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In three years from now, what would you like your financial life to look like?

Setting goals for what you want to achieve with your money can give you an actionable plan to follow and a reason to stay motivated. But which financial goals are the most important?

Here are a few financial goals to get you thinking about your financial bucket list.

Living within your means is about ensuring that you don’t spend more than what you earn each month. …

The first step to tackling your debt is understanding how much you have and how much interest you are paying on your debt. Different types of debt impact your finances in different ways. It is the high-interest debt that can have the biggest impact: payday loans, credit cards, store cards, car loans. Low-interest debt such as student loans and mortgages are less of a priority as you are not having to pay high interest on the loan.

Paying off debt is no easy task, especially if you just pay the minimum amount due each month. …

If you had an emergency and needed to come up with $400 right now, could you do it?

Many of us only have enough money to get from one payday to the next. And some of us would only be able to cover our expenses for a week or less if our income suddenly stopped.

If a real emergency were to arise, having an emergency fund protects us from high-interest loans, credit card debt and a lot of stress.

Emergency funds can save the day if you need them, but it can be tough to know how much to save…

Budgeting isn’t so tricky if you have a good understanding of your spending habits. We all see and use money in different ways and as a result, everyone’s spending habits are a bit different. By understanding your own you will see where you can cut out unnecessary spending and plan for the future.

It’s time to take a look at your spending habits!


  1. Get your bank statements for the last three months
  2. Look at your total spending for each month
  3. Split your spending into different categories. Here are some examples:
  • Housing
  • Transportation
  • Food
  • Utilities
  • Savings, investing
  • Debt payoff
  • Entertainment

When we think of relationships, we often think of our interactions with other people. Life experiences teach us that relationships with people can be positive or challenging, healthy or unhealthy, for many different reasons. But have you ever considered what your relationship with money is like?

So why is having a good relationship with money important? Financial wellness is an important part of our overall wellbeing. Financial wellness includes having a healthy relationship with money that makes us feel satisfied and not overly stressed out.

So how is our relationship with money formed? It’s formed by our observations and the…

Photo by Christina @ on Unsplash

Having a safe space where your employees feel comfortable to share their thoughts and troubles is important for both you and your workplace. It helps your employees to feel both safe and empowered, something all Kiwi businesses should aspire to.

Removing the stigma, changing the narrative

One conversation that needs to be brought to light is around money. Money can often be a taboo subject to talk about leading to about 20 hours lost per employee per month sorting personal finance worries. Creating a safe space for conversation at your workplace can help to remove this stigma. …

Investing in workplace wellbeing isn’t a matter of if, but a matter of when and how. If you’re not investing in wellbeing, you’re missing out on money.

New figures from the New Zealand Institute of Economic Research (NZIER) have found that for every dollar you spend on staff wellbeing, you will earn an average of $5 back on your investment within a year — money that is otherwise lost to poor productivity.

In fact, this return on investment can go as high as 12:1 — or $12 back for every dollar spent on wellbeing.

Happier, healthier employees are more productive…


A social entrepreneur and co-founder of Spring. Working to positively impact the lives of 400,000 kiwis living in financial hardship.

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