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What to Study in 2025

We reveal where the in-demand jobs are, as well what they pay and how your career can progress, using the latest government-sourced data
Updated 16 February 2025

Summary
  • In putting this guide together, our aim, as always, is to help people make better financial decisions. Specifically, MoneyHub wants to help you know where in-demand jobs are, as well what they pay and how your career can progress.
  • We've used government data to support our choices, but understand that this is not science and our information must be treated only as a guide.
  • If you’re on the hunt for an in-demand job and a big salary, the (historical, pre-pandemic) Seek 2018 salary guide gives you some idea.
  • If you are looking for a career that you will enjoy and thrive in, our guide sets out everything you need to know. 

Know This First: Careers Advisors are available to help you - make the most of their expertise
  • Careers Advisors are in almost every New Zealand secondary school and have experience when it comes to talking about what you want to study.
  • MoneyHub believes, and we are certain Career Advisors would agree with this too, that good career planning means checking the course and its prospects, and making sure you will enjoy it.
  • Career Advisors are there to help you make the right choice, understand exactly what you are embarking on and how it will provide for your lifestyle.
Enrolling in 2025? Know this first:
  1. Our message is simple – don’t dumb down your course. Don’t go for second best if you don’t need to.
  2. If you qualify for the best provider, student loans, scholarships and discounted travel passes help to make every day work to your advantage.
  3. Today, there is no longer a one-job-for-life situation; a lifelong learning approach is now encouraged. Arguably, most careers require you to keep retraining to keep up with the changing job market. 
  4. You will probably only get one shot at a tertiary education; the time and money spent (and foregone) is too great to repeat it. It's perfectly reasonable for university students to change courses in their first year because of various reasons, but it is expensive if you do this later when you are far down the wrong track.
  5. Government data suggests that, overall, employees with degrees in law, accounting, finance, engineering, science and health earn significantly more than their counterparts with diplomas or certificates.
  6. There is a general belief within New Zealand that University is better than anything else for year 13 students finishing school. This is totally subjective, and for many young people, not true at all. Many students go to University and waste money and time when there are better alternatives that suit their skills, interests and talents. 
  7. There is a perception that 'offices' are more respected than 'trades'. This too is a dangerous mentality. Many people working in trades have a great work and social life, control of their time, experience outdoor work with regular exercise, build things and use their hands, all while earning potentially very impressive salaries. Contrast that to an office, where many people are bored, resigned to 'paper pushing' and sitting in endless meetings, all while riding their desk into retirement with little or no enthusiasm for their day-to-day job.
  8. Pick the right course that satisfies your interests, talents and aspirations and you won’t regret your decision.
 
Why have we put this guide together?
  • The world of work is changing, and many education providers are being left behind. What you choose to study will define at least the next five to ten years of your life. It’s no secret that automation is coming. Robots are coming too.
  • Today’s students will be best prepared for work after 2025 with a qualification and skill set that cannot be outsourced, automated or disestablished. Most importantly, there needs to be relevant jobs waiting for you upon finishing whatever you study. 
  • We have listed 20 specific jobs for which you can study that today have more vacancies than graduates, a proven track record of employment, overseas demand and are dynamic in that you can specialise in various areas within the field.
  • We’ve analysed everything at the granular level to give every student in New Zealand the best chance of picking the right course. 
Notes:
In the preparation of our tips and section, MoneyHub would like to thank Kay Wallace, HOD Careers at Western Springs College in Auckland for her generous contributions. If you're a teacher, student, graduate or parent with tips to share, please contact us - we value every contribution we receive. 

Please note, MoneyHub does not have any affiliation or relationship with any of the education providers and professional training organisations mentioned below. The views expressed in the videos are that of their subject(s) and do not reflect the views of MoneyHub in any way. 

NOW is the time to be realistic
  • Imagine it is three years from now, you have your degree or diploma and you are sitting home wondering what to do next. 
  • You’ll probably be looking at trademe jobs or seek.co.nz for a job with the income to support your lifestyle. Why don't you do that now?
  • For example, if you want to study sports studies or film and media, search trademe jobs and seek.co.nz to see what's available. While this won't be a complete list, as some jobs are recruited internally or directly, this will give you a reasonable indication of what's out there right now. 
We believe choosing a course and career is supposed to be about choosing something you like to do. If you do this, your career will be more enjoyable.
  • For example, if you really like to play rugby, then this suggests you would probably enjoy physical work or working outside. If you like to write and follow current affairs and/or politics, journalism or public relations could be suitable.
  • While our list of 20 jobs focuses on job security, opportunities for development, salaries and public need, making a decision based on what you enjoy is a popular way to grow and develop in your work. You also have the potential to meet other people who also enjoy the same work and together, in your field, you will do well. 

We all work for different reasons
  • MoneyHub appreciates that people of all ages have many reasons at various stages of their life for wanting to do different work.
  • Some people will want to please their parents, serve the community and to an extent, make the world a better place.
  • We understand people are not necessarily choosing careers to make a lot of money, and this has influenced our top 20 job picks. ​
Our guide covers:
Our 20 Jobs, and How We Selected Them
We have selected what we believe 20 of the most important jobs New Zealand needs, based on employability, short and long-term income and general accessibility. Our research has drawn from the following sources:
Important: With Australian and British borders now open (and likely to stay open for the foreseeable future), we continue to look for additional data sources to help us highlight career opportunities that are in demand locally and overseas.
The basis of our results
  1. Government data, which records up to 11 years of salary information for an extensive range of qualifications. The latest set of data was published in 2016, and when new data is released, we will update our guide accordingly.
  2. We have separated the 20 jobs into degrees and non-degrees, based on the NZQA assessment framework which classes certificate and diplomas as 'level 1-6' and degrees (and above) as 'level 7- 10'.
  3. ​Courses and professions linked solely to students studying post-graduate certificates and diplomas have not been included.
  4. We appreciate that degrees such as Medicine, Dentistry, Civil Engineering and Physiotherapy are highly competitive and places at University are limited. Notwithstanding, there is a shortage of graduates, and there is no indication from the Government that more places will be offered to meet the increasing demand around New Zealand. We have listed related jobs specific to these degrees, as outlined by CareersNZ.
  5. The 'Where to Study' section is indicative only and does not necessarily include all study options available.

Degree-Based Courses

In no particular order, we list twelve jobs that rise above the rest when it comes to higher education opportunities. We have linked each job to the helpful CareersNZ page, which list 'related jobs' in more detail.

