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

Our guide reveals 20 money lessons, often learned by people the hard way, that you can consider and use to get ahead financially.
Must Know Money Lessons NZ
Updated 13 March 2025
Introduction
  • There are a lot of hard-learned lessons, and this guide collects what we see as the most important twenty to help you avoid them. 
  • Financial mistakes are easy to make and hard to recover from. We've focused on relationships; our view is that a harmonious union isn't just about love; it's about aligning financial dreams and habits. If things go wrong, divorce can take years or even decades to recover from.
  • Costs in New Zealand are high, and there is an alarming amount of consumer debt. We believe it's holding people back from being able to plan their futures. The lessons we list below are designed to help make better decisions.
  • This guide is our first publication and is aimed to share hard lessons learned with New Zealanders looking to get ahead. If you have any comments or wish to share something on this very important subject, please contact our research team.

Related Guides:
  • 20 Things to Stop Buying to Have More Money
  • 20 Indicators You're Doing Well Financially
  • 20 Money Habits that Keep You Poor​

MoneyHub Founder Christopher Walsh Explains Why We've Published this Guide:

"Everyone, at some point in their lives, will make financial decisions they later regret. Whether it's an impulsive purchase, a bad investment choice, or a missed opportunity, the key is not to dwell but to learn and move forward. We're all human, and mistakes are part of our growth journey. I've made a few financial errors, but each has been a lesson. It's not the setback that defines you, but how you recover, learn, and plan for the future". 

"There's a lot of lessons around relationships and money - the priority is to share those, so you'll see them at the top of the list below".

"Investments shouldn't be gambles based on trends or popular opinion, but informed decisions made with a clear understanding of the risks and potential rewards. "During the 2020 and 2021 investment booms, I saw too many individuals jump into markets they didn't fully grasp. When the tide turned, they wondered where it all went wrong. Educating yourself and seeking expert advice can make all the difference in your investment journey."

"Remember; life is filled with lessons, and many revolve around money. But remember, while money plays an essential role in our lives, it's the experiences, relationships, and memories we make that truly enrich us. Make informed choices, prioritize your well-being, and always strive for a balance between financial prosperity and personal fulfilment."
MoneyHub Founder Christopher Walsh
Christopher Walsh
MoneyHub Founder

Our Friends Booster Offer Booster Savvy, Where You Can Save and Spend Smarter - We See It As Your Money's New Best Friend

  • Too much money is wasted by hard-working New Zealanders. Booster Savvy helps you take charge with a 3.75% p.a. return (net of fees, reviewed monthly) and tools to spot spending leaks and wasted money.
  • Unlike banks who push debt with credit cards, personal loans and expensive overdrafts, Savvy invests your money in the Booster Savvy Fund, offering growth and a Mastercard debit card for everyday use.

Why Savvy is valuable to minimise your everyday spending:
  • Spending analytics reveal trouble spots, and Savvy's app gives you the details you need to avoid wasting money. By seeing where your money goes and using features like Boost and Sweep to build savings and Safe to Spend that shows you how much you can safely spend before next payday, you can visualise where your money goes and make better decisions.
  • We believe the Savvy app offers unrivalled insights into helping you avoid wasting money by analysing your expenses.  
  • See how Savvy can help you understand your finances in our Savvy Review or at their website.​
Visit Savvy
Heartland Best Bank Account
Favourite Debit Card

Must Know Money Lessons for Every New Zealander to Know

Twenty Must-Know Money Lessons (Learned From Experience)

Must Know Money Lessons NZ

Your choice of partner is one of the biggest, if not the biggest, financial decisions you will ever make

Compatibility in love is one thing, but financial compatibility can dictate the overall harmony in a relationship. If you and your partner have drastically different spending habits or financial goals, it can lead to tension and disagreements.

Too many relationships are filled with friction because of money. It's essential to be on the same page and value the same things; otherwise, disagreements and tension will always arise. 

