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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How to Plan a Wedding on a Budget in New Zealand

Our 20+ tips reveal how to plan and hold the best, most memorable wedding (without the usual expense and stress worries)

How to Plan a Wedding on a Budget in New Zealand
Updated 29 September 2021

Congratulations! You’re engaged! It’s such an exciting time in your life until you start looking at the prices of all of the special touches that create the dream wedding you’ve envisioned. It's a fact however that the average wedding in New Zealand costs $30,000 (and that’s just the average).

Is it essential to spend that much? Fortunately, there are many ways to slash the costs, especially on the things your guests won’t notice (which is the most important). Wedding planning is best when you splurge on the things that mean the most to you, and cut costs in other areas. Negotiating the prices on every item and service will avoid the ‘buyer’s remorse’ you may otherwise feel after the wedding when the debts start rolling in.

Important - wedding debt can quickly get out of control. Why put stress on your relationship by over-spending on a wedding, when money and debt issues are major reasons for divorce filings. Instead, let’s start your marriage off on the right foot by showing you ways you can have the wedding of your dreams, entertain your guests, and still keep your bank account intact.

In this guide we cover:
  • 20 Easy Ways to Save on Your Wedding
  • Arranging the Best Deals for Your Wedding

Know this first: Create a Wedding Budget before You Start Planning

It can seem hard to put a limit on the money you spend on one of the most important days of your life, but it’s important. Planning a wedding can quickly get out of hand financially if you aren’t careful. So how do you create a budget without feeling like you have to sacrifice? Set up some ground rules, such as:
  1. Pick the categories that are most important to you. Together, you and your fiancé decide what’s most important. Is it the venue, wedding attire, photographer, flowers or music? Of course, it could be anything else too. Just together choose the three most important categories. This is where you need to focus your budget and then be okay with cutting corners in most other areas.
  2. Decide early on who will influence your decisions and stick to it. If it’s just you and your fiancé, then don’t stray from that. If you want your parents’ input or the help of a close friend, then decide that upfront. The fewer ideas and influences you have, the less likely you’ll be to overspend.
  3. If your wedding album is important to you, book the photographer first. Remember, wedding photos are something you’ll look at and enjoy for the rest of your life. Many couples decide this is an area they don’t want to sacrifice.
  4. Choose your essential vendors early. You’ll have the most relaxed time negotiating rates, and you’ll have a more extensive selection to choose from, giving you options rather than forcing you into a decision. 
 
Once you set your priorities and you have a budget in mind, it’s time to figure out where you can start saving. Our list of twenty tips below does just that.
Important - 'Wedding Accounting' Money-Saving Tip
  • The words 'wedding' and 'accounting' won't get anyone excited. However, by opening up a dedicated wedding bank account you can keep everything in one place, earn an above-market interest rate and avoid any confusion. Our best bank accounts guide has the top bank accounts available right now, all of which a fee-free.

How to Plan a Wedding on a Budget in New Zealand

20 Easy Ways to Save on Your Wedding:

How to Plan a Wedding on a Budget in New Zealand

​Play with the date and time of the wedding

​If you get married between April and September, you’ll have a better chance of saving money on a variety of vendors including:
  • Photographers
  • Wedding venues
  • DJs or bands
  • Limo services
  • Florists

Each of these vendors is vying for business during these months as they are the slow months. This often means the vendors have lower rates to start with, plus you may be able to negotiate lower prices or get more for your money during these times (more services for the same cost).
 
Whether you choose to get married during April – September or you want that beautiful summer wedding during peak time, consider getting married at an ‘off time of the week or even of the day.’ While nighttime weddings are great, they are more expensive. 
 
What about having a ‘lunchtime’ wedding or a wedding on a Friday night rather than Saturday? Sunday afternoons are also a great time to save money. Most couples fight for that illustrious Saturday night wedding, which costs the most – if you can give the venue business on a Friday night or Sunday afternoon, you’ll likely see better rates as most venues don’t fill up on those days.

