ​You don't have to get the full amount of $1,000. You also don't need to claim it all at once.
  4. Student Allowance - what allowance you are entitled depends on your background. Every family situation is different, and for anyone under 24, parental income is the key decider on the amount of student allowance you will receive, if any.

How do Student Loan repayments work, and how much do I need to pay?

It's easy - you repay 12% of everything you earn, but only if you earn at least $380 a week before tax (about $19,760 a year before tax.) You pay 12% of every dollar earned above this threshold. But, your student loan balance is only interest-free as long as you work and live in New Zealand. This means if you move between jobs and/or take time off, you won't be charged interest on the balance owing. Importantly, if it takes you a few months to find a job after graduation, you won't make any loan repayments.

Summary – Student Loans in a nutshell:

  • ​​​If you are looking to graduate with a small student loan rather than a big one, keeping control of your living costs is a significant factor. High rents all over New Zealand make living at home while you study much more affordable. By doing so, the average student could potentially save at least $10,000 to $15,000 per year. Over three to four years, this adds up to a significant amount - possibly more than the cost of your fees and living costs combined.
  • The student allowance/student loan for living expenses remains fixed at around $234 per week. First-year students will find either of these options won't cover halls of residence fees, so will need to have another source of income and/or savings to make up the difference.

Money in a Nutshell for Students NZ
Money in a Nutshell for Students NZ

​Cars

Why have we included cars? Because, as your mum or dad have probably mentioned, cars are expensive, and you probably don’t need one. But hear us out first before you disagree; cars suck up a lot of money in three main ways:
  1. The upfront cost: A car that’s in decent condition is going to set you back at least $2,000. The value of a car drops each year, so what you can sell it for later will be less than you paid.
  2. The ongoing costs: Registration and Warrant of Fitness need to be paid annually, and petrol costs are never cheap no matter what coupons you have. If you need repairs, you’ll easily have to fork out $200 - $500; many full-time adults would struggle to pay this let alone students.
  3. The insurance: Car insurers see young drivers as high risk, so insurance they charge are far from good value. You may be tempted to drive uninsured, but it is a huge risk – if you hit someone, they can make you pay for the damage. Being 18 years old and $20,000 or $50,000 in debt is bad news.

A MoneyHub user writes:
“A few years ago I was driving on my restricted but travelling with a friend who didn’t have a licence. I had an accident on a corner, and we ended up in a ditch. We were both fine, no one else was involved, but I knew I was in trouble as my friend shouldn’t have been with me. I told her to run away and, after calling the police and my insurer, filed a claim. In the following weeks, I felt very guilty – I’d lied to the insurance company about being alone at the time of the accident. It ate away at me, and eventually, I confessed to my parents. We called the insurer – they didn’t want to report me to the police (for insurance fraud), but they did make me pay back the money paid out. We agreed on $20/week until the debt was cleared, which took about three years (although my mother helped pay off a bit). It was a bad time in my life, but I learned my lesson.

Summary – Cars in a nutshell:

  • Cars are expensive – you’ll easily spend $2,000 a year on owning a car, if not twice that. There are so many alternatives – borrow your mum or dads, take public transport, ride with a friend, bike, walk...the list goes on.
  • If you get a job later on which involves commuting, you’ll be stuck in a car more than you’d like. Try to enjoy the freedom of being ‘car-independent’ before that happens.
  • If you haven't worked out already, we're not very positive about cars!

Money Explained to Students

Money in a Nutsell: Next Steps

Money is not an easy subject to master, but what we've outlined above will ​carry you a long way. Above all else, money is better managed and appreciated when you work for it. Look out our Student Jobs guide to see what employers are hiring while you study. 