MoneyHub Founder Christopher Walsh shares his view on partner choices:
  • "A harmonious relationship extends beyond love and communication; it encompasses financial goals and habits. Choosing someone whose financial philosophy aligns with yours can set a foundation for a prosperous life together".
  • "However, things can get tough quickly if you're not aligned on money. If one is a spender and the other a saver, there will always be problems. The easiest solution is to adopt the FIRE way of thinking, but I realise that's idealistic as not everyone can just subscribe to a way of thinking overnight. It takes time to change behaviours, and spending money is emotional for many people - control or influence isn't always welcome".
  • "However you approach money with your partner, you need to be aligned on your values and how and what you spend. There's no point in agreeing to something and later finding out there's a credit card whirring away on the side. It's not easy, but open communication gets results".​
Must Know Money Lessons NZ

Divorce will (often) destroy you financially

While not every separation results in financial ruin, the costs associated with divorce - both direct and indirect - can be staggering. Legal fees, asset divisions, rent costs while living out of home and other expenses can disrupt even the most stable financial positions.

If you're going to get divorced, you need to be prepared to face the financial costs and make a plan to pay for them. Many older New Zealanders struggle to recover from a divorce in their 50s or 60s. It's a tough place to be - when assets are split, often it's the family home that is the largest asset, and it may need to be sold to divide the assets equally. This leaves two people without a home a sum of money and facing the issues of a new mortgage, 25+ year repayments, and possibly bringing in flatmates to help with bills and living costs. 

If it's not clear - divorce is critically problematic and often can't be avoided, meaning it becomes a hard-learned lesson by an increasing number of New Zealanders per this 2022 NZ Herald article.

Christopher comments:
  • "The financial implications of divorce aren't just about the immediate costs. It's the long-term impact and potential setbacks in financial goals and dreams that make it a difficult pill to swallow. Divorce, apart from its emotional toll, has financial ramifications that linger. Being financially savvy and seeking professional advice during these times can alleviate some monetary strains".​
Must Know Money Lessons NZ

A good partner can significantly improve your position

Having a partner with similar financial goals can accelerate wealth-building. Joint ventures like purchasing property young can lay a foundation for future stability and growth. Achieving success is much easier if you're both working towards a common goal. Together, you'll make sacrifices and discuss what you must do to reach your goals. 

New Zealanders who struggle with their partner to talk about money have a harder time making things work - honesty around money is a huge component of a healthy relationship. 

Christopher comments:
  • "Two heads are often better than one, especially when they share the same financial vision. The collective strength of partners with aligned financial goals can achieve wonders - there's so much momentum created from working together. It's much harder to be in a relationship but working for yourself - there's a lack of mutual respect."

Our Friends Booster Offer Booster Savvy, Where You Can Save and Spend Smarter - We See It As Your Money's New Best Friend

  • Too much money is wasted by hard-working New Zealanders. Booster Savvy helps you take charge with a 3.75% p.a. return (net of fees, reviewed monthly) and tools to spot spending leaks and wasted money.
  • Unlike banks who push debt with credit cards, personal loans and expensive overdrafts, Savvy invests your money in the Booster Savvy Fund, offering growth and a Mastercard debit card for everyday use.

Why Savvy is valuable to minimise your everyday spending:
  • Spending analytics reveal trouble spots, and Savvy's app gives you the details you need to avoid wasting money. By seeing where your money goes and using features like Boost and Sweep to build savings and Safe to Spend that shows you how much you can safely spend before next payday, you can visualise where your money goes and make better decisions.
  • We believe the Savvy app offers unrivalled insights into helping you avoid wasting money by analysing your expenses.  
  • See how Savvy can help you understand your finances in our Savvy Review or at their website.​
Visit Savvy
Heartland Best Bank Account
Favourite Debit Card

Must Know Money Lessons
Must Know Money Lessons NZ

A pre-nuptial/contracting out agreement is very valuable

Many New Zealanders think that a prenup stems from distrust or anticipating failure. It's not either - it's about protecting individual assets and clearly defining financial expectations. Such agreements can prevent potential conflicts and misunderstandings down the line.

Prenups or contracting out agreements can be seen as unromantic, but they're essentially financial clarity tools. Our guide to prenups has more information about what's involved and why many New Zealanders have regretted not getting one.

Christopher shares:
  • "Thinking of prenups as purely protective rather than pessimistic can change the whole perspective. It's about clarity and setting clear expectations from the get-go. In relationships, clarity is kindness, which also applies to financial matters. Prenups might seem clinical, but they can save a lot of heartaches later on."​
Must Know Money Lessons NZ

It's the ten $15 ones that derail your finances, not the one or two $100 purchases

​Small, frequent expenses often fly under the radar but can add up quickly, eating into your savings potential without you even realising.