MoneyHub user Alice says:
"We saved around $4,000 by having our wedding on a Friday compared to the original plan of Saturday. We were then able to use that money and host a smaller party on the Sunday afternoon, which was an added bonus and money well spent". 

How much can you save? It's not unrealistic to be able to knock off 10% or even 20%, depending on the provider.
How to Plan a Wedding on a Budget in New Zealand

Cut the guest list down

This can be hard to do, but it’s essential if you’re on a budget. Remember, this is your wedding day, not anyone else’s. Even though you may hurt some feelings, it’s important to be honest with everyone that you’re trying to stick to a strict budget. A few ways to cut down on the guest list include:
  • Only invite the people that you know will be a part of your future (it's harsh, but saves considerable amounts)
  • Ask your parents to invite only a handful (or a designated number) of friends
  • Limit the plus-ones where possible
  • Limit (or don’t encourage any) children
  • Ask your parents to pay for the headcount of the people they request that you invite

How much can you save? Around $200 per guest is realistic, but it can easily be more depending on your plans.
How to Plan a Wedding on a Budget in New Zealand

Save on the wedding dress

Many brides dream of walking down the aisle in a gorgeous white dress made just for them. But remember, you wear the dress one time and only for a few hours. Is it worth spending thousands of dollars on it or would you rather save money and yet still have the dreamy white dress you’ve always wanted? A few ways to save on the dress include:
  • Hire a dress – It costs a mere fraction of what it costs to buy a dress, and you’ll look just as beautiful. Considering you only wear the dress once and never touch it again, it’s a significant area to save money. If it makes you feel better, hire it for a few days rather than just your wedding day and you’ll still walk out ahead.
  • Shop off the rack – You can save as much as half of the price of a wedding dress when you buy off the rack. You may be pleasantly surprised to learn about the quality and beauty of the dresses offered. 

MoneyHub user Sasha writes:
"In the end, I decided to rent the dress and I saved a small fortune. Better than that, I didn't need to find somewhere to put it afterwards". 

How much can you save? The average wedding dress costs between $1,500 to $2,500, where as hire starts from around $200.
How to Plan a Wedding on a Budget in New Zealand

Skip the wedding venue

Wedding venues can take up a nice chunk of your wedding budget. If you have a suitable alternative, use it. There are so many great opportunities to host your wedding, but a few options include:
  • A big backyard (yours or someone else’s)
  • A local restaurant
  • Outdoor venue 

As you price out your options, don’t forget about the cost of food, linens, tables and chairs that would normally be included with the cost of a standard venue. Typically, you’ll still come out ahead by choosing an alternative location, but make sure you look at the big picture and look closely at all costs to compare like with like.

Want to support the local community, save money and get a classic Kiwi venue that often permits BYO? Consider a community hall. This helpful guide walks you through what's involved (and how good it can turn out). 

How much can you save? Venues can hire for around $4,000 and up, so it's a considerable saving when you add on all the other costs that come with a venue (food and drink being the most significant). 
How to Plan a Wedding on a Budget in New Zealand

Cut down on the wedding party

Even if you have a large circle of family and friends, you don’t have to ask everyone to be in your wedding party. Just letting them be a part of your special day by being a guest is enough. It’s costly to ask people to be in your wedding as many of the expenses fall on you unless you expect your wedding party to foot the whole bill (which isn't common anywhere in New Zealand). While the decision is personal consider: 
  • Asking only each person’s siblings to best best man or maid of honour
  • Choosing only one or two friends to be in the bridal party​​

How much can you save? Suits and dresses can easily cost around $500 each, so trimming down the parties is cost-effective.
Weddings on a Budget New Zealand
How to Plan a Wedding on a Budget in New Zealand

Limit the bar options

If you have your wedding at a venue or if you hire a bartender to serve at your event, you don’t have to offer a full-service bar. While you may want to offer some alcoholic options, you don’t have to serve all of the top-shelf liquors. Here are a few ideas to save money:
  • Serve just beer, wine ans soft drinks - many people will be fine with that and don't expect mixers
  • Serve just wine
  • Have a complete cash bar
  • Have wine at the table, but all other drinks are part of a cash bar
  • Serve only a handful of spirits

Top tip: If you hire a venue with no licence, you can buy your own alcohol from a liquor shop. Many supply glasses and can arrange staff, and won't charge you for alcohol not consumed. This way you're only paying for what you use and getting it for half what a bar or venue would charge.

