10 Things to Do Differently with Money in 2025

So much is going on; I've been emailed all week about people asking whether or not they should switch out of growth funds into cash/conservative (March 2020 all over again) while more and more users keep looking at our Work & Income resources. Meanwhile, OCR drops don't seem to be doing what they used to do for the housing market - .e.g. pump it up.

A new guide, in pre-release, seems more relevant than ever about focusing on the long-term - I'm sharing it here: https://www.moneyhub.co.nz/things-to-do-differently-with-money.html

As a disclaimer, I detest BNPL and hope they eventually vanish. I have the lowest credit card limit allowed by the card (still too high given NZ salaries IMO), I have an emergency fund, a dollar cost average investing approach (including now, when it's all red of late), and I am on the same page regarding finances with my partner. I've published this 'listicle' to help change habits and will update it as needed.

Finally, to the person who posted about why NZ doesn't have a PAYE calculator showing how much of your PAYE goes into different government services, I'm getting a tool developed to tell us just that - it may be a Google Sheet or something embedded - I'll post it when it's live because I know it will be interesting.