If you have any money questions, email our research team - we always enjoy hearing from students. 
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      • Reviews
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      • Guides
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        • Guides
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          • Decentralised Finance
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          • Other Coins
            • How to Buy Ripple in New Zealand
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  • Loans & Finance
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      • Car Finance Must-Knows Guides
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    • Credit Scores & Interest Rates
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  • Insurance
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      • Reviews & Policy Comparisons
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    • Students Insurance
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      • Health Insurance
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        • BMI Calculator New Zealand
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  • Credit Cards
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      • Kiwibank Airpoints Cards Ending – Best Replacement Options
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    • Reviews
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        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • Where is AMEX Accepted?
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        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
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        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
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        • RewardPay Review
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  • Travel Money Cards
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    • Travel Money By Country
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  • Banking & Savings
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    • Savings
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      • Booster Savvy Review
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    • Guides and Resources
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    • Reviews
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  • Mortgages
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      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
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      • First Home Loan Guide
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      • Lifetime Home Review
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      • 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
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      • Mortgage Break Fees
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      • Negative Equity
      • How to Manage Higher Mortgage Payments
      • Mortgage Refinance Calculator
    • Mortgage Brokers
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      • Trusted Mortgage Brokers in Tauranga
      • Trusted Mortgage Brokers in Napier and Hastings
      • Trusted Mortgage Brokers in Wellington
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      • 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
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      • Leasehold Property Guide
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      • Buying an Apartment in New Zealand
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    • Selling a Home
      • How to Sell Your House Privately
      • Real Estate Agent Fees
      • Bridging Finance
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      • Interest Deductibility Changes
    • Building a House
      • Average Building Cost Per Square Metre
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      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
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      • Free $500+ Government Money for KiwiSaver
      • Our Favourite KiwiSaver Funds
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      • KiwiSaver Must-Know Facts
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      • What's My PIR?
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      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
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    • KiwiSaver Schemes
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      • Pie KiwiSaver Scheme Review
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      • kōura Wealth KiwiSaver Review
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      • MAS KiwiSaver Scheme
        • MAS Review
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      • Pathfinder KiwiSaver Review
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      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
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  • Business
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    • Business Insurance
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    • Wise Business Account Review
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    • PAYE & Taxes
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    • Business Calculators & Resources
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    • Online Services
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      • Digital Identity Programs and Online Verification Tools
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    • For Startups
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  • MSD
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    • NZ Superannuation in a Nutshell
    • Government Departments Helping New Zealanders Directly
    • Food Grants Guide
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  • Motoring
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      • Turners Cars Review
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      • Top Cars that Hold Their Value
      • Vehicle Leasing
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      • The Women's Guide to Buying a Car
    • Car Dealerships Explained
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      • Gaspy App Review
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      • AA Membership Review
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      • Buyer’s Guide for the 2023 Toyota Hilux
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    • Warrant of Fitness
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      • Warrant of Fitness Auckland
