Keeping track of money is a lot easier when each dollar has a clear purpose. Over time, I’ve set up a few different accounts to handle everyday expenses, savings goals, fun spending and emergencies.

It’s no secret that the cost of living in New Zealand keeps creeping up, but there are small and simple ways to cut costs that can help you get more for your money.

Let’s go over eight practical ways to save on everyday expenses that actually make a difference in your budget.

I didn’t know much about investing or financial planning growing up. What I did learn came from simple lessons at home about saving and avoiding debt. This blog is my way of sharing how those lessons evolved into building a more intentional financial life.