It's easy to track big-ticket items, but those small daily or weekly expenses? They're the silent budget killers. Being mindful of them can lead to significant savings over time.

Examples include food at petrol stations, takeaway coffee and cakes, small items from shops you don't need (or later want to keep hold of), subscriptions you don't use, and many more everyday expenses. 

A budget app is a strong starting point to see exactly where your money goes.

Christopher comments:
  • ​"It's often the small leaks that sink big ships. Being vigilant of those frequent minor expenses can significantly shift your financial trajectory. We live in an era of convenience, and those conveniences come at a cost. Regularly reviewing our spending habits can be an eye-opener and a game-changer".
Must Know Money Lessons NZ

Changing jobs is the fastest way to earn more

​Loyalty to a company is arguably an old approach many employers take advantage of by way of a 'loyalty discount'. Throughout New Zealand, switching jobs is often the only way to get a substantial salary bump and career advancement. Too many businesses don't need to be dynamic, so they don't increase their pay above standard annual salary increments and hope that staff stay. 

While job hopping shouldn't be done without due consideration, sometimes changing roles or companies can bring about a better salary and fresh opportunities and experiences.

Christopher comments:
  • "While company loyalty is admirable, it shouldn't come at the expense of personal growth and financial betterment. In today's dynamic job market, sometimes progress requires taking that leap. While the comfort of familiarity is enticing, the allure of growth and better financial prospects is hard to ignore".
Must Know Money Lessons and Avoiding Debt NZ
Must Know Money Lessons NZ

Avoid unnecessary debt - it works out to be a trap

While certain debts like student loans or mortgages can be seen as investments in the future, frivolous debt acquired for instant gratification can often be financially and mentally detrimental.

It's crucial to maintain oversight and control over your financial obligations - debt can be empowering or enslaving, depending on how it's managed. 

Christopher cautions:
  • "Debt, when mismanaged or taken on without consideration, can be a heavy burden. There's too much of it in New Zealand, and it's increasingly difficult to get out of". 
  • "An $8,000 credit card balance costs about $2,000 a year in interest, plus repayments, which requires after-tax money. That means $2,000+ a year of your pre-tax salary is spent paying off a very sticky credit card. Doing that does not bring joy and is instead incredibly frustrating". 
  • "It's essential to maintain a healthy perspective about debt (by avoiding it unless you have no other option to pay for a need) and avoid the pitfalls of instant gratification to sleep well at night without the worries of debt."
Must Know Money Lessons NZ

Save at the start of your pay cycle

Prioritising savings ensures that you're consistently building wealth. Setting aside money right after being paid makes you less likely to spend it on non-essentials. People who put at least 10% of their money into savings (for example, a high-interest paying call account have options and can make informed financial choices. Those who don't save and spend first end up without much left (if anything) and rely on debt.

Christopher's suggestion is simple:
  • "Pay yourself first. You're ensuring a brighter financial future by prioritising savings at the start of your pay cycle. It's a financial essential often disregarded, but New Zealanders who sleep well usually have money saved for an urgent cost no one can see coming."

Related tip: Save 10% of your net income for the long term if you want to be happy and sleep well
​Consistent, disciplined saving can pave the way for financial freedom in the future. Setting aside a fixed percentage ensures you build wealth regardless of income fluctuations.

Christopher emphasises:
  • "Consistency is key in financial planning. Setting aside a fixed percentage like 10% means committing to your financial future."

Our Friends Booster Offer Booster Savvy, Where You Can Save and Spend Smarter - We See It As Your Money's New Best Friend

  • Too much money is wasted by hard-working New Zealanders. Booster Savvy helps you take charge with a 3.75% p.a. return (net of fees, reviewed monthly) and tools to spot spending leaks and wasted money.
  • Unlike banks who push debt with credit cards, personal loans and expensive overdrafts, Savvy invests your money in the Booster Savvy Fund, offering growth and a Mastercard debit card for everyday use.

