The 20% credit card rule helps you maintain a strong credit score by keeping your total card balances under 20% of your total credit limits. Learn how timing your payments can make a big difference.
The 70-15-15 budget splits your income into 70% spending, 15% saving, and 15% investing. Simple, flexible, and effective for real New Zealanders who want to build wealth without stress.
Student loan forgiveness timelines vary from 5 to 25 years depending on your job, loan type, and repayment plan. Learn the real paths to forgiveness and how to avoid common mistakes.
New Zealand's Superannuation is paid for life once you turn 65, but it's not enough to live comfortably. Learn how it works, what can stop it, and why saving on your own is still essential.
Remortgaging can save money - or cost you tens of thousands. Learn the real risks in New Zealand: hidden fees, extended terms, equity traps, and credit score damage. Know when it's smart - and when to walk away.
Buying Bitcoin comes with serious risks: extreme volatility, no legal protection, potential for total loss, and no income. It's not a reliable store of value or inflation hedge. Know the downsides before you invest.
The best budgeting strategy isn't one-size-fits-all. Learn which method-zero-based, 50/30/20, envelopes, or automation-fits your life in 2026 and actually sticks.
September has historically been the worst month for crypto prices, with Bitcoin and altcoins often dropping 8-12%. Learn why this happens, how to protect your investments, and when to buy back.
Learn how to legally beat Chase's 5/24 rule with smart strategies like business cards, authorized user accounts, and product changes - without hurting your credit score.
You can't pay a credit card bill with the same card, but you can transfer debt to another card with a 0% intro APR. Learn how balance transfers work, when they help, and what to avoid.
0 APR credit card offers seem like a deal, but they often trap users with hidden fees, high interest after the promo ends, and credit score damage. Here's why they're more dangerous than they look.
The first step in budgeting isn't cutting expenses - it's tracking every dollar you spend for 30 days. This simple habit reveals where your money really goes and sets the foundation for a realistic, lasting budget.
