MoneyHub NZ
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  • Investing
    • Investing Platforms
      • Reviews
        • Sharesies Review
        • Hatch Review
        • Stake Review
          • Stake Black Review
        • Tiger Brokers (NZ) Review
        • Superhero Review
        • BlackBull Markets Share Trading Platform Review
        • ASB Securities Review
        • Invest Direct Review
        • InvestNow Review
        • Kernel Review
        • Kernel Shares & ETF Investing Review
        • Interactive Brokers
        • Smart Review
        • Catalist Review
      • Comparisons
        • Sharesies vs Hatch vs Stake
        • Kernel vs Smart
        • Hatch vs Stake
        • Hatch vs Tiger Brokers
        • Sharesies vs Tiger Brokers
        • Stake vs Tiger Brokers
        • Comparing Sharesies vs Investnow vs Hatch vs Invest Direct and more
        • Best Investment Apps
        • How Do I Start Investing?
        • Virtual Stocks and Shares Trading Games
      • Guides
        • How to Invest in Shares
        • Investing 101
        • Investing in Vanguard Funds from New Zealand
        • Investing in the US Stock Market from New Zealand
          • How To Buy Tesla Shares
          • How To Buy Apple Shares
          • How To Buy Amazon Shares
          • How To Buy Alphabet Shares
          • How To Buy Netflix Shares
          • How To Buy Microsoft Shares
          • How To Buy Meta Shares
        • US Extended Hours Trading Explained
        • What Happens If Your Investing Platform Shuts Down?
        • Fractional Shares
        • Transferring Share Portfolios
        • How to Read and Understand a Share Chart
        • NZX in a Nutshell
        • Investing in the ASX from New Zealand
        • Investing in Asian Markets from New Zealand
        • Understand Gross vs Net
        • How to Attend the 2026 Berkshire Hathaway Annual Shareholders Meeting
    • Introduction to Investing
      • Guides
        • Index Funds
        • ETFs (Exchange Traded Funds)
        • Cash Funds
        • Index Funds vs ETFs
        • 10 Ways to Invest in New Zealand
        • Compound Interest Explained
        • How to Invest Regularly
        • Passive Investing vs Active Investing
        • Investments You Can Own Forever
        • Investing Mistakes
        • Investing in the S&P 500 from New Zealand
        • Best Retirement Income Products in New Zealand
        • Shares vs ETFs
        • Shares vs Property Investment
        • Dollar Cost Averaging Guide
        • Margin Lending and Loans Explained
        • Borrowing to Invest in Property, Shares or Funds
        • Passive Income Strategies
        • How Wealthy New Zealanders Invest Their Money
        • The Best Way to Invest Inheritance or a Windfall
        • Barefoot Investor-Friendly Financial Products in New Zealand
        • Investment Terms Glossary
        • IPOs
        • Investing in Dividend Shares
        • Common Shareholder Numbers in New Zealand
        • Shorting a Stock
        • Investing vs Trading vs Gambling
        • Investment Strategies for the Time-Poor
        • Advanced Trading Concepts
        • New and Emerging Investment Opportunities and Trends
      • Young People and Investing
        • Investing for Kids
        • Investing For Grandchildren
        • 10 Top Investments for Young New Zealanders
        • Sharesies Kids Accounts Review
        • SquareOne Review
        • Dosh Review
      • Investing Calculators
        • Term Deposit Calculator
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing
      • Guides
        • Managed Funds
          • Pie Funds Management Review
          • Booster Private Land and Property Fund Review
          • AMP Managed Funds Review
        • Our Favourite Managed Funds
        • Advisers
          • Financial Advisers Overview
          • DIY Investing vs Investment Brokerage Firms vs Financial Advisors
          • Financial Advisers Auckland
          • Financial Advisers Hamilton
          • Financial Advisers Tauranga
          • Financial Advisers Napier & Hastings
          • Financial Advisers Palmerston North
          • Financial Advisers Wellington
          • Financial Advisers Lower Hutt & Hutt Valley
          • Financial Advisers Nelson & Tasman
          • Financial Advisers Christchurch
          • Financial Advisers Dunedin
          • Lighthouse Financial Services Review
        • Bank Credit Ratings
        • 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
      • Money Sweetspot Review
      • Nectar Review
      • Avanti Finance Review
      • Save My Bacon Review
    • Credit Scores & Interest Rates
      • Credit Scores and Credit Checks
      • How to Build Credit in New Zealand
      • How to Pay Down Debt Faster
      • Baycorp and Debt Collection
      • Interest Rates Guide
      • Interest Rate Comparison
      • Buy Now Pay Later Apps
        • Afterpay Review
        • Laybuy Review
        • Humm Review
        • Zip Review
  • Insurance
    • Compare Insurance
      • Compare Car Insurance
      • Car Insurance by Vehicle
        • Compare Toyota Aqua Insurance Costs
        • Compare Toyota Corolla Insurance Costs
        • Compare Toyota Hilux Insurance Costs
        • Compare Mazda2 and Demio Insurance Costs
        • Compare Ford Ranger Insurance Costs
        • Compare Nissan Navara Insurance Costs
        • Compare Subaru Legacy Insurance Costs
      • Reviews & Policy Comparisons
        • AMI vs AMP vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
        • Cove Car Insurance Review
        • 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
      • Interest Rate Predictions 2025
      • How Much Can I Borrow?
      • Debt to Income Ratios
      • Equity (and Leverage) Calculator
      • Mortgage Repayment Calculator
      • Mortgage Options
      • Mortgage Cashback
    • Other Mortgage Options
      • Interest-Only Mortgages Guide
      • Interest-Only Mortgage Calculator
      • Revolving Credit Mortgages
      • Offset Mortgages
      • Offset Mortgage Calculator
      • Fixed vs Floating Mortgage Rate Calculator
      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
      • Low-Deposit Home Loans
      • Rent to Own Homes
      • First Home Loan Guide
      • Reverse Mortgages
      • Lifetime Home Review
    • Mortgage Management
      • Saving for a House Deposit
      • Saving for a House Deposit as a Young Professional
      • Buying a Home with Family and Friends