Civil Engineering

  • ​What is it? As described by CareersNZ, Civil engineers design, plan, organise and oversee the building of structures such as roads, bridges and water supply systems.
  • Why study it? Civil Engineering is all about design and development of infrastructure of all sizes and purposes. It's an area that is constantly evolving with technology, meaning it's a dynamic industry. If you like to know how things work, how the can be improved and design in general, Civil Engineering could be your calling.
  • ​Why is it a top 20 job? Throughout New Zealand, there is a massive shortage of Civil Engineers, with new roading projects, government-funded infrastructure and housing projects all needing staff. There are good employment opportunities abroad as well. Civil Engineering also pays well - the most recent government data confirmed a median starting salary of $50,000 with strong growth potential as you progress. 
  • Related school subjects: Physics, Calculus and, in some cases, Chemistry
  • Median starting salary: $50,000 ($41,000 to $57,000 range)
  • Median salary five years after graduating: $73,000
  • Study time: 3 to 4 years
  • Fee cost (estimate): $16,000 to $25,000, excluding first-year fee waiver, course-related costs and living expenses
  • Career change potential: Good - Civil Engineers can work in the public and private sectors, become consultants and go into management.
  • New Zealand Employers who hire graduates: Transpower, Fulton Hogan, Riley Consultants and Beca 
  • Good points: Good salary, outdoor environment, continuous problem-solving, opportunity to explore the world, standard working hours (i.e. Monday to Friday), opportunities to specialise in a particular area, pride from seeing a completed project being used every day.
  • Challenges: You'll need to be fit, working under the sun if you're out of the office, working in remote locations or away from home.
  • Learn more: Visit the EngineeringNZ website
  • Where to study? University of Auckland, University of Waikato, AUT and the University of Canterbury.

Related jobs with degree-level qualifications per CareersNZ:
  1. Architect - Architects plan, design and advise on the construction and alteration of buildings and other structures.
  2. Mechanical Engineer - Mechanical engineers design and give advice on the building and repair of machines and tools. They also investigate problems and faults with machinery, and study ways to improve manufacturing and energy production.
  3. Building and Construction Manager - Building and construction managers plan, control and coordinate civil engineering or building projects, and the resources and people involved.
  4. Civil Engineering Technician/Draughtsperson - Civil engineering technicians/draughtspeople plan and draw the technical details for building and repairing roads, bridges, buildings and other structures.
  5. Environmental Engineer - Environmental engineers assess the impact of engineering projects on water, soil, air and noise levels, and advise and design ways to minimise this impact. They also plan and design systems to treat and remove waste, such as wastewater systems.

Medical Doctor

  • ​What is it? As described by CareersNZ, Doctors, and specifically General Practitioners, care for, diagnose and treat the health problems of individuals and families in the community.
  • Why study it? An ideal student will have an interest in biology, chemistry and health in general.
  • ​Why is it a top 20 job? Everywhere in New Zealand there are reports of shortages of doctors, and it is the same story in Australia. Working as a doctor pays very well - the most recent government data confirmed a median starting salary of $92,000, with strong growth potential as you progress. 
  • Related school subjects: Chemistry and Biology
  • Median starting salary: $92,000 ($87,000 to $98,000 range)
  • Median salary five years after graduating: $118,000
  • Study time: 6 years
  • Fee cost (estimate): $85,000 to $95,000, excluding first-year fee waiver, course-related costs and living expenses
  • Career change potential: Fair - Doctors have the ability to work in the public and private sector, specialise in an area of medicine, manage health centres or government healthcare, work overseas (with some limitations) become consultants and go into management.
  • New Zealand Employers who hire graduates: Graduates work for another year under probation in order to gain general registration, often at public hospitals.
  • Good points: Excellent salary, people-facing, continuous problem-solving, opportunities to specialise in a particular area, job satisfaction from treating patients, overseas work possibilities.
  • Challenges: Depending on where you work and/or specialise in, in the short-term there is a lot of shift work, long hours, hospital politics, lack of control or input into funding, emotional connection to patients, highly intense working environment.
  • Learn more: Crimson Consulting's detailed guide (and PDF download) explains all the finer details.  
  • Where to study? The University of Auckland, University of Otago

Related jobs with degree-level qualifications per CareersNZ:
  1. Audiologist/Audiometrist - Audiologists and audiometrists study, identify, measure and treat hearing disorders and loss. They also provide aids and other listening devices to assist patients who have hearing loss.

Dentist

  • ​What is it? As described by CareersNZ, Dentists study and treat diseases, injuries and problems of the mouth, teeth, gums and jaw.
  • Why study it? Despite being far more specialised than other health qualifications, an ideal student will have an interest in biology, chemistry and health in general.
  • ​Why is it a top 20 job? Dentists are in demand, and the most recent government data confirmed a median starting salary of $61,000, with strong growth potential as you progress. 
  • Related school subjects: Chemistry and Biology
  • Median starting salary: $61,000 ($87,000 to $98,000 range)
  • Median salary five years after graduating: $70,000, although specialists earn significantly more
  • Study time: 5 years
  • Fee cost (estimate): Around $70,000, excluding first-year fee waiver, course-related costs and living expenses
  • Career change potential: Limited - Dentists have the ability to work in the public and private sectors, specialise in a specific area of dentistry, own and manage a dental practice and work overseas (with some limitations).
  • New Zealand Employers who hire graduates: Dentist chains such as Lumino offer graduate positions
  • Good points: Good salary, people-facing, a hands-on job, opportunities to specialise in a particular area, job satisfaction from treating patients, overseas work possibilities.
  • Challenges: Dentistry is very physically demanding as it requires long periods of time spent completing precise and minutious work with your hands and having your eyes focused on a small area. Setting up or buying a practice later on is very expensive - dental equipment does not come cheap. Also, patients can complain, run late and even not show up, which can cause schedule issues on any given day.
  • Learn more: The New Zealand Dental Association has limited information for potential students
  • Where to study? The University of Otago
​
Related jobs with degree-level qualifications per CareersNZ:
  1. Dental Technician - Dental technicians create and repair devices for the treatment, replacement and protection of damaged, badly positioned or missing teeth.
  2. Oral Health Therapist - Oral health therapists provide dental care to patients, which includes treating gum disease and teaching people how to care for their teeth and gums. They may refer clients to dentists for more specialised dental treatment.

