KiwiSaver isn’t just for adults. Setting KiwiSaver up for your child can give them a powerful head start on their financial future. With time on their side even small contributions can grow into something significant thanks to the power of long-term investing.

When you’re taking out insurance choosing the right excess can make a big difference to your premiums. A higher excess usually means lower monthly costs but it’s important to understand how this works and when it might be the right choice for you.

Your insurance needs change as your life changes. Without regular reviews you might end up paying too much or not having enough cover when you really need it. Taking time to review your insurance helps you stay protected and can even save you money.

Before you start house hunting it’s important to know exactly how much you can afford to borrow. A home loan pre-approval doesn’t just give you a number it gives you confidence, focus and a realistic understanding of your buying power.

If you're young and in good health life insurance might not seem like a priority. However, that's exactly when it can be most affordable and easiest to get. Starting early can give you peace of mind, financial security and protection for the people you care about most.

If you pass away without a will your money and belongings may not go to the people you would have chosen. Instead, the law decides who gets what. The process can be slower, more expensive and a lot more stressful for your loved ones.

When you take out an insurance policy it might seem obvious that you own it, but ownership is more than just whose name is on the form. Understanding who owns your policy can affect who gets paid, who can make changes and how claims are processed.

Insurance policies often come with terms like ‘exclusions’ and ‘loadings’ that can be confusing at first. Understanding what these mean can help you make smarter decisions about your cover and avoid surprises later on.

Forming healthy habits like regular exercise or balanced eating doesn’t happen overnight. But with a bit of consistency, patience and the right mindset those small daily actions can turn into lasting routines that feel natural and rewarding.

Muscle recovery is just as important as exercise itself. Whether you’re new to working out or just feeling sore after a busy week, taking care of your body after movement helps prevent injury, ease stiffness and get you feeling strong again.

If someone dies from an accident in New Zealand ACC offers financial support to help ease the burden on their loved ones. This includes funeral grants, one-off payments and ongoing income support for dependants.

If you’re injured in an accident ACC helps cover the cost of treatment, rehabilitation and time off work. All of this without needing to prove who was at fault. It’s New Zealand’s way of making sure you get support when life takes an unexpected turn.

Mortgage protection and income protection might sound similar but they serve very different purposes. Knowing the difference helps you choose the right cover to protect your income, your home or both, all depending on your needs.

If you’ve joined KiwiSaver, but never picked a fund, chances are you’re in a default fund. These are designed to be a simple starting point. They may not be the best fit for your long-term goals. Understanding what a default fund is and whether it’s right for you can make a big difference to your future savings.

Travel insurance is your financial safety net when you’re away from home. Whether it's a missed flight, lost luggage or a sudden illness overseas, having cover can save you from costly surprises and added stress during your trip.

Critical illness and medical insurance both offer financial protection when health issues arise. However, they serve very different purposes. Understanding how each works will help you make the right choices for your personal situation.

Managing money can feel overwhelming but a simple system of using multiple bank accounts can help you stay organised, control spending and stick to your budget. Splitting your income into separate accounts for bills, spending and savings makes it easier to see where your money goes and stay in control.

Money can be one of the hardest topics to talk about in a relationship, but it’s also one of the most important. Whether you’re just starting out or have been together for years, learning how to talk openly about finances helps build trust, reduce tension and keep your future goals aligned.

When payday rolls around it’s easy to pay all your bills, treat yourself a little and then hope there’s something left over to save. But what if you flipped the script? Paying yourself first is a simple budgeting method that helps you prioritise saving before spending. It is something that can make a big difference to your long-term financial wellbeing.

Juggling multiple debts can feel overwhelming, especially when they all have different interest rates, due dates and payment amounts. A debt consolidation loan simplifies your finances by combining multiple debts into one. For many people this can reduce stress, save money and make it easier to stay on top of repayments.