Steady Blog — NZ Money Tips https://steady.nz/blog Practical personal finance guides, budgeting tips, and money insights for New Zealanders. en-nz Sat, 02 May 2026 15:45:55 GMT https://steady.nz/icons/steady-icon.svg Steady https://steady.nz <![CDATA[Using Your KiwiSaver for a First Home in 2026: The Full Guide]]> https://steady.nz/blog/kiwisaver-first-home-withdrawal-2026 https://steady.nz/blog/kiwisaver-first-home-withdrawal-2026 Thu, 07 May 2026 00:00:00 GMT First Home <![CDATA[How to Slash Your Winter Power Bill in 2026 (NZ Guide)]]> https://steady.nz/blog/winter-power-bill-nz-2026 https://steady.nz/blog/winter-power-bill-nz-2026 Mon, 04 May 2026 00:00:00 GMT Save Money <![CDATA[How to Retire Early in NZ — A Kiwi FIRE Guide (2026)]]> https://steady.nz/blog/retire-early-nz-fire-guide-2026 https://steady.nz/blog/retire-early-nz-fire-guide-2026 Sat, 02 May 2026 00:00:00 GMT Guides <![CDATA[Sharesies vs InvestNow vs Kernel — Which NZ Investing Platform Wins in 2026?]]> https://steady.nz/blog/sharesies-vs-investnow-vs-kernel-2026 https://steady.nz/blog/sharesies-vs-investnow-vs-kernel-2026 Sat, 02 May 2026 00:00:00 GMT Investing <![CDATA[NZD vs AUD: Should You Move Your Savings Across the Tasman in 2026?]]> https://steady.nz/blog/nzd-vs-aud-savings-2026 https://steady.nz/blog/nzd-vs-aud-savings-2026 Fri, 01 May 2026 00:00:00 GMT Savings <![CDATA[Cost of Living Payment NZ 2026: Who Gets It, How Much, and When?]]> https://steady.nz/blog/cost-of-living-payment-nz-2026 https://steady.nz/blog/cost-of-living-payment-nz-2026 Sat, 25 Apr 2026 00:00:00 GMT Guides <![CDATA[Moving Out of Your Flat in NZ: The Real Money Checklist (2026)]]> https://steady.nz/blog/moving-out-flat-nz-money-checklist https://steady.nz/blog/moving-out-flat-nz-money-checklist Fri, 24 Apr 2026 00:00:00 GMT Guides <![CDATA[How Much Should I Have Saved by 30 in NZ? (2026)]]> https://steady.nz/blog/how-much-should-i-have-saved-by-30-nz https://steady.nz/blog/how-much-should-i-have-saved-by-30-nz Wed, 22 Apr 2026 00:00:00 GMT Guides <![CDATA[How to Pay Off Debt Fast in New Zealand (2026 Guide)]]> https://steady.nz/blog/pay-off-debt-nz https://steady.nz/blog/pay-off-debt-nz Sun, 19 Apr 2026 00:00:00 GMT Education <![CDATA[💰 15 Side Hustles That Actually Work in NZ (2026)]]> https://steady.nz/blog/side-hustles-nz-2026 https://steady.nz/blog/side-hustles-nz-2026 Sun, 19 Apr 2026 00:00:00 GMT Earning <![CDATA[NZ Tax Refund: How to Check If IRD Owes You Money (2026)]]> https://steady.nz/blog/tax-refund-nz-explained https://steady.nz/blog/tax-refund-nz-explained Sun, 19 Apr 2026 00:00:00 GMT Education <![CDATA[NZ Mortgage Rates 2026: Fixed vs Floating and How to Save Thousands]]> https://steady.nz/blog/mortgage-rates-nz-2026 https://steady.nz/blog/mortgage-rates-nz-2026 Sun, 19 Apr 2026 00:00:00 GMT Property <![CDATA[Afterpay vs Credit Cards in NZ: Which Actually Costs You More?]]> https://steady.nz/blog/afterpay-vs-credit-card-nz https://steady.nz/blog/afterpay-vs-credit-card-nz Sun, 19 Apr 2026 00:00:00 GMT Education <![CDATA[How to Save $5,000 in 6 Months: A Realistic NZ Plan]]> https://steady.nz/blog/save-5000-in-6-months-nz https://steady.nz/blog/save-5000-in-6-months-nz Sun, 19 Apr 2026 00:00:00 GMT Guides <![CDATA[The Best Personal Finance Apps in New Zealand (2026 Guide)]]> https://steady.nz/blog/personal-finance-app-nz https://steady.nz/blog/personal-finance-app-nz Tue, 14 Apr 2026 00:00:00 GMT Guides <![CDATA[How to Track Your Expenses Automatically in NZ]]> https://steady.nz/blog/expense-tracker-nz https://steady.nz/blog/expense-tracker-nz Tue, 14 Apr 2026 00:00:00 GMT Guides <![CDATA[Cost of Living in NZ 2026: What Kiwis Actually Spend]]> https://steady.nz/blog/cost-of-living-nz-2026 https://steady.nz/blog/cost-of-living-nz-2026 Tue, 14 Apr 2026 00:00:00 GMT Insights <![CDATA[How to Create a Household Budget in NZ (That Actually Works)]]> https://steady.nz/blog/household-budget-nz https://steady.nz/blog/household-budget-nz Tue, 14 Apr 2026 00:00:00 GMT Guides <![CDATA[Steady vs PocketSmith: Which NZ Finance App Is Right for You?]]> https://steady.nz/blog/steady-vs-pocketsmith https://steady.nz/blog/steady-vs-pocketsmith Tue, 14 Apr 2026 00:00:00 GMT Guides <![CDATA[How to Switch Banks in NZ Without the Hassle]]> https://steady.nz/blog/how-to-switch-banks-nz https://steady.nz/blog/how-to-switch-banks-nz Tue, 14 Apr 2026 00:00:00 GMT Guides <![CDATA[7 Best Free Finance Apps in New Zealand (2026)]]> https://steady.nz/blog/best-free-finance-apps-nz https://steady.nz/blog/best-free-finance-apps-nz Tue, 14 Apr 2026 00:00:00 GMT Guides <![CDATA[Is Open Banking Safe in New Zealand? 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