Radiography (Medical Radiation Technologists)

  • ​What is it? As described by CareersNZ, medical radiation technologists use X-ray and other imaging equipment to take images of injuries and diseases.
  • Why study it? Radiographers work with patients taking images for health scans - an ideal student will have an interest in Mathematics, physics, biology and chemistry, and health in general.
  • ​Why is it a top 20 job? New Zealand has a shortage of radiographers, with public hospitals in particular seeking graduates. Australia also has high demand, and the salaries on offer can be higher. The most recent government data confirmed a median starting salary of $57,000. 
  • Related school subjects: Physics, Mathematics, Chemistry and Biology
  • Median starting salary: $57,000 ($53,000 to $62,000 range)
  • Median salary five years after graduating: $77,000
  • Study time: 3 years
  • Fee cost (estimate): Around $24,000 to $30,000, excluding first-year fee waiver, course-related costs and living expenses
  • Career change potential: Limited - Radiographers can later work in angiography and mammography, or study towards MRI, ultrasound and nuclear medicine. Radiographers can also manage a practice and work in research.
  • New Zealand Employers who hire graduates: Private clinics and public hospitals
  • Good points: Good salary, people-facing, a hands-on job, variety in areas to specialise in, job satisfaction from treating patients, overseas work possibilities.
  • Challenges: It is physically demanding work (standing, lifting), you may be exposed to radiation and the hours can be unsociable - weekends and holidays. 
  • Learn more: The MRT Board has limited information for potential students.
  • Where to study? Various institutions offer degrees such as a Bachelor of Radiation Therapy, Bachelor of Medical Imaging or similar.

Programmers, IT architects and software developers

  • ​What is it?  CareersNZ describes a Systems Administrator as someone who develops, maintains and administers computer operating systems, database management systems, and security policies and procedures.
  • Why study it? IT skills are in demand, especially in main cities like Auckland and Wellington. But there is one issue - employers are favouring graduates with experience. An ideal student will have an interest in computer science, Mathematics, programming and computers in general.
  • ​Why is it a top 20 job? There are numerous IT-related jobs on Immigration New Zealand’s long-term skill shortage list, including software engineer, database administrator, systems administrator, ICT security specialist and network administrator. Because of this shortage of New Zealand IT professionals, there has been a large rise in foreigners immigrating to fill positions. Worldwide, programmers, IT architects and software developers are in high demand, and the salaries on offer can be higher in Australia. The most recent government data confirmed a median starting salary of $57,000. 
  • Related school subjects: Mathematics, Computer Studies 
  • Median starting salary: $57,000 ($53,000 to $62,000 range)
  • Median salary five years after graduating: $77,000
  • Study time: 3 years
  • Fee cost (estimate): Around $15,000 to $20,000, excluding first-year fee waiver, course-related costs and living expenses
  • Career change potential: High - IT is very broad, and while your first job may be in something quite specific, there will be room to pivot later on. 
  • New Zealand Employers who hire graduates: Many hire, but issues have been reported in the media about a lack of IT experience preventing more jobs being offered. Part-time work is recommended to bridge this skills gap, which is somewhat unique to IT graduates.  
  • Good points: Many areas to specialise in, constantly changing technology, very good salaries, jobs constantly being created as new businesses set up in New Zealand and existing companies adapt new technology.  
  • Challenges: It can be long hours, main cities (Auckland, Wellington) offer the most jobs with limited opportunities in the regions. 
  • Learn more: CareersNZ has helpful key points for software engineering and systems administration.
  • Where to study? Degrees are offered from universities nationwide.

Veterinarian​

  • ​What is it? As described by CareersNZ, Vets treat sick and injured animals, provide general animal care, and advise about health care and disease prevention for pets and farm (production) animals.
  • Why study it? Vets work with domestic pets and commercial farming animals treating their issues; an ideal student will have an interest in biology and chemistry, and animals and health in general.
  • ​Why is it a top 20 job? Job prospects for veterinarians are generally very good, particularly in the rural sector, where there is a vet shortage. The most recent government data confirmed a median starting salary of $57,000. 
  • Related school subjects: Biology and Chemistry
  • Graduate veterinarians salary: A range, between $58,000 and $76,000 per year (due to limited government data, this range has been sourced from the New Zealand Veterinary Association's 2017 survey).
  • Median salary eight years after graduating: $82,000 (no government data exists before eight years of employment)
  • Study time: 5 years
  • Fee cost (estimate): Around $60,000 to $70,0000, excluding first-year fee waiver, course-related costs and living expenses
  • Career change potential: Limited - Vets can go on to manage a practice, buy a practice and/or specialise in a particular area (equine, etc.).
  • New Zealand Employers who hire graduates: Vet clinics all over New Zealand.
  • Good points: Good salary, people and animal-facing, a hands-on job, variety of areas to specialise in, job satisfaction from treating animals and making them feel better, varied day-to-day patients (i.e. all sorts of animals coming through).
  • Challenges: It is physically demanding work (restraining animals, standing, lifting), continuous exposure to a range of irritated animals (some bite, some kick, some scratch), the hours can be unsociable - evenings, weekends and holidays, animal owners can be hostile and need to be managed, acceptance that treatments that could treat an animal won't be available financially to some owners (meaning the animal will not be treated).
  • Learn more: The NZVA has limited information for potential students.
  • Where to study? Massey University in Palmerston North is the only university in New Zealand offering veterinary science degrees.

Quantity Surveyor​​

  • What is it? As described by CareersNZ, Quantity surveyors manage finances for construction projects. They calculate budgets based on clients' requirements, and prepare detailed estimates to ensure budgets are sufficient for each stage of construction.
  • Why study it? An ideal student will have an interest in structural design and building infrastructure.
  • ​Why is it a top 20 job? Throughout New Zealand, infrastructure and construction projects are booming, and more big-scale development is planned for the coming decades. Quantity surveyors play a key role in these projects by preparing tenders based on estimated building and construction costs. There is a massive shortage of quantity surveyors in New Zealand, Australia and the UK, meaning employment opportunities are strong. The job also pays well - while there is no degree-specific earning data, Stats NZ data estimated that new quantity surveyors earn $40,000 to $55,000 a year, whereas fully qualified quantity surveyors (with some experience) usually earn about $75,000 to $150,000 a year.
  • Related school subjects: Physics, Economics and Mathematics
  • Estimated starting salary: $40,000 to $55,000 range
  • Average income: In 2017, the average income for quantity surveyors was estimated to be $86,000.
  • Study time: 3 years
  • Fee cost (estimate): Around $25,000, excluding first-year fee waiver, course-related costs and living expenses
  • Career change potential: Good - a quantity surveyor can take on many roles, including project management, being an expert witness, negotiations and dispute resolutions. Quantity surveyors usually work in the public and private sector, become consultants and go into management.
  • New Zealand Employers who hire graduates: Construction companies, specialist surveyor companies
  • Good points: Good salary, outdoor environment, continuous problem-solving, opportunity to explore the world, standard working hours (i.e. Monday to Friday), opportunities to specialise in a particular area, pride from seeing a completed project being used every day.
  • Challenges: You'll need to be fit and prepared to work in remote locations or away from home.
  • Learn more: Visit the helpful NZIQS website for further guidance
  • Where to study? Massey, UNITEC, Ara Institute and Otago Polytechnic
Nurse Education NZ website