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • What To Do if You Bought a House at the Peak of the New Zealand Market
      • Tips for Seniors Renting or Paying Down a Mortgage
      • Remortgaging Guide
      • Mortgage Relief and Holidays
      • Amortisation Calculator
      • Mortgage Break Fees
      • Defaulting on a Mortgage
      • High Deposit Mortgages
      • Negative Equity
      • How to Manage Higher Mortgage Payments
      • Mortgage Refinance Calculator
    • Mortgage Brokers
      • Mortgage Brokers Explained
      • Trusted Auckland Mortgage Brokers
      • Trusted Hamilton Mortgage Brokers
      • Trusted Mortgage Brokers in Tauranga
      • Trusted Mortgage Brokers in Napier and Hastings
      • Trusted Mortgage Brokers in Wellington
      • Trusted Mortgage Brokers on the Kapiti Coast
      • Trusted Mortgage Brokers in Christchurch
      • LifeDirect Mortgages Review
    • Buying a Home
      • First Home Buyers Checklist
      • Home Buying Glossary
      • Best House Price & Valuation Websites in New Zealand
      • New Zealand Property Types
      • Rateable Value vs Market Value
      • Leasehold Property Guide
      • Conveyancing vs Lawyers
      • Buying an Apartment in New Zealand
      • Buying vs Renting a House
    • Selling a Home
      • How to Sell Your House Privately
      • Real Estate Agent Fees
      • Bridging Finance
    • Property Investment
      • Investment Property Mortgages
      • 20 Property Investment Risks You Can't Ignore
      • Renting Directly to Tenants vs Using an Agent
      • Interest Deductibility Changes
    • Building a House
      • NZCB Review
      • Average Building Cost Per Square Metre
      • Cost to Build a New House
      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
      • Our Favourite KiwiSaver Funds
      • Best Performing KiwiSaver Funds
      • Milford vs ANZ KiwiSaver Growth Funds Comparison
      • Free $500+ Government Money for KiwiSaver
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • How Aggressive Should KiwiSaver Be
      • Choosing Your KiwiSaver Scheme
      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • KiwiSaver Must-Know Facts
      • Opting out of KiwiSaver
      • What Do I Do With My KiwiSaver When I Retire?
      • KiwiSaver Withdrawal
      • Merging KiwiSaver and Australian Super Balances
      • Switching KiwiSaver Funds
      • KiwiSaver Robo and Digital Advice Tools
      • Ethical Kiwisaver Funds
      • KiwiSaver Private Equity Investments
    • KiwiSaver Contributions & Tax
      • Your KiwiSaver Contributions
      • KiwiSaver Contributions - Gross or Net?
      • Employer KiwiSaver Contributions
      • Government KiwiSaver Contributions
      • KiwiSaver Savings Suspensions
      • Voluntary Contributions
      • What's My PIR?
      • KiwiSaver and Tax
    • KiwiSaver for Life Events and Specific Situations
      • Average KiwiSaver Balance by Age
      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
      • KiwiSaver Hardship Applications
      • KiwiSaver in a Divorce or Separation
      • KiwiSaver for Kids
    • KiwiSaver Schemes
      • Amanah KiwiSaver Scheme
      • AMP KiwiSaver Scheme
      • ANZ KiwiSaver Scheme
      • ASB KiwiSaver Scheme
      • AON KiwiSaver Scheme
      • BNZ KiwiSaver Scheme
      • Booster KiwiSaver Scheme
      • Fisher Funds KiwiSaver Scheme
      • Generate KiwiSaver Scheme
      • InvestNow KiwiSaver Scheme
      • Pie KiwiSaver Scheme Review
      • Kernel KiwiSaver Review
      • Kernel KiwiSaver Plan vs Superlife KiwiSaver Scheme
      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • SBS Wealth KiwiSaver Scheme Review
      • MAS KiwiSaver Scheme
        • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • GoalsGetter KiwiSaver Scheme
      • Pathfinder KiwiSaver Review
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
      • KiwiSaver Calculator
      • KiwiSaver Returns Calculator
  • Business
    • Compare Business Loans
      • Business Line of Credit
      • Business Borrowing Options
      • Small Business Loans
      • Operating Leases
      • Finance Leases
      • Operating Leases vs Financing Leases
      • Car Loan Repayment Calculator
      • Prospa Business Loans Review
      • Bizcap Business Loans Review
      • Taxi (Business Funding) Review
    • Business Insurance
      • Public Liability Insurance
      • Professional Indemnity Insurance
      • Business Interruption Insurance
    • Wise Business Account Review
    • Business Credit Cards
    • Business Essentials
      • Money Saving Tips For Businesses
      • Get Debtors to Pay Overdue Invoices
      • Working Capital
      • Liquidations and Receiverships
      • Can't Make Payroll Guide
      • Buying out a Business Partner
      • Business Brokers
    • PAYE & Taxes
      • PAYE Calculator
      • PAYE Tax Rates 2025 & 2026
      • Minimum Wage
      • Tax Codes in New Zealand
    • Business Calculators & Resources
      • GST Calculator
      • GST Due Dates 2025
      • Business Loan Calculator
      • ROI Calculator
      • IRR Calculator
      • Internal Rate of Return
      • Percent Off Calculator
      • Profit Margin Calculator
      • Current Ratio Calculator
      • Quick Ratio Calculator
    • Online Services
      • Domain Names
      • Trusted Web Designers
        • Auckland Web Designers
        • Hamilton Web Designers
        • Wellington Web Designers
        • Christchurch Web Designers
        • Tauranga Web Designers
        • Lower Hutt Web Designers
        • Dunedin Web Designers
      • Digital Identity Programs and Online Verification Tools
      • Trusted Auckland SEO Companies
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
      • Retail Security Options and Costs
    • For Startups
      • How to Start a Business in New Zealand
      • Raising Capital
      • Product Market Fit
      • Crowdfunding vs Bank Financing
      • Blackbird vs Movac
      • How to Become an Angel Investor
      • How to Raise Money from Angel Investors
      • Alternatives to VC Funding
      • Hiring for a Startup
      • VCFO (Virtual CFO)
      • New Zealand Startup and Founder Incubators
      • Expanding Offshore
      • New Zealand Invoice Template
      • Business Podcasts
  • 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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  • Essential Money Tips
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  • Trade Services
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50 Student Money Maximising Tips

