Beta. Your email and a few labels are saved so we can send your guides — your numbers never leave this device.
Nau mai, haere mai
Sort your money. Your way.
Free, judgement-free help with money — from the community organisation that lends interest-free. Start with your kete: everything here is yours to use, in any order, at your own pace.
A 60-second quiz that works you out — then points you at the one place to start. Most people begin here.
Sorting out debt? →
Go straight there. One payment instead of five is a real thing — and interest-free means the total actually goes down.
“It’s made me think twice about my money and not doing spur of the moment spending.”— My Money Kete member
Under 10 minutes to your first win · no login · nothing shared without you
Step 1 · 30 seconds
Let's get you set up
Your name, your email, and a couple of quick questions. No password: we'll email you a magic link so you can pick up exactly where you left off, on any device.
Quick check before you start — so you can see how far you've come:
I feel on top of my money right now
Not really
Sort of
Yes
I know what my next money step is
Not really
Sort of
Yes
🔒 Your answers stay with you. We store your name, your email and a few simple labels — never your quiz ticks, never a dollar figure.
Your money dream
What are you doing this for?
Everyone's is different. Tap up to three that feel like you — we'll keep them where you can see them.
“Fight for your dreams, and your dreams will fight for you.”— from your My Money Kete workbook
Do the maths · the $25 rule
Every dream has a weekly number
$25 a week — about one takeaway night — is $1,300 in a year. Leave it five years in a savings account and it's about $7,200: your $6,500, plus roughly $700 the bank pays you for leaving it alone. Small and boring beats big and someday.
Top tipTake a photo of your dream and keep it on your phone — somewhere you can look at it regularly to keep that dream alive. ◆ photo upload coming
My money dream
Know yourself · about 60 seconds
Which of these sound like you?
We all have different ways of dealing with money — knowing your style helps you figure out what to be aware of as you build a new money mindset. Tick every one that fits. No right answers, and no one is checking.
One more · pick one
What's your biggest money challenge right now?
You might recognise a few. Pick the one weighing on you most — that's where we'll start.
📖
This is the short version. Your full My Money Kete workbook goes deeper on money styles (pages 6–7) — download the guide, or we'll email you the detail one piece at a time.
Your money picture · not a budget
Your money, in one picture.
One number in, six lines out — about two minutes. Roughly is fine, and you can tune it later. Think in whatever rhythm your money moves; we'll do any converting.
Weekly
Monthly
Where it goes · six lines
Guess if you're not sure — you'll be closer than you think, and a rough picture you finish beats a perfect one you don't.
Worth a second look
Subscriptions are the sneaky one
Streaming, music, the gym, phone apps, Sky, that free trial from March. They're small, they're automatic, and almost everyone finds one they'd forgotten. Scroll your bank app for anything that repeats.
Where your money flows
More going out than coming in? You're a long way from the first — it's the single most common picture we see, and it's fixable. The next step shows where to start.
Coloured by how much say you have over each one — not by good or bad. No line here is a mistake.
Later: connect your bank securely to fill this in for you (Akahu) — always your choice, never required ◆
Take action · under 10 minutes
Get on top of your debt
One debt at a time — five quick details each. Most people have two to four, not eleven.
Credit card$2,400
Interest rate21.5%
Monthly repayment$120
Of which interest$43
💸 $43 a month of this repayment buys you nothing — it's interest. The shame belongs to the rate, not to you. An interest-free loan makes the same $120 all go to the debt itself.
3 ways to get your debts under control
1 · Get free help from experts
A financial mentor is the best person to help you out — confidential, non-judgemental, all over New Zealand. They can talk to the people you owe money to on your behalf, and help you apply for a cheaper loan.
2 · Combine your debts into one
Lots of debts, all charging different interest and fees? One interest-free, fee-free loan from Ngā Tāngata can replace them. You'll need to work with a financial mentor to be eligible — and it could save you heaps.
3 · Talk to the people you owe
Sounds scary, but you'll be surprised how much banks and lenders will help you find ways to manage your debt — especially before things get behind.
Quick win · the hardship call
Every lender has a hardship process. Almost none of them advertise it.
By law, NZ lenders have to consider a hardship application — smaller payments, a pause, sometimes the interest frozen. You don't need the perfect words: “I'm having trouble making the repayments and I want to sort something out.” A financial mentor will make that call alongside you if you'd rather not do it on your own.
📖
Going deeper: the workbook walks through all of this step by step (pages 10–11) — download the guide. Your emails will pick up from exactly where you are.
