Super Advice NZ When Markets Move, Most Kiwis Make This Mistake If you have checked your KiwiSaver balance recently and felt a flicker of concern, you are not alone. Markets across the globe have been volatile, and KiwiSaver balances have reflected that. RNZ reported this week that financial commentators are asking a serious question: can KiwiSaver members handle a long...

Super Advice NZ Before Things Change, Is Your Financial Setup Still Right? There is an election coming later this year. Financial settings can change. KiwiSaver rules can change. Insurance levies, Government incentives, tax settings and the wider economy can all shift over time. Most of us cannot control what happens in Wellington. But we can make sure our own financial...

Super Advice NZ — June 2026 Your KiwiSaver Just Changed.Is Yours Set Up Right? Rates went up in April. More changes are locked in. Most Kiwis have no idea if their KiwiSaver is actually working for them. Since 1 April 2026, the minimum KiwiSaver contribution rate went from 3% to 3.5% — for both you and your employer. And it...

Super Advice NZ Buy Now, Pay Later Is Keeping You Broke Afterpay, Zip and Laybuy feel like a lifeline when money is tight. Here is what they are actually doing to your finances. They show up everywhere now. At the checkout, in your inbox, in your favourite apps. “Split into 4 payments.” “No interest ever.” “Get it now, sort it...

Super Advice Stop Winging Your KiwiSaver Your KiwiSaver could be working a lot harder for you. Here's what to check. Most Kiwis enrolled in KiwiSaver did the bare minimum to sign up — and then never looked at it again. That's completely understandable. Life's busy. But here's the uncomfortable truth: the fund you're in right now could be costing you...

Thank you so much for your support during 2025!   Our last day will beFriday 19th December and we will reopen for 2026 onMonday 5th January.   If you need to reach usplease text 021 277 8978.   From our team to yours, have a very merry Christmas,stay safe over the holidays & have fun this summer! Copyright (C) 2025...

He’s been driving trucks his whole working life. Early mornings, long days, rain or shine — just doing what had to be done to support his partner and two kids. Like most working families, they weren’t living large, but they got by. Rent was always paid, the fridge was never empty, and the kids didn’t go without. But under the...

Most Kiwis have a KiwiSaver account ticking away in the background. Money goes in, a provider looks after it, and we kind of just hope it’ll be worth something decent by the time we retire. But here’s the truth most people don’t hear: If you don’t get advice, you’re probably leaving serious money on the table. KiwiSaver is no small...

It’s easy to feel behind these days. Scroll through social media and it looks like everyone your age is driving flash cars, rocking brand-new clothes, going on overseas trips, and living in homes with kitchens straight off The Block NZ. But here’s the thing no one’s telling you: Most of them can’t afford it either. They’ve just found a way...

A lot of everyday Kiwis think investing is only for rich people, finance nerds, or people who somehow “just get it.” Wrong. You don’t need to be a genius to start investing. You don’t need to read the business section every day. And you definitely don’t need to figure it all out on your own. What you do need is someone you...

Let’s be honest — getting financially fit isn’t just about money. It’s about change. Real change. And change is uncomfortable. You might be fired up after doing your budget or finally facing your debt. But what happens next is where the real challenge begins. Your lifestyle shifts. The way you spend your money changes. And so does the way you...

Let’s get something straight right now. You’re not lazy. You’re not stupid. And you’re not hopeless with money. You just weren’t taught. No one showed you how to budget without feeling broke. No one explained compound interest at school. No one ever sat you down and said, “Hey, if you invest this now, it’ll change your life later.” And because...

That word discipline. Let’s kick things off with one of my favorite quotes from Jordan Peterson: “Discipline is the voluntary restriction of your freedom in pursuit of a higher goal.” Now think about that for a second — voluntary restriction. Discipline in a World of Indulgence In a world that’s always telling you to indulge, upgrade, spend now and worry...

Everyone wants to be an investor. But few want to do the boring bits. It’s a common dream: Owning a bunch of Apple stock, watching it grow year after year, sipping coffee while your investments do all the hard work. Who wouldn’t want to be one of those people with a portfolio full of shares, a couple of properties, and...

At Super-Advice we are about all things financial, but more importantly, helping people understand so they can get ahead financially. Debt can feel like a mountain—impossible to climb. The stress. Interest stacking up. The feeling that you’re getting nowhere. It’s exhausting. But what if I told you there’s a simple, proven way to take control and wipe out your debt...

At Super-Advice we are about all things financial, but more importantly, helping people understand so they can get ahead financially. Most Kiwis work hard, yet struggle to build wealth. Why is that? It’s not because they don’t earn enough—it’s because of hidden traps that keep them stuck. Breaking free requires understanding what’s holding you back. Here are five key reasons...

