Your wallet affects your wellbeing
Money stress isn’t just about numbers — it’s one of the leading causes of anxiety and sleepless nights in New Zealand households. When financial worries build up, they affect every aspect of life: your relationships, career performance, and even physical health. On the other hand, strong financial planning gives you peace of mind and resilience when unexpected events arise.
Why financial wellness matters
- Ongoing financial stress can increase blood pressure, heart problems, and stress-related illnesses.
- Anxiety about money often leads to poor sleep, which lowers immunity and productivity.
- Having a financial safety net gives you confidence and stability in uncertain times.
Steps to improve your financial health
- Budget with purpose: track income and expenses; cut back on non-essentials.
- Build an emergency fund: 3–6 months of living costs provides a buffer.
- Reduce debt strategically: pay off high-interest debt first, and avoid “buy now, pay later” traps.
- Automate savings and bills: consistency builds security.
- Review your insurance: life, health, disability, and income protection are key safety nets.
Insurance check-up
Life changes — new job, marriage, children, property purchases — should always trigger a review of your insurance cover. Being underinsured or paying for outdated cover can leave gaps that only become obvious when you need help most.
Take control today
Financial wellbeing is built step by step. A clear plan, manageable goals, and the right protection create a foundation for long-term security. Start now — even small changes can have a big impact over time.
