Resources

Here’s a bunch of resources that I refer to throughout my posts. I've used all of these to help with my productivity and reach goals. Give them a try!

 
 
Budgeting Template, Spending Habits, Debt Consolidation, Savings, Goals

Spending Template

Where is your money going and how much could you be saving? Download your choice of template and follow the instructions listed. 

 
Kiwisaver, Savings, First Home Buyer, Home Loans, 

Increase My Kiwisaver

KiwiSaver is a voluntary, work-based savings initiative which is primary for your first home or retirement. Minimum contributions are 4% of your wages. Bump this up to 8% and you'll be in your first home before you know. 

 
Kiwisaver, Savings, First Home Buyer, Home Loans, 

Home Start Grant Pre-Approval

Your pre-approval for the Home Start Grant usually takes five working days from application. There are a few bits and pieces that you'll need for this which include: payslips, identification,  KiwiSaver Contribution Statement (MY IRD) and proof of  earnings (also MY IRD). The application can be done online via the link below. 

 
Savings, Pay, Taxes, Kiwisaver, Savings, First Home Buyer, Home Loans, 

MY IRD - How Much Have I Earned 

To receive the Home Start Grant you need to earn less than $85,000 as an individual, or $130,000 if there are two of you purchasing the home. To see your earnings for the past twelve months:

  • Log onto your My IRD (link below), 
  • Under '$ Account Information' click on 'Salary & Wages'
  • This will default to show your current tax years earnings information (not required)
  • Select the 'earnings last 12 months' tab
  • Click on 'Save/Print', Save as PDF to be emailed
 
Kiwisaver, Savings, First Home Buyer, Home Loans, Savings, Spending, Mortgages, Superannuation

KiwiSaver - Have I Contributed Enough

To receive the grant there is a minimum allowable percentage of your total income that needs to be contributed over three years. To see if your eligible follow the instructions below:

  • Go to the KiwiSaver Website (link below)
  • Click in ‘MyKiwiSaver
  • Login using your IRD Online Services user name and password
  • Select ‘View Transactions
  • Click on the drop down box to select ‘Deductions from Salary/Wages
  • Change the start date to ‘1st July 2007’ (default date for the KiwiSaver scheme)
  • Apply filter
  • Click ‘view all pages’ then print

 

 
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Net Worth 

  • Assets (what your own) less Liabilities (what you owe)
  • An important calculation to do each month to see if your Assets are increase & your Liabilities are decreasing 
  • A negative net worth is fine, especially if you haven't been in the workforce for long and have a student loan
 
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30 Day Challenge

  • Have an expense that's burning a hole in your back pocket? 
  • Commit to a 30 Day Challenge and go without
  • Print out this poster today and hold yourself accountable