A healthy financial future starts with small, consistent actions. By developing positive habits, you can create a strong foundation for long-term financial success. Here are ten simple habits to adopt that can make a meaningful difference. Set clear financial goals The first step is to clearly identify what you want to achieve. Whether it’s saving […]
Category Archives: Learn
Money lessons from 2024 to take into 2025
There’s nothing like seeing the calendar switch over into a new year to focus your mind on the lessons learnt from the previous 12 months. You might be thinking about what you achieved, what went well and what could have been better. And if you’re setting some goals for 2025, the experience of 2024 may […]
2024 in review: Key economic lessons to take into 2025
2024 was a tumultuous year for many people. While there were bright spots – such as inflation falling back within the Reserve Bank’s target band, and interest rates coming down – tough economic times persisted. Unemployment steadily rose through the year, retail spending took a hit but lifted 0.6 percent in October, and there were […]
New year, new goals
As the new year approaches, you may be thinking about setting some resolutions. But what if this year, you revamped your approach to goal setting? What if, instead of aiming for the sort of targets you imagine other people might think are worthy, you prioritised what you want most – and what might have the […]
Navigating personal insurance with an adviser
When it comes to protecting your financial future, personal insurance plays a vital role. Whether it’s health, life, income protection, or trauma cover, the right cover can provide security and peace of mind. Sometimes, understanding which policies are right for you can be complex, which is where having an insurance adviser by your side can […]
Ethical KiwiSaver funds: Aligning your values
In recent years, it’s become increasingly common for investors to seek out investments that align with their personal beliefs and world view. For many KiwiSaver members, that has meant opting for KiwiSaver funds that are a good fit with their ethical goals, as well as their financial ones. So what do you need to know […]
The pros and cons of bridging finance
In an ideal world, when you’re moving from one house to the next, you might like to have the sale of your existing home sorted before you finalise the purchase of your next one. But things don’t always go according to plan. Bridging finance can sometimes be a solution in situations where transactions don’t quite […]
The importance of income protection insurance
Why should you consider income protection? Well, let’s start with this: New Zealand’s standard paid sick leave is ten days per year, after you have been employed by your employer for six months, accumulating to a maximum of 20 days in two years. So, how would you cope financially if illness or injury prevented you from […]
Can you get a home loan if you’re self-employed?
If you’re self-employed and thinking about applying for a home loan, you may be wondering where to start. A lot of the advice for house buyers tends to focus on people who can produce a pay slip from their employer to prove their income. But if you’re your own employer, what can you do? The […]
Reserve Bank’s cutting cycle begin
The Reserve Bank cut the official cash rate a full year earlier than it had previously forecast, taking the rate down to 5.25 percent in its August update. It said inflation was returning to the 1 percent to 3 percent target band, and the monetary policy committee had noted that weakening in the New Zealand […]