Physiotherapy

  • ​​​What is it? As described by CareersNZ, Physiotherapists work to maintain and promote people's health. They help restore function and independence when people have a disability or a problem caused by physical, brain or nervous system disorders.
  • Why study it? An ideal student will have an interest in physical fitness, biology and health in general.
  • ​Why is it a top 20 job? New Zealand foresees a long-term shortage of physiotherapists, a trend seen in Australia and the UK as well. Physios are not paid as much as other health professions, but there is room to grow as many physios specialise and/or become self-employed. The most recent government data confirmed a median starting salary of $47,000. 
  • Related school subjects: Physics, Mathematics, Chemistry and Biology
  • Median starting salary: $47,000 ($37,000 to $51,000 range)
  • Study time: 4 years
  • Fee cost (estimate): Around $30,000, excluding first-year fee waiver, course-related costs and living expenses
  • Career change potential: Fair - Physiotherapists have the ability to work in the public and private sectors, specialise in an area such as orthopaedics, paediatrics and sports physiotherapy with elite athletes and sports teams. Many physios go on to buy their own practice, work overseas, become consultants and/or go into practice management.
  • New Zealand Employers who hire graduates: Hospitals and private clinics 
  • Good points: Reasonable starting salary, people-facing, satisfaction from treating and helping patients to resolve their issues, opportunities to specialise in a particular area, overseas work possibilities.
  • Challenges: It is high-energy work, and it can be long hours. Difficult patients can also be problematic. 
  • Learn more: Physio NZ has limited information
  • Where to study? AUT and the University of Otago both offer degrees in Physiotherapy
​
Related jobs with degree-level qualifications per CareersNZ:
  1. Chiropractor - Chiropractors help people reach and maintain good health and wellbeing through the care of the spine and nervous system. Chiropractors adjust the spine to correct nerve, muscle and joint disorders.
  2. Occupational Therapist - Occupational therapists assess and treat people who have limited ability to carry out everyday activities because of illness, injury or circumstance. 

Teachers (Primary and Secondary School)

  • ​What is it? As described by CareersNZ, school teachers plan, prepare and teach one or more subjects to students of about 5 to 18 years of age.
  • Why study it? An ideal student will have an interest in education, working with children and specialist subjects they are interested in (science, geography, music etc).
  • ​Why is it a top 20 job? New Zealand has a long-term teacher shortage crisis as teachers retire and less young people follow in their footsteps. We've placed it as a top 20 job because despite media reports of teachers being underpaid - earnings data suggests starting salaries are reasonable. Moreover, teachers continue to report high workplace satisfaction and happiness with their day-to-day routine. The shortages of teachers means demand is high, and teaching overseas can be highly lucrative in the short and long-term. Most of all, teaching has been generally undervalued by society (which doesn't sound like a positive), but we believe this is changing slowly. 
  • Related school subjects: Any - but science and mathematics teachers are most in demand, so a strong background in these subjects helps.
  • Median starting salary: $44,000 ($33,000 to $48,000 range)
  • Median salary five years after graduating: $52,000
  • Study time: 3 years
  • Fee cost (estimate): Around $20,000, excluding first-year fee waiver, course-related costs and living expenses
  • Career change potential: Fair - teachers can move into Administration (assistant principal, principal etc) or specialise in careers counselling or similar. Teachers who change careers often find employment in the public and private sector in any number of roles. 
  • New Zealand Employers who hire graduates: Schools - private and public.
  • Good points: Teachers frequently say that the job is varied and very rewarding, it is also people-facing and involves continuous problem-solving. A New Zealand teacher has significant overseas work possibilities, with high salaries offered specifically in Australia and the Middle East.
  • Challenges: Teachers repeatedly complain about the high workload, issues with parents demanding time outside of school hours, lack of appreciation and a highly intense working environment.
  • Learn more: TeachNZ has useful guidance, as does the Education Council.  
  • Where to study? Various universities around New Zealand

Nursing

  • ​What is it? As described by CareersNZ, Registered nurses assess, treat, care for and support patients in hospitals, clinics, residential care facilities and their homes.
  • Why study it? Nursing is varied, and nurses work with patients with a variety of needs - an ideal student will have an interest in health in general and in medicine. There are so many areas where nurses work, from mental health, private clinics, accident and emergency to armed forces, elderly care and within education.
  • ​Why is it a top 20 job? New Zealand has a shortage of nurses, with public hospitals in particular seeking graduates. The issue has become significant due to many nurses now entering retirement. Australia also has a massive shortage, where the salaries on offer can be higher. The most recent government data confirmed a median starting salary of $44,000. 
  • Related school subjects: Chemistry and Biology
  • Median starting salary: $44,000 ($34,000 to $49,000 range)
  • Median salary five years after graduating: $63,000
  • Study time: 3 years
  • Fee cost (estimate): Around $20,000 to $25,000, excluding first-year fee waiver, course-related costs and living expenses
  • Career change potential: Reasonable - there are so many aspects of the health industry that a career pivot to a specialised area is relatively easy, and nurses can move into midwifery and other related careers without significant additional study.
  • New Zealand Employers who hire graduates: Private clinics and public hospitals
  • Good points: Reasonable salary, people-facing, hands-on job, variety in areas to specialise in, job satisfaction from treating patients, overseas work possibilities, engaging and high-octane environment.
  • Challenges: Relatively lower pay to other professions throughout career progression, physically demanding work (standing, lifting, walking, running), shift work is likely if you work at a hospital, hours can be unsociable - weekends and holidays. 
  • Learn more: The Ministry of Health offers useful next-steps information for potential students.
  • Where to study? Various institutions all over New Zealand; see the NZ Nurses Organisation website

Midwife

  • What is it? As described by CareersNZ, Midwives provide care and support to women, their partners and family during pregnancy, labour and birth, and for six weeks following the birth. They also provide wellness and parenting information and education for mothers and their families.
  • ​Why study it? Midwifery is a challenging and high-energy profession. Midwives have flexibility so it's a job that can suit a lifestyle, offering either shift work, work in public hospitals or self-employment. Those who are self-employed work to scheduled appointments and are then on-call as needed to help with issues and questions from mothers-to-be and new mothers. An ideal student will have an interest in health in general and in medicine.
  • ​Why is it a top 20 job? New Zealand has a chronic shortage of midwives, especially in Auckland and in some rural areas. The issue has become significant due to many midwives now retiring and an increasing population size overall. Right now, there has never been a higher demand for the profession. Midwives work hard, but share the satisfaction of safely preparing and delivering babies into the world. The most recent government data confirmed a typical starting salary of $49,000. 
  • Related school subjects: Chemistry and Biology
  • Expected starting salary: $49,000
  • Expected salary five years after graduating: $71,000
  • Study time: 3 years
  • Fee cost (estimate): Around $20,000 to $30,000, excluding first-year fee waiver, course-related costs and living expenses
  • Career change potential: Limited - midwifery is fairly specialised, but many midwives go on to start their own business and take as many (or as few) clients as they come, as the government pays per client.
  • New Zealand Employers who hire graduates: Public hospitals
  • Good points: Reasonable salary, 100% people-facing, hands-on job, a range of different clients with a number of needs, continuous problem-solving, job satisfaction from helping mothers and babies, overseas work possibilities, engaging and high-energy environment.
  • Challenges: The hours can be unpredictable if self-employed, making it difficult to take time off, shift work is mandatory at public hospitals, it is physically demanding work (driving to visit clients and the assistance you provide is physical), births can be complicated, hours can be unsociable - weekends and holidays. 
  • Learn more: CareersNZ offers useful next-steps information for potential students.
  • Where to study? Various institutions all over New Zealand; see the New Zealand College of Midwives for more details.

