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 Hamilton
          • Financial Advisers Tauranga
          • Financial Advisers Napier & Hastings
          • Financial Advisers Palmerston North
          • Financial Advisers Wellington
          • Financial Advisers Lower Hutt & Hutt Valley
          • Financial Advisers Nelson & Tasman
          • Financial Advisers Christchurch
          • Financial Advisers Dunedin
          • Lighthouse Financial Services Review
          • Interest Rate Predictions 2025
            • Money Sweetspot Review
            • 20 Property Investment Risks You Can't Ignore
            • Shares vs Property Investment
            • Milford vs ANZ KiwiSaver Growth Funds Comparison
            • Best Performing KiwiSaver Funds
            • Kernel Shares & ETF Investing Review
        • 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
      • NZCB Review
      • Average Building Cost Per Square Metre
      • Cost to Build a New House
      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
      • 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
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  • Banking & Savings
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  • KiwiSaver
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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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15+ Must-Know Money Tips for Any Household Moving to a Single Income

Our exclusive guide outlines everything useful if you're considering transitioning to a single-income household, with proven tips to make your money go further and be spent on things that matter.
Household Living on a Single Income NZ Guide
Updated 2 November 2024

Summary
  • You and your family may be considering going down to one income for whatever reason. The good news is that it's completely normal to do this.
  • If you're moving to single income to look after a child, the returns are arguably going to be significant as one or both of you spend more time seeing your baby grow.
  • While the time one partner spends at home is continuous and has many ups and downs while the other partner works in paid employment, there are many benefits to becoming a single income household.
  • Our guide explains everything you need to know to help you maximise the money you have coming in. It is presented logically to help you achieve quick wins early on and shape behaviour and habits that means your money will go a lot further.

If you have any suggestions that you would like to see published below, please contact our research team.
 
More ideas: Our ways to save guide has 20+ further ideas for cutting back on expenses without reducing your lifestyle and happiness.

MoneyHub Founder Christopher Walsh shares his views:

"Transitioning to a single-income family can be an exciting time if a new baby is on the way, or an uncertain time if the decision is around health issues. Whatever the reason, there is enough support and common sense in New Zealand to help you thrive even though your circumstances change significantly".

"I believe it's best to think of every saved dollar as a form of income. So, for example, every $1,000 you save is like an additional $1,500 of pre-tax income (if you're taxed at 33%). This way, giving up a second car, cutting down on how you spend at the supermarket and many other easy-win ideas become valuable".

"I know that single income households struggle, but there's plenty of government support. Make sure you're in contact with Work and Income - you'll likely qualify for a few benefits that you're fully entitled to collect. Don't forgo these out of pride - it's free money that the government wants you to have".

"I wish you the best in your journey, and do let me know if there's anything you want to be covered that would help single-income families - you can contact me any time".
MoneyHub Founder Christopher Walsh
MoneyHub Founder Christopher Walsh
Household Living on a Single Income NZ Guide

15+ Ways to Make Your Money Go Further as a Single Income Family

moneyhub nz

Visit a local budget advisory service

In a nutshell: Budget Advisors will help you save money. It's like getting a pay rise - they will find where you waste money and help you spend it on things that improve your life.

There are thousands of helpful budget advisors working all over New Zealand, and the service is free and friendly. Many MoneyHub users have engaged with budget advisors and had a positive experience.

MoneyHub Founder Christopher Walsh shares his experience:
"In my role at MoneyHub, I've met many Budget Advisors, and all of them have displayed a genuine warmth and care. The government pumps a lot of money into providing free budgeting services, so there's no reason not to take advantage of their time and expertise".

"Many media stories continue to report the personal finance successes everyday New Zealanders achieve from working with budget advisors. So don't hesitate or feel anxious - they want to help you, and there are no downsides to meeting with them. Please tell them MoneyHub sent you - you'll be welcomed with open arms".

