Before You… Financial Checklists NZ
Big life decisions come with big financial consequences. These step-by-step checklists help you go into each milestone financially prepared — covering what to sort out, what to save, and what you might have overlooked.
The Checklists
🏠 Before You Buy a House
Are you actually ready to buy? KiwiSaver first-home withdrawal, deposit requirements, LVR limits, pre-approval, and what to budget for beyond the price.
💼 Before You Quit Your Job
Leaving employment has financial consequences that most people underestimate — from tax codes to health insurance to KiwiSaver. Check before you resign.
🚀 Before You Start a Side Hustle
What IRD expects, whether you need to register for GST, ACC levies on self-employment income, and how to keep your tax under control.
→ Before You Start a Side Hustle NZ
🏙️ Before You Move City
Moving between NZ cities has real financial costs and implications — especially if you’re renting in Auckland and moving to a lower-cost region, or vice versa.
🌿 Before You Retire
The retirement financial checklist — KiwiSaver withdrawal age, NZ Super eligibility, wills, drawdown strategy, healthcare costs, and what to sort in the 12 months before you stop working.
👶 Before You Start a Family
Paid Parental Leave, Best Start payments, childcare costs, the income drop, relationship property law, and building your financial buffer before the baby arrives.
→ Before You Start a Family NZ