Accountant

  • ​What is it? As described by CareersNZ, Accountants provide accounting systems and services relating to taxation and the financial dealings of organisations and individuals.
  • Why study it? Accountancy has a reputation of being boring, but like all jobs, what you put into it is what you'll get out of it. Employers all over New Zealand need qualified accountants, and accounting is a professional qualification that lets you pivot into a number of businesses. It's also a great fall back option should you want to try something else later on. Accountants really do get a huge exposure to a range of businesses. Accounting offers a strong foundation to follow your passions in any one of a number of industries.
  • ​Why is it a top 20 job? New Zealand has a shortage of accountants around the country despite the reasonable starting salaries and comfortable office environments. Accountants offer a range of services, from auditing, business consulting, taxation advice and other useful services. Accountants who qualify in New Zealand are professionally recognised overseas, with Australia and the United Kingdom being the biggest growth markets.
  • Related school subjects: Mathematics, Accounting, Economics, English
  • Median starting salary: $43,000 ($37,000 to $50,000 range)
  • Median salary five years after graduating: $64,000
  • Study time: 3 years
  • Fee cost (estimate): Around $15,000 to $20,000, excluding first-year fee waiver, course-related costs and living expenses
  • Career change potential: Huge - qualified accountants can gravitate to any number of industries and take up positions that go beyond the standard accounting role. Examples include sales management, marketing management and operations management. Many qualified accountants 'stay on' in their roles and become 'financial analysts', 'business partnership accountants' and 'group reporting managers'. Chartered accountants have unlimited potential to pivot, but those unwilling or happy to stay in the core accounting services will find plenty of opportunities. 
  • New Zealand Employers who hire graduates: Accounting firms, government departments, public and private companies.
  • Good points: Reasonable salary, 9 to 5 hours in most cases, people-facing, exposure to different industries, a variety of areas to specialise in later on, overseas work possibilities, graduates report working in high-energy, sociable and engaging environments.
  • Challenges: Many aspects are repetitive - for example, financial reporting is done monthly, roles overseas are often contract-based and can lack career progression opportunities. 
  • Learn more: CareersNZ offers useful next-steps information for potential students.
  • Where to study? Various institutions all over New Zealand offer a B Com degree.

Certificate, Diploma, Apprenticeship and Trade-Based Courses

Again, in no particular order, we list eight jobs that rise above the rest when it comes to higher education opportunities. Please be aware:
  • For the trades we have listed below, it's useful to be aware that many of these jobs pay an apprenticeship wage as you earn, so unlike University, you will be 'paid to learn' and graduate qualified and free of student-debt.
  • Trades can lead to self-employment. This means you're your own boss, but it also requires you to do all the things that come with running a business - making sales, marketing, paying staff, customer service and delivering to the client their product or service.
  • Trades have become increasingly popular in recent years as people look to move away from University study and work in something that is hands-on, creative and outside the confines of an office.
  • Many builders, roofers, plumbers, electricians, etc. work for companies as employees, so if self-employment and running a business isn't for you just now, there is flexibility. The same can be said about chefs, mechanics and a host of other professions.
  • If you are considering a trade, get a driver's licence. Most trades either involve shift work (chef work, farming, midwifery etc) or on-site work (electrician, building, plumbing, roofing etc) meaning getting to and from work safely and on time is essential. 
  • And, trades are NOT only for men - media reports frequently show females working in trades, with numbers around 2% of total trade employees increasing as a number of incentives and programs aimed at lifting this percentage are achieving their targets. Reality television programs like 'The Block' have also shown that carpentry and construction are no longer male-only jobs. If you're female and want to build, create, fix and work outside, a trade is an attractive opportunity.

Farm Worker

  • ​What is it? As described by CareersNZ, Farm workers help farmers with a variety of tasks, including raising and caring for livestock, repairs and maintenance, tractor work, and other farming activities.
  • Why work in it, and why is it a top 20 job? Farm work is the backbone of the New Zealand economy and not since the early settlers has there been more urgent need for young people to take up farming. There are many opportunities within farming and few jobs offer such day-to-day variety in tasks. Technology is also changing and improving farming practices, meaning that what you learn and practice will continue to advance. Common sense, hard work and a willingness to learn make farming a solid career and work up to be a farm manager or experienced practical farmer. Demand for new farm workers is projected to continue beyond 2025, meaning plenty of employment options are likely to be available.   
  • Related school subjects: English, Horticulture, Mathematics
  • Salary: It ranges; per CareersNZ, Dairy farm workers earn between $40,000 and $47,000 a year, Shepherds on sheep and beef farms usually earn between $47,000 and $51,000 a year and Tractor drivers on mixed crop and livestock farms usually earn between $46,000 and $53,000 a year. 
  • Study time: You don't need a qualification, as skills are learned on the job, but a qualification can help further your career if you decide to specialise. Visit the Primary ITO website for more details.
  • Fee cost (estimate): It depends on what you study, as training professionally is optional.
  • Career change potential: Reasonable - farm workers learn a number of skills and can pivot to specialise in dairy, sheep and beef, deer, pigs etc.
  • New Zealand Employers who hire graduates: Federated Farmers has launched an Apprenticeship Dairy programme - visit their website to register. But it's not just dairy farms where workers are in demand - farms all over the country are looking for workers and the demand for skilled and unskilled workers shows no signs of falling. 
  • Good points: Reasonable salary, fantastic skill development (shearing, tractor use, haymaking, repairs and maintenance, animal maintenance), working with like-minded people, continuous training, constantly changing environments and problem-solving.
  • Challenges: Physically demanding work (standing, running, lifting, walking), you need to be comfortable with animals which can be aggressive, the chance of injury (usually from not following safety instructions or strained muscles), outside work in all weather conditions, all year round, early starts (for dairy farms especially) and exposure to heat and sun. 
  • Learn more: CareersNZ offers useful next-steps information for potential students.
  • Where to study? Visit Primary Industry Training Organisation (Primary ITO) which outlines study options for dairy farming, sheep and beef farming, and has more information about farms looking to take on staff.

