Find balance
We’re big fans of financial wellbeing. And while it’s great to commit to a budget, we reckon your general wellbeing is just as important.
So rather than sacrificing socialising because of the cost, consider these wallet-friendly options, then make a date.
Tip 1. Happy Hour, happy bank balance
Check if your favourite restaurants, cafes or bars offer a Happy Hour, and plan your get-together for then. Same vibe, food and drinks, but for a fraction of the usual price. Makes a great evening out taste even better.
Tip 2. See without spending
They say there’s no such thing as a free lunch. But there is such a thing as a free experience. Many museums, galleries and other exhibitions don’t charge entry fees. Beach or bush walks? They’re definitely free, not to mention good for your physical and mental health. You could create some fond memories while you’re at it (also free).
Tip 3. Make it movie night
Lights, sofa... and action! Oh, no wait. Popcorn. You’ll need popcorn. And maybe a scented candle or two. Invite friends over for a night in and maybe ask them to bring a snack to share. Top tip: Agree on a movie beforehand to avoid going down the trailer rabbit hole.
Tip 4. Budget travel
In the mood for a break but your bank account says otherwise? That probably rules out anything involving your passport, but you can holiday closer to home. There are loads of affordable campsites in primo spots around Aotearoa. Sleeping under canvas isn’t your thing? Try renting a bach, or plan a few day trips.
Tip 5. Local events
Keep an eye on your council and local businesses, as they regularly host events and offer free or cheap entertainment options. Everything from two-for-one deals to free events like outdoor movies, markets and pop-up art installations.
Tip 6. Explore your transport options
Want to get outside, but where you’re heading is a bit of a hike? Jump on a bus or train, especially if there are weekend or off-peak rates. Or you could rent an e-scooter or bike, if there are affordable options near you. E-scootering in the sunshine, anyone?
Tip 7. It’s OK to say no
Save your money for the things you really want to do. If you’re not sure about going to something, but feeling pressure from whānau or friends to attend, let them know you’re spending carefully. Invite them for a catch-up at your place instead. They’ll understand, as we all have times when we need to hunker down.
Staycations, low-cost catch-ups, and being selective about what you say yes to. They’re all great ways to boost your financial and general wellbeing.
Steps to financial wellbeing
Our financial wellbeing programme can help. Try one step or two, or work through the programme's six steps in any order.
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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.
Starting financial wellbeing conversations
Thinking about money can feel hard enough, let alone discussing it with friends and whānau. These conversation starters may help.
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Important information
This material is for information purposes only. Please talk to us if you need financial advice about your situation and goals or about our products and services. See our financial advice provider disclosure (PDF 39.9KB).