Next steps:
  1. This directory of budget advisors covers every corner of New Zealand.
  2. A budget advisory service works well with a budgeting app for your phone. Our guide to budgeting apps has further details, many of which are free and integrate instantly and securely with your bank account.
Household Living on a Single Income NZ Guide
moneyhub nz

Reduce Food costs with organisation and planning

In a nutshell: Unplanned or sporadic food shopping is expensive and a quick way to spend money you don't have. Worst of all, bad habits are repeated week after week.

To save money and eat better, we suggest getting a meal plan together for your weeks. This helps you buy exactly what you need, reduce costs and food wastage and keep meals varied. We've created a meal planner to help you, and you suggest looking at cheap and flavourful meal ideas online. Our
How to Save Money on Food guide has more details.

MoneyHub Founder Christopher Walsh shares his experience:
"The reality is that meat and dairy, products that New Zealand produces an abundance of, cost more here than most of the world. A block of cheese is now over $10, and meat prices, even cheaper cuts, are going up in price. A recent study indicated the situation was getting worse".

"To combat this, we suggest moving your shopping to discount retailers like fruit shops and Pak'N'Save, which routinely offer the lowest prices per consumer-focused studies". 

"I find some supermarkets in New Zealand eye-watering expensive and wonder how people can afford many of the items on sale. I don't have such a negative reaction in discount retailers". 

Know this: Many MoneyHub users report that Asian speciality shops, located in all main centres around New Zealand, offer lower prices for lentils, rice and other staples. Many of these shops offer such items in bulk, which can mean significant savings compared to Pak'N'Save and other discount supermarkets. Furthermore, we hear from users who suggest joining a Fruit and Vege Co-op (this one in Wellington being an example).

Substitute to save more
Kids favourites like Nachos have become expensive, with mince and cheese costs hitting record highs - you can save the mince, go vegetarian, add beans and reduce the cheese. Many other options can be found online.

A Wellington-based MoneyHub user shares her experience for saving money on food:

"Supermarkets often have 'reduced to clear' deals in their chilled section. You can get some really good deals with these, and anything you don't use can just be frozen for later. The other thing is to stock up on staples like tomatoes, beans and legumes. They are great for bulking out a meal and can be used instead of meat. I am vegan and find it can be quite a cost-effective way of eating. Even having a few meat-free meals a week is a great way to save money. Also checking online on supermarket websites and checking deals can save money".
moneyhub nz

Cut back on out-of-home eating and drinking (it makes a HUGE difference to your finances)

In a nutshell: The costs of eating out with friends are uncontrolled and absolute budget busters. We always want to support small businesses but suggest you do that after returning to double incomes when the costs are affordable.

The reality is going out for dinner with friends is expensive, and you'll rarely spend less than $50 per person by the time drinks are added on. If you're invited to something you must attend, we suggest looking at the menu before you go to avoid over-ordering. Of course, New Zealanders either split things evenly or pay per item - you never know which way it will go, so prepare for both. 


Further to this, cafes and takeaway coffee are convenient pleasures, but it's hugely expensive even for the most modest coffee drinker. $5 a day adds up to $1,500+ a year. This is one of the costs that are not worth it, given the amount of money you have to earn to pay for it.  

Alternatives:
  • Entertain and home: To save money and entertain on your terms, invite people around to your home and cook for them. If you have kids, that's additional money saved on a babysitter too. And the experience doesn't have a bill waiting at the end.
  • Coffee at work: If your workplace has a coffee machine, use it. And brew your own at home - the savings will be significant if you're routinely using petrol stations and cafes.
moneyhub nz

Resist purchases with delayed buying to save significantly on non-essentials

In a nutshell: Unplanned purchases are bank-balance destroyers. If you don't make a rule to avoid them, cash may soon be in short supply.