Roofer

  • ​What is it? As described by CareersNZ, Roofers repair or install roofs using materials such as roofing iron, tiles and shingles.
  • Why study it? Roofing is an outdoors profession that is high-energy, varied, physical and constantly changing. It pays a reasonable salary, and roofers work in teams to complete a number of different-sized projects. Roofers are often self-employed, meaning they own and manage their own business. Salaries are reported to be increasing, and start at around $50,000 per year.
  • ​Why is it a top 20 job? New Zealand's trade shortage includes roofers, and while it's hard work, all-weather and 99% outdoors, Roofers are predicted by government data to be in long-term demand, with Auckland and Christchurch being the hot spots for employment.
  • Related school subjects: English and Mathematics
  • Salary: It ranges; apprentices start on anything from the legal $13.20 per hour, but reports in previous years indicate that $15.00 and above can be expected. Per CareersNZ, there are no set pay rates for roofing contractors; what you earn depends on your ability, as well as how often you work and the success of your roofing company.
  • Study time: Per CareersNZ, to become a qualified roofer you need to complete an apprenticeship and gain a National Certificate in Roofing – Installer (Level 4). Two years of training usually required.
  • Fee cost (estimate): Can be $0 if covered by an apprenticeship -the RANZ outlines the specifics of roofing apprenticeship options.
  • Career change potential: Reasonable but somewhat limited - roofers can specialise in tiling, working with a particular material, specific roofing techniques, start their own company or sub-contract for large projects, or go into project management.
  • New Zealand Employers who hire graduates: Roofing companies employ apprentices, and train them to be qualified roofers - so you need to find a job with a roofer before starting an apprenticeship. In Auckland and Christchurch in particular, roofing apprentices are in high demand. 
  • Good points: Reasonable salary, team environment, working with like-minded people, social atmosphere, continuous training and development as no roofing project is the same as the next one, creative work and constantly changing environments and problem-solving. Many roofers gain experience and go on to start their own building company.
  • Challenges: Physically demanding work (standing, lifting, walking), you need to be comfortable with heights, chance of injury (usually from not following safety instructions or strained muscles), outside work with direct exposure to heat and sun. 
  • Learn more: CareersNZ offers useful next-steps information for potential students.
  • Where to study? Visit RANZ and approach roofing companies to see if they are looking to take on apprentices. 

Electrician

  • What is it? As described by CareersNZ, Electricians install, maintain and repair electrical systems and equipment.
  • ​Why study it? Electricians work in a profession that is high-energy, varied, physical and constantly changing. The on-the-job problem-solving is technical and fulfilling - electricians install electrical wiring and equipment, repair and replace electrical wiring, safety-test electrical work and help buildings take shape. Electricians can be self-employed or work for medium and large-sized companies.
  • ​Why is it a top 20 job? New Zealand has an electrician shortage with this continuing in the long term. Day-to-day work is mostly inside working conditions and per Careers NZ, it pays well (see below) and continues to be an area which attracts young and ambitious young people looking for a trade. 
  • Related school subjects: English, Physics, Electronics and Mathematics
  • Salary: It ranges; apprentices start on anything from the legal $13.20 per hour, but will often be higher. Per CareersNZ, Qualified electricians usually earn $25 to $32 an hour and experienced electricians working in specialist fields or running their own businesses can earn $80,000 to $100,000 a year or more. If you later work for yourself, how much you earn will depend on the success of your business.
  • Study time: Around three to four years of work and study to become a registered electrician.
  • Fee cost (estimate): Can be $0 if covered by an apprenticeship -the ETCO website outlines apprenticeship options.
  • Career change potential: Reasonable - registered electricians can start their own business and decide to specialise in domestic work (wiring up houses) to maintaining equipment in a large industrial plant, and everything else in between.
  • New Zealand Employers who hire graduates: Electricians employ apprentices, and train them to be registered electricians - so you need to find a job with a suitable electrical company before starting an apprenticeship.
  • Good points: Reasonable salary with potential to earn higher with your own business later on, team environment, working with like-minded people, social atmosphere, continuous training and development - no two electrical projects are the same, creative work and constantly changing environments and problem-solving.
  • Challenges: Physically demanding work (standing, crawling into small spaces, climbing), you need to be comfortable with heights, chance of injury (usually from not following safety instructions or strained muscles), building sites can be dusty. 
  • Learn more: CareersNZ offers useful next-steps information for potential students.
  • Where to study? Visit ETCO to sign up online - ETCO will assess your application and match you with local companies looking for apprentices. 

Builder (i.e. Master Builders or Licensed Building Practitioners)​

  • ​What is it? As described by CareersNZ, Builders plan, supervise and work on the construction and alteration of buildings.
  • Why study it? Building is varied, physical and constantly changing. Not only does it pay well, but builders also create things every day and feel proud of their finished work. Builders are in huge demand given a nationwide shortage, and there is a range of areas to work in once qualified. Builders after often self-employed, meaning they own and manage their own business. Salaries are reported to be increasing and many builders earn over $100,000 every year.
  • ​Why is it a top 20 job? New Zealand has a shortage of builders despite it being a creative job that pays well and offers a path to owning your own business. It's hard work, all-weather and 99% working outdoors, but New Zealand is desperately short of qualified and experienced builders - a situation that is predicted to last for a long time.
  • Related school subjects: Design, English and Mathematics
  • Salary: It ranges; apprentices start on anything from the legal $13.20 per hour, but reports in previous years indicate $15.00 and above can be expected. Per CareersNZ, there are no set pay rates for building contractors; what you earn depends on your ability, as well as how often you work and the success of your building company.
  • Study time: Per CareersNZ, it usually takes between two and four years to be a qualified builder.
  • Fee cost (estimate): Can be $0 if covered by an apprenticeship - BCITO, as one provider, outlines a lot of options.
  • Career change potential: Reasonable - builders can specialise in any number of areas, start their own company or sub-contract in to large projects or go into project management.
  • New Zealand Employers who hire graduates: Building companies employ apprentices, and train them to be qualified builders - so you need to find a job with a builder before starting an apprenticeship, which BCITO's TradeUp program and many other trade qualification providers offer. 
  • Good points: Reasonable salary, team environment, working with like-minded people, social atmosphere, continuous training and development as no building project is the same as the next one, creative work and constantly changing environments and problem-solving. Many builders gain experience and go on to start their own building company.
  • Challenges: Physically demanding work (standing, lifting, walking), the chance of injury (usually from not following safety instructions or strained muscles) and confined workplace (i.e. a building site). 
  • Learn more: CareersNZ offers useful next-steps information for potential students.
  • Where to study? Visit Building and Construction Industry Training Organisation (BCITO), Certified Builders Association of New Zealand (CBANZ) and the Registered Master Builders Federation

