Richer choices

Money

IF YOU WANT TO SAVE in a substantial way, say the experts, make small daily changes. Think long term, and spend time planning your financial future. Be clear on your goals, expenses and disposable income. In such a tight labour market, it’s worth asking for a pay increase at work, or exploring your options elsewhere. But if you’re on a fixed income, or your boss is deaf to your pleas, then the only way to improve your financial situation is to trim costs. Tracking your spending with apps such as PocketSmith and Wally can help. Many banks also provide basic online tools to track your spending. Automate bill payments using online banking, to better track ingoings and outgoings, and check out websites such as Sorted for oodles more advice.

 , insurance, internet and phone plans, using websites such as Powerswitch, Glimp and LifeDirect. If you haven’t yet retired, then putting at least $20 a week into KiwiSaver is almost always a good idea – the government will part-match your contribution up to $521