Insights
Money psychology and behavioural insights — understanding your spending personality and building better habits.
6 posts
OCR Cuts in 2026: What They Mean for Your Mortgage and Savings
The Reserve Bank dropped the OCR to 3.25% in early 2026, with another cut likely. Here's exactly what that does to your mortgage repayments, your savings interest, and what to do about both.
Cost of Living in NZ 2026: What Kiwis Actually Spend
Rent, groceries, power, petrol, insurance — what the average Kiwi household actually spends in 2026, broken down by city. Refreshed May 2026 with the latest Stats NZ CPI figures and a new winter-power section.
NZ Grocery Budget 2026: How Much to Spend
What the average Kiwi actually spends at Pak'nSave, Countdown, and New World in 2026 — broken down by household size. Plus 11 ways to cut $100+ per week without living on mince and rice.
5 Money Habits That Actually Stick (Backed by Behavioural Science)
Most financial advice fails because it ignores human psychology. Here are 5 evidence-based money habits that work with your brain, not against it.
What's Your Money Personality? 5 Types of NZ Spenders
Are you a Spender, Saver, Avoider, or Monk? Your spending personality explains why budgets keep failing — and what to do instead.
Auckland vs Wellington vs Christchurch: Cost of Living Compared (2026)
How much does it actually cost to live in NZ's three biggest cities in 2026? Real numbers for rent, transport, food, and lifestyle — and what salary you need to live comfortably.