Plumber, Gasfitter and Drainlayer

  • What is it? As described by CareersNZ, Plumbers, gasfitters and drainlayers assemble, install and repair pipes, drains and fixtures and fittings that supply water and gas or remove waste.
  • ​Why study it? Firstly, plumbing has a reputation for being dirty work - but this isn't the case. For many plumbers, the work involves putting pipes in new houses, renovating older houses or working on commercial job sites, which offer sterile environments. Plumbers work in varied locations and every job is different. Plumbing pays a very good salary if you are self-employed, put in the hard work and run a successful business. According to Master Plumbers, once registered, you can expect to get a wage of around $55,000, with the potential to earn beyond $100,000 later on.
  • ​Why is it a top 20 job? New Zealand's Master Plumbers Association continues to claim there is a shortage of plumbers, with Auckland and Queenstown being hotspots for jobs. Plumbers can specialise in new-builds, emergency plumbing, large-scale industrial development or a bit of everything. Because of the shortage and because it's an essential skill to society, plumbers are making good money and have strong prospects of staying fully employed.
  • Related school subjects: English and Mathematics
  • Salary: It ranges; apprentices start on anything from the legal $13.20 per hour, but can often be higher. 
  • Study time: The Master Plumbers MasterLink website states that to become a qualified plumber, you need to complete an apprenticeship which can take between two and four years.
  • Fee cost (estimate): The Master Plumbers MasterLink website suggests around $6,000, but these fees are deducted from wages as you train to become a qualified plumber. The MasterLink program also offers a $2,000 toolkit grant.
  • Career change potential: Reasonable but somewhat limited - plumbers can start their own company or sub-contract in to large projects or go into project management.
  • New Zealand Employers who hire graduates: Plumbing companies employ apprentices, and train them to be qualified plumbers. The MasterLink program from the Master Plumbers requires potential apprentices to apply directly and then be placed with a Master Builder for training. In Auckland, Queenstown and Christchurch in particular, plumbing apprentices are in high demand. 
  • Good points: Reasonable salary, team environment, working with like-minded people, social atmosphere, continuous training and development as no plumbing project is the same as the next one, creative work and constantly changing environments and problem-solving. 90% of qualified plumbers are self-employed or work in a company of less than five people.
  • Challenges: Physically demanding work (crawling around, climbing, negotiating tight spaces), the profession has a reputation for being messy - mostly undeserved, there is a chance of injury (usually from not following safety instructions or strained muscles), outside work with direct exposure to heat and sun. 
  • Learn more: CareersNZ offers useful next-steps information for potential students.
  • Where to study? Visit MasterLink to learn more about opportunities, what plumbing involves and to submit an application. 

Automotive Technician

  • What is it? As described by CareersNZ, Automotive technicians service and repair vehicles and their parts and systems.
  • ​Why study it? Many people love cars, and being an automotive technician (i.e. mechanic) can be a dream come true for car enthusiasts who have a mind for problem-solving. It's a hands-on job, working with all makes and models of vehicles to repair, replace or rebuild as needed. For many automotive technicians, the work involves checking faults, working out what is causing them, work on engines, performing Warrant of Fitness checks, vehicle upgrades and of course dealing with customers.
  • ​Why is it a top 20 job? New Zealand's MTA and recent media reports both recognise that there is a chronic shortage of qualified automotive technicians throughout New Zealand. But beyond the skills shortage, automotive technicians can grow into workshop management roles or look to buy their own workshop later on. Because of the shortage and because it's an essential skill to society, automotive engineers are making good money and have strong prospects of staying fully employed.
  • Related school subjects: English and Mathematics
  • Salary: It ranges; apprentices start on anything from the legal $13.20 per hour, but it is often higher. Trade qualified Automotive Technicians are presently paid NZ$32 to $42 per hour for new hires, as outlined by this excellent guide.
  • Study time: The MTA guide suggests becoming qualified can take up to three to four years.
  • Fee cost (estimate): Apprenticeships earn as they learn, and fees should be minimal or paid by the employer.
  • Career change potential: Reasonable but somewhat limited - automotive technicians can specialise in heavy vehicles, roadside rescue, management of workshops and/or start their own company.
  • New Zealand Employers who hire graduates: Automotive technicians need to be employed by qualifying employers first, who are then trained on-the-job to become qualified automotive technicians. Demand is strong for applicants all around New Zealand. 
  • Good points: Reasonable salary, team environment, working with cars, problem-solving, continuous training and development, no vehicle issue or request is like the other, working with your hands and working in a social environment.
  • Challenges: Physically demanding work (crawling around, negotiating tight spaces), garages have a reputation of being dusty and dirty but this is often undeserved as many are very clean.
  • Learn more: CareersNZ offers useful next-steps information for potential students.
  • Where to study? Visit MITO to learn more about opportunities and apprenticeship programs.

Collision Repair Technician (Panelbeater)

  • What is it? As described by CareersNZ, collision repair technicians repair and replace damaged body parts of cars and other vehicles.
  • ​Why study it? Many people love cars, and being a collision repair technician can be a dream come true for car enthusiasts who have a mind for problem-solving. It's a hands-on job; you work with welders, 3D measuring equipment, all makes and models of vehicles to repair or rebuild as needed. Collision repair graduates are in huge demand as there is a massive shortage of qualified professionals. Dealing with customers is also important, so it's interactive with the general public.
  • ​Why is it a top 20 job? Collision repair technicians can grow into workshop management roles, or specialise in insurance assessment. Because collision repair professionals are in such huge demand, qualified professionals are making good money and have strong prospects of staying fully employed. It's a job that offers variety in an industry that is constantly changing and advancing with new technology.
  • Related school subjects: English and Mathematics 
  • Salary: It ranges; apprentices start on anything from the legal $13.20 per hour, but it can be higher. Trade qualified collision repair technicians with over five years' experience can earn between $25 to $35 an hour, and may receive other benefits.
  • Study time: The MITO guide suggests becoming a qualified collision repair technician takes around three and a half years.
  • Fee cost (estimate): Apprenticeships earn as they learn, and fees should be minimal or paid by the employer.
  • Career change potential: Reasonable - collision repair technicians can specialise in a particular make of vehicle and work exclusively in a dealership. Skills include welding and metalwork, which are transferable. Qualified and experienced collision repair technicians can begin to manage a workplace, and there is an opportunity later on to start your own company.
  • New Zealand Employers who hire graduates: Collision repair technicians need to be employed by qualifying employers first, who are then trained on-the-job to become qualified. Demand is strong for applicants all around New Zealand. 
  • Good points: Reasonable salary, in-demand job all over New Zealand, team environment, working with cars, problem-solving, continuous training and development, constant challenges as no vehicle issue or request is like the other, working with your hands, working with customers and anticipating their needs, working in a social environment.
  • Challenges: Physically demanding work (removing and adjusting car bodywork, working with heavy tools), garages have a reputation of being dusty and dirty but this is often undeserved as many are very clean.
  • Learn more: CareersNZ offers useful next-steps information for potential students.
  • Where to study? Visit MITO to learn more about collision repair training opportunities and apprenticeship programs.

