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Homepage Life & money

Managing your money.

Tips, tools and guides for budgeting, saving, borrowing and managing your money.

Budgeting & saving.

Budgeting basics, common mistakes to avoid, and smart saving suggestions.

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Avoid five common money mistakes

These everyday errors can be costly. Here are five fast tips to safeguard your finances.

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How to create a budget & stick to it

Keep track of what’s coming in and what’s going out, and watch your savings grow.

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Signs it’s time to check you're financially fit

Are your finances looking healthy, or do they need some work to get into shape?

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Budgeting & money saving tips

Tell your money where to go. Know your outgoings. Make it easy. Expect the unexpected.

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Saving success

The money to do what you want, when you want, how you want. See what success looks like.

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Getting the retirement you want

What should you be saving now, for a comfortable retirement? Your questions answered.

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Tell us your story

Sit down and tell us your story, so we can get to know you and your financial goals.

Understanding credit cards.

Credit cards explained, starting with choosing the right one for you.

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How to choose a credit card

How will you use your card? What benefits would you like? Pick the right card for you.

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How does credit card interest work?

Learn all about interest rates, interest-free periods, and other interesting facts.

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Understanding credit card statements

Here’s how to read your statement so you understand exactly what it all means.

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Using your credit card overseas

The safe way to pay around the world. Security, cash withdrawals, FX, insurance and more.

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What is a cash advance?

You can use your card for a cash advance, but it’s important to consider the costs.

Credit card tips.

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Making the most of a balance transfer

From consolidation debts to saving on interest, a balance transfer could have real benefits.

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Tips to manage your card

Top tips, including balance transfers, managing payments and Westpac One®.

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Ten tips to help prevent credit card fraud

Help guard against fraudulent activity on your card, with these smart safety tips.

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Six ways to pay off your credit card

Pay off the balance in full each month, or somewhere in between, whatever way suits you.

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Credit card security tips

How to keep your PIN safe and advice about online shopping.

Borrowing money and managing debt.

Before you borrow, it pays to understand all the details.

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Borrowing money: considering the true cost

Learn more about extra costs, how to reduce them, and key questions.

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Managing your credit report

Why credit checks are important, and how you can build a good credit report.

Financing your project.

When you're making a big purchase, like a new car, these are things to bear in mind.

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Ways to pay for a vehicle

Buying a car, either new or second hand, is a major decision. Here’s how you can pay.

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Five things to consider before buying a new car

When you’re looking at cars, ask yourself these questions to help make the right choice.

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Ways to finance your renovation

Check out all your options, which depend on the equity in your home and your reno plans.

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Moving house

Remove the stress of moving house, with our expert advice.

Tips & resources.

Help to actively manage your money: workshops, webinars, budgeting tools, calculators. 

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Managing Your Money workshops

Free, customised workshops for work, school and community groups - and we come to you.

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Video tips

Watch these quick, engaging, informative videos to learn more about managing your money.

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Save on fees

Ideas and products that help you pay less for bank fees.

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Summary of financial terms

These are the common financial terms we use, what they mean and how they work.

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The AM Show - Money Chats

Watch as we discuss topics with The AM Show team on questions Kiwis have about their money.

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