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  • Law
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    • Agreeable Review
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    • Perpetual Guardian
  • Travel
    • Moving Overseas
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      • Working Holiday Visas for 30+ Year-Old New Zealanders
      • Moving to Australia
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    • Air New Zealand Specific
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      • Air New Zealand Koru Membership Review
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    • Lounges, Upgrades, Car Hire & More
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      • Air New Zealand Skycouch Review
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      • 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
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    • Foreign Currency Exchange
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  • Travel Insurance
    • Compare Travel Insurance
    • AMEX Airpoints Platinum Travel Insurance Review
    • Travel Insurance by Destination
      • Australia and the Pacifc
        • Australia Travel Insurance
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      • Americas & Africa
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      • Europe
        • France Travel Insurance
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    • Specific Risk Cover
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    • Travel Insurer Reviews
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      • State Travel Insurance Review
    • Essential Information
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      • 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
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    • Apple Watch Buying Guide
    • Spark Mobile Review
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    • One NZ Mobile Review
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    • Mobile Data Roaming
    • Saily Review
    • Best iPhone Plans
    • Best Power Banks
  • Broadband
    • Compare Broadband Plans
    • No Contract Broadband
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    • Internet Speed Test
    • Broadband Provider Reviews
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      • Electric Kiwi Broadband Review
      • Farmside Broadband Review
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      • NOW Broadband Review
      • One NZ Broadband Review
      • Orcon Broadband Review
      • Spark Broadband Review
      • Skinny Review
      • Slingshot Broadband Review
      • Starlink Review
      • Voyager Broadband Review
      • Wireless Nation Broadband Review
  • Power
    • Compare Power Companies
    • Power and Broadband Bundles
    • How to Lower Your Power Bills
    • Fixed Contracts vs Open Power Plans – What You Need to Know
    • Electric Vehicle Power Plans
    • How to Use Less Power
    • Power Companies
      • Contact Energy Review
      • Ecotricity Review
      • Electric Kiwi Review
      • Flick Electric Review
      • Genesis Energy Review
      • Globug Review
      • Mercury Review
      • Meridian Energy Review
      • Nova Energy Review
      • Powershop Review
      • Z Energy Power Review
  • Essential Money Tips
    • Must-Read Lists & Tips
      • 10 Things to Do Differently with Money in 2025
      • 10 Signs You’re in Financial Danger
      • 20 Indicators You're Doing Well Financially
      • 20 Things to Stop Buying to Have More Money
      • 20 Must-Know Money Lessons (Learned From Experience)
      • 20 Frugal Decisions That Often Backfire
      • 20 Money Habits that Keep You Poor
      • 20 Supermarket Ripoffs
      • 20 Ways to Save on Household Bills
      • 10 Hidden and Exorbitant Costs of Living in New Zealand
      • 10 Simple Financial Steps with Massive Future Payoffs
    • Money & Relationships
      • Bailing Out Your Partner Financially
      • Financial Red Flags in a Relationship
      • Don’t Let Supporting Your Adult Children Ruin Your Retirement
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
    • Money & Family
      • Teaching Kids About Money
      • Single Parenting and Money
      • Tips for Families on a Single Income
      • Financial Planning for Children With Disabilities
    • Valuable Insights
      • Why Am I Not Wealthy?
      • Can the Average New Zealander Become a Millionaire?
      • Money Habits Keeping You in the Rat Race
      • 15 Great Things New Zealanders Can be Optimistic About
      • How to Survive a Recession
      • How to Handle Rising Interest Rates
      • How to Maximise Income in Retirement
      • Stealth Wealth
      • Wealth vs Well-Being
      • Average NZ Salary by Age
      • Average and Median New Zealand Net Worth by Age 2024
      • Dental Costs
      • Charities in New Zealand
      • Trade Me Alternatives
    • Challenging Economic Conditions
      • Financial Support Resources
      • How to Protect Your Finances from Inflation
      • Impacts of Inflation in New Zealand
      • Layoffs, Redundancies and Restructures - Your Rights and Next Steps
      • Graduating Without a Job
      • Should I Stop Contributing to KiwiSaver?
  • Financial Independence
    • FIRE Guides
      • Retirement in a Nutshell
      • How to Retire Early
      • FIRE Explained
      • The Four Percent Rule
      • Achieving Financial Independence, Faster
      • Five Types of FIRE Plans
      • Getting FIRE’d in New Zealand
      • FIRE and NZ Real Estate
    • FIRE Tools
      • Financial Coaches
      • Budgeting Apps
      • Free Financial Literacy Classes
      • Free Financial Products
      • 50/30/20 Budget Calculator
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      • SortMe Review
    • Repaying Debt
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      • CAP (Christians Against Poverty) Review
      • Debtfix Review
      • Getting into Debt to Meet Short Term Living Costs
      • Bankruptcy Guide
    • Tax
      • Beginner's Guide to Tax
      • Salary Sacrifice in New Zealand
      • Tax Bracket Creep
      • Choosing an Accountant
      • Tax Refunds
  • Life Essentials
    • Money & Income Ideas
      • Side Hustles
      • Make Money Online
      • Paid Survey Websites Review
        • Ipsos iSay Review
        • Nielsen Homescan Review
        • Nielsen Online (Computer & Mobile Panel) Review
        • Valued Opinions Review
        • Opinion World Review
        • Triaba New Zealand Review
        • Rewardia New Zealand Review
      • Free Samples
      • Unclaimed Money in New Zealand
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