MoneyHub NZ
  • Search
  • Investing
    • Investing Platforms
      • Reviews
        • Sharesies Review
        • Hatch Review
        • Stake Review
        • Tiger Brokers (NZ) Review
        • Superhero Review
        • BlackBull Markets Share Trading Platform Review
        • ASB Securities Review
        • Jarden Direct Review
        • InvestNow Review
        • Kernel Review
        • Flint Wealth Review
        • Interactive Brokers
        • Smartshares Review
        • Catalist Review
      • Comparisons
        • Sharesies vs Hatch vs Stake
        • Hatch vs Stake
        • Hatch vs Tiger Brokers
        • Sharesies vs Tiger Brokers
        • Stake vs Tiger Brokers
        • Comparing Sharesies vs Investnow vs Hatch vs Jarden 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
        • 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 Asian Markets from New Zealand
        • Understand Gross vs Net
    • Introduction to Investing
      • Guides
        • Index Funds
        • 10 Ways to Invest in New Zealand
        • How to Invest Regularly
        • Passive Investing vs Active Investing
        • Investments You Can Own Forever
        • Investing Mistakes
        • ETFs (Exchange Traded Funds)
        • Best Retirement Income Products in New Zealand
        • Index Funds vs ETFs
        • Shares vs ETFs
        • Dollar-Cost Averaging Guide
        • 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
      • 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
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing
      • Guides
        • Investing Guide
        • Our Favourite 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
        • Managed Funds
          • Booster Private Land and Property Fund Review
        • How to Buy and Sell Bonds
        • Buying NZ Corporate Bonds
        • Trading in a Nutshell
        • Peer to Peer Lending
        • Crowd Funding 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
        • Options Trading
        • Contracts for Difference (CFDs) Guide
        • Futures Trading
        • Commodities Trading
        • Forex Trading Tools
        • Forex Trading Platforms Comparison
        • Forex Trading Courses and Education
        • Forex Regulation
        • Copy Trading
    • Cryptocurrency
      • Reviews
        • Easy Crypto Review
        • Swyftx Review
        • Binance Review
        • Easy Crypto vs Swyftx
        • 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
        • 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
      • Bad Credit Car Loans
      • Car Finance Company Reviews
        • AA Money Review
        • Better Finance Review
        • Kiwi Car Loans Review
        • MTF Finance Review
        • Simplify Loans Review
        • Car Loan Brokers vs Direct Car Finance
      • 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
      • Car Finance Add-On Insurance Guides
        • GAP (Guaranteed Asset Protection Insurance) Insurance
        • MBI (Mechanical Breakdown Insurance)
        • PPI (Payment Protection Insurance)
    • Personal Loans
      • Debt Consolidation Loans
      • Secured 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
      • 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
    • Car Insurance
      • Guides
        • 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
      • Reviews
        • Tower Car Insurance Review
        • Cove Car Insurance Review
        • Trade Me Car Insurance Review
      • AMI vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
      • Young Driver Car Insurance
      • Third Party Car Insurance
      • Caravan Insurance
    • Home, Contents and Other Insurance
      • House Insurance
      • House Insurance Calculator
      • Difficult to Insure Areas
      • Insuring Old Houses
      • Contents Insurance
      • Home and Contents Insurance
      • Renters' Insurance
      • Landlord Insurance
      • Dental Insurance and Dentist Plans
      • Phone Insurance
      • Insurance Excess
      • Motorbike Insurance
      • Initio Review
      • Insurance Brokers
        • Trusted Insurance Brokers in Wellington
        • Trusted Insurance Brokers in Christchurch
    • Pet Insurance
      • Is Pet Insurance Worth Buying?
      • Cat and Dog Desexing
      • Getting a Kitten
      • Buying a Puppy
      • Pet Euthanasia
      • Vet Costs in New Zealand
      • Costs of Owning a Cat
      • Costs of Owning a Dog
    • Life & Health Insurance
      • Life Insurance
        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • 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
      • 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
    • The Best American Express Credit Cards
