Take Control of Your Money

Make owning a home your reality

Knowledge is power when it comes to your finances. Understanding where your money goes and making informed decisions about your spending is the first step towards building your first home deposit.

By taking control of your money today, you're setting yourself up for success not just in saving for a deposit, but in managing the ongoing costs of homeownership.

Why Financial Awareness Matters

Most people don't truly know where their money goes each month. Understanding your current spending patterns is the key to making impactful changes for your future home ownership goals.

Understand Your Position

Know exactly where you stand financially — your income, expenses, debts, and savings rate.

Set Clear Goals

Set specific, achievable savings goals with clear timeframes to keep you motivated.

Build Good Habits

Develop financial habits now that will serve you well as a homeowner managing a mortgage.

Avoid Lifestyle Creep

Learn to prioritise spending and resist the temptation to increase expenses as income grows.

Getting Started

1

Track Your Spending

Start by tracking every dollar for a month. Use your bank statements or a budgeting app to categorise your spending and see where your money actually goes.

2

Create a Budget

Based on your spending patterns, create a realistic budget that includes a savings target. Use tools like Sorted.org.nz or PocketSmith to help automate the process.

3

Track Your First Home Deposit

Create a dedicated savings account for your deposit and monitor its growth. Factor in your KiwiSaver balance and any other deposit contributions to see your total progress.

4

Review & Adjust

Review your budget monthly and adjust as needed. Celebrate wins and identify areas where you can improve. Consistency is more important than perfection.

Need Help With Your Financial Plan?

Book a no-obligation consultation to discuss your savings strategy and get personalised advice.