Exclusive tips to make your money go further while you study
student money saving new zealand
Updated 5 April 2025
​

Whatever your financial situation, with a little planning you can avoid becoming the broke student stereotype and the stresses that go with being low in cash. Our guide tells you how to make your money go further, and EFTPOS declines and 2 Minute Noodle dinners will become a thing of the past.
 
MoneyHub has put together a checklist of 50 money empowering tips to help you stretch the student dollar for the time you’ll spend at university or any tertiary study. Many of them are easy, quick wins that will make a difference to everyday student life.

Our 50 student money empowering tips include:

  • ​Get free money for studying
  • Get the best student bank account that doesn’t sting you
  • Make sure your student loans/allowances are set up correctly
  • Get free stuff from big companies
  • Evaluate whether you need insurance
  • Register for Student Job Search for one-off opportunities that suit your study timetable
  • Look for part-time work within your university as it pays higher
  • Book travel home in advance at the best price
  • Save 40%-60% on weekly groceries
Student Money Tips NZ

Get free money for studying

Scholarships are commonly misunderstood. They’re not just for the smartest students in the class, but for a range of talents, academic results, ethnic backgrounds, home city and community involvement. Our Scholarship guide outlines everything that’s available to Year 13 students. If you’re in your final year of secondary school, take time working through this page as it covers every university in New Zealand. We update the scholarship guide regularly, and it is surprising what’s available.

Even if you’re not the best student, don’t be intimidated to apply - it's a fact that many niche scholarships go un-awarded every year due to lack of applicants.  Our guide covers everything you need to know to give your best chance of scholarships success. 

​Already at university? 
If you’re already studying at university, look at the website of your department or faculty on your uni's website. There is a high probability that academic scholarships will be on offer. If you don't see any, email the administration of the office to check, and email the careers office too as they will be aware of anything available. Just mention your major and current classes and they can advise accordingly.

Scholarships very much follow the principle of 'if you don't ask, you don't get'. So ask.
Student Money Tips NZ

Get the best student bank account that doesn’t sting you

Banks love enticing students to sign up with their student accounts offering 0% overdrafts, hoping to keep them as customers for years to come. Be wary; many student bank accounts have hidden fees in the fine print. Our student bank account guide outlines the best student bank accounts on offer. 

To make life easier, applying for the largest interest-free overdraft is a popular choice. It’s (effectively) free money and always good to have available should you need it. First-year students get up to $1,000, and after that, it’s around $2,000. 

