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Financial wellbeing

Financial wellbeing means understanding how money works, and managing your spending, saving and any debts so you can enjoy life today and live well tomorrow.

Steps to grow good money habits

Our financial wellbeing programme can help. Take it at your own pace. You can dip into just a step or two, or work through the programme's six steps in any order. It may help to start with getting your financial wellbeing score.

Get your score

Reflect on your money situation by answering a few questions (just for you, we won't peek).

Get your financial wellbeing score

Set a savings goal

Start with microsavings – putting aside a bit of money each payday – and build up to a goal.

Set a savings goal

Plan your spend

Tips to understand your needs and wants, and then track how you spend your money.

Plan your spend

Managing debt

Tactics to keep debt under control, plus tips on when borrowing money may be helpful.

Managing debt

Organise your accounts

Using account ‘buckets’ can help you stick to your budget and achieve your money goals.

Organise your accounts

Plan for the future

How to start growing your long-term savings. Future you can use it for big goals like retirement or a first home.

Plan for the future

Recent articles and guides

Delve deeper into specific topics, including money-saving hacks, understanding products like overdrafts, and how to talk about money with your whānau.

Borrowing money

Tips to pay off your personal loan

You can change your payments or make extra payments without any fees. If you find it hard to pay on time, talk to us about how we can help.
Tips to pay off your personal loan

Buying a home

How to manage higher home loan interest rates

Interest rates have risen in the past few years. How might this impact you and what steps could you take to manage your home loan?
Higher home loan interest rates

Saving habits

Save a $2k cash cushion

A financial reserve or emergency fund helps when the unexpected happens. Here are some ideas to kick off or build your buffer.
Save a cash cushion

Spend carefully

Ways to say I can't afford it

Whether it’s a Friday night pub meal with your pals or a weekend away with the whānau, sometimes you just have to say no.
Ways to say I can't afford it

Spend carefully

Five ideas for your financial wellbeing WOF check

Set aside 30 minutes to put your money under the spotlight. There’s no pass or fail, just five easy steps that could help your finances run smoothly.
Financial wellbeing WOF check

Spend carefully

How to manage rising living costs

Food, power bills, petrol prices – you name it – remain high. Here are some ideas that could help you manage higher costs as well as options for assistance.
Managing rising living costs

Saving habits

How to build a saver mindset

Want to grow that account balance? Your mental approach is key. Saving is less about putting aside large chunks of money and more about attitude.
Build a saver mindset

Money and your whānau

Starting financial wellbeing conversations

Thinking about money can feel hard enough, let alone discussing it with friends and whānau. These conversation starters may help.
Financial wellbeing conversations

Your money future

Save for the future you want

How do you save for a house deposit while also saving for your retirement? And how much do you need? The key is starting early and being consistent.
Save for future you

Borrowing money

Is an overdraft right for you?

Overdrafts are a form of short-term debt. They can be useful if you unexpectedly need extra funds – and have a plan to get your bank account back above $0.
Is an overdraft right for you

Borrowing money

Tips to pay off your personal loan

You can change your payments or make extra payments without any fees. If you find it hard to pay on time, talk to us about how we can help.
Tips to pay off your personal loan

Buying a home

How to manage higher home loan interest rates

Interest rates have risen in the past few years. How might this impact you and what steps could you take to manage your home loan?
Higher home loan interest rates

Related tools and content

Budget calculator

Plan your spending and saving with our budget calculator. Plug in your after-tax income and main expenses to create a budget that works for you.

Budget calculator

Savings goal calculator

Use this calculator to work out how much money you need to save weekly, monthly or each year to reach your savings goal.

Savings goal calculator

Savings growth calculator

See how much your savings will grow over time as you make regular payments and earn interest. 

Long-term savings calculator

Financial wellbeing webinars

Free webinars to learn about planning your spend, managing debt, setting savings goals and protecting your future.

Financial wellbeing webinars

Support if you face sudden financial stress

Unexpected events can put added stress on you and your wallet. If you start to worry about your situation, it’s important to talk to us early. Please don't go it alone. Call us on 0800 269 296.

Financial hardship

Our hardship team may be able to offer extra support if you experience a hardship event, e.g. job loss, serious illness, a relationship breakdown.