    • Air New Zealand Airpoints Credit Cards
      • ANZ vs AMEX vs Kiwibank vs Westpac Platinum Airpoints Credit Cards
      • ANZ Airpoints Visa Platinum vs AMEX Airpoints Platinum
      • Kiwibank Airpoints Platinum Visa vs AMEX Airpoints Platinum
      • Westpac Airpoints Platinum Mastercard vs AMEX Airpoints Platinum
    • Balance Transfer Credit Cards
    • Platinum and Gold Credit Cards
    • Reviews
      • American Express Credit Cards Review
        • American Express Airpoints Platinum Review
        • American Express Gold Rewards Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas 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
      • Where is Amex Accepted?
      • Credit Card Interest Calculator
      • How to Request a Credit Card Chargeback
    • Other Credit Cards
      • Travel Money Cards
        • Australia Travel Money
        • Bali Travel Money
        • Fiji Travel Money
        • Rarotonga Travel Money
        • UK Travel Money
      • 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
      • 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
  • Banking & Savings
    • Banking
      • Best Bank Accounts
      • Best Debit Cards
      • Best Joint Bank Accounts
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Private Banking
      • International Money Transfers
      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
    • Savings
      • Best Term Deposits
      • Booster Savvy Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Best Savings Accounts
      • Term Deposit Alternatives
    • Guides and Resources
      • Banks vs Credit Unions
      • Open Banking Guide
      • NZ Bank Prefix Codes
    • Reviews
      • Wise International 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
    • Mortgage Management
      • Saving for a House Deposit
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • 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 in Christchurch
    • 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
    • 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
      • Our Favourite KiwiSaver Funds
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • 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
      • 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
      • JUNO KiwiSaver Scheme
      • Kernel KiwiSaver Review
      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • Lifestages KiwiSaver Scheme
      • MAS KiwiSaver Scheme
        • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • Nikko AM 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
      • Prospa Business Loans Review
      • Bizcap Business Loans Review
    • Business Insurance
      • Public Liability Insurance
      • Business Interruption Insurance
      • Professional Indemnity Insurance
    • 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
    • Business Calculators
      • 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
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
    • 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 2023 and 2024
    • Jobseeker Support Guide
    • Accommodation Supplement Guide
    • 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
    • NZ Superannuation in a Nutshell
    • Superannuation Rates 2023
    • Government Departments Helping New Zealanders Directly
    • COVID-19 Help
    • 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
      • CarJam Review
      • CarJam vs MotorWeb Car Report Comparison
      • Top Cars that Hold Their Value
      • Vehicle Leasing
      • Car Registration in New Zealand
    • 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
    • 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
  • Job Hunting
    • Job Applications
      • CV Templates & Tips
      • Cover Letters
      • Common Interview Questions
    • Guides & Resources
      • How to Improve Your LinkedIn Profile
      • Part-Time Jobs Guide
      • Redundancy Payouts and Entitlements
      • How to Get Promoted
      • Self-Employment Guide
      • Workplace Bullying
    • Recruitment Agencies
      • Recruitment Agencies Auckland
      • Recruitment Agencies Wellington
      • Recruitment Agencies Christchurch
  • Travel
    • How to Get Access to Airport Lounges
    • Flybuys Review
    • Fastest Way To Earn Air NZ Status Points
    • How to Redeem Air New Zealand Airpoints Dollars
    • Air New Zealand Koru Membership Review
    • Air New Zealand Travel Tips
    • Air NZ Upgrade Guide
    • Airpoints Flexipay Guide
    • No Nonsense Upgrade Guide
    • Cheap Domestic Flights
    • Car Rental Hire
    • Auckland Airport Car Parking
    • First Table Guide
    • Accor Plus Review
    • Queenstown Like a Local
    • Auckland Travel for Less