One golden rule – NEVER exceed your approved overdraft limit. You’ll be charged high fees, interest and penalties, and they may trap you in a debt cycle. Be smart and tell your bank that under no circumstances do you want an “un-arranged” overdraft. Get this in writing – it’s better to be declined at the pub than get a nasty surprise.​
Student Money Tips NZ

Conserve your money - don’t hit the shops like you just got paid

It’s very easy to go shopping or have an entertainment blowout when you get your student allowance, regular loan payment or assistance from family. Our advice is simple: don’t do it. You need to make your money last, and student finances can be stretched when unplanned expenses happen. Resist the temptation to spend big on items that you don't need and instead stick to your budget and be happy.
student discount
Student Money Tips NZ

Keep an eye out for student discounts, or ask

Many local eateries and shops around universities offer student discounts. Look for advertising outside the shop or in the window; if you don’t see it, ask if they do it. Even a 10% discount on $10 soon adds up.
Student Money Tips NZ

End of Day Discounts

As restaurants and cafes become more conscious about food waste, ask around to see if there are 'end of day' deals like 50% off. Cafes around New Zealand have begun to offer specials, and if you know the times, it can be a cheap way to snack between studies.
Student Money Tips NZ

Brew your own coffee

The markup on coffee beans to a cup is about 1000% - save hundreds of dollars a year by brewing your own and using a reusable travel coffee mug. It’s better for your bank balance and environmentally friendly. 

Claire, a MoneyHub reader, explains it best:
"I can't believe how much I spent on coffee in my first year. With every purchase around $4 (or $7 if I included a cake), I worked out I spent over $1,000 which was insane. I started to make my own and have never looked back. Coffees out are only a social thing now".
student money saving new zealand
Student Money Tips NZ

Don't buy new textbooks – buy or borrow them secondhand

Every semester, your course will advise what textbooks you need. Some of them are free, but most are serious budget-busters - an eye-watering $70 to $100+ per book can be the norm. There is no reason to be sentimental about books; buy them secondhand to save money outright. University bookshops stock second-hand books, as do private sellers listed on noticeboards around campuses. You may also want to ask the seller if they have their notes as well. TradeMe and local campus Facebook groups are good hunting grounds for books. 

Max, a MoneyHub reader, shares his experience:
​“For some (misguided) reason I felt sentimental about my textbooks, refusing the sell them at the end of the year. When I graduated, I had a lot of useless books and no way to sell them; most of the classes I took had progressed over the four years I was at uni and now used new books. That probably cost me $2,000 and I had to dump the books. Not a great moment.”
Student Money Tips NZ

Consider asking your parents to help you

It’s a very sensitive subject, and young New Zealanders often shy away from having an upfront conversation with their parents about tertiary study support. Many parents won’t be able to afford to offer any support, which is perfectly reasonable. If that’s the case, you may qualify for a student allowance. No matter what your situation, a contribution from your parents will in most cases make a significant difference to your student life. With fees covered by the government and/or student loans and the student allowance/loan being fixed below the cost of living, an extra $25-50 a week during your term time can make a world of difference. Of course, it all depends on the financial situation of each parent.
Student Money Tips NZ

Bag Microsoft Office 365 for free, as well as 1TB of storage space

Microsoft offers a full version of Office 365 (which includes popular applications like Word, Excel and Powerpoint) to any full-time or part-time student at an academic institution with a school-specific email address provided by the school (for example, @auckland.ac.nz) that can receive external email. Almost all NZQA-accredited universities and colleges offer this deal throughout the country (see the University of Auckland's offer), making it a no-brainer and providing big savings on essential software costs. 
​
​If you’re not interested in the free Microsoft Office offer, OpenOffice is free to download and offers a word processor, spreadsheet, presentation and database software package. Read more about it and download it here.
student money saving new zealand
Student Money Tips NZ

Get Dropbox for FREE

Dropbox is a very easy way to share files and backup everything on your computer. Rather than pay for cloud storage, you can sign up for Dropbox and get 2 GB free. Promotions have previously been offered by Microsoft for 100 GB of FREE storage space using their onedrive platform. Search on Google to see if any promotions are available when you need such a cloud-based service.
Student Money Tips NZ

Sign up for university clubs

Not only will you meet new friends and break up the study routine, many clubs also offer subsidised activities given their group discount buying power. There are clubs for everyone and almost everything - signing up at the start of the year may be cheaper too. There is usually something for everyone; political parties, cycling clubs, sports clubs, religious clubs and dozens of others.
Student Money Tips NZ

Distinguish your “wants” from your “needs”

Everyone has both “wants” and “needs” in life - most are easy to tell apart. But in some instances, our wants become so compelling that we think they are needs. Before making any purchase, ask if you want or need the item. It's most likely lots of things you are considering are actually wants.
Student Money Tips NZ

Know the pros and cons of renting from an agent or directly through a landlord

Whatever you decide, there are pros and cons of each, described in detail below. It's important to be organised to save time and money - having the deposit ready in advance means you won't need to scramble at the last minute. 

Renting from an agent
Pros:
  • Professional contact, available during working hours 
  • The agent will have approved contractors to fix issues quickly
  • The agent is reputation-focused, meaning they want to keep you, their customer, happy
Cons:
  • The agent may run a credit check - make sure your credit history is accurate by following our credit report guide
  • Can be more expensive than a private rental, given the agent charges a fee to the landlord 

Rent from owner
Pros:
  • Can be cheaper than an agent
  • Direct line of contact if and when you need something fixed
Cons:
  • Sole responsibility is with the owner - if they are away or cannot be contacted, you are on your own unless there is a backup point of contact
  • Risk of unprofessional behaviour, instances of 'if you don't like it, move out' occur. 