How much can you save? Around  $50 per guest if you cut beer, wine and spirits altogether and go for a cash bar.
How to Plan a Wedding on a Budget in New Zealand
How to Plan a Wedding on a Budget in New Zealand

Save on the food

The food is often the main event at the wedding, aside from the bride and groom of course. It’s often the main attraction, causing many couples to go overboard. While you want to make sure your guests are well taken care of, it’s not necessary to overspend. You can provide a beautiful meal while keeping your budget intact by:
  • Consider serving a buffet-style meal rather than formal sit down
  • Host a lunch rather than a dinner
  • Bring in your own caterer (especially if you have a backyard wedding)
  • Cater the reception yourself or hire a friend/family member to do it

MoneyHub user Kate writes:
"We decided to make it low-key and hired two food trucks for our party of 80. It was a hit; people loved the options and tried food they usually wouldn't. I strongly recommend doing it and it kept the afternoon social and less formal....and far less expensive than what we were first quoted for a sit down lunch".

How much can you save? At least $50 per guest (net) if you go buffet, $30 per guest if you go for a seated lunch, and a lot more if you cater externally or do it yourself.
How to Plan a Wedding on a Budget in New Zealand

Consider your photography options

Your wedding photos will provide you with a lifetime of memories, so don’t be too quick to make drastic changes here, but there are several ways you can save:
  • Hire the photographer for a shorter amount of time rather than the entire wedding - i.e. take the photos right before the reception takes place to limit the cost
  • Have a friend or family member with a passion for photography take pictures
  • Have a friend or family member take videos
  • Hire just one photographer rather than two
  • Ask the photographer if you can order the pictures yourself from your own developer (few photographers will allow this, but it's worth asking if it's possible)
  • Ask the photographer only for printed proofs, not actual photographs, to allow you to make duplicates
  • Create the wedding photo album yourself rather than paying the photographer to do it​

How much can you save? Around $500 to $1,000 by limiting some options while retaining a professional, and more if you go for a DIY option (although it's a big responsibility and going professional is often preferred).
How to Plan a Wedding on a Budget in New Zealand

Re-consider the car

While it’s part of every girl’s fantasy to show up to her wedding in a classic car or horse and carriage, in reality, it’s a lot of money for a short ride. Even if it’s a longer ride, after the first few minutes, it feels like any other car ride. Rather than blowing your budget on transportation, consider: 
  • Asking a friend or family member with a nice car to drive you
  • Let your dad drive you in his old fashioned (and prized possession antique car)
  • Take public transportation
  • Have your ceremony and reception at the same venue so there’s no need for transportation
  • Rent something ‘fun’ like a golf cart if you have your ceremony and reception at the same venue​

How much can you save? Around $500 to as much as $1,500, depending on the number of cars and time you need them for.
How to Plan a Wedding on a Budget in New Zealand
How to Plan a Wedding on a Budget in New Zealand

Share decorations

Wedding decorations can eat up a nice portion of your budget if you aren’t careful. The flowers, linens, and centrepieces, while pretty, are expensive. If you have to decorate a church and a reception venue, you’re looking at double the cost for decorations you’ll use only for a few hours. Instead, consider these options:
  • Transport the decorations from the church to the reception to use them again
  • Skip ornate church decorations and focus on the reception decorations only
  • Create your own centrepieces for the reception
  • Skip the fancy linens at the reception

How much can you save? It depends on a few things, but decorations costs add up. For this reason we can't give an estimate.
How to Plan a Wedding on a Budget in New Zealand

Take advantage of any DIY options

If you know someone with a specific talent, use them. You aren’t obligated to pay professionals for every aspect of your wedding. Consider any of the following:
  • Let someone with experience arranging flowers create your centrepieces and floral arrangements.
  • Make your own invites. 
  • Make your own favours.
  • Let someone make the wedding cake.