Why Savvy is valuable to minimise your everyday spending:
  • Spending analytics reveal trouble spots, and Savvy's app gives you the details you need to avoid wasting money. By seeing where your money goes and using features like Boost and Sweep to build savings and Safe to Spend that shows you how much you can safely spend before next payday, you can visualise where your money goes and make better decisions.
  • We believe the Savvy app offers unrivalled insights into helping you avoid wasting money by analysing your expenses.  
  • See how Savvy can help you understand your finances in our Savvy Review or at their website.​
Visit Savvy
Heartland Best Bank Account
Favourite Debit Card

Must Know Money Lessons in New Zealand
Must Know Money Lessons NZ

Focus on increasing your primary income source

​While side hustles and investments help grow your wealth and financial freedom, the bulk of your effort should be towards maximising your primary income, as it's likely the most significant source of your earnings. For this reason, we believe changing jobs is a lesson well learned by many New Zealanders who get an automatic pay raise without all the nonsense and meetings with 'the boss' just by switching jobs efficiently. 

Christopher observes: 
  • "Side hustles and investments are valuable, but your main job is often where the most significant potential lies. Always look for ways to excel and increase your primary income".
  • "Changing jobs comes with a new challenge and opportunity, although there are risks that it won't always work out, and you may not be as happy at the new place".
Must Know Money Lessons NZ

Money isn't everything

While financial security is crucial, it should never come at the cost of personal happiness and well-being. Strive for a balance between saving and enjoying the experiences life has to offer.

Money is a tool, not an end goal. It's essential to balance financial prudence and enjoying the moment - there's no fun to be had from staying at home and checking how much money you have in your investments if you're missing out on life.

Christopher reflects:
  • "Money can facilitate experiences, but it's not a substitute for genuine human connections, love, and personal growth. Balance is the key."
  • "We chase money often thinking it'll buy happiness, but at the end of the day, it's the simple joys and relationships that truly matter."
Must Know Money Lessons NZ

The power of compounding interest is understated

​Over time, the interest earned on your investments or savings can earn interest, leading to exponential growth. Starting early can make a massive difference in the long run. Our guide to compound interest has more details.

Christopher states:
  • "Compounding interest is one of the wonders of the financial world. The earlier you start, the more you can benefit from this powerful financial phenomenon".
  • "The magic of compounding is that it rewards patience and consistency. It's not just about how much you save, but how long you let it work for you".
  • Time is the greatest ally of compounding interest. Starting early, even with small amounts, can lead to astonishing results down the line".
Must Know Money Lessons NZ

Career and money aren't the sole sources of happiness

​Achieving career success and amassing wealth can be fulfilling, but they should never come at the cost of personal well-being or relationships. You should always look for ways to stay challenged and learn in a job, but it's dangerous to focus on making as much money as possible as the primary reason to start work every day. 

Additionally, while financial security is essential, it shouldn't become the sole focus of your life. Relationships, experiences, and personal growth are invaluable and cannot be quantified monetarily.

Christopher shares a personal lesson:
  • "I've seen many chase career success at the expense of personal happiness - it's not sustainable, and when things go wrong at work, it feels a lot more significant than it is. It's essential to remember that career and money are tools to facilitate a joyful life, not the source of joy itself."
  • "Money is a means, not an end. Living a fulfilling life involves a balance of financial wisdom and cherishing the intangible moments money can't buy."
Must Know Money Lessons NZ

Your money mindset shapes your financial reality

​The way you think about money, often rooted in childhood observations and experiences, deeply influences your financial behaviours and decisions throughout life. This 'money mindset' can be either a limiting belief system holding you back or an empowering perspective propelling you forward.

Many don't realise how much their internal narratives – such as "money doesn't grow on trees", "you have to work hard to earn a dollar", or "money is the root of all evil" – impact their financial lives. Reassessing and reshaping these beliefs can open doors to opportunities and a healthier relationship with money.

Our view: While it's crucial to understand the value of hard work, it's equally vital to recognise the importance of working smart and letting money work for you. Investing wisely, seeking passive income streams, and being open to financial learning can lead to significant growth. Helping to share this way of thinking is the purpose of the MoneyHub website. 

Christopher notes:
"Your relationship with money goes beyond numbers in your bank account. It's intertwined with your self-worth, aspirations, fears, and dreams. Recognising and challenging any limiting beliefs about money can lead to a transformation not just in your finances but in your overall approach to life". 
Must Know Money Lessons and Avoiding Buying New Cars
Must Know Money Lessons NZ

Don't buy a brand-new vehicle

Vehicles, especially brand-new ones, depreciate faster than most assets. While the allure of a shiny new car is tempting, a gently used one can provide almost the same experience for a fraction of the cost.

Christopher’s Take:
  • "For many, cars are non-negotiable expenses. However, by opting for a year or two old model, you're safeguarding your money from immediate depreciation, all while still enjoying the modern features."
Must Know Money Lessons NZ

Beware of lifestyle creep - it's a trap

A rise in income often sees a parallel increase in expenses. But upgrading your lifestyle whenever your salary bumps up can set you back in your financial journey.

Christopher warns:
  • "In NZ, living costs can skyrocket quickly. It's tempting to indulge in the finer things with each pay raise, but this habit doesn't always equate to greater satisfaction. Put future financial freedom first."​
Must Know Money Lessons New Zealand
Must Know Money Lessons NZ

Don't FOMO; invest only in what you understand

Chasing after the latest investment trend or being pressured by the fear of missing out can harm your financial health. So many people rushed into shares and crypto at the tail-end of the run during 2020 and 2021 and lost a lot of money and didn't understand why. Understanding your investment is crucial to making informed decisions - our list of investing mistakes lists major errors and why people keep making the same mistakes. 
 
Christopher highlights the perils of impulsive investing:
  • "Falling prey to the FOMO mentality can lead to significant losses. Getting in is very easy, but you can quickly be burned and left feeling uneasy about investing overall. Always ensure you understand your investments and avoid jumping onto bandwagons blindly - many wagons are falling into ditches, and they don't get back out."​
Must Know Money Lessons NZ

Living with parents can be financially wise if circumstances allow

Living at home can provide financial benefits if you're fortunate enough to have a good relationship with your parents and they're open to it. It allows for substantial savings, and why you miss the opportunity of flatting or living away from home, the cost savings are significant. 

Christopher notes:
  • "Living at home can be an incredible financial advantage for those who can manage it. The potential for savings puts you ahead of anyone else renting or in a flat, which means your financial headstart is significant".
  • "There are some downsides, but given the cost of living in New Zealand, I argue that it's an untapped source of savings that is too often overlooked for 'experience' that can come at a high financial cost."
Must Know Money Lessons NZ

A commitment to getting debt-free as quickly as possible gives you more options (and helps you sleep better)

Paying off debts, especially significant ones like mortgages helps achieve financial freedom faster. This often requires a combination of disciplined spending and making sacrifices, but if you want to spend your money on yourself rather than credit card and bank interest repayments, getting rid of debt is the only way to give you the power. 

Christopher explains further:
"There is too much consumer debt - and it's a reason banks and loan companies are swimming in money while ordinary New Zealanders feel anxious checking their credit card and loan statements. It's a huge waste of money - spending $5,000 on non-essentials on a credit card and then parking the debt at 20% p.a. interest rates is a common state of affairs in every corner of New Zealand".
Must Know Money Lessons NZ

Business ownership is risky, but it does offer financial growth to those who make it a success

Many wealthy New Zealanders attribute their financial success to owning or being involved in businesses. While not without risks, business ownership can offer exponential financial rewards. However, this isn't something for everyone - most businesses fail within a few years, as evidenced by this NZ data. For those who make it work, it can be much more lucrative than working for someone else, but this depends on the industry, your timing, scale and commitment.

Christopher observes:
  • "Business ownership is a common thread among many wealthy individuals. While it's not a guaranteed path to riches, it offers opportunities and financial potential that traditional employment often can't match."
Must Know Money Lessons NZ

Educate yourself on financial products to make better decisions

Understanding how financial products work, from mortgages to credit cards, can save you money and allow you to use these tools to your advantage. MoneyHub explains everything, but there are other sources - those who want to learn will be more likely to make better choices and keep control of their money.

Financial education is empowerment. Understanding how different financial products operate can make them work for you instead of being trapped by hidden pitfalls.

Christopher makes the risks clear:
  • "If you are unaware of the traps waiting to get you, it's very easy to fall into them. Consumerism is rampant throughout New Zealand (and the world) and keeps many working people poor. Credit cards, personal loans, BNPL and store cards are serious financial weapons people use against themselves unknowingly".
  • "Many New Zealanders manage their money just fine - but those who don't or can't generate billions of dollars of interest payments for banks and lenders. Please invest the time upfront and talk with your partner (if you have one) about what you want to spend money on. And above all else, please consider getting a budgeting app".