    • Hotel Booking Sites Compared
    • 100+ Free Things to do in Auckland
    • Layby Flights Guide
    • Airbnb Refunds (Coronavirus)
    • Air New Zealand Refunds & Credits
    • Google Flights Guide
    • Skyscanner Guide
    • Working Holiday Visas
    • Currency Converter
    • Qatar Airways Travel Tips
    • Foreign Currency Exchange
      • 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
  • Broadband
    • Compare Broadband Plans
    • No Contract Broadband
    • Rural Broadband Plans
    • Internet Speed Test
    • Broadband Provider Reviews
      • 2degrees Broadband Review
      • Bigpipe Broadband Review
      • Compass Broadband Review
      • Contact Broadband Review
      • Electric Kiwi Broadband Review
      • Farmside Broadband Review
      • Flip Broadband Review
      • Mercury Broadband Review
      • MyRepublic 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
      • Frank Energy Review
      • Genesis Energy Review
      • Globug Review
      • Mercury Review
      • Meridian Energy Review
      • Nova Energy Review
      • Powershop Review
      • Z Energy Power Review
  • 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
      • Budgeting Apps
      • Debt Repayment Apps
      • Free Financial Literacy Classes
      • Free Financial Products
      • 50/30/20 Budget Calculator
      • Budget Planner
    • Tax
      • Beginner's Guide to Tax
      • Salary Sacrifice in New Zealand
      • Tax Bracket Creep
      • Tax Refunds
    • Money Tips
      • 20 Things to Stop Buying to Have More Money
      • 20 Indicators You're Doing Well Financially
      • 20 Must-Know Money Lessons (Learned From Experience)
      • 20 Money Habits that Keep You Poor
      • Saving on Household Bills
      • Debt Help
      • CAP (Christians Against Poverty) Review
      • Debtfix Review
      • Getting into Debt to Meet Short Term Living Costs
      • How to Survive a Recession
      • Average NZ Salary by Age
      • How to Maximise Income in Retirement
      • How to Handle Rising Interest Rates
      • Free Money from the Government
      • Bankruptcy Guide
      • Unclaimed Money in New Zealand
      • Financial Planning for Children With Disabilities
      • Should I Stop Contributing to KiwiSaver?
      • Teaching Kids About Money
      • Single Parenting and Money
      • How to Protect Your Finances from Inflation
      • Impacts of Inflation in New Zealand - 2022 and Beyond
      • Tips for Families on a Single Income
      • Side Hustles
      • Charities in New Zealand
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
  • Trade & Professional Services
    • Auckland Trade & Professional Services
      • Acupuncture Auckland
      • Arborists Auckland
      • Asbestos Removal Auckland
      • Auto Electricians Auckland
      • Bathroom Renovations Auckland
      • Builders Auckland
      • Building Inspectors Auckland
      • Cabinet Makers Auckland
      • Car Detailing Auckland ​
      • Catering Auckland
      • Cattery Auckland
      • Chimney Sweep Auckland
      • Chiropractors Auckland
      • Cleaners Auckland
      • Computer Repair Experts Auckland
      • Concreters Auckland
      • Dentists Auckland
      • Dog Boarding Kennels Auckland
      • Dog Daycare Auckland
      • Dog Grooming Auckland
      • Dry Cleaners Auckland
      • Electricians Auckland
      • Eyelash Extensions Auckland
      • Firewood Auckland
      • Flooring Companies Auckland
      • Fridge Repair Auckland
      • Garage Door Repair Auckland
      • Glaziers Auckland
      • Graphic Design Auckland
      • Gutter Cleaning Auckland
      • Gym Memberships Auckland
      • Hair Salons Auckland
      • Heat Pump & AC Specialists Auckland
      • Home Security Systems Auckland
      • Korean BBQ Auckland
      • Land Surveyors Auckland
      • Landscapers Auckland
      • Lawn Mowing Services Auckland
      • Locksmiths Auckland
      • Mechanics Auckland
      • Makeup Artists Auckland
      • Naturopaths Auckland
      • Optometrists Auckland
      • Painters Auckland
      • Panel Beaters Auckland
      • Personal Trainers Auckland
      • Pest Control Auckland
      • Plumbers Auckland
      • Podiatrists Auckland
      • Puppy School Auckland
      • Roofing Auckland
      • Scaffolding Auckland
      • Screen Printing Auckland
      • Solar Panels Auckland
      • Quality Tyres Auckland
      • Wedding Car Hire Auckland
      • Wedding Celebrant Auckland
      • Wedding Photographers Auckland
      • Wedding Videographers Auckland
      • Window Tinting Auckland
    • Wellington Trade Services
      • Arborists Wellington
      • Bathroom Renovations Wellington
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Money Tips for Kids and Teenagers

