Money
IF YOU WANT TO SAVE
in a substantial way, say the experts, make small daily changes. Think long term, and spend time planning your financial future. Be clear on your goals, expenses and disposable income. In such a tight labour market, it’s worth asking for a pay increase at work, or exploring your options elsewhere. But if you’re on a fixed income, or your boss is deaf to your pleas, then the only way to improve your financial situation is to trim costs. Tracking your spending with apps such as PocketSmith and Wally can help. Many banks also provide basic online tools to track your spending. Automate bill payments using online banking, to better track ingoings and outgoings, and check out websites such as Sorted for oodles more advice.
DO YOUR RESEARCH ON POWER, insurance, internet and phone plans, using websites such as Powerswitch, Glimp and LifeDirect. If you haven’t yet retired, then putting at least $20 a week into KiwiSaver is almost always a good idea – the government will part-match your contribution up to $521 a year, and who doesn’t want free money? Make sure you know who your provider is and check the fund you’re in is right for you, using online tools such as Sorted’s Smart Investor.
Bu hikaye New Zealand Listener dergisinin September 3 - 9, 2022 sayısından alınmıştır.
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Bu hikaye New Zealand Listener dergisinin September 3 - 9, 2022 sayısından alınmıştır.
Start your 7-day Magzter GOLD free trial to access thousands of curated premium stories, and 8,500+ magazines and newspapers.
Already a subscriber? Giriş Yap
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