Blogs

Building Wealth with a Home Renovation Loan?

June 2018

 

Are you in the market for home renovation? Looking to modernise your kitchen, upgrade your bathroom, a new bathroom, outdoor deck, a garage or simply aiming to preserve any general wear and tear? Then read on to check out some pointers on what a home renovation loan can do for you and how you can get the best bang for your buck.

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What is Loan Protection Insurance & Do I Need it?

June 2018

 

Loan protection insurance works as a protection for your finances, and it can cover a wide range of unfortunate circumstances that could put a burden on your ability to repay the loan yourself. It is often a product we only think about when it is too late, so we thought we would provide the information here so that you can think seriously about the matter.

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Savings Accounts vs Term Deposit, what is the best fit for you?

June 2018

 

Saving money does not need to be complicated. Whether it be a savings account, or a term deposit, we work to find the best fit for you. So that you can sit back and watch your hard-earned money grow, while staying in touch with your financial goals.

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Know Your Debt

June 2018

 

Know your debt! Borrowing money comes in many different forms and we all have to do it eventually. It pays to know what your options are, so you can ensure the right deal is made when its time to borrow.

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4 Tactics to Help You Repay Your Personal Loan ‘On your Terms

June 2018

 

You’ve been approved for a personal finance loan. Great news! Now comes the challenge of repaying the loan to your finance provider. Read on to see 4 tactics you can take to repay your personal loan on your terms so that you remain in control and on top of your personal finance situation.

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5 Tricks to Allow you to Treat

May 2018

 

“I’ve been good, I deserve to treat myself.” Yes, we’ve all used it at least once sometimes with reason and others times as an excuse. We propose a few methods to help keep spending habits in check.

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How to Get a Personal Loan in New Zealand

May 2018

 

Getting a personal loan in New Zealand is quickly becoming a straightforward and easy process thanks to the use of the internet. So since general operations are shifting to the online environment, we figured we should give everyone an update on how the personal loan process in New Zealand is done.

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9 Wise Moves to Make with Your Tax Refund

May 2018

 

Tax Return season is here! Check out 9 ways to make sure your money works for you, to set you in a better financial standing for your future.

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Top Financial Apps to Check Out

May 2018

 

There are thousands of apps out there that help us with our money, so compiling a list and ranking them in order would have proved to be a rather difficult task. Instead, we have compiled a simple list of six mobile financing apps, in no particular order, that we believe could help you with your budgeting and savings needs.

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How Do You Feel About Debt? part two

May 2018

 

How do you feel about debt? We take a step back, looking at the range of perspectives one may have on debt and how it is that you can use, manage or organise debt to help shape and inform your understanding and attitude toward debt.

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How Do You Feel About Debt?

May 2018

 

How do you feel about debt? We take a step back, looking at the range of perspectives one may have on debt and how it is that you can use, manage or organise debt to help shape and inform your understanding and attitude toward debt.

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The Truth Behind Interest-Free Financing

May 2018

 

0% financing or interest-free loans sounds like a dream to many of us. Get to borrow money and not have to worry about paying any additional costs back, how good is that? Well, it’s not all as easy and wonderful as it may seem.

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31 Tips to Tame Your Supermarket Bill

May 2018

 

One of the easiest ways you can save your hard-earned money is at the supermarket. Check out our go-to Supermarket-Savers that will pay dividends at your next supermarket visit.

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Top 10 Tips When Purchasing a Car

April 2018

 

With winter fast approaching, the conditions on the road are becoming dangerous. So making sure you have the right car for the job, is essential.

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 12 Tips for Staying Warm this Winter Without Blowing the Budget

April 2018

 

In anticipation of single-digit temperatures and the cooler period ahead we provide a guide to stay warm in your home this winter, without blowing the budget.

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Time to Re-think The Way You Manage Your Money

April 2018

 

Tracking where you spend your hard earned income takes time and discipline.  Re-thinking your money management helps you refresh your finances and gets you back on track.

