Money guides
Straight-talking guides to budgeting, saving and getting ahead in New Zealand.
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Credit cards at a 24-year high: what it means for your money
Credit cards hit 71.1% of NZ card spending in August, a 24-year high. What that really means, what interest costs here, and what to do if you carry a balance.
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KiwiSaver Contributions: What Changed, and What Your Rate Should Be
The government contribution to KiwiSaver was halved from 1 July 2025. It now pays 25 cents in the dollar up to $260.72 a year, with a new $180,000 income…
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Budgeting in NZ: Start Your Plan in 60 Minutes
Discover how to create a simple weekly budget in New Zealand in just 60 minutes. Get started with KiwiBudget and expert mentoring!
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Cold Flat, Big Power Bill: What NZ Students Are Entitled To This Winter
Your landlord must legally provide a fixed heater in the living room. You probably do not get the Winter Energy Payment on Student Allowance.
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Secondary Tax NZ: Why Your Second Job Feels Taxed to Death
Secondary tax is not a higher rate and it is not a penalty. Here is what SB, S, SH, ST and SA actually mean, why a second job is taxed at your top rate from…
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NZ Tax Brackets 2026: Your Complete Guide
Explore the NZ tax brackets for 2026, understand how higher earnings may affect your rate, and plan your finances effectively.