10 Study and Higher Education Must-Know Facts and Figures

​Education is snobby and there is a hierarchy – Universities rule the roost for degrees, and degrees tend to be more respected than diplomas or certificates when it comes to studying a specific subject

Unless you’re doing a specialist course from a specific provider, it is widely understood that in the eyes of employers, a University degree trumps the same degree from institutes of technology and polytechnics or private education providers. This primarily applies to degrees and diplomas in business, IT, medical-related studies and engineering. 

For example, if you plan to study a course in accounting or IT, a degree is most likely going to make you more employable than a diploma or a certificate. A degree is generally perceived to be better quality and be of a higher standard than a non-degree qualification.

Education providers rarely publish key data about your course

Universities and education providers do not publish their graduates' salary data, employment data or estimated starting salary details alongside their courses. To find that out, you will have to do a deep dive into government-produced statistics. We don’t think this is right – when you buy an education, you buy a future. Not being able to measure the value of that future in dollar terms seems unreasonable, especially as the historical data is available.

If you're not sure about a degree or course and it is fairly specific, think long and hard before you enrol

The rumour about the dental student who studied for five years only to quit her dentist job five weeks after graduating isn't fiction - it's a true story. If you're going to study something, make sure you actually have an interest in it. Talk to people who do the job, read up online about what it entails. All too often, students enrol in courses only to find the subjects uninteresting - their grades suffer, and their job prospects are poor as a result. 

Some degrees, like a BCom, are much broader, giving you time to forge a career path

A BCom isn't a default degree, but it is one of the more broader options that gives you exposure to a range of subjects and fields. But, a BCom is not without its drawbacks. 

Nevertheless, a BCom provides a foundation block of many job opportunities later on and buys time to decide what interests you specifically. Unlike a science or arts degree, BComs tend to be quite general, although a specialisation is usually chosen by the second year.

Employers look at grades, even from your first year

Chances are you haven't even thought about applying for a graduate job, and that is reasonable. However, it is worth knowing that every grade you get can give weight to a job application later down the road. This means everything from semester one and beyond is important.

Tutorials and study groups are infinitely helpful, as is tutoring others

Higher education is a lot easier when you have friends and classmates with whom you can learn together. You'll be exposed to new concepts, teaching styles and ways of learning - tackling it as a group is much easier. Day one of your course really needs to be about making friends as much as it is about forming good study habits.

No matter what you study, helping or informally tutoring others in your year is a proven way to double-down on what you have learned and a good way to apply it.

Time is money - be prepared each day, every day

Unlike school, Universities don't have a teacher moving around the classroom to assist you if you need help. Preparation before class makes studying much easier - if you have been assigned reading, for example, read it. Being unprepared is a fast way to fall behind, get stressed and ultimately waste time catching up. Preparing for classes isn't an overwhelming obligation, and getting into good habits early will make life easier.

Get organised with a part-time job and/or holiday work before everyone else

Your first year of study after school can be a smooth transition if you get organised early. If you had a part-time job at school and want to continue it while you study, let your employer know in advance. Students inundate employers with summer job enquiries at the end of every year, so getting organised around September before exams is a good idea, line up opportunities well in advance.

Volunteering your time can be hugely beneficial while you study

It's likely that, unless you are enrolled in pre-med or other competitive courses, you will have spare time even outside of your job. There are thousands of positions all over New Zealand listed on Seek Volunteer, offering your time helps you improve your soft skills. Employers fondly look at self-starting students who have taken the initiative to volunteer their time throughout their studies. You may even find volunteering opportunities that fit in well with your daily study schedule, meaning two hours here and there can build up to a good relationship and make a difference.

Make the most of the resources available

Wherever you study, and whatever course you do, government-supported education providers have a lot of resources. For example, Universities offer a range of clubs and societies you can join, providing for a range of interests. The libraries are extensive - and will most likely exceed the offering of city and town libraries located throughout New Zealand. Your time studying your course will be brief, so don't neglect to take advantage of what is at your fingertips.

Tips for managing your money while studying, and after you graduate

1. Consider living at home if your course is close by
Living away from home to study can make the difference between a $10,000 student loan and a $60,000 student loan. There are many benefits from living at home, such as stability, support and convenience. But living away is also popular; it can offer a true ‘student experience’ and you are likely to make new friends in and outside of your course. For anyone living in a provincial town or city, living away from home to study is the only option. But costs for housing and food keep increasing, and three to four more years of living at home can give you a head-start when you graduate with a much smaller student loan if you manage your needs.
2. Be prepared to consider moving to Auckland, Wellington or Christchurch after you graduate
Most graduates start their working life in Auckland, Wellington and Christchurch and you will need to be able to finance your relocation, 

​​Regardless of whether you are a builder, nurse or lawyer, the job creation hot spots are where most of New Zealanders live. It’s reasonable to keep this in mind if you’re looking to study as the costs of relocating for a job after graduation can be significant, and you’re unlikely to get paid until one or two weeks after your starting date. This is why having a safety cushion of $3,000 (see the next point) is really helpful.
3. Having a safety net of $3,000 and/or a part-time job will make studying a lot easier
Studying is a long, intense process. Money worries are an unnecessary distraction. With the minimum wage at $20/hour, you can comfortably earn around $5,500, spend around $2,000 and save up to $3,000 (after tax) if you work 30 hours a week for 8 weeks before starting your course. You can use this money to either pay for living costs not covered by the student loan and/or student allowance payment, or save it, or a mixture of both. You can also use interest-free overdrafts (see the next point).
4. Get the right student bank account
Student bank accounts are NOT all the same, and the best interest-free overdraft deal helps alongside a student loan.
Our ongoing review of student bank accounts outlines the best on offer. Having access to a large, interest-free overdraft is the best way to provide an added financial cushion throughout your studies. Paying the least for such an overdraft is the best idea. Check out our current best buy picks to decide what’s right for you.
5. Creating a budget is the most sensible thing you can do while studying
​Making a budget when you study is an A-grade way to avoid financial stress. Even if you're living at home while you study, knowing all about your finances teaches good habits. Want more ideas? Read our student money tips – we update it constantly with the latest information favoured by students all over New Zealand. It has a treasure trove of useful information to help you navigate student life with a good sense of your money. ​
Further student-related guides:

To help you start your journey to a career you love, MoneyHub has published a number of useful resources: