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better deals

Making the most of your OneSmart card (and also, what the hell is a OneSmart card?)

Here at the last bus stop on the planet we love our travelling. But you can’t leave without a good pocketful of money and there’s no avoiding it: you’ll have to change your Kiwi dollars into some other currency. That’s where the irritation starts. They love to clip the ticket, those money changers. And every time they do, you brace yourself. How much are they going to sock me for this? Who’s going to take a big fat cut out…

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Avocado toast
Forget avocados, smash the big stuff first

Avocados have gotten a bad rap lately. The real reason millennials can’t afford to buy their own homes, commentators said, was not sky-high prices or the banks requiring 20 per cent deposits, it was young people’s insatiable hunger for the creamy green goodness of smashed avocado on toast. And even if you don’t like avocado, the finger-pointers would point out (with their fingers) that while our parents got by with a cup of Choysa made from a tea bag that…

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Tinker with your mortgage and you could save enough for a holiday to Fiji. Don’t believe us? Read this

Banks rely on us being lazy. In fact they make millions out of Kiwis who through inertia fail to shop around for a better deal. Customer loyalty doesn’t always pay. Shopping around on your mortgage can really pay off. Imagine telling your friends that you paid for a flash foreign holiday to Fiji just by remortgaging? It happens. Sure, you got the best rate when you first took your mortgage out. But is it still the best rate? Get a…

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Man behind trolley in supermarket
600,000 Kiwis are taking advantage of this money hack – are you one of them?

Recently I heard a story about a turkey who fills up his car with $40 worth of petrol, hangs up the pump, pays for it inside, then immediately fills up with another $40 and goes back in and pays for that too. He reckons he’s getting a better deal by hacking the AA Smartfuel system. There was much eye rolling and sighing at this seemingly silly caper. But it turns out this turkey is one of 600,000 Kiwis (not turkeys)…

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Five things that will give you expensive car insurance
Five things that will give you expensive car insurance

Nobody wants expensive car insurance! But with a little bit of insider knowledge, you can get top notch insurance without having to fork over a fortune. Here are five factors that affect how much you’ll pay for your premium. 1. Your credit score There’s a proven correlation between someone’s credit score and how likely they are to make a claim. Things like credit defaults and repossession have a big effect on your credit score, so check it out and make…

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Does customer loyalty pay?

You don’t get much in this life unless you ask. That’s definitely the case with your bank, your insurance company and utility companies. There’s a lot of money to be made there. And if we’re lazy, companies can maximise their profits. Don’t let that be you. By playing hard to get, or by ‘rate tarting’ (that’s shopping around for a better rate), you can have your loyalty rewarded. Understand your spending Before you storm into your bank or phone your…

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Flipping the switch: Why it’s easier than ever to switch banks

So you’ve been sifting around on CreditSimple.co.nz and seen some sweet deals, but you’re thinking it’s wayyyyy too hard to switch banks, right? Errr, pull up a chair and sit down for a moment. Actually, switching banks is easier than ever. Thanks to internet banking, our bank accounts capture loads of information – think about how many automatic payments or preloaded payees you have on your account (mum, dad, utilities, the local pie shop and so on) – and having…

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