http://www.mymoney.net.nz/blog/ The latest Blog feeds from www.mymoney.net.nz en-us Wed, 20 May 2026 15:45:41 +1200 Rocketspark http://www.mymoney.net.nz/blog/post/164608/australian-property-investors-watch-out/ Earlier this week, the Australian Federal Government announced sweeping changes to Negative Gearing and Capital Gains Tax — two tax conversations New Zealand investors know all too well.Treasurer Jim Chalmers says the reforms are aimed at:• helping first home buyers compete with investors• improving housing affordability for younger Australians• directing more investment towards new housing supplyPolitics aside, the reality is these changes will directly impact Australian property invest... Fri, 15 May 2026 10:15:07 +1200 http://www.mymoney.net.nz/blog/#post164608 http://www.mymoney.net.nz/blog/post/164511/first-home-buyer-how-to-navigate-buying-at-auction/ Buying your first home is a huge milestone — and buying at auction can feel like stepping into a completely different world.For many first-home buyers in New Zealand, auctions are exciting, fast-moving, and sometimes a little intimidating. The pace is quick, emotions can run high, and if you’re the winning bidder, you need to be ready to move immediately. That’s why it’s so important to understand exactly what you’re getting into before auction day arrives.If you’re thinking about bu... Wed, 13 May 2026 10:48:57 +1200 http://www.mymoney.net.nz/blog/#post164511 http://www.mymoney.net.nz/blog/post/164349/kiwisaver-government-contributions-dont-miss-out/ Did you know you can get up to $260.72 from the Government – every year? One of the best features of KiwiSaver is that you’re not the only one contributing to your retirement savings. Your employer must contribute at least 3.5% (unless you opted to stay at 3%), and the Government also chips in!Summary  Each year, if you’re aged 16–64 and live in New Zealand, the Government will add up to $260.72 to your KiwiSaver account. For every dollar you contribute... Thu, 07 May 2026 15:31:26 +1200 http://www.mymoney.net.nz/blog/#post164349 http://www.mymoney.net.nz/blog/post/164166/the-advantage-of-using-an-adviser-to-apply-for-funding-when-you-run-your-own-business/ If you run your own business, getting a mortgage can feel harder than it should.Not because you’re risky.But because your income doesn’t fit neatly into the way banks like to assess things.A salaried employee shows payslips.A business owner tells a story.And if that story isn’t presented clearly, you can end up with the wrong outcome. That’s where having an adviser in your corner can make a real difference.Why self-employed mortgages are differentWhen a lender looks at a self-employed ap... Mon, 04 May 2026 17:52:58 +1200 http://www.mymoney.net.nz/blog/#post164166 http://www.mymoney.net.nz/blog/post/163755/financial-literacy-for-children/ Do you know what your children are bing taught in school?This is brilliant and I only just found out from my 10 year old’s teacher because he logged in and didn’t complete the module?Apparently there are modules they are supposed to complete with parents – giving you a heads up so you don’t miss this experience to connect with your child and build some fundamental life skills.MoneyTime is the ideal homeschool financial literacy curriculum for 10 to 15 year old kids in New Zealand and Aus... Mon, 27 Apr 2026 12:10:13 +1200 http://www.mymoney.net.nz/blog/#post163755 http://www.mymoney.net.nz/blog/post/162935/navigating-rising-costs/ Navigating Rising Costs and Uncertainty in New Zealand: Practical Steps to Stay in ControlIf it feels like everything is getting more expensive lately—you’re not imagining it.Across New Zealand, many households are feeling the squeeze. Fuel prices continue to fluctuate, the cost of groceries and essentials remains high, and uncertainty around employment is making it harder to plan ahead with confidence.While these challenges are real, there are still practical steps you can take to regain a ... Tue, 31 Mar 2026 13:13:35 +1300 http://www.mymoney.net.nz/blog/#post162935 http://www.mymoney.net.nz/blog/post/162082/kiwisaver-changes-in-more-detail/ KiwiSaver Is Changing Next Month – Here’s What You Need to KnowSome changes to KiwiSaver are kicking in from April 2026, and while they’re not dramatic, they will have an impact on your pay and your future savings.If you notice your take-home pay is a little lighter next month, don’t panic — it’s probably not tax. It’s more likely your KiwiSaver contribution increasing.What’s actually changing?From 1 April 2026, the minimum KiwiSaver contribution rate is going up from 3% to 3.5% ... Wed, 18 Mar 2026 11:27:07 +1300 http://www.mymoney.net.nz/blog/#post162082 http://www.mymoney.net.nz/blog/post/161159/kiwisaver-changes-for-2026/ Key KiwiSaver changes for 2026 include a reduced government contribution (max $260.72 from July 1, 2025) and higher default employee/employer rates, moving to 3.5% from April 1, 2026, and 4% in 2028. High earners (> $180k) lose government contributions, while 16-17 year olds now qualify for contributions and employer matching. Business.govt.nz Key Changes Summary (2025-2026)Government Contribution Reduced: From 1 July 2025, the government contributes 25c for every $1 you contri... Sun, 01 Mar 2026 18:25:39 +1300 http://www.mymoney.net.nz/blog/#post161159 http://www.mymoney.net.nz/blog/post/153541/how-to-select-an-investment-property/ Here’s a practical checklist you can use when evaluating an investment property:✅ 1. Location & DemandIs the property close to public transport, schools, shops, and employment hubs?What is the vacancy rate in the suburb?Are there future developments (infrastructure, zoning changes) that may boost or hurt values?✅ 2. Cash Flow & YieldWhat is the expected weekly rent?After mortgage, rates, insurance, and property management fees, is it positive, neutral, or negative cash flow?What’... Sat, 04 Oct 2025 17:01:13 +1300 http://www.mymoney.net.nz/blog/#post153541 http://www.mymoney.net.nz/blog/post/153532/how-much-deposit-do-i-need/ ... Sat, 04 Oct 2025 15:01:34 +1300 http://www.mymoney.net.nz/blog/#post153532