MoneyHub explains EVERYTHING important about money now to set yourself up for life

Money Tips for New Zealand Kids
Updated 1 October 2023

​You may love chemistry, art, rugby or netball. But, whatever your interests, 
the entire world runs on money. Unfortunately, many adults are clueless when understanding money, which means life can be stressful, tiring and frustrating. However, a few necessary skills outlined in this guide will help you manage your money.

Our guide covers:
  • The Money Mistakes that Make You Poor
  • Ten Must-Know Tips that Help Anyone Become a Master of Money
  • Three Important (and Mostly Unknown) Facts About Money

Why have we published this guide?
  • We believe that financial literacy is lacking throughout New Zealand, not based on household income. We want to share the same knowledge that wealthy parents teach their children so everyone has the chance to avoid becoming a slave to debt.
  • Financial skills are not taught at school, and we have been surprised by how many basic concepts young New Zealand adults are unaware of. We want to help solve this.
  • Our TikTok videos help inform, but the reality is jobs won't teach your how to manage your money, so MoneyHub continues to publish guides and videos we believe will help everyone thrive. This guide is that we feel will help any New Zealander to make better decisions around money.

MoneyHub Founder Christopher Walsh shares his views:

"Make no mistake - we live in a 24/7 consumerist society. We see and hear ads every day telling us to buy buy buy. We never see advertisements telling us to save up and buy something later. Companies love to sell us something today and have us pay for it later – they expect you to pay interest on what you owe and accept that is 'life'. We don't want you to do this".

"0% interest, zero repayments and, generally, anything offering pay later terms are debts that usually cost you more in the long run. It's a trap that gets people hooked on debt and may times it's hard to break free. It takes discipline to resist the relentless advertising – who doesn’t want a giant TV, Xbox or new clothes right now? The problem is the debts you incur suck money out of your bank account week after week. Want to go on holiday or buy something special? Debts will make that harder".

"The financial crisis in 2008, which made millions of people homeless, started by loans being taken out by people who spent more than they earned. Spending money you don’t have happens all over New Zealand, and it ALWAYS leads to misery. Always. The purpose of this guide is to make you know the reality and make smarter decisions as a result".
MoneyHub Founder Christopher Walsh
MoneyHub Founder
Christopher Walsh


Money Tips for New Zealand Kids

The Money Mistakes that Make You Poor

We've put together our top list of the most common money mistakes. Yes, we live in a 'have it now' world, but you don't need to make yourself poor and stressed by thinking you need to follow. Instead, relax and read our list to avoid common pitfalls. MoneyHub is well aware that many New Zealanders don’t know where their money is going - don't make these mistakes:
  1. Overspending on credit cards – it’s easy to spend on non-essentials because you don’t see the money going out of your bank account per item. Unless credit card bills can be paid off in FULL every month, the debts incurred cost a small fortune.
  2. Always buying the latest technology – new TVs, new iPhones and flash sound systems look good, but do you notice the difference after a few days? Worse than that, many people take ‘buy now, pay later’ offers – this means your $3,000 TV will cost over $5,000 and keep you chained in debt for five years.
  3. Bling and Beauty – rich people don’t flash around diamonds, brands and new haircuts every week; look at Bill Gates and Mark Zuckerberg. ‘Fake rich’ is all around us, but it’s lame and the money spent doesn’t make anyone happy…other than the retailers!
  4. Impulse purchases – do you need four phone cases, three watches and four perfume bottles? Marketing is INTENSE for this stuff, but unless it’s a need, you’re wasting money. And seeing heaps of stuff sitting around gets depressing.
  5. Food waste – New Zealanders are bad with this – Food waste is a $1.8 billion problem in New Zealand - around an eighth of what Kiwis buy each week being thrown away. Rather than buy big, just buy what you'll use. 
  6. Games and In-App purchases – this can get out of control very quickly, with US$ here and US$7.99 adding up to NZ$200+ a month. Have restraint when you game and you’ll have more money.
  7. Balling at a club – bars in New Zealand are crazy expensive; the real ‘boss’ is the owner of the club, not you. Spending excessively on a night out isn’t fun when you relive it on your card the next day.
  8. Gambling – poor people spend the most on lotto tickets and instant Kiwi. The odds are bad and the success stories so few. It's basically a tax for poor people.
  9. Smoking and vaping – $20+ for a pack of cigarettes means a ‘social’ pack-a-week-a-day purchase could cost $1,000 a year. Vaping is also expensive and not healthy.
  10. Bank fees and overdrafts – banks make a fortune from overdrafts (see our overdraft guide) and fees. Pick the right bank account – zero fees, low transaction costs and freebies. Our student bank account guide picks the best options for those 18 and over.
  11. Bad value insurance – when it comes to insurance, if you don’t compare, you’ll pay more. Our insurance guides help make sense of the best options.
  12. Trying to look rich – fake it until you make it is a joke. The goal is to BE wealthy, not to LOOK wealthy. You are only going to drag around debt and worry at night.

Money Tips for New Zealand Kids

Ten Must-Know Tips that Help Anyone Become a Master of Money

We outline the ten most important facts that let you navigate money life as a young adult. The message is clear - if you want a happy relationship with money, avoid impulsive purchases, shop around and don't buy the latest stuff. 
MoneyHub

Debt isn't always 'bad' - know the difference between 'good debt' and 'bad debt'

Debt CAN be good. Some debts make you wealthy, and some debts make you poor.

Examples of ‘good debts’ are:
  • Mortgages for a home you’ll live (if the repayments are affordable)
  • Student loan debt (if you graduate and get a high-paying job)
 
Examples of bad debts include:
  • Borrowing $2,000 to go on holiday to the Gold Coast – you’ll pay HUGE interest and won’t have money to save for the next holiday
  • Buying a $5,000 TV on 24 interest-free and no-repayment terms, and you don’t make any repayments and pay interest later, this is bad debt. The TV can easily cost over $8,000 by the time you’ve paid it off.
  • A contract on a new mobile phone – where the cost of the repayments exceeds the price of the phone, this is bad debt
  • Borrowing $5,000 from a family friend to invest in Bitcoin - this is borrowing money to gamble, which is incredibly high risk.
 
As you get older, when you plan to buy something and don't have the money, ask yourself - am I creating a bad debt, or a good debt? Some things can be good debt or bad debt, depending on the need of the loan:
  1. For example, if you buy a car on finance which you need for a job, and there are no other alternatives, it is good debt (as long as it’s affordable).
  2. If you don’t need the car for work, and only want it for convenience, it’s more likely to be a bad debt.​​
MoneyHub

Make the Wrong Money Decisions Today and a LIFETIME of Financial Problems Await

In many school subjects, there is a right and wrong answer. For example, maths, chemistry and geography are black and white. But money is not like that. It’s uncertain and requires crucial judgment, so the sooner you get experience in dealing with money, the better off you’ll be.
​

We live in a competitive consumer economy. There is no debt education in schools – if you run up a $1,000 bill at 18 on a standard credit card and only make the minimum repayments, it will take you ten years (!) to pay it off. If you put $5,000 on a GEM Visa or Q Card and only make the minimum repayment, it will take you 18 years (!!) to pay it off. It’s scary stuff – being stuck in consumer debt in your 20s is bad, but in your 30s it’s terrible.

People will always buy stuff they can’t afford. The latest phones, new clothes, brand new car and big nights out. But they go home to bills to pay, which cause worry and health issues. School doesn’t teach you about avoiding the trappings of being an adult – and Instagram is full of fake lifestyle photos which doesn’t help self-control.
Money Tips for New Zealand Kids
MoneyHub

Understand the difference between Assets and Liabilities

For example, an asset is a house you own and rent out – your asset makes you money. A liability is a credit card debt for a holiday. Assets are valuable as they pay you money, whereas liabilities cost you money. If you have money in the bank, it's an asset. If your bank account is in overdraft, it's a liability. 
MoneyHub

People earning the same money can end up rich, while others will end up poor

The best way to explain this is with an example:
  1. Matt and Max both earn $5,000 a month.
  2. Matt spends his money on restaurants, car repayments, a new phone, clothes and the latest electronics.
  3. Max goes out much less but invites his friends to his home instead, owns a second-hand phone, owns a used car and doesn't follow the fashion trends.
  4. Max saves $2,500 a month, so each year he saves $30,000; Matt saves nothing and sometimes can't pay his credit card debt.
  5. Max's savings grow with compound interest and has $500,000 savings! Matt still struggles to pay his bills. The trend continues to years to come and when Matt and Max retires, Max owns three houses where as Matt is renting.

What does this all mean? 
Basically, you can spend your money to look risk, but you may end up poor. Wealthy people often look very ordinary, but they use their assets to make them richer. For example, their rental property pays for overseas holidays and renovations in their own home.
Money Tips for New Zealand Kids
MoneyHub

Learn how money works and how to work in the real world by creating your own business or work regular part-time hours (but don't let school suffer)

Babysitting, lawn mowing and dog walking are just some examples of in-demand jobs. Many companies hire students year-round. Our student jobs guide outlines how to take the next step. If you work for yourself, you can full control of when you work, which may be more suitable than committing to fixed hours. 

Want to get a part-time job right now? We've made it easy. Our student job guide lists plenty of options. Our student CV, cover letter and job interview guides help you succeed in your application.

