Podcast on Personal Finance in NZ

Alternate Finance is run by one of Canterbury, New Zealand's most successful entrepreneurs. He's now at a point in his life where he wants to give back to people who want to learn about money. If you'd like to increase your financial literacy and business knowledge, without claiming to be a financial advisor, tune-in to his short series of podcasts, his words of wisdom and the best business advice on personal finance you'll find for New Zealanders.

Financial Tools & Budget Calculator

Monthly Budget Planner

Use our free online budget planner. NZ life can get financially challenging especially in the heat of inflation, so stay on top of your business and personal finances easily with our budget calculator and have a PDF report sent to you 100% free. You can edit interest rates, repayments and forecast your personal finances.

NZ Personal Finance Blog

Get articles about money, personal financing, budget plannings, reducing costs and how to save and build wealth. From Kiwisaver, to compound interest explained in an easy way, to the importance of debt consolidation of personal loans. We're here to take the complex subject of money and financial advice to simplify it for you in our NZ finance blog. We're a finance company who's a member of the Responsible Lending Code, and although borrowing is a great way to leverage business or personal growth, there are traps you'll want to avoid. Subscribe and learn.

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  • Bad Credit
  • Beneficiary Advice
  • Budgeting
  • Business Lending
  • Buying Advice
  • Debt Advice
  • Interest & Calculations
  • Investing
  • Loan Advice
  • Property Advice
  • Top Tips
  • Uncategorized
  • Vehicle Finance
What is a good credit score in NZ, and what if yours isn’t?
August 27, 2026

What is a good credit score in NZ, and what if yours isn’t?

What counts as a good credit score in NZ, how to check yours free with Centrix, Equifax and illion, and how to improve it. Plain answers, no judgement.

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Does Applying for a Loan Affect Your Credit Score in NZ?
July 29, 2026

Does Applying for a Loan Affect Your Credit Score in NZ?

Yes, applying for a loan can affect your credit score in New Zealand. When you make a…

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Overdrafts vs Personal Loans – Which Is Better for You in New Zealand?
March 2, 2026

Overdrafts vs Personal Loans – Which Is Better for You in New Zealand?

When your business or personal finances face timing gaps or unexpected costs, you might consider using a…

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Credit Cards vs Personal Loans – Which Is Better in New Zealand?
February 23, 2026

Credit Cards vs Personal Loans – Which Is Better in New Zealand?

If you need to borrow money, it’s common to weigh up using a credit card versus taking…

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Buy Now, Pay Later (BNPL) vs Personal Loans – Which Is Better?
February 10, 2026

Buy Now, Pay Later (BNPL) vs Personal Loans – Which Is Better?

When you need to spread the cost of a purchase, Buy Now, Pay Later (BNPL) services can…

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Financial Literacy Games that Help Students Learn About Money
November 3, 2025

Financial Literacy Games that Help Students Learn About Money

How do most kids learn to excel at important things in life? Education and practice are the…

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Average Cost for a Holiday to Popular Vacation Spots for Kiwis in 2025
October 21, 2025

Average Cost for a Holiday to Popular Vacation Spots for Kiwis in 2025

The holiday season brings excitement, but expenses can spiral fast. Between flights, accommodation, activities, and unexpected costs,…

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Consumer Protection and the Responsible Lending Code of New Zealand 
August 30, 2025

Consumer Protection and the Responsible Lending Code of New Zealand 

Back in the day, there was no such thing as the responsible lending code of New Zealand….

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House Prices in New Zealand and Mortgage Rates
August 1, 2025

House Prices in New Zealand and Mortgage Rates

Average house prices in New Zealand from the 80s & why house prices fell in 2008. Learn how the 80s shaped the housing market we have in 2025.

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Debt Consolidation for Credit Cards in New Zealand — How It Actually Works
June 14, 2025

Debt Consolidation for Credit Cards in New Zealand — How It Actually Works

Debt consolidation for credit cards is one of the most common reasons Kiwis come to us. You’ve…

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Kiwi’s Treasure Chest: Starting Your Emergency Fund
April 17, 2025

Kiwi’s Treasure Chest: Starting Your Emergency Fund

Introduction: Building An Emergency Fund That Won’t Let You Sink! Hey there, Kiwi crew! Are you geared…

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Complete Guide to Building Credit After Migrating to New Zealand
March 8, 2025

Complete Guide to Building Credit After Migrating to New Zealand

Many people migrate to New Zealand, and while they can get jobs and bank accounts, many struggle…

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Understanding Short-Term Loans & If They are the Right Option for You?
January 27, 2025

Understanding Short-Term Loans & If They are the Right Option for You?

In Ne Zealand’s fast-paced financial landscape, short-term loans have emerged as a popular option for individuals seeking…

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How to buy indexes in New Zealand without paying huge ETF Fees
October 15, 2024

How to buy indexes in New Zealand without paying huge ETF Fees

The scope of investing or trading in indices funds is increasing nowadays. And why not, indices are…

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Personal Budgeting Practical Steps to Achieve Financial Independence
August 29, 2024

Personal Budgeting Practical Steps to Achieve Financial Independence

A budget basically acts as a thorough ledger tracking your income distribution—more especially, the money you save…

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Tackling Debt with the Avalanche Method: A Guide for Kiwis
July 23, 2024

Tackling Debt with the Avalanche Method: A Guide for Kiwis

Paying off debt is a life lesson that all Kiwis should learn. One extremely effective strategy is…

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Budgeting in NZ: A 3-Step Guide That Actually Works
February 15, 2024

Budgeting in NZ: A 3-Step Guide That Actually Works

Budgeting in NZ doesn’t need to be complicated, but it does need to be honest. Most Kiwis…

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Vanlife – Embracing the Open Road in New Zealand!
January 23, 2024

Vanlife – Embracing the Open Road in New Zealand!

There’s only one way to travel around NZ and that’s in a camper ! We’re here to…

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2024 Financial Game Plan: A Kiwis Guide to Setting and Sticking to Money Goals Next Year
November 22, 2023

2024 Financial Game Plan: A Kiwis Guide to Setting and Sticking to Money Goals Next Year

Introduction: Crafting Your 2024 Financial Game Plan Kia ora, fellow Kiwis! As we bid farewell to 2023,…

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Tackling Christmas Debt: A 5 Min Guide On How To Use Layby and Afterpay To Stay Out Of Credit Card Debt for Kiwi’s
October 25, 2023

Tackling Christmas Debt: A 5 Min Guide On How To Use Layby and Afterpay To Stay Out Of Credit Card Debt for Kiwi’s

Introduction: The Kiwi Christmas Spending Dilemma Believe it or not, Xmas is nearly here….again! It’s that time…

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