Break Free From the Lazy Tax Trap and Get More out of Your Finances

Feb 24, 2024 5:30:00 AM

Do you ever feel like you're paying more than you should for everyday expenses? You're not alone. Many Kiwis are unknowingly shelling out extra cash in the form of “lazy tax”, a sneaky surcharge that’s the result of sticking with the same service provider without exploring better deals. But there is help! With proactive effort, it’s possible to break free from the lazy tax trap and keep more money in your pocket. Here are 3 tips that may help.


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Topics: Financial Health, Financial Advice, Mortgage Advice

Downsizing in Retirement: The Physical, Mental & Financial Impact

Feb 22, 2024 11:50:00 AM

Homeowners reaching retirement age often think about downsizing the family home to help fund retirement. For those facing this decision, it’s important to consider the emotional, physical and financial impact that moving out can have. For older Kiwis who may be feeling the pinch, there are alternative finance options available, such as a reverse mortgage, that allow you to release equity from your home, without the need to make regular repayments. Find out if a reverse mortgage is right for you.


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Topics: Retirement, Financial Health, Health and Wellbeing, Buying and selling

5 Reasons to Choose an Astute Insurance Adviser for Your General Insurance Needs

Jan 19, 2024 4:50:32 PM

Life is full of uncertainties and whilst we can't predict the future, we can certainly take steps to prepare for it. General Insurance acts as a financial safety net, safeguarding your home, personal belongings, car and business against unexpected events. From minor inconveniences to major setbacks, General Insurance ensures peace of mind and stability in the face of life’s uncertainties. Here are five compelling reasons why working with an Astute Insurance Adviser for your General Insurance needs can make all the difference.


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Topics: Insurance Advisers, Insurance, Financial Health

Set Yourself Up For a Financially Successful Year

Jan 18, 2024 4:45:44 PM

The start of a new year is the perfect time to assess your financial health and set realistic goals for a financially successful year ahead. Whether you’re a first home buyer, a seasoned homeowner, or just looking to make the most of your financial situation, a proactive and informed approach is the key to achieving financial success. Read on as we share three essential steps to help you reach your financial goals in 2024.


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Topics: Kiwisaver, Financial Health, Refinancing, Budgeting

Optimising Health Insurance Coverage: Understanding Key Terminology

Jan 17, 2024 5:54:21 PM

In the realm of health insurance, the adage "Not all health insurance policies are created equal" holds particular significance, especially in light of evolving, less invasive medical treatments. As innovative healthcare options become more accessible, it is crucial to comprehend the nuanced categories that health insurance providers employ, such as Diagnostic, Consultative, Surgical and Non-Surgical procedures, guaranteed wording, as well as unfunded drug cover.


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Topics: Insurance Advisers, Health Insurance, Financial Health

How to Save More and Spend Less This Holiday Season

Dec 8, 2023 10:10:24 AM

With household budgets already feeling stretched by the rising cost of everyday necessities like fuel and food, splashing out on Christmas presents or a well-deserved holiday can feel overwhelming for many Kiwi families. Fortunately, there’s still time to plan how your money is spent and to manage your finances wisely. Here are 5 practical tips to help you stay on budget this Christmas, without getting wrapped up in holiday over-spending.


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Topics: Financial Health, saving tips, Christmas Debt

5 Steps to Creating an Effective Budget

Dec 5, 2023 10:50:41 AM

Managing your finances is an essential part of achieving your long-term financial goals. One powerful tool that can help you keep track of your finances is an effective budget, ensuring you allocate your income to the expenses that need to be paid and that you’re not left short at the end of each month. Take control of your finances today and follow the path to financial success with these 5 steps to creating an effective budget.


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Topics: Budget, Financial Health, saving tips

5 Essential Spring-Cleaning Tips for New Zealand Homeowners

Sep 12, 2023 11:26:49 AM

As the cold winter days finally give way to warmer, sunnier Spring days, many New Zealand homeowners are eager to throw off the winter blues and give their homes a fresh spring start. Spring is the perfect time to revitalise living spaces and refresh gardens and outdoor areas. Here are 5 essential spring-cleaning tasks that will not only prepare your home for the warmer months ahead, but also help maintain your property’s value over time.


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Topics: Financial Health, Health and Wellbeing, Spring

Growing Your Retirement Savings

Jul 25, 2023 1:19:05 PM

40% of people aged 65 and over have virtually NO other income besides NZ Super and another 20% only have that, and a little more* This is from the 2022 Review of Retirement Income Policy. We are also a fast-aging population, with the number of people aged 65 or older living in New Zealand likely to hit 1 million by 2028. Currently there are about 93,000 people aged 85 or older, and in just two years there will be more than 100,000.**


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Topics: Kiwisaver, Retirement, Savings, Financial Health

Building a Strong Financial Foundation Together

Jul 18, 2023 6:30:00 AM

Money issues are a common source of tension and stress amongst couples. Shared expenses, different income levels, diverse spending habits, and conflicting ideas about bill payments and savings can present a number of challenges. With open communication and careful planning, it is possible to build a strong financial foundation to support both your financial goals. Read on to find our tips for managing money as a couple.


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Topics: Financial Health, First Home Buyer, saving tips, Budgeting