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Is There a Difference Between Banks and Credit Unions?

April 2018

 

 

We thought we would do some of the research for you and explain some of the differences that separate credit unions from banks.

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What Money Lessons do you wish you had started earlier in life?

March 2018

 

Upon reflection of past major decisions you have made, there is often a feeling of “I wish I had done this better” or “If only I had known to…” This certainly holds true with major financial decisions we make. What financial lessons would you preach to your younger self?

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7 Benefits of a Debt Consolidation Loan

March 2018

 

We’ve figured you probably heard from us enough times to know what we are talking about when we say, “Some things are just better together.” Yes, we say it a lot, so we thought, it’s about time we give everyone an update as to why “it’s just better.”

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Kiwi Travel Must Visit Bucket List Locations

March 2018

 

Travelling our nation is something we should aim to do a bit more often. We recommend adding these attractions and locations to your bucket list as they are genuinely phenomenal experiences that you have to witness in person.

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5 Personal Finance Questions To Ask Your Partner

March 2018

 

While money does not always bring happiness, it could be contested that how we manage and utilise our personal finance certainly does have a major role in the lifestyle we lead. Here are 5 questions you must ask your significant other regarding personal finance. You owe it to your relationship.

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8 Reasons Why An Emergency Fund Should Be On Your Financial Radar

March 2018

 

The benefits to building an emergency buffer are countless – from allowing freedom and greater leeway with our budget through to  our mental wellbeing and reduced anxiety. We look at some of the key benefits of having and maintaining an emergency fund.

 

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7 Things You Should Do Before Getting A Personal Loan

March 2018

 

We know there is the saying that you learn best when you learn by your mistake’s. But when it comes to your finances, we think it’s best not to risk it.

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Do You Have Everything in Order For When You Go?

February 2018

 

Only half of New Zealand adults have a will, and only 20% of those under forty have one. Writing a will is an important task that all kiwis should consider.

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Top tips for managing your time and money

February 2018

 

Time and money. Two of the things we all wish we had more of. Simply put, the guide that follows provides a two birds, one stone type of approach to look at how we can maximise our time and money. To effectively budget smarter, in terms of both our time and money.

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25 Rules You and Your Flat Mates Must Follow

February 2018

 

With the beginning of University looming and all the students moving back into their new flats, we thought it might be the right time to pass on some knowledge of the unspoken rules of flatting…

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Saving – how much is enough?

February 2018

 

A dollar saved is better than none at all. Working from that mindset we look at how the 50-30-20 budget rule can be used to get you on the path to savings satisfaction.

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Who, What, When, Where, & Why of Student Flatting & How you can avoid a diet of 2-minute noodles

February 2018

 

It’s that time when students roll back onto campus and take up residence in a range of abodes. Read on to discover our tips for surviving student flatting.

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How Important is it to Offer Security, While Borrowing Money

February 2018

 

When it comes to letting your friends borrow your possessions, you tend to want to receive something, in order to guarantee a safe return…

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To Pay Off Debt or To Save?

February 2018

 

Simple answer is to strive for both. We present the case for each option – clearing debt or boosting savings, and better yet, how to maintain these habits, preserving optimal ground of staying debt-free (as best as we can manage) while still making heartening contributions to your savings account.

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Riding Solo For Valentine’s Day? Well Here is 14 Ways to Spend the Day

February 2018

 

Whether you plan on binge watching Netflix in either self-pity or pride, it is entirely up to you as when it comes down to it at the end of the day. Valentine’s is completely made up…

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Christmas Saver – What Our Members Have To Say

January 2018

 

We could go on and on about the benefits of an NZCU South Christmas Saver account. Instead we asked what our members thought. See what you’re missing out on

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14 Date Ideas That Keeps Valentine’s Day Simple

January 2018

 

Valentine’s Day has become such a commercialised event, that it now costs a small fortune to try to create a memory that is similar to what we see on T.V. It, however, doesn’t have to be costly to show your significant other that your care.