Confirming your identity
Whether you with an agent or private landlord, both will expect you to prove your identity, show that you are reliable and that you can afford the rent. To save time and secure your property, and not let friends down, have the following documents ready:
  • Recent bank statements
  • Your education enrollment documents
  • A reference from an employer if available
student money saving new zealand
Student Money Tips NZ

Be a Rental Rights Guru

The media continues to report stories about dodgy landlords who appear to be a law to themselves when it comes to enforcing the rights of tenants. The government's useful outline of the rights and responsibilities of landlords and tenants makes everything clear. If there is an ongoing issue in your student flat that the landlord has not fixed, and you want something to change, make an appointment with the Citizens Advice Bureau (CAB). The CAB is a free service located in all major cities who can best advise what to do to resolve the problem.  
Student Money Tips NZ

Pick the cheapest power provider - many offer sign-on bonuses

​If you’re living in a flat, you’ll have to pay for your power which can cause some dramas when the bill comes. Your electricity isn’t connected to your landlord, so you’re free to choose whoever is cheapest. Flick Electric is one company offering wholesale pricing for electricity - this can save a lot of money in the summer months and, providing there are no electricity shortages, offer value for money during winter.

Power costs vary according to which energy retailer you use – use Consumer Powerswitch to compare what’s best for your flat. The Energy Efficiency and Conservation Authority (EECA) has lots of useful tips on how to keep your heating costs down.
Student Money Tips NZ

Try to avoid lending money to friends/flatmates

This isn't about being a Scrooge; it's about being sensible with your money and saving friendships from tension. When it comes to loaning your friends money, many people would recommend you just don’t do it. No matter how small the loan is, it will probably annoy you to see it unpaid and/or unmentioned for some time. Lending money can also damage a friendship if the repayment drags out or they ask for more. It is usually better to say no, explaining your own financial needs, rather than say yes and run the risk of repeatedly being asked for more.
 
Sarah, a MoneyHub reader, shares her experience:
​"I made the mistake of lending to a friend at university. It turned into a real pain – my friend wouldn’t acknowledge the loan for a while which annoyed me, then she suggested I come to the supermarket with her once there offered to pay for my groceries as a way to repay the loan. Not suitable for my timetable or own money needs. In the end, I got a bit boozed and told her I needed it now, and surprisingly I got it in full a couple of days. The situation wasn’t desirable for either party really, and it was the last time I lent anyone money".
Student Money Tips NZ

If you’re flatting, set up a flat account

Many banks offer free accounts that aren’t necessarily student accounts; an example is the Kiwibank Free-Up account. Because your flat will incur joint costs like power, internet, Netflix etc and household expenses if you cook together, it makes things easier if you agree to transfer $30-$50 a week to cover the basics. At the end of the year, once all bills are paid, what’s left over can be shared among everyone. This is proven to be the fairest, easiest and cheapest way to run a flat’s finances.
student money saving new zealand
Student Money Tips NZ

Do a proper budget

This is probably the most important tip of all. Money is limited as a student, and you run a serious risk of running out of cash without a budget. StudyLink has useful examples of the costs in major cities around New Zealand. It's important to know your expected costs before you need to pay them - you can put money aside and avoid nasty surprises.
Student Money Tips NZ

Consider a furnished flat; it may work out cheaper

A furnished flat may cost a bit more per week, but if you’re in your final year or don’t want the hassle of moving your stuff every year, a furnished flat may end up being cheaper. Many private landlords offer furnished flats and don’t charge much of a premium for it. Conversely, if you have existing (low-value) furniture and find a furnished flat that ticks all the boxes, it may be worth to sell off your furniture and keep the money for something else.
Student Money Tips NZ

Look for a well-insulated flat

Having a warm house probably isn't a deal-breaker in Auckland, but it will be in Dunedin or Christchurch. With no home insulation rating standards and typically people looking at student flats in spring and summer, picking a warm house is not easy. But there is a way to make an informed choice. When you go flat hunting, ask the current tenants how much they spend a month on power (you might also notice the bill on their fridge, with is worth a quick glance). Ask them if it’s a warm flat and if it easy it is to heat.
 
And to save some more money and hassle, you may want to ask them what they’re doing with their furniture. Some flats graduate together and might not need the furniture so they would be looking to offload it all for a low price.
Student Money Tips NZ

Use Less Power and Water

The further south you go in New Zealand, the more contentious heating will be. You will likely flat with people with different financial backgrounds and attitudes to heating.

You can be everybody's electricity hero by forming good habits that will stay with you for life. These include:
  1. Turn off lights when you leave a room
  2. Use energy saving light bulbs – they last forever, so take them with you if you move flats
  3. Turn off your hot water cylinder if everyone goes away for term breaks – there’s no point heating a tank of water in an empty flat
  4. Electric blankets are cheaper to run than fan heaters because they use less megawatts per hour. Fan heaters never warm up a cold bed either, so if you’re going to heat something, consider an electric blanket.
  5. Turn TVs off, not to standby
  6. Defrost the fridge and freezer regularly – an inefficient fridge is expensive to run
  7. Get into the habit of charging your laptop and phone at university while you’re studying at the library or study areas – it also means you’ll be fully charged when you head home.
If your local area charges for water and you’re renting a flat, check if your landlord covers it. If not, an average person can expect to pay $100 per year for water, so remember to budget for that.
Student Money Tips NZ