It's not unusual to want to buy something unessential on the spot. $50 or $200 items add up and, after all, are wants, not needs. If you feel strongly about the item after five days, then you may want to buy it. If you've forgotten about it by then, you've saved money very easily. This is a simple mindset that pays big dividends in the long run, and arguably it can turn into a wealth creator in the long term.
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Sell things you don't need on Trade Me

In a nutshell: If you are sitting on a bunch of stuff you no longer use or need, it is time to convert it to cash before you end up having to give it away for free.

Moving to a single income may mean some spare time to sell down things you know you don't need to hold on to. Trade Me is the perfect place to do that - our guide to selling on Trade Me explains everything you need to know to maximise your sale prices.
Household Living on a Single Income NZ Guide
moneyhub nz

Cutting back on power use

In a nutshell: Electricity is expensive, especially over winter, and forming good habits can save a lot over a lifetime.

Switching will save money: our research and media commentary also confirm it's hard to price, although we are confident in our leading provider selection per city. If you switch to the right provider, we believe you can save 5% to 15% of what you already pay.

Forming good electricity habits is the best way to save long-term. You can save even more if you cut back on power use and be smart about when you use it. Top tips include:
  • Turning off unnecessary power – appliances on standby, hot water cylinders when you go away for more than a few days etc. Also, turning the lights off when you leave a room seems obvious, but many people don't do it. Small savings add up.
  • Reduce use – long showers can add up, baths are even more costly, and fan heaters are money evaporators. It's also worth considering to open windows rather than use aircon, and light a fireplace (if you have one) rather than run a heat pump.
  • Be smart - If you have a free power hour or similar, form good habits by using it to run the washing machine, dishwasher, heat up a room before sleeping and whatever else sucks up the electricity. There's no shame in being savvy, and the change in behaviour is almost certainly going to make you feel happier and more aware of how you spend your money.
moneyhub nz

Switch jobs for an immediate pay rise

In a nutshell: New Zealand employers are usually reluctant to give pay rises on request. Many try and ask; few have succeeded. The best way to get a pay rise is to switch jobs.

Despite high inflation, wages in New Zealand struggle to keep up. Many employers, suffering from increasing costs, don't increase wages for their staff at levels that help keep up with inflation. Negotiating a raise is one option, but most people switch jobs to increase their take-home pay. In most cases that is easier and helps career growth.

What to do: Our guides to CVs, interview questions and improving your LinkedIn profile help with the process. You may however want to delay a move just in case your job security is threatened, especially given New Zealand's current economic uncertainty.
moneyhub nz

Investigate assistance from Work and Income

In a nutshell: Many New Zealanders don't utilise help from Work and Income, even though they qualify. Assistance is, by law, available to those who qualify - and plenty of hard-working families are missing out on money that the government expects them to apply for.

We suggest starting with Working for Families, which offers Best Start Payment, Family Tax Credit, In-work Tax Credit, Minimum Family Tax Credit, Accommodation Supplement and Childcare Subsidy. Dealing with Work and Income may be unfamiliar - our guide to getting what you need outlines everything you need to know.


MoneyHub Founder Christopher Walsh shares his view:
"Work and Income has a very negative reputation throughout New Zealand, but ultimately it does function as it's designed to given it hands out billions of dollars every year to needy New Zealanders. You may have had a bad experience in the past, but as a working family you are entitled to support and in many cases you will qualify. I urge you to get in contact with Work and Income and see what you can get".
Household Living on a Single Income NZ Guide
moneyhub nz

Re-shop phone plans

In a nutshell: Too many New Zealanders waste too much money on phone plans - don't join them.

Many New Zealanders don't use anywhere close to their monthly data and minutes allowance. We suggest looking at our SIM-only mobile plan offers to help you find the right data and text/minutes plan for your needs. Skinny, for example, offers free calling between Skinny customers, reducing the costs of phoning within your family if you were to all switch to Skinny. Warehouse Mobile and Kogan are other examples of discount mobile plan providers that challenge the network operators and deliver outstanding value for money.
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Take more adventurous holidays (that cost less)

In a nutshell: Life in New Zealand can be even better when you take holidays in the outdoors. It's also remarkably cost-effective and offers tremendous value for money.