At Super-Advice we are about all things financial, but more importantly, helping people understand so they can get ahead financially....

At Super-Advice we are about all things financial, but more importantly, helping people understand so they can get ahead financially. The Strength in Saying No Women often face unique financial pressures, whether it’s social spending, beauty standards, or the desire to be generous with family and friends. However, learning to say no to short-term spending in favor of long-term financial...

At Super-Advice we are about all things financial, but more importantly, helping people understand so they can get ahead financially. The Importance of Professional Investment Advice The reason you would want advice or someone in your corner who has a professional understanding of how it works is so that you don’t make the common mistakes that a lot of startup...

At Super-Advice we are about all things financial, but more importantly, helping people understand so they can get ahead financially. Take Control of Your Finances Well, it’s important to take control of your finances if you want to have no money concerns. And the number one place to start, and it’s something that we always teach, is, of course, budgeting....

At Super-Advice we are about all things financial, but more importantly, helping people understand so they can get ahead financially. When it comes to building wealth, we usually think of budgeting apps, investment portfolios, or side hustles. But there’s one habit that could be secretly draining your bank account and messing with your millionaire goals: the bottle. Let’s dive into...

At Super-Advice we are about all things financial, but more importantly, helping people understand so they can get ahead financially. Budgeting gets a bad rap. It’s often seen as this big, scary task that only financial wizards can handle. But in reality, budgeting is one of the easiest ways to take control of your money and still feel more empowered....

At Super-Advice we are about all things financial, but more importantly, helping people understand so they can get ahead financially. Ah, Christmas in New Zealand: the smell of barbecues, pavlova piled high with kiwi fruit, and that awkward moment when your spending spirals out of control. One minute you’re stocking up on pineapple lumps and mince pies, and the next,...

At Super-Advice we are about all things financial, but more importantly, helping people understand so they can get ahead financially. Let’s be real—living in New Zealand can feel like a constant battle against your bank account. Everything costs just a little bit too much, and before you know it, your hard-earned dollars disappear faster than your Wi-Fi when your neighbor’s...

At Super-Advice we are about all things financial, but more importantly, helping people understand so they can get ahead financially. You could be earning $500,000 a year but still feel broke. How? Blowing it all on fast cars, luxury handbags, and champagne baths. Seriously, who does that? Let’s dive into what really determines if someone is rich, middle class, or...

At Super-Advice we are about all things financial, but more importantly, helping people understand so they can get ahead financially. Without clear, actionable financial goals, it’s easy to drift through life without accumulating significant wealth. Vague goals like “I want to get rich” aren’t enough. Let’s dive into the five main behaviors that might be holding you back from building...

At Super-Advice we are about all things financial, but more importantly, helping people understand so they can get ahead financially. In today’s digital world, financial scams are becoming increasingly sophisticated and harder to recognize. Scammers often target people who are looking to make investments, save money, or even just manage their day-to-day finances. New Zealanders, like people everywhere, are at...

At Super-Advice we are about all things financial, but more importantly, helping people understand so they can get ahead financially. If you’re a full-time employee in New Zealand, understanding how the tax system works is essential for managing your finances effectively. While taxes might seem complicated, New Zealand’s tax system is relatively straightforward compared to other countries. Let’s break down...

At Super-Advice we are about all things financial, but more importantly, helping people understand so they can get ahead financially. Since coming to power, the new coalition government in New Zealand, led by National, ACT and New Zealand First, have implemented several initiatives that have garnered positive responses from many New Zealanders. Here are five key accomplishments. Tax cuts and...

At Super-Advice we are about all things financial, but more importantly, helping people understand so they can get ahead financially. Wealthy individuals often adopt specific attitudes and practices regarding their finances that help them maintain and grow their wealth. Here are five ways they view and operate their money. Long term investment focus Wealthy people prioritise long term investment strategies...

At Super-Advice we are about all things financial, but more importantly, helping people understand so they can get ahead financially. Planning for retirement can be challenging, especially for low income workers. Here are some simple steps to avoid common mistakes and ensure a secure retirement. Know your retirement costs Make a list of expenses. Write down everything you spend money...

At Super-Advice we are about all things financial, but more importantly, helping people understand so they can get ahead financially. Here are five straightforward steps a New Zealand KiwiSaver member can take to make the most out of their KiwiSaver account, even without prior knowledge of KiwiSaver or investing. Choose the right fund type KiwiSaver funds vary from conservative to...

At Super-Advice we are about all things financial, but more importantly, helping people understand so they can get ahead financially. Saying no diplomatically is a valuable skill, especially when managing finances and personal boundaries. Here are five tips to getting it right Express gratitude Begin by showing appreciation for the opportunity or the invitation. This acknowledges the person’s effort in...

