Q&As: Ignore misleading KiwiSaver salesman, but maximize your tax credit; Change to contributions holidays just a suggestion; 1970s house much more modest than today’s houses; Well done! — but take care about judging others’ spending.
Goal setting and the B word (budgeting). Goals should be SMART — specific, measurable, achievable, (w)ritten, time-bound. The goal habit: If you save before a trip, buying a car etc you can have many more trips and cars. Tips on goals. Budgeting: Firstly estimate spending in different categories, then keep track for a while; Tips on budgeting; Robert Frost poem; Emergency money; Help with budgeting: familybudgeting.org.nz.