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Christmas Saver – The Answer to your Christmas Finance Woes

January 2018

 

An NZCU South Christmas Saver account is designed specifically for Christmas spending. To lessen the load of the silly season, to make your next Christmas that much easier and even more special.

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Debt Snowball or Avalanche, What’s the Best Way to Tackle Your Debt?

January 2018

 

Would you rather start off small and build it up slowly or hit it big with urgency and get it over and done with? Today we will talk about the pros and cons of both these debt repayment methods so that you have a better idea as to which one would work for you.

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This year I’m going to travel to…

January 2018

 

Why not make 2018 the year you pull the trigger and finally make the decision to take the holiday you have been dreaming about. To make this happen,

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Top 56 New Zealand ‘Better Together’ Pairings

January 2018

 

We know that some things are just better together than they are on their own. So that’s why we went ahead and comprised a list of the top Kiwiana pairings that we were able to brainstorm during one of our morning teas.

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New Year, New Financial Me

January 2018

 

With a ‘new year, new me’ mentality we provide you several options to consider, to help you achieve your personal finance goals for 2018.

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Top 10 Tips to Protect Yourself Online In 2018

January 2018

 

With all these processes being done through the power of the mighty web, it makes you ask yourself, how safe are we from cyber-crime and hackers?

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Let’s stick to our New Year Resolutions for more than 2 weeks in 2018…

December 2017

 

As the clock strikes midnight and we progress into 2018, this acts as a point of self-reflection and we instantly seek ways to improve ourselves and our habits moving forward. We look at ways to stick to your ambitious plans to avoid abandonment after a couple weeks, like last year (and every other year)

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10 Tips to Pack It All This New Years

December 2017

 

We always want to pack our new toys and joys as we wish to show them off to all our friends and family. So one’s ability to fully utilise the limited space they have in their suitcase, comes into play here, as our skill level dramatically affects how much we can take away with us.

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50 Classic New Year’s Resolutions

December 2017

 

Every man and his dog has their take on New Year’s Resolutions and they’re about as customary as a Lynx Africa Shower Set under the Christmas Tree so without further ado, let’s look at our 50 New Year’s resolutions that could potentially, no, without a doubt make your 2018 even bigger and better than you could possibly imagine.

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Top 10 Christmas Gift Ideas Under $20 From Him to Her

December 2017


We are back again with another top 10 Christmas presents lists, this time, catering to those special females in your lives. As a small disclaimer, we would like to state that this list was created and edited from one of our male staff members.

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Top 10 Christmas Gift Ideas Under $20 For Him

December 2017


Christmas for some is the time for family and friends, and joy and laughter. But for others, Christmas is the time for presents! We all want to be generous with our gift giving, but we also don’t want to give an arm and a leg to do so.

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New Year; New Me, New Home

December 2017


New Year is a time to roll over a new leaf, for optimistic resolutions and a time for change to occur. We could talk about joining a gym or becoming paleo for 2018 but instead we will look into a change of scenery, change in address and the steps involved in minimising the stress of moving home over the holiday period.

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Comprehensive Credit Reporting; the Nuts & Bolts

November 2017


A credit score is fundamentally your financial CV that tells whether you are worthy of taking on credit. A Comprehensive Credit Report is a balanced review of your credit history looking at both the negative and the positive. This is good news if you’re wanting to apply for credit, which you will almost inevitably do at some point.

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Need to Improve Your Credit Score? A Debt Consolidation Loan Might Be Your Saviour

November 2017


A debt consolidation loan, which is a loan that consolidates your debt into one easy manageable loan, could be the tool that could help you improve your credit score.

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Credit Score; your form guide. Would you back yourself?