MoneyHub

If you don't compare prices when shopping, you're probably overpaying

MoneyHub was founded with the purpose of comparing prices, and we spend a long time getting to know the different options available for everyday purchases. We invest a lot of time updating them to make sure people can compare accurately. If you are determined to get a credit card or car, read some of our most popular guides first:
  • The Ultimate Guide to Buying a Used Car in New Zealand
  • Best Credit Cards
  • Compare Insurance
MoneyHub

Learn about saving and investing as early as possible

  • ​Open up a savings account - it's always free. While interest rates (the money you get for having your money invested) are fairly lousy right now, it's better than nothing. 
  • Investing in shares is far more complicated, but you can learn some basics without risking money. The New Zealand Stock Exchange (NZX) has an excellent virtual platform which is free (and fun) to use. Investing needs a 5 to 25+ year timeframe, but having an understanding of shares from a virtual portfolio, and having real money in a savings account, is a great way to get smart about money.

Question 1: I’m always being told to save, but what am I saving for?
  • It’s impossible to think about retirement at 16, 17…so don’t. Saving has enormous benefits – having money lets you have choices and freedom. 
  • Everything in life is EASIER when you have money — not saving limits what you can do. Saving as soon as possible helps you tomorrow. Generally, the best 

Question 2: Why does my bank only pay me 1% on my savings when I see them advertising loans for 10%?
  • You may feel short-changed by lending the bank your money and seeing it lent out at high-interest rates.
  • However, the bank takes a lot of risks when it lends money – i.e. it may not be repaid.
  • This is why the riskier the loan, the higher the interest rate. Interest rates will be lower when you buy a house than they will be for buying a car because houses don’t drop in value like cars. The banks want to make sure they don’t lose out, so charge more interest to give them profits.
Money Tips for New Zealand Kids
MoneyHub

There is always more money, and you're not limited to how much you can earn

Whatever your salary may be, this is not your 'financial limit'. If you save and invest, rather than spend and rack up personal debt, your wealth will grow over time. You can then use that money​ that buy what really matters to you. There is no limit of money in the world - how much you make comes down to your choices and how you invest your time and income.
MoneyHub

Avoid credit cards for as long as possible

Banks credit cards and high-interest finance options like the GEM Visa and Q Card all offer credit to anyone 18 or older. But even with a good grip of how credit cards work, it's all too tempting to overspend. Once started, it can lead to debt being dragged around for years to come.

Credit cards are best later on when you are in full-time employment. Banks love to issue credit cards - stay strong, resist and be proud to be above it all. ​​
MoneyHub

No one owes you anything - how much money you will have comes down to YOUR CHOICES

  • If you want to have money, you will only get what you deserve.
  • If you get a trade and start your own business, or go to university and get a good-paying job, what you can save, and how you spend your money, is your choice.
  • Every financial decision, big or small, has consequences. Being financially independent from your parents will let you manage your finances with purpose. For example, if you take on debt, it's up to you to pay it off. Parents all too often bail out their kids, but those kids continue to struggle with money.

Money Tips for New Zealand Kids

Three Important (and Mostly Unknown) Facts About Money:

  1. Working for money, i.e. exchanging your time for an income, isn't the only way to make money. For example, if you start a business and hire people, you can make money from the business, with the work.  
  2. Delayed gratification is essential to get ahead financially. Buying things impulsively to feel better, or giving up on something when things are too hard, means you won't get anywhere. No one is rich or successful overnight. It takes a lot of time, patience and hard work.
  3. The best way to make money is to help others. The most valuable work is that which solves problems. This is why medical work, engineering and legal jobs are well paid when compared to work such as Uber driving and working in a fashion store.
Money Tips for New Zealand Kids

Further Resources - Workshops, Apps and School Activities

If you need further reading beyond the easy-to-action list above, some options exist. By including them in the list below, MoneyHub is not endorsing them in any way.
  • We suggest considering SquareOne, a pocket money/financial literacy app for children - our review has more details.
  • MoneyTime - MoneyTime is an online financial literacy program for children ages 10 to 14. The platform is free in 500+ schools, with paid use-at-home licences available. We suggest reading their dedicated guide for parents to learn more about this innovative platform.
  • Sorted in Schools – This government-led program is being rolled out to schools all over New Zealand - the website outlines what's on offer.
  • Young Enterprise – There are a select number of workshops that fall into the ‘financial literacy’ category, which can be accessed from the organisation’s website. By listing Young Enterprise, MoneyHub is in no way endorsing the business development and challenge programs.

Related Guides:
  • Money In a Nutshell for Teenagers
  • Bank Accounts for Children
  • Student Money Tips​
  • SquareOne Review
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