Steps for Creating a Solid Credit Score

A bad credit score denies you the chance to obtain credit or increase your cost of borrowing, this limits our ability to grow financially or meet our obligations. Given the value of good credit scores it is important to know what steps to follow to ensure that you score highly in terms of credit levels.

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How to Save Money on Home Improvements

Many Kiwis want to improve their home before summer kicks into gear and the renovations get pricier. It could be a small DIY project or something big that needs more money and time. Every little thing adds up in renovations. If you strategically plan the layout, materials and time involved, you could easily cut costs and save money without cutting corners

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Habits You Can Start Today For Financial Success

Every year you make goals to spend less, save more or become debt-free. The beginning of the year is one of the best times to assess and adjust your financial goals. To achieve financial success, developing good spending habits are of equal importance to saving or earning more money.

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How to Reach any Goal: 7 Simple Steps

Most of us are fired up and determined at the start of a new year as we set new goals and hope to make this year a great one. However, if you're trying to achieve someone else's goals, you'll easily fail. Find a goal that motivates you and aim to have a few life-changing goals set across all areas of life.

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8 Awesome New Year's resolution ideas

he New Year is upon us. It's that time again when many people indulge in retrospection and look back at their life choices. If you have failed to break your old regime this year, then now is the perfect time to improve your life by making a list of all the important lifestyle changes you want to do in the coming year.

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Awesome Tips for Last-Minute Christmas Planning

Too busy to prepare for Christmas? If you're not as organised as you normally would be, and haven't prepared your Christmas holiday plan yet, don't stress out, you still have time to make things right. After all, the most important part of this time of the year isn't just the food or festive decorations - it's about spending time with your family.

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Top tips to survive the school holidays on a tight budget

School holidays are an exciting time for many of us as it's the time for fun and family bonding. However, as parents, you are always wondering how to keep your kids happy and fulfil their holiday wish list without breaking your budget. There are plenty of activities that can keep your kids busy and entertained without you reaching for your wallet.

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6 Habits to make the most of your Paycheque

It's impossible not to be excited when your payday arrives. You work hard, put in long hours and even work overtime to earn enough money to cover all of your expenses and save some surplus for the 'fun'. As tempting as it might be to splash out on something flashy with your next paycheque, it's important to resist the urge to spend. Maxing out credit cards could rack up interest and could quickly get you in to debt.

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8 Great Ways to Make Extra Money before Christmas

We are already in December and it's time to get our festive spending ready to go. Many New Zealanders plan well on what to buy for Christmas but may not plan enough on how they're going to pay for it. During this time of the year, both stress levels and credit card debt increases. Holidays should be the time for fun and joy and to keep stress as far away as possible. If you need extra money to pay for your holiday spending list, don't worry, you still have time to earn some.

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4 Tips to Make Smart Borrowing Decisions

Applying for a loan is often a necessity. Most people are unable to purchase a sweet new ride or a house upfront without one. Although borrowing money is common, one can easily get trapped in an endless cycle of debt if spending is not kept on track. Smart borrowing isn't that hard. To help you with it, we've rounded up the following tips:

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Top Tips to Improve Your Credit Score This Year

There are more reasons than one to keep up an excellent credit score. If you ever want to buy a house, a brand new car or get an insurance policy, a good credit record could get you low-interest rates and premiums for your future purchases.

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How to Save Money at the Supermarket

Saving money on your grocery shopping begins way before you visit a supermarket. With a little planning and organising you can transform your shopping experience from stressful to serene.

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Awesome Things to Do on a Money-Free Weekend

You've probably worked very hard throughout the week and are eagerly waiting for some time off. Long weekends are a great way to spend some extra time with your loved ones, especially if you haven't had enough downtime lately. Getting to the weekend and then doing something interesting doesn't have to be hard. Read more on how to make the most of your fun time off.

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Selling Used Items is as Easy as 1-2-3

Now is as good a time as any to have a thorough clean out. Do you have lots of unused things and wondering what you can do with them? It can be overwhelming when you have plenty of old junk and want to get rid of it.

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Change your Money Mind-set

Before you start saving for a trip or thinking about spending your hard earned cash, you should think about money. Where does your money go? 'If only I earnt more, then I wouldn't be in so much debt.' Sometimes we end up in an ongoing moneyless cycle and live for each pay day. Some people even when earning a decent income have the same problem as people earning a lot less, it's all about changing your habits.

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6 Ways to Save Some Serious Money by Renting

It's best to borrow and save money instead of buying things that you will only use once or twice. Every house will have clutter that is rarely used. You can save some cash and cut down on your expenses by borrowing certain things only when you need them. Lending has been around for a long time in human civilisation. If you have a good rapport with your friends, neighbours and community you could borrow and lend just about anything conveniently.

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7 Spending Mistakes to Avoid Now

Mindful spending will save you money. Shopping around for good deals, spending just enough on clothes or shoes and passing on morning flat white coffees could help you in your saving goals.

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7 Ways to Get Out of Debt Faster

Whether it's credit card debt, a personal loan, a car, or a student loan - No matter what type of debt you have, by following the simple strategies listed below, you could pay off your debt quicker and start living the life you really want.

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Pokémon Go: Avoid these costly and dangerous mistakes

Pokémon Go: the new augmented reality game for smartphones is the revival of the popular '90s game. This time around people of all generations have become enthralled and are getting into action to 'catch 'em all.' Even though the game's app is free, players are still spending heavily. If you and your family are taken by the Pokémon Go storm but are living payday-to- payday or have outstanding debts and loans to pay off, you should avoid making the following money mistakes. Not to mention, you should also talk to your kids about how to be safe and responsible when playing the game.

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7 Amazing Ways to Keep Retirement Exciting

Retirement can be pretty appealing; sleeping in, golfing or traveling the world at your leisure. If your retirement is turning out to be too easy and you have nothing much to do, you could keep your life exciting and fresh with these activities.

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Avoid This Money Mistake and Save $160,000 Cash

Eating lunch out has become a daily ritual for a lot of working Kiwis. An average daily spend on lunch ($10), coffee ($5), soda ($2), and snacks ($5-$10) may seem insignificant, it can add up over time. If you're a working Kiwi who eats out almost every day, then you could be spending close to $3600 this year just on lunch and coffee! Can you imagine what this amount would add up to over your entire work lifetime?

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How to Declutter Any Room in Just 6 Steps

What is great about living in a clutter-free space? Clutter is bad for both your mind and wallet. You will lose a lot of time searching for missing things around your cluttered home or office. Is it worth it to get charged with late fees on your credit card bill just because it was hidden under the piles of paper on your desk?

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Note: The above is intended to be general information and not financial advice. Cashtillpayday does not give financial advice.