When you think of the steps you might take towards being financially comfortable, you might think about setting up an investment, or trying to get a pay rise. But what about setting up an emergency fund? 

When was the last time you gave your expenses a good check-up? If it’s been a while, you might be surprised at the savings an unofficial audit could uncover. Here are a few places to start. 

Have you ever thought about how much your financial outcomes are affected by your individual money mindset?

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   Are you in the midst of your travel packing frenzy? Toothbrush, jandals, sunscreen – check. But, have you considered adding a Kiwi Summer toolbox to your essentials? Imagine a digital treasure trove filled with helpful, interesting, apps and tools to elevate your summer experience. Let’s unravel this digital toolbox!

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   Ah, the sweet Kiwi summer – a time for sun, surf, and perhaps a bit of relaxation with a good book or podcast. Whether you're lounging on the beach or embarking on a road trip through the stunning landscapes of Aotearoa, we've curated a list of top reads and listens that perfectly complement the warm vibes of the season.

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   Ah, the sweet anticipation of the Kiwi summer! As the days get longer and the temperatures rise, the call of the open road becomes irresistible. Whether you're a seasoned Kiwi road-tripper or a first-timer, gearing up for a summer adventure in this picturesque country is an experience in itself. So, let's dive into the essentials of getting ready for a memorable road trip through the stunning landscapes of Aotearoa.

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   Borrowing money is something most of us do at one point or another. Whether it's for a major purchase such as buying a new car or something as simple as getting a new laptop, loans are often a part of our financial journey. But before you dive into the world of loans, it's crucial to take a step back and assess whether it's the right choice for you. In this article, we're not here to give financial advice, but we do care about your financial well-being. So, we've put together some key considerations when you're contemplating borrowing money. Let's dive into it.

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   In a world where the cost of living can sometimes overshadow our pursuit of the good life, there are savvy ways to trim your expenses without compromising the quality of your lifestyle. In this article, we'll delve into some tried-and-true strategies to help you achieve smart spending nirvana, from canceling unnecessary subscriptions to unlocking hidden offers and discounts.

1. If you've been juggling multiple debts and are feeling a bit overwhelmed, you're not alone. Many people find themselves in a similar situation at some point. Luckily, there's a financial strategy that might help you regain control: debt consolidation. But hold on, before you jump into it headfirst, let's have a chat about how to assess whether debt consolidation is the right move for you.

1. Have you ever considered how much of your financial journey is influenced by your money mindset? Your thoughts, feelings, beliefs about money can shape how you manage your finances in many ways. That’s why it’s important to identify what’s driving you and – if needed – work on creating a healthier money mindset. Here’s some good food for thought to get you started. 

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   Ever heard of the saying "a picture is worth a thousand words?" That's the power behind a financial vision board – a creative and fun way to represent your financial goals and dreams. Your own financial vision board can be a daily reminder of what you're working towards, helping to keep you motivated and on track… Ready? Let’s jump in!

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As you explore your options for debt repayment, you may come across two popular strategies: the debt avalanche and the debt snowball. Each offers a distinct route to the same destination – debt-free life. So, what’s appropriate for you?