New Zealand has some of the world's most scenic and best-equipped camping grounds. They're usually in great positions (on a beach or by a lake), and best of all, you can cook your food and avoid endless restaurants and means a holiday on your terms.

MoneyHub Founder Christopher Walsh shares his views:
"Motels and hotels, dinners out and activities cost a lot of money, especially when kids are involved. I'm a huge fan of camping grounds, and best of all, they've never been easier to access. Picking up a used tent on Trade Me and all the stuff that goes in it will cost you around $400, the price of two nights in a motor lodge for the average-sized Kiwi family. You've then got flexibility and adventure and a powered site for around $40 or $50/night. In many places, it's even cheaper.

"I love staying at camping grounds - I find them completely underrated and located in some stunning places. DOC has a great selection all around New Zealand to compliment the privately-owned operations, many of which have unbeatable locations. Kids get to play with other kids, there's always something happening, and even if it rains (and rains hard), it's still an adventure (although perhaps in hindsight)".

"As mentioned, the savings are huge - kids aren't confined to a motel space but instead have a family adventure, and there are often many benefits like playgrounds, beaches and interesting walks nearby. I don't see any downside, other than avoiding most of the South Island in winter, and even if you're washed out in summer, the kids will remember and laugh about it for years".
moneyhub nz

Set up an emergency fund

In a nutshell: Setting up an emergency fund will save you from expensive short-term debt should something significant happen and you need money quickly.

Dropping to a single income and contributing $50 a week into a savings account to help you buffer unplanned expenses never has any downsides. If you can save up to 3-6 months of expenses, you have more protection from whatever headwinds come your way. It's a lot to put together, but if you're still double income, now is the time to do it. The benefits and comfort of having a mini nest egg later on cannot be exaggerated.

Next Steps: Our guide to emergency funds has more details.
moneyhub nz

Re-shop your broadband provider

In a nutshell: Broadband prices vary wildly, even though New Zealanders all use the same cable or fibre network. There's no need to overpay when the product between providers is near-identical.

Every year it's worth reviewing broadband plans to see if you can get a better price - it's almost certain you will. Broadband providers offer this to entice new customers. You don't need to be loyal when your fixed contract period ends either. Instead, it's time to re-shop. You may also want to share good deals with friends and family by way of a referral code to earn further discounts or credits.

Next Steps:
Our broadband comparison lists the latest deals to help you decide what's right for you.
moneyhub nz

Re-Shop Insurance and Prepay Annually, Not Monthly

In a nutshell: Insurance is almost always cheaper when you do two things - compare prices and pay annually. If you make the effort to compare, it is likely you will save around $100 to $200 per policy per year. In some cases you may save a lot more.

Our research of car and home insurance suggests policies are similar between well-known insurers, which means the cheapest may be the best option in many cases. Paying for an entire year of cover may be a significant outlay upfront, but it's almost always the cheapest way.

Next Steps: Our guides to car insurance, home insurance and contents insurance have more details.
Household Living on a Single Income NZ Guide
moneyhub nz

Reduce subscriptions

In a nutshell: You can easily save $500, $1,000 or even more a year by giving up on subscriptions you don't need or use. Companies love 'recurring revenue' as they know customers seldom make an effort to cancel. However, unless you see the value and actively use the service, we suggest cancelling the subscription.

The best way to find out what you subscribe to is to audit your most recent credit card bill and list of direct debits and pick out the items to chop out. Once identified, simply login to the service and click 'cancel' or call them up if that's easier. These services and products may include:
  • Sky TV – one of the most expensive subscriptions in New Zealand that's rapidly falling out of favour. $50/month for a basic package with some movie options or sport adds up to over $600 a year.
  • Streaming networks (do you need them all?) – Lightbox, Netflix, Amazon Prime…do you have time for more than one? The crowd favourite remains Netflix, with plans from around $150/year (going up to around $275 for multi-devices). Our guide to streaming services highlights the many options available for free.
  • Magazines you don't read – If you're not reading what you're paying for, cancel the subscription.
  • Food and Wine – are you eating and drinking what is delivered? If not, cut back and save. 
  • Dropbox – do you have a free plan but receive regular notifications to upgrade as you hit 2GB? It's around NZ$200/year if you do, but you can 'earn' more space by referring friends. If that doesn't work for you, delete some stuff you don't need.