At Super-Advice we are about all things financial, but more importantly, helping people understand so they can get ahead financially. Setting up a shared banking system as a couple can help both partners manage their finances efficiently and fairly. Here are five tips to consider. Open a joint account for shared expenses Start by opening a joint bank account that...

At Super-Advice we are about all things financial, but more importantly, helping people understand so they can get ahead financially. Moving in with a partner is a big step and it’s wise to consider the financial implications. Here are the top five financial considerations to keep in mind. Discuss financial goals and values Before moving in, have an open conversation...

At Super-Advice we are about all things financial, but more importantly, helping people understand so they can get ahead financially. Leaving a long-term relationship involves significant emotional and practical changes, including financial considerations that have a lasting effect on your future. Here are the top five financial considerations to keep in mind. Joint assets and liabilities or debts Evaluate all...

At Super-Advice we are about all things financial, but more importantly, helping people understand so they can get ahead financially. Dealing with debt can feel overwhelming, but with a strategic approach you can work your way out of it. Create a comprehensive budget and list of your debts Begin by making a detailed list of all of your debts, including...

At Super-Advice we are about all things financial, but more importantly, helping people understand so they can get ahead financially. Dying without a will in New Zealand, as in many other countries, can lead to several undesirable outcomes. This situation is referred to as dying intestate. Here are five potential complications that can arise. Distribution of your estate may not...

At Super-Advice we are about all things financial, but more importantly, helping people understand so they can get ahead financially. Living paycheck to paycheck is a common financial situation where individuals find themselves with little to no savings after covering their monthly expenses. This scenario can be attributed to a variety of factors. low income One of the primary reasons...

At Super-Advice we are about all things financial, but more importantly, helping people understand so they can get ahead financially. Developing discipline is a fundamental aspect of personal and professional growth. It involves cultivating habits and mindsets that enable you to consistently pursue your goals and adhere to your values. Even in the face of challenges and temptations. Here are...

At Super-Advice we are about all things financial, but more importantly, helping people understand so they can get ahead financially. In New Zealand there are several government support options available for individuals and families who are struggling financially. Here is a general overview of some of the key support systems. Work and income benefits or WINZ This is a part...

At Super-Advice we are about all things financial, but more importantly, helping people understand so they can get ahead financially. Today we are talking about what happens to you as a couple when you save together for an emergency fund and the positive impacts it will have on your relationship. When a couple successfully saves to build a six month...

At Super-Advice we are about all things financial, but more importantly, helping people understand so they can get ahead financially. Today we are talking about  twenty-six things poor people blow their cash on and how to manage that. This is part two. Unnecessary tech upgrades Frequent replacements and upgrades of gadgets. Gadgets are fun. Like we say, if you can’t...

At Super-Advice we are about all things financial, but more importantly, helping people understand so they can get ahead financially. Today we are talking about  twenty-six things poor people blow their cash on and how to manage that. This is part one. New vehicles Let’s be honest, we all like to be seen in a nice car, but unless you...

At Super-Advice we are about all things financial, but more importantly, helping people understand so they can get ahead financially.  New Zealand had an election. Here are the top changes that the new national led coalition government in New Zealand will bring for ordinary New Zealanders, including a mix of economic, social, and policy shifts. Here are seven key changes....

At Super-Advice we are about all things financial, but more importantly, helping people understand so they can get ahead financially. Managing finances as a couple can be a complex yet rewarding endeavor. It requires good communication, transparency and strategic planning to ensure both partners are on the same page. Here are some effective strategies from Aileen and Anna that couples...

At Super-Advice we are about all things financial, but more importantly, helping people understand so they can get ahead financially. Debt is a common financial burden that many people will face at some point in their lives. Whether it’s a credit card debt, a buy now pay later, a student loan, a vehicle loan, a personal loan or a mortgage,...

At Super-Advice we are about all things financial, but more importantly, helping people understand so they can get ahead financially. If you are eager to supercharge your money game with excitement and purpose, you’re in for a treat. We wanna take you from being a spender to a saver. Fuel your dreams Imagine giving wings to your money dreams. That’s...

At Super-Advice we are about all things financial, but more importantly, helping people understand so they can get ahead financially. Ever feel like you’re always trying to match up to others, or stuck in a never-ending race? If that’s you, stick around. I want to help you break free from this cycle and find your financial peace. The Rat Race...

At Super-Advice we are about all things financial, but more importantly, helping people understand so they can get ahead financially. Cheap life insurance could impact your family’s financial security. While it might be tempting to go for the lowest premium, however quality and the right cover for your situation matters more when it comes to safeguarding your loved one’s future....