How much can you save? Around $30 to $60 per guest for DIY crafts and flowers, and about $500 for a cake (although a professional cake is an investment and something your guests appreciate). 
How to Plan a Wedding on a Budget in New Zealand

Skip the favours

It’s tradition to give favours at a wedding, but honestly, how many favours have you kept in your life? Chances are that the favours get tossed or put in a corner to collect dust. Why spend the money when you could use it for other aspects of your wedding? If you insist on having favours, try saving by:
  • Having a friend or family member make them rather than buying them
  • Make the favour per couple rather than per person
  • Repurpose your wedding decorations and/or centrepieces as favours ​
  • Use Etsy and browse by price and style.

How much can you save? Around $10+ per guest, if not more.
How to Plan a Wedding on a Budget in New Zealand

Save on the jewellery

Even though you’ve already proposed, there’s still the matter of the wedding rings. The real ‘dazzler’ is the engagement ring, which you’ve done. Try to spare some money on the wedding rings without taking the meaning out of it.
  • Repurpose ‘old jewellery’ such as rings from a grandmother or other close relative
  • Consider second-hand jewellery options
  • Save the sparkle for the engagement ring and stick to matching and aesthetically pleasing bands for the wedding.

How much can you save? This will depend on many factors, so we can't give an estimate.
How to Plan a Wedding on a Budget in New Zealand

Watch out for extra fees

If you get married at a venue or even have a backyard wedding but you cater the food and drinks in, watch out for ‘extra fees’ in the contract. Negotiate to lower them or eliminate them if they are services you don’t need including:
  • If you can handle cutting the cake yourself, you can skip the cake cutting services (and fees)
  • Negotiate corkage fees if you have a BYO wedding
  • Watch the server fees if you hire serving staff and/or bartenders for a backyard wedding
  • Ask about extra guest fees
  • Watch overtime fees
Weddings on a Budget New Zealand
How to Plan a Wedding on a Budget in New Zealand

Save on invitations

Invitations are beautiful, but they can get pricey. If you’re on a budget, consider ways you can trim the costs, such as:
  • Use an online service for save the dates and the invitations themselves. It may even be easier to keep track of RSVPs this way
  • Only send out paper wedding invitations, but digital Save the Date cards
  • Make your own invitations or have a friend or family member that does calligraphy do them for you
  • Ask for email RSVPs or set up a webpage for RSVPs rather than paying for postage to send the RSVP card back to you
How to Plan a Wedding on a Budget in New Zealand

Save on hair and makeup

The bride and her bridal party want to look and feel their very best, but at what cost? Hair salons can cost an arm and a leg, especially if you’re footing the bill for the entire bridal party. Instead, try saving money by:
  • Asking a talented friend or family member to help with your hair and makeup
  • Do your own makeup and/or nails
  • Ask the bridesmaids to get their nails done before the wedding day (on their own)
  • Negotiate a group rate if your entire bridal party is having their hair or makeup done
How to Plan a Wedding on a Budget in New Zealand

Save money on the music

You’ll pay a pretty penny for the music at your wedding, especially if you want music at the ceremony and reception. Before you sign on with your favourite band, though, consider the following options:
  • Ask a talented friend or family member to sing and/or play the piano at your ceremony
  • Hire a soloist to sing at your ceremony rather than an entire ensemble
  • Hire a DJ rather than a live band for the reception
  • Hire a DJ for only the latter part of the reception after dinner when everyone is ready to dance 
  • Use Bluetooth and the venue’s speaker system to play soft music before and during dinner
How to Plan a Wedding on a Budget in New Zealand
How to Plan a Wedding on a Budget in New Zealand

Borrow as much as you can

Your wedding day is the most special day of your life, but it’s also the fastest. Even the things you think you ‘have to have’ only get used for a few short hours and then you never use them again. Get creative and see what items you can borrow to keep your wedding expenses down, such as:
  • Wedding veil
  • Jewellery
  • Shoes
  • Decorations
How to Plan a Wedding on a Budget in New Zealand

Avoid risking your gifts by choosing one retailer

Be cautious of putting all your wedding gifts registry or vouchers with one retailer. Retailers can go bust at any moment, and if that happens in between your wedding and redemption, you'll become an unsecured creditor. Worse of all, you won't own any of the items - secured creditors are looked after first, and very often there's nothing left after that.
How to Plan a Wedding on a Budget in New Zealand

Sell what you don't need to cash up before your wedding

It's not uncommon for a wedding budget to be stretched even if you have the best intentions. A great way to put cash in your wedding account is to have a sell-down of things around the home. You'll likely be receiving new items after your wedding, so it's a good idea to have a clean out anyway. Our Trade Me selling tips guide has everything you need to know to maximise dollars and minimise wasting time.

How to Plan a Wedding on a Budget in New Zealand

Arranging the Best Deals for Your Wedding

Once you’ve narrowed down your categories, it’s time to get the best deals. You know where you’re willing to spend money and where you want to eliminate costs or reduce what you need spend. Now it’s time to get out there and find who will give you the best bang for your buck.

Most importantly - start early. If you want vendors to negotiate with you, don’t wait until the last minute when you’re stuck with whatever vendors are left. Instead, shop around with as many vendors as possible and ask the right questions. Get quotes, compare your options, and don’t be afraid to negotiate. The earlier you shop, the more choices the vendors know that you have, which makes them more likely to negotiate with you. It's in their interest to take bookings month in advance as they secure their work for the months ahead.

As you shop around, don’t be afraid to:
  1. Let vendors know your budget. You will be surprised to learn how many vendors will willingly work within your budget. They may cut some of their services or tailor their package, but they would rather get some business than no business at all.
  2. Ask vendors for what you need. What’s the worst a vendor can say to you? The worst answer is 'no', and if that's the case you can just move onto another vendor. Arranging a wedding must be done with confidence - if there’s something you want and at a specific price – ask for it.
  3. Don’t just ask for a discount when you can negotiate to include other services. Don’t forget the vendors have to make money too, and weddings offer very seasonal income. Even though asking for a discount is helpful, you can also ask for more services to be added into your package. Vendors are often willing to offer more services rather than cutting down their own profits.
  4. Read the contracts you sign. You are going to have more contracts than you know what to do with when planning a wedding, but read every one of them. You need to know the nuances of the contract. What costs extra or what fees are you paying that you don’t realize? If there’s something you don’t agree with or understand, make sure to ask. If you have any concern at all, ask questions before you sign the contract.

Most importantly, wedding planning on a budget is enjoyable and rewarding
Having a wedding on a budget isn’t as hard as it seems; it’s the smartest way to start your life as a newly married couple. Once you’re married, chances are you’ll want to buy a house, save to have kids, and save for your future. Why start your life off in debt when you can find simple ways to save on your wedding yet still have the day of your dreams? 

Best wishes for your big day, from the team at MoneyHub. 

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          • Other Coins
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  • Loans & Finance
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  • Insurance
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      • Reviews & Policy Comparisons
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      • Health Insurance
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  • Credit Cards
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      • Kiwibank Airpoints Cards Ending – Best Replacement Options
      • ANZ vs AMEX vs Westpac Platinum Airpoints Credit Cards
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    • Reviews
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        • Where is AMEX Accepted?
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        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
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        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
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        • RewardPay Review
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  • Travel Money Cards
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    • Travel Money By Country
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  • Banking & Savings
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    • Savings
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      • Booster Savvy Review
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    • Guides and Resources
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    • Reviews
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  • Mortgages
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      • What is the OCR?
    • Alternative Mortgage Options
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      • First Home Loan Guide
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      • Lifetime Home Review
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      • Buying a Home with Family and Friends
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      • Mortgage Overpayment Calculator
      • What To Do if You Bought a House at the Peak of the New Zealand Market
      • Tips for Seniors Renting or Paying Down a Mortgage
      • Remortgaging Guide
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      • Amortisation Calculator
      • Mortgage Break Fees
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      • 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
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      • Trusted Mortgage Brokers in Wellington
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      • LifeDirect Mortgages Review
    • Buying a Home
      • First Home Buyers Checklist
      • Home Buying Glossary
      • Best House Price & Valuation Websites in New Zealand
      • New Zealand Property Types
      • Rateable Value vs Market Value
      • Leasehold Property Guide
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      • Buying an Apartment in New Zealand
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    • Selling a Home
      • How to Sell Your House Privately
      • Real Estate Agent Fees
      • Bridging Finance
    • 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?
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      • 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
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      • KiwiSaver Robo and Digital Advice Tools
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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
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    • KiwiSaver Schemes
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      • Pie KiwiSaver Scheme Review
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      • Kernel KiwiSaver Plan vs Superlife KiwiSaver Scheme
      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • SBS Wealth KiwiSaver Scheme Review
      • MAS KiwiSaver Scheme
        • MAS Review
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      • Pathfinder KiwiSaver Review
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    • 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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      • Hiring for a Startup
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      • Expanding Offshore
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  • MSD
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    • 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
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      • Food Banks Auckland
      • Food Banks Northland
      • Food Banks Hamilton Waikato
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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
      • Buyer’s Guide for the 2023 Ford Ranger
    • Warrant of Fitness
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      • Warrant of Fitness Auckland
      • Warrant of Fitness Hamilton
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  • Law
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    • Agreeable Review
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    • Perpetual Guardian
  • Travel
    • Moving Overseas
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      • Moving to Australia
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    • Air New Zealand Specific
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    • Lounges, Upgrades, Car Hire & More
      • How to Get Access to Airport Lounges
      • Air New Zealand Skycouch Review
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      • Auckland Airport Car Parking
    • Best of New Zealand
      • Auckland Travel for Less
      • 100+ Free Things to do in Auckland
      • Queenstown Like a Local
    • Hotels & Dining
      • Accor Plus Review
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    • Foreign Currency Exchange
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  • Travel Insurance
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    • AMEX Airpoints Platinum Travel Insurance Review
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      • Australia and the Pacifc
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      • Americas & Africa
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      • Europe
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    • Specific Risk Cover
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    • Travel Insurer Reviews
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    • 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
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  • Mobile & SIM
    • Compare Mobile Plans
    • SIM Only Mobile Plans
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    • Apple Watch Buying Guide
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    • Mobile Data Roaming
    • Saily Review
    • Best iPhone Plans
    • Best Power Banks
  • Broadband
    • Compare Broadband Plans
    • No Contract Broadband
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    • Internet Speed Test
    • Broadband Provider Reviews
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      • NOW Broadband Review
      • One NZ Broadband Review
      • Orcon Broadband Review
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      • 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
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      • SortMe Review
    • Repaying Debt
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      • Debt Repayment Apps
      • CAP (Christians Against Poverty) Review
      • Debtfix Review
      • Getting into Debt to Meet Short Term Living Costs
      • Bankruptcy Guide
    • Tax
      • Beginner's Guide to Tax
      • Salary Sacrifice in New Zealand
      • Tax Bracket Creep
      • Choosing an Accountant
      • Tax Refunds
  • Life Essentials
    • Money & Income Ideas
      • Side Hustles
      • Make Money Online
      • Paid Survey Websites Review
        • Ipsos iSay Review
        • Nielsen Homescan Review
        • Nielsen Online (Computer & Mobile Panel) Review
        • Valued Opinions Review
        • Opinion World Review
        • Triaba New Zealand Review
        • Rewardia New Zealand Review
      • Free Samples
      • Unclaimed Money in New Zealand
      • Free Money from the Government
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