Estimated savings: Anything from $200 to $2,000 a year, depending on what you currently subscribe to.
moneyhub nz

Consider selling your second car

In a nutshell: Don't underestimate the costs of running a second car, especially as you move to a single income.

Car ownership is expensive - if your family has two cars, would you be OK with one? When you sell a car, you'll not only get a sum of money, but you'll save a lot of ongoing costs. There will be no more WOF, repair costs, insurance and petrol station shocks. If you're a young family and one parent is commuting by public transport anyway, it's worth looking into. Many families do just fine with one car - we suggest strongly considering it.


Next Steps: Our guide to car valuations helps estimate what your car is worth, which may incentivise you to sell it altogether.
moneyhub nz

Learning to Cook (and get inspiration from YouTube)

In a nutshell: YouTube mums arguably are the world's experts to pre-empt the question "what's for dinner?" You can benefit from their years of work by watching a few videos to help you plan with precision.

We suggest watching the following videos to get some ideas for low-cost, simple meals that feed families and are also nutritious:
  • Preparing a week of dinners
  • Pre-making freezer meals
  • Meals made in 10 minutes
  • Fussy eater meals
  • Preparing a full week of meals in two hours

Know this: Bringing lunch to work is essential to save more money, and is pre-packing lunch for children to avoid expensive buy-at-school meals. YouTube has all the answers and makes planning easy and efficient.
moneyhub nz

Reduce overdraft fees by switching to be better bank account

In a nutshell: Overdraft interest rates and fees are huge, and being in overdraft for an average of $2,000 a year can cost up to $500 in interest and fees and charges. This is a total waste of money and one you can easily avoid permanently with some sharp decisions.

Our 
guide to bank overdrafts shows that charges differ massively; some charge 10%, others as high as 23%. The good news is that joining a new bank offering a low-interest overdraft is easy and painless and will certainly help you save money right away.

Our guide to cutting overdraft costs compares the best (and worst) bank deals available right now.

Estimated savings: $200 to $300 per year. This is based on your overdraft interest rate falling from around 20% to 10% and an average overdrawn balance of $2,000 to $3,000. If your overdraft is often more, your savings will be higher.
Household Living on a Single Income NZ Guide
moneyhub nz

Get rid of credit card debt with a balance transfer, low-interest deal (or cut the card up altogether), and use cash where possible

In a nutshell: Credit card interest is outrageously overpriced and completely unaffordable for single-income families. We suggest getting rid of it today. If you can live without a credit card it's likely you'll be able to save even more as there won't be the means to pay for temptations or unnecessary items.

Although COVID measures encourage contactless payments, consider using cash so you know where all of your money is going. We believe it's very easy to tap your way to an overdraft or credit card limit, but establishing a good relationship with money is easier when you use physical cash to make purchases.

Next Steps: If you pay $150 per year for a credit card and then 20%+ interest on balances, you are wasting far too much money and a credit card probably isn't in your best interests. We strongly suggest considering a balance transfer credit card which will move debt to a 0% (or close to 0%) p.a. card. You can then pay back the balance until it's cleared without wasting any money on interest costs. Going "credit card free" while you raise a family is arguably a great way to do things. We believe kids pick up on all sorts of financial behaviours. Being card-free teaches your children that they don't need a credit card and saving up and buying things is far more sustainable.