Visit Cheapies NZ

Popular sites like Cheapies.nz post coupons galore and they’re updated daily, covering everything from fast food to electronics and retailer promotions. The community of coupon enthusiasts is very active, and only coupons that are valid will be upvoted, meaning the success rate of using any promotions is fairly high. MoneyHub also has a list of dining coupons and deals which are frequently updated.
Student Money Tips NZ

Consider getting the “Student Card” and/or a local University card

Some students swear by the Student Card, with its signature 30% off Domino's Pizza and coffee discounts. In one year it's not a stretch to use the card enough to pay back the $20 annual fee. Alternatively, some universities offer their own student card which may have more suitable local discounts.
Student Money Tips NZ

Evaluate whether you need contents insurance

There are a few insurance options to consider, which we outline below:
  1. First of all, find out if your landlord has Landlord insurance – this will cover you if you accidentally damage the property (i.e. spill coffee on the carpet, set the kitchen on fire when cooking etc). If they do not, it may be worth getting a policy if you want to be 100% financially protected from any damage you cause.
  2. Insurers love to market 'student insurance', but don’t assume it’s cheaper than regular contents insurance which will cover you if your flat gets burgled and for any loss in your property. If you own items like an iPhone, tablet, laptop, Xbox, headphones, a bike, a musical instrument, clothes, jewellery and gym gear, you could easily have $5,000+ in assets. Make sure the policy you get covers everything you need to be insured for and that there are no nasty terms and conditions that catch you out.
  3. Remember, you can minimise the chances of theft by locking your doors. To make a claim contents insurance, there must be “theft following violent and forceful entry” or “fire, lightning or an explosion”. So if you have a flat party and some dodgy guest goes into your room and steals your laptop and iPad, you’re not covered.
student money saving new zealand
Student Money Tips NZ

NEVER leave a laptop or phone unattended

It may seem safe, the library may be quiet, but ultimately the risk is not worth it. Not for a coffee break, not for a bathroom break and not even to talk to a friend 20 metres away. Be paranoid; laptop theft is rife and phones get poached regularly as well. Save money in the long run by always packing up your bag if you leave a location, or ask someone sitting beside you (who doesn’t look dodgy) to watch it. If you have contents insurance and you leave your property unattended, it won’t be covered if something happens.

Tim, a MoneyHub reader, shares his experience:
"​I was at the university library and went to the bathroom for less than two minutes. I would never usually leave my laptop unattended, but I felt safe as the place was buzzing and I recognised friends a few rows over. I got back and it was gone. Total panic followed by misery as I hadn’t synced my cloud and some key work was gone for good. The library told me thieves work the place in pairs and laptop theft is quite common. It was an expensive lesson".​
Student Money Tips NZ

Do you need a car at uni?

A car is expensive, and all our university cities have functional public transport. The costs are more than just petrol and warrant of fitness fees – and if it breaks down, you’ll need to have the money to fix it. While it may be useful for getting to and from part-time jobs, it may be more of a liability overall.
 
John, a MoneyHub reader, shares his experience:
​"I was one of the few people at my hall of residence with a car. To be fair, I didn’t really need it. It was useful for supermarket runs, but I could have managed just fine with walking like everyone else did. It didn’t serve much of a purpose, but did make me popular! I wouldn’t recommend having a car at university in the first year or two, but everyone is different".

If you are determined to have a car, read our buying a second hand car guide.
Student Money Tips NZ

Cut down on car insurance costs by comparing quotes

If you do own a car, it’s probably best to get car insurance – at least third party to cover any accidents you may cause. Insurance premiums for young people are high – see our guide to car insurance here which indicates the best insurance from a number of cars. Remember, don’t add a parent or older driver as the name of the main driver instead of you – this is fraudulent, and you may find any claim denied because of it.
Student Money Tips NZ

Scrutinise your phone bill

Phone bills are not fun. If you find yourself constantly running out of data or minutes, you’re probably on the wrong plan. Look at our cheap SIM-only deals page to see what’s available for users like you, as picking the right contract/plan is essential to make sure you never overpay or get stung by penalties. Try to avoid being sucked into an expensive mobile device plan, as that can easily cost you an additional $40-$50 per month.
money saving trade me
Student Money Tips NZ

Sell old mobiles and gadgets, don’t store them

List an old phone or tablet on Trade Me. There’s usually a bit of value in anything in working condition, and they will otherwise become near worthless after a few years anyway. As soon as you upgrade it’s worth flogging your original. See our Trade Me selling tips guide for more details on getting started. Remember to factory reset your device before sending them to the buyer – this is the only safe way to delete all of your personal information.
Student Money Tips NZ

Sell old clothes you don't wear, and consider buying 'pre-loved' clothes instead of new

You may have a wardrobe that doesn’t get a lot of your attention. Consider having a clear out. Trade Me is your friend in this case, but selling them doesn’t mean you need to buy new ones. Bank the cash in the meantime. Our Trade Me selling tips guide explains how to maximise the selling prices. 

