Introduction To Budgeting

• Budgeting
  • Introduction To Budgeting
  • Getting Serious
• Insurance
• Debt Reduction
• Savings
• Before You Invest
• Investments
• Retirement Planning
• Estate Planning

Calculators

• KiwiSaver Account Calculator for Employees
• Residential Property Investment Calculator

Useful Resources

• KiwiSaver Tools and Information
• Follow the Secrets to Wealth
• Get the newsletter direct to your inbox each month
• Independent life insurance information

• Getting started
• Understanding what you spend your money on
• Understanding how much money you spend
• Refining the budget
• Managing your budget going forward

Managing your budget going forward

Congratulations!

You've completed the first step in successful money management. By completing the first cut of your budget, you've been able to see where all your income goes, and have been able to work out the difference between what you earn and what you spend.

Now what?

It depends. Some people need a lie down. But, for others, the challenge and lifestyle change towards successful money management has just begun.

Successful money management is when you

• Begin to take control of your money,
• Decide how much you want to spend and on what,
• Regularly review and update your budget, and
• Can make informed decisions and choices with your money, for tomorrow as well as into the future.

Successful money management requires discipline and consistency, but the rewards of being in control will soon kick in. Your financial stress will ease, and you'll be on the way to achieving your financial goals.