First things first: let’s figure out how you do money.

What’s your Money Mindset?

Everyone’s got their own money vibe. Some plan, some wing it, most sit somewhere in between – and that’s all good. We’re here to help you figure out the right tips for your Money Mindset. Pick the one that sounds like you and get personalised tips.

Money moves that pause the tap.

1

Pre–plan your spending, not your regrets.

Don’t ditch the fun, just decide your limits before you tap. Split your income into buckets. Some for bills, some for fun, and some for future-you.

Learn budgeting by buckets

2

Hide your savings from yourself.

If you’re always pulling money from your savings to cover spending, it’s tough to actually save. A notice saver¹ account helps you grow your money by earning returns and making it harder to dip into — you’ll need to give 32 days notice to take cash out. It’s like a built-in pause button for your spending habits.

Learn about Notice Saver account

3

Stay wary of buy now, pay later traps.

Splitting payments feels easy in the moment – but they still come back around. And if you’ve got more than one on the go? Things can get messy, fast.

Shop smarter with buy now, pay later tips

4

KiwiSaver is low-key your first investment.

You might already be growing your future wealth without realising it. KiwiSaver² is your starter portfolio – and small changes to your fund type and contribution rate can seriously stack up later thanks to compounding investment growth.

Check your future balance with our KiwiSaver Calculator

Money moves that feel right.

1

Save the same amount you almost spent.

Walked away from something you nearly bought? Good call. Now, flick that same amount into a savings account like a Bonus Saver³. Grow your balance by just $20 more than last month and you’ll earn bonus interest on top.

Learn more about Bonus Saver

2

Only borrow what you can repay. Make your repayments on time.

Getting a car, a new laptop, or fixing the fridge? Sometimes you need to borrow, no shame in that. But set up an automatic payment so you’re never late.

Find out how much you should be paying

3

Get curious without pressure.

You don’t need a finance degree. Just five minutes and a solid explainer. The best time to start learning about investing is before you think you're ready.

Learn the basics of investing

4

Stop paying for unused subs.

Pick one Sunday a month to check your subscriptions and categorise them in CashNav⁴. Keep the ones you actually use and pause or cancel the rest. Even cutting one will add up, big time.

Review your subscriptions with CashNav

Money moves, your style.

1

Spot your “stealth spends”.

You’ve got the big stuff covered, but little leaks can sink a solid plan. For one week, track every unplanned spend. With CashNav⁴, you can easily categorise your spending and stay on top of the small stuff.

Track your spend with CashNav

2

Make the most of your money.

If you’ve got money sitting in your everyday account, it’s missing a chance to earn interest. Try moving it into a savings account, then transfer what you need for spending. That way, your money works harder - even when you’re not.

Check out our Savings accounts

3

Build good credit. Build a good future.

A credit card⁵ can be more than just a way to pay, it can help you build a strong credit history for big goals, like your first home. The trick? Using it smart and paying it off on time.

Get credit smart

4

Level up with the right fund.

You’re stacking your KiwiSaver savings - but is it stacking as much as it could? Choosing the right fund can be a total game-changer - it can make a big difference to how much you’ll have later for your first home or retirement.

Compare funds

Things you should know.

The information above does not constitute financial advice. It also does not take your financial situation or goals into account.

¹Notice Saver is offered under the Westpac Notice Saver PIE Fund (the “Fund”). Investments made in the Fund do not represent bank deposits or other liabilities of Westpac Banking Corporation ABN 33 007 457 141, Westpac New Zealand Limited (“Westpac NZ”) or other members of the Westpac Group of companies. They are subject to investment and other risks, including possible delays in payment of withdrawal amounts in some circumstances, and loss of investment value, including principal invested. None of BT Funds Management (NZ) Limited (as manager), any member of the Westpac Group of companies, Trustees Executors Limited (as trustee), or any director or nominee of any of those entities guarantees the Fund’s performance, returns or repayment of capital. Westpac NZ's General Terms and Conditions (including online banking terms) apply to the account and any investments in the fund. You can get more information and free copies of the Disclosure Statement for Westpac NZ, Westpac NZ's General Terms and Conditions and the term sheet for the Fund from any Westpac branch or online here.

²Where the Westpac KiwiSaver Scheme calculator requires users to enter data, the information is used only to produce and display projection results for the user. The user’s personal information is not otherwise collected, stored, used or shared.
BT Funds Management (NZ) Limited is the scheme provider and Westpac New Zealand Limited is a distributor, of the Westpac KiwiSaver Scheme (Scheme). Investments made in the Scheme do not represent bank deposits or other liabilities of Westpac Banking Corporation ABN 33 007 457 141, Westpac New Zealand Limited or other members of the Westpac group of companies. They are subject to investment and other risks, including possible delays in payment of withdrawal amounts in some circumstances, and loss of investment value, including principal invested. None of BT Funds Management (NZ) Limited (as manager), any member of the Westpac group of companies, The New Zealand Guardian Trust Company Limited (as supervisor), or any director or nominee of any of those entities, or any other person guarantees the Scheme’s performance, returns or repayment of capital.
The information above is subject to changes to government policy and law, and changes to the Scheme from time to time.

³Monthly bonus interest is available for Westpac Bonus Saver as long as on the last day of the month the balance is $20 greater than on the last day of the month prior. The $20 excludes interest earned on the account and/or Westpac fees charged to the account.

⁴CashNav Terms and Conditions apply.

⁵Lending criteria, Terms and Conditions apply. Conditions of Use for the applicable card apply.