When it comes to buying used clothes, thoughts of musty second-hand shops could not be further from the truth. Trade Me is (again) a wonderland of cheap clothing and unique pieces.
Student Money Tips NZ

Consider living at home if money is going to be an issue

Halls of residence offer a lot of study and social benefits, but they cost $10,000-$15,000 per year which is a big investment. Flatting does not work out to be too much less if you factor in 12-month rental contracts and the costs of running a flat. 

If you live in the city you plan to study there, have a conversation with your parents – even paying board will be considerably cheaper than renting a flat or a hall as all your living costs are a fraction of what you’ll pay if you go it alone.
Student Money Tips NZ

Free museums and art galleries

Every university city has an art gallery, museum and other attractions, but sadly very few students ever make a visit during their uni years. They make excellent entertainment and social outing destination, and you can even use them for a low-cost date. A lot of government money and private donations fund these attractions, and many like Te Papa (Wellington), Early Settlers (Dunedin) and the Auckland Art Gallery are world-class.
Student Money Tips NZ

Don't throw away food unnecessarily

Food wastage is a big no-no for anyone, but as a student, it's completely unnecessary. You can limit the amount of food you waste by getting in the habit of doing the following:
  1. Make a shopping list of items that you actually need - avoid buying things on impulse
  2. Set the temperature on the fridge and freezer to avoid food going off, and place food in dry areas inside (i.e. if your fridge condensates at the back, don't place fresh vegetables there). 
  3. Understand that 'best before' does not mean 'don't eat it after this date' - many food items last a lot longer without being dangerous to eat or taste bad. 
  4. Audit your freezer and pantry monthly - rearrange the items that are closest to expiry and use them up first. 
  5. Learn to make a few basic recipes that can easily be altered depending on what you have at home. E.g. soup, pasta, pizza.​
Student Money Tips NZ

Student debt is different from other debt

You may have a sizeable student loan, but this doesn’t work the way other debt does. Student loans are interest-free and only repaid once you graduate and have an income. Other debt is very different. You may see your student loan and think about borrowing more as in the scheme of things it won’t make a difference, but non-student loan debt is very risky.

​The interest rates are likely to be high (15%+) and you will be hounded to repay them even if you can’t. Interest-free overdrafts offer the only non-student loan debt we recommend. We don’t believe you can avoid some form of debt in everyday life - doing so would be nearly impossible. We argue you should be wary of taking on bad debt. Personal loans, car finance and payday loans are all bad debt to a student.
moneyhub nz

Switch to unbranded products and pay less at the supermarket

Brands really don’t deliver value for money when it comes to groceries. Look for home brands and save big:
Countdown = Homebrand - loaves of bread, canned fruit and pasta packs start from $1.00
Pak'N'Save = Pams 
New World = Pams, Pams Finest and Value

Comparing a few items, it’s evident you can save 40%+ by switching away from brands. On a $40 brand spend at your supermarket every week, you could save $16+ a week and over $750 a year.
Picture
Student Money Tips NZ

Shop at Weekend farmers markets

Weekend farmers markets are a great social experience as well as being a great place for bargains and fresh food. Most university cities have local markets on a Saturday or Sunday, with good transport options available - Google your local farmers market for dates and times.
 
Christopher Walsh, MoneyHub's Founder, shares his experience:
​“When I was at Otago University, the weekly farmers market down by the railway station was brilliant. The amount of fresh vegetables and fruit you could get for $10 was unrivalled. It also wasn’t too much of a hassle if someone in the flat had a car, but the walk there and back is manageable from North Dunedin with a few items too".
Student Money Tips NZ

Get on the net for less

Check out our Broadband comparison guide for the best deals. It’s likely you’ll need to sign a contract, so look for rolling month contracts or six months at the most as it beats paying a full 12 months when you’re unlikely to need it for that time.

You may find that connecting to your phone’s hotspot provides all the data you require for basic needs. For pros, cons and best buys, see the SIM-only mobile plan comparison guide.
Student Money Tips NZ

Free internet is all around you - use it wisely

Your campus will likely have free WIFI, as will cafes and your hall of residence. Use these as much as you can, especially if you are a Netflix subscriber, Youtube addict, streaming fan and/or use a lot of data where you can store downloads for later use.
Student Money Tips NZ

Put all your coins into a jar

This tip is not just for students - loose change adds up quickly and is a good source of money to raid if you need some. Or periodically take the coins down to the supermarket and put them into the self-checkouts; it can be very surprising how much they all add up to.
Student Money Tips NZ

Switch to a “Graduate Account” when you Graduate.

Your bank may already offer an automatic switch to its own Graduate account offering once you leave university, but it may not be the best deal. Graduate accounts generally save $250+ a year in fees and even more if you an interest-free overdraft. Shop around for the best one on offer, even if it means leaving your existing bank. The KiwiBank Free Up account is an example of a zero-fee bank account available to everyday New Zealanders.
Student Money Tips NZ

Flog old CDs, DVDs, Games and junk

Trade Me is your best bet to clear out anything you don't need. If you’ve stopped using something, be ruthless and consider selling it. Listings popular with students include furniture, books, DVDs, clothes and bikes. Avoid getting bad feedback of the item returned by making sure you pack them well; our Trade Me tips guide is full of useful ideas which make the most of every listing.
Student Money Tips NZ

Don’t get a store card

Store cards (such as Farmers, The Warehouse, GEM Visa, Q Card) have high interest and don’t undercut credit cards in most instances. If you’re a student, it’s safe to say a store card isn’t a priority – their high rates and fees can cause nightmares to students.