Our Friends Booster Offer Booster Savvy, Where You Can Save and Spend Smarter - We See It As Your Money's New Best Friend

  • Too much money is wasted by hard-working New Zealanders. Booster Savvy helps you take charge with a 3.75% p.a. return (net of fees, reviewed monthly) and tools to spot spending leaks and wasted money.
  • Unlike banks who push debt with credit cards, personal loans and expensive overdrafts, Savvy invests your money in the Booster Savvy Fund, offering growth and a Mastercard debit card for everyday use.

Why Savvy is valuable to minimise your everyday spending:
  • Spending analytics reveal trouble spots, and Savvy's app gives you the details you need to avoid wasting money. By seeing where your money goes and using features like Boost and Sweep to build savings and Safe to Spend that shows you how much you can safely spend before next payday, you can visualise where your money goes and make better decisions.
  • We believe the Savvy app offers unrivalled insights into helping you avoid wasting money by analysing your expenses.  
  • See how Savvy can help you understand your finances in our Savvy Review or at their website.​
Visit Savvy
Heartland Best Bank Account
Favourite Debit Card

Related Guides:
  • 20 Things to Stop Buying to Have More Money
  • 20 Indicators You're Doing Well Financially
  • 20 Money Habits that Keep You Poor
  • Best Call Accounts 
  • Best Term Deposits
  • ​Emergency Funds​
  • Paying Off a Credit Card on an Average Salary
  • Financial Independence and Retiring Early
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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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  • Insurance
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      • Reviews & Policy Comparisons
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    • Students Insurance
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      • Health Insurance
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  • Credit Cards
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      • Kiwibank Airpoints Cards Ending – Best Replacement Options
      • ANZ vs AMEX vs Westpac Platinum Airpoints Credit Cards
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    • Reviews
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        • 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
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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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      • Revolut vs Wise - Which Is Better?
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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
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      • 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
      • Rateable Value vs Market Value
      • 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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      • 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
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      • Choosing a KiwiSaver Fund
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      • 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
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      • KiwiSaver Robo and Digital Advice Tools
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    • KiwiSaver Contributions & Tax
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      • What's My PIR?
      • KiwiSaver and Tax
    • KiwiSaver for Life Events and Specific Situations
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      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
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      • KiwiSaver in a Divorce or Separation
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    • KiwiSaver Schemes
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      • 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
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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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      • Prospa Business Loans Review
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    • Business Insurance
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    • Wise Business Account Review
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      • Business Brokers
    • 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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      • Expanding Offshore
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  • MSD
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    • Super Rates 2025 and 2026
    • NZ Superannuation in a Nutshell
    • Government Departments Helping New Zealanders Directly
    • Food Grants Guide
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      • Food Banks Auckland
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  • Motoring
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      • Turners Cars Review
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      • CarJam vs MotorWeb Car Report Comparison
      • Top Cars that Hold Their Value
      • Vehicle Leasing
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      • The Women's Guide to Buying a Car
    • Car Dealerships Explained
    • Everyday Driving
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      • 20 Ways to Make Driving Cheaper
      • Gaspy App Review
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      • AA Membership Review
      • Best Car Batteries
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      • Buyer’s Guide for the 2023 Toyota Hilux
      • Buyer’s Guide for the 2023 Toyota RAV4
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    • Warrant of Fitness
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      • Warrant of Fitness Auckland
      • Warrant of Fitness Hamilton
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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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      • Fastest Way To Earn Air NZ Status Points
      • Air New Zealand Koru Membership Review
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    • Lounges, Upgrades, Car Hire & More
      • How to Get Access to Airport Lounges
      • Air New Zealand Skycouch Review
      • No Nonsense Upgrade Guide
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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
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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
    • Rural Broadband Plans
    • Internet Speed Test
    • Broadband Provider Reviews
      • 2degrees Broadband Review
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      • Electric Kiwi Broadband Review
      • Farmside Broadband Review
      • Mercury Broadband Review
      • 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
      • Budget Planner
      • SortMe Review
    • Repaying Debt
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      • Debt Repayment Apps
      • 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
      • Free Money from the Government
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