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Personal finance

Making smart financial decisions is one of the most important things you can do for your future. Consumer NZ provides independent, expert advice on personal finance topics to help New Zealand families manage money wisely, avoid common pitfalls, and build financial security.

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How to save money on back-to-school costs

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How to set up your children for a financially savvy future

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How to start saving for Christmas

Latest personal finance news & articles

Stay up-to-date with the latest personal finance news, tips, and expert advice relevant to New Zealand consumers.

New Zealand money and a calculator.

No bank good enough to win People’s Choice Award in 2026

Consumer NZ has revealed that not a single bank has qualified for its People’s Choice Award in 2026.

12 tips to stay on top of credit card spending

Avoid common pitfalls with our advice about controlling spend and paying off debt. Learn about options including low-interest and balance transfer credit cards.

Why we need cash to stick around

Cash has quickly been replaced by credit cards and online shopping and after pay services. What are we losing if it disappears?
Woman paying with card, contactless payment.

Surcharges should be down and out

Consumer NZ says card payment surcharges should now be down to about 1%, and research shows support for a surcharge ban is surging.

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