November 2017


Your Credit Score matters. Whether you are facing the prospect of applying for a mortgage for your first home, indeed a personal loan, credit card or even a new job, your credit score tells the story of you. A credit score provides an account of your history, dependability and control. Effectively, whether you are worthy in the eyes of financial institutions, prospective landlords, and employers alike when deciding to offer you credit, a tenancy, or even a job.

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Avoid the New Year Hangover With a Debt Consolidation Loan

November 2017


Christmas presents, New Year accommodation, travel expenses and slush funds. It’s these expenses that we are preparing for as the joyous holiday season fast approaches. With all these cost burdens falling at once, we tend to reach out to our credit cards and debit cards to help us through. But relying on this option alone, doesn’t always pay off.

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7 Gram-Worthy North Island Destinations for the Summer Holiday You Deserve

November 2017


It’s now time to identify our 7 go-to, Gram-Worthy North Island destinations for the holiday season. So fill the chilly-bin, load up the car and hit the road with your favourite playlist raging throughout. Whether you are with your mates or family, surfing or sun-bathing, call it a bach or a crib, it’s time to experience the best of summer, creating lasting memories along the way.

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DIY This Summer? Here’s 7 Money Saving Tips You Should Know

November 2017


With summer around the corner and Christmas fast approaching, we are getting into that time of year where we decide our kitchen isn’t quite doing it for us now, or the colour of our house doesn’t look right anymore. That’s right. We are transitioning into the traditional Kiwi DIY season.

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7 Gram-Worthy South Island Destinations for the Summer Holiday You Deserve

November 2017


The mercury is rising, barbeques lighting up, backyard cricket battles, sun, sand, and sunscreen. And of course, god-awful Christmas carols are playing in every store you set foot in! Summer is well and truly here and now is the time to plan the summer break you deserve. Here are 7 holiday destinations that you better capture on Instagram this summer. #nofilter necessary

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Before You Think About Buying A Car, Read This.

November 2017


New vs. used, the age old decision many of us have faced when trying to buy a car. Used cars are cheaper, but new cars are shinier, this internal conflict of weighing up the pros and cons has puzzled many individuals before us.

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What’s Better For Me, Credit Card or Personal Loan?

November 2017


How many times have we fallen into the trap of simply saying, “Chuck it on the card!” With various products being shown to us every time we turn the corner or even log in online, we are often finding ourselves reaching for money that we don’t currently have.

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5 Simple Tips to Manage Your Money & Take Control

November 2017


Us Kiwis are a simple breed. A spade-is-a-spade type approach is all that is necessary to un-complicate the complicated. The steps that follow, when followed diligently will allow you to confidently manage your money, to better inform your decisions. To take control of your finances

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How Can Debt Consolidation Save My Life?

October 2017


A debt consolidation loan is a single loan that helps roll all your existing debt into one secure manageable payment.

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5 Ways to Avoid Overspending this Festive Season

October 2017

With the imminent weight of the silly season bearing down on us all we look at 5 ways you can avoid overindulging, sorry, over-spending this festive season.

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Look After Your Assets – Care for Your Car in the Cold

August 2017

Tax Refund
Your car needs special treatment in winter. Follow these tips, keep your assets in good condition & care for your car when temperatures drop.

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Money Week 2017

August 2017

Tax Refund
Money Week is a series of financial capability focused events, and is all about getting Kiwis talking about money. It runs from 14-20 August 2017, and this year focuses on debt..

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Save money on food

June 2017

Money saving tips on food
Do you feel like your weekly grocery bill just keeps climbing? Are you looking for ways to save money on food? These ideas will help you save on groceries.

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Save money on cleaning, don’t compromise on the clean!

June 2017

save money cleaning
Ingenious ways to save money on your cleaning supplies and to lower your household budget, while maintaining levels of hygiene to be proud of.

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How to save at the supermarket – the best grocery savings

May 2017

Tax Refund
The second article in our Money Saving Tips series, and here we focus on how you can save your hard earned money when you go shopping.  There are many opportunities to save at the supermarket, and we look at the ones most likely to work for you.

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