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31 March 2008


Sorted is New Zealand’s free independent money guide, run by the Retirement Commission.


  • Guide To Teaching Kids About Money

    More than ever before, it pays to teach kids the principles and skills they need to manage their money in the future. But you don’t have to be an expert yourself to get your kids started. All you need is the time it takes to introduce them to the ideas involved.

  • Guide To Bank Fees

    For many savers, using ordinary bank accounts is a convenient, low cost way of building up financial assets. Banks charge fees but, for smaller savers, they are likely to be less than the fees charged on other savings and investment products.

  • Guide To The Power Of Compound Interest

    If there's any magic in saving, this is it - the power of compound interest. When you're saving, the bank (or financial institution) adds interest to your savings at regular intervals (for example, every month). If you don't touch the interest,

  • Guide To Income

    How much you spend isn’t the only important part of your budget.

    How much you earn (your income) also has a big impact on whether you can create a surplus to put towards saving or paying off debt.

  • Setting Your Goals

    Goal setting is an attitude to life. It puts you in charge.

    As you go through the process of getting financially fit, you'll find that goals pop up everywhere. Big, long term goals are where you want to end up. Smaller, short term goals are the steps that help you get there.

  • What Is My Net Worth?

    Your net worth is the difference between the value of what you own and the total amount that you owe. It's the amount of cash you'd have in your back pocket if you sold everything and paid off all your debts today.

    It's another way of saying how wealthy you are.

  • Questions To Ask A Mortgage Broker

    There are no regulations stating what information mortgage brokers have to tell you – it’s up to you to find out about their services and their background. Here are five questions you could ask:

    How many lenders do you work with, and who are they?

  • Questions To Ask A Lender

    It is important that you know just what you can and can’t do with a loan, and what the costs are, before you sign up.

    What fees do you charge?

  • Home Loan Fees and Interest Rates

    The price for a home loan and all the features it offers comes in the form of interest and fees. Some lenders provide details of these in their brochures, and many give current charges on their websites.


    These are the specific costs you need to check:

  • Striking a Mortgage Deal

    The ideal mortgage contract has benefits for both sides: you get a loan to match your needs at a competitive price, and the lender gets some long-term business. Look at it as a deal where you can negotiate.

    Knowing what you want

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