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        • Guides
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          • Other Coins
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  • Loans & Finance
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      • Car Finance Must-Knows Guides
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    • Credit Scores & Interest Rates
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  • Insurance
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      • Reviews & Policy Comparisons
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    • Compare Pet Insurance
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    • Students Insurance
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      • Health Insurance
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        • BMI Calculator New Zealand
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        • What to Do When a Spouse or Partner Dies
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  • Credit Cards
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    • Air New Zealand Airpoints Credit Cards
      • Kiwibank Airpoints Cards Ending – Best Replacement Options
      • ANZ vs AMEX vs Westpac Platinum Airpoints Credit Cards
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    • Balance Transfer Credit Cards
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    • Reviews
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        • American Express Gold Rewards Card Review
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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
        • Valuing AMEX Membership Rewards Points
        • AMEX Dining Collection Program Review
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
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        • Emirates Skywards Credit Cards
        • RewardPay Review
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    • Guides
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    • Other Credit Cards
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      • Q Card & Q Mastercard Review
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  • Travel Money Cards
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      • Revolut vs Wise - Which Is Better?
      • Travelex Money Card vs Wise Debit Card Comparison
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    • Travel Money By Country
      • Top Travel Destinations Where the NZD is Strong Right Now
      • Australia Travel Money
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      • United Arab Emirates Travel Money
  • Banking & Savings
    • Banking
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      • Private Banking
      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
    • Savings
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      • Booster Savvy Review
      • Booster Savvy Analytics Review
      • Best PIE Term Deposits
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      • Term Deposit Alternatives
    • Guides and Resources
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      • NZ Bank Prefix Codes
    • Reviews
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      • Heartland Bank Review
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      • The Co-operative Bank NZ Review
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  • Mortgages
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      • Revolving Credit Mortgages
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      • Fixed vs Floating Mortgage Rate Calculator
      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
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      • 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
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      • 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
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      • 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
      • NZCB Review
      • Average Building Cost Per Square Metre
      • Cost to Build a New House
      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
      • Free $500+ Government Money for KiwiSaver
      • Our Favourite KiwiSaver Funds
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
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      • 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
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    • KiwiSaver Contributions & Tax
      • Your KiwiSaver Contributions
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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
      • KiwiSaver Hardship Applications
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    • KiwiSaver Schemes
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      • Generate KiwiSaver Scheme
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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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      • New Zealand Defence Force KiwiSaver Scheme
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      • Pathfinder KiwiSaver Review
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      • Summer KiwiSaver Scheme
      • 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
    • 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
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      • 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
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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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      • Asia
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      • Americas & Africa
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      • Europe
        • France Travel Insurance
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        • UK Travel Insurance
    • Specific Risk Cover
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    • Travel Insurer Reviews
      • Southern Cross Travel Insurance Review
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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
    • 2degrees Mobile Review
    • One NZ Mobile Review
    • Kiwi Mobile Review
    • 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
      • 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
      • How Much Money Do You Need to Retire Comfortably in New Zealand
      • Retirement in a Nutshell
      • Retirement Money Drawdown
      • Financial Freedom by 50
      • How to Maximise Income in Retirement
      • 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
      • Debt Help
      • 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
      • Hosting International Students
      • How to Sell on Fiverr
      • Trade Me Selling Tips
    • Kids Eat Free
    • Prezzy Cards
    • Meal Kits & Supermarkets
      • My Food Bag vs HelloFresh vs WOOP vs Bargain Box Comparison
      • HelloFresh Review
      • My Food Bag Review
      • Bargain Box Review
      • Woop Review
      • Online Supermarkets
      • Save Money on Food
      • Supermarket Christmas Clubs
        • Countdown Christmas Club Vouchers
        • New World Christmas Club Review
        • PAK'nSAVE Christmas Club Review
    • Entertainment
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      • Netflix Review
        • Best Netflix Movies
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      • Amazon Prime Video Review
        • Best Amazon Prime Movies
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      • Disney+ Review
      • Apple TV+ Review
    • Consumer Rights
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