No matter what the sales pitch, be very wary of signing up for a store card.
student job search nz
Student Money Tips NZ

Look for a part-time job that works to your schedule

If you need or want to get a job, look inside the university you're studying in. These may be less obvious opportunities but they can work well and pay well above the minimum wage - for example, the university library and students union venues. The benefits also include flexibility around exam time as well as a social workplace.  The Student Job Search website is also an excellent place to register for opportunities. We also list jobs in our Student Jobs directory.

Nick, a MoneyHub reader, shares his experience:
"In 2015 I was in Law School and my tutor told me my notes would be useful for the Disabilities Office who need them if someone is ill or away and can’t take their own notes. I was paid around $15 per class, which was great money back then (it still is!). I just sent them a sample of two lectures and I was their guy for Law101 and Law102. I didn’t have to do any extra work other than make the notes better, which helped me as well".
 
And Sam, a MoneyHub reader, shares his experience as an Orientation week workhorse:
"Orientation week ends up being an expensive entertainment blowout, so I thought it would be better to go to the gigs for free by working at them. I ended up working a lot of hours at our local student union, which placed me".

Of course, the more organised and early you are, the higher the chance of success you have for landing any student job.
Student Money Tips NZ

Not good with money? Watch out for credit cards

​If you don’t have a part-time job or other sources of income while you study, we don’t recommend applying for a credit card. Banks market hard to students, pitching “low minimum payments” and “up to 55 days interest-free” as cheap money. However, you can easily find yourself squeezed when it comes time to pay the bill, which turns into a problem debt fairly quickly. Minimum payments are usually only 3% to 5% of the balance owed, which is very low and designed to keep you in debt with an interest rate of around 20% per annum.

We calculate that if you spent $2,000 on your credit card and made the 5% minimum repayments every month, it would take over 3 years to repay it at an interest rate of 20%.

Credit cards and students can be a bad combination so being careful is really important.
Student Money Tips NZ

Buy alcohol at supermarkets and discount liquor stores, not wine shops

Supermarkets often have great deals on wine and beer which no other retailers can beat. Smaller specialty shops offer a more personal experience, but the typical student will save far more by heading to a Pak-N-Save or similar when there is a deal on. Wine is often marked to clear, offering genuine bargains on known brands. ​
student money saving new zealand
Student Money Tips NZ

Organise your flights home as soon as possible

Every university or tertiary institution releases its term dates months in advance, so look on the website and lock in a flight. If you don’t, those $75 fares become $275 which is completely avoidable if you’re organised. You can save more by being flexible on dates.
Student Money Tips NZ

Get free financial advice, help and support

Uni can be a stressful time – financial, social and academic pressures can quickly add up. If you're struggling, don't suffer in silence. Talk to your tutor, parents or a close friend if you feel you can, but there are also organisations that can help.
Student Money Tips NZ

Look for a lucrative summer job that makes a difference

There are summer jobs, and then there are positions which make a difference. Callaghan Innovation grants give businesses around $7,000 to hire a student for summer. You can contact your university careers department to see what is available, and ask to be notified. You can also look for more specialist positions within your department - very often teaching staff will need research staff for the summer, and this will pay far more than a standard unskilled holiday job.
payday loans
Student Money Tips NZ

Don't touch Payday lenders – debt issues will get worse

New Zealanders now find themselves approached by numerous “quick money now” operations, and distressingly, students are eligible to apply for a loan with any one of them. Don’t do it – the interest rates are sky high, there are fees on top and your initial loan can turn into a nightmare debt. If you are struggling, contact the Citizens Advice Bureau, your local student union and read our Debt Help guide for further help and suggestions for better alternatives.
Student Money Tips NZ

Talk to other students about money

If you have a question about money, talk to other students you think have their affairs sorted and don't complain about money. Avoid the crazy spender who is always short of money, as well as the rich friend who strangely never buys anyone a drink, and look for like-minded people. Outside of your friendship circle, many universities have budget advisory services or can point students to a local organisation.

​There is no shame in any money situation – your situation won’t be unusual and the experts will have useful suggestions and, in many cases, realistic solutions.

MoneyHub wants every student to have the best tertiary education experience

Thousands of students visit MoneyHub every week for financial information. The MoneyHub team knows how stressful being short of money can be, so if you have any specific help or tips you wish to share, please get in touch - we would be delighted to hear from you. 

Further student-related guides:
To help you start your journey to a career you love, MoneyHub has published a number of useful resources:
  • Student Loans - know what you're eligible for with our step-by-step guide
  • Student Jobs Guide - find a part-time job while studying and earn while you learn
  • Student CV Template - if you're applying for an apprenticeship, a professional CV is essential. We also have guides for preparing Student Job Cover Letters and Student Job Interview Questions and Answers
  • Scholarships - While aimed at students heading to university, many private opportunities are offered so it's worth checking out
  • Student Bank Accounts - Find the best bank account while you study and save money. Our Student Money Tips reveal more ways to be money savvy.
  • What Employers Want - Know where your qualification fits on the NZ Qualification Framework.
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