The one that changes things
Treat it like a bill
Most people save whatever’s left at the end of the week. Usually nothing’s left — that’s not willpower, that’s just how weeks work. So move it the day you get paid, before anything else has a go at it. Your power bill doesn’t wait to see what’s left over.
3 moves, in order
1 · Set one automatic payment
Pick an amount you won’t feel — $5 or $10 is plenty. Set it for the day after payday, in your banking app or by asking at the bank. Send it somewhere you can’t see it when you check your balance.
2 · Give it a name
“Savings” is easy to raid. “The car rego” is harder, because you know exactly what you’re taking it from. Emergency money counts as a name. So does Christmas.
3 · Write the date, even if it isn’t today
Paying off debt first? You don’t have to start today. Clearing an expensive debt often does more. But write down the date you can start and put it in your phone. A date is a plan; “sometime” isn’t.
From your workbook$10 a week is about $520 in a year. The amount matters less than whether it keeps happening.
Help is close at hand
A financial mentor is the door to a Ngā Tāngata interest-free loan — free, confidential, judgement-free. They've had this kōrero many times before.
Share my money style and biggest worry with my mentor so I don't have to start from scratch. Never my numbers — those stay mine.
Kia kaha — you've got this!
✓
First session completeOnly a handful of people get this far. You’re one of them.
🏅 First session complete
Same two questions — how does it feel now?
I feel on top of my money right now
Not really
Sort of
Yes
I know what my next money step is
Not really
Sort of
Yes
One next step — just one
Dreams happen in bite-sized pieces. Pick one thing for this week — we'll check in on just that, nothing else.
Good habit №1 — from your workbookLook at your dream regularly — once a day, or at least once a week — to remind yourself why this matters. Your dream card will be waiting in your inbox.
When you're ready — savingNot now, necessarily. But when there's something spare, the habit matters more than the amount. Here's the short version, yours to keep.
“They've made changes and you can too. Here's to getting ahead with money!”— My Money Kete workbook, p25
Spending less isn't the only lever — and it's rarely the biggest one
In order of what usually pays best: 1. Check what you're already entitled to — Working for Families, accommodation supplement, disability costs. Thousands of NZ households are owed money they never claim. 2. Sell what you no longer use — one Marketplace afternoon is often a few hundred dollars. 3. The hours or pay kōrero at work, with the number written down before you walk in. A side hustle is fine too — but start with the money that's already yours.
Everything stays open — come back any time with your magic link. Your dream card, your picture and your next step will be waiting.
Nau mai, haere mai
Sort your money. Your way.
Free, judgement-free help with money — from the community organisation that lends interest-free. Start with your kete: everything here is yours to use, in any order, at your own pace.
✓ First win in under 10 minutes✓ No login — a link comes to your email✓ Nothing shared without your say-so
Try it — question 1 of 14
“I pay my bills on time and try to save a bit when I can”
No wrong answers, and no maths. Fourteen of these and we shape everything around how you're wired.
How it works
Four steps, and you set the pace
Nothing is locked. Nothing expires. There is no behind.
1
Find your style
Sixty seconds, no wrong answers.
2
See your picture
A few lines, added up for you.
3
Take one action
Ten minutes, where it hurts most.
4
Keep going, backed up
A guide by email, a mentor when you want one.
Your kete — start anywhere
Everything is open. Nothing is homework.
Ten minutes each or less, all unlocked from day one.
Go deeper — the guide library
Six short guides, free to keep
Plain language, two pages each, written to be printed and passed on. No sign-up, no gate — take what's useful and leave the rest.
Your dream, in weekly numbers
Your money style, in full
Where the money goes
Getting on top of debt
More money in
Getting started with saving
Member voices
People who were exactly where you are
98% of members would recommend My Money Kete.
“It's made me think twice about my money, and not doing spur of the moment spending.”
— My Money Kete member
“My Money Kete has supported me with resources and made me feel more confident to make changes.”
— My Money Kete member
“A more stable and healthy relationship with money, without the anxiety.”
— My Money Kete member
My Money Kete is from Ngā Tāngata Microfinance
Interest-free loans, free financial mentors, and this kete. Free, confidential, and yours to keep.
A financial mentor is free, confidential and all over Aotearoa — and they are the door to an interest-free Ngā Tāngata loan. MoneyTalks: 0800 345 123, or free text 4029.
Ready when you are
Beta — in testing before launch. If you sign up we save your email and a few labels so we can send your guides. The numbers you enter stay on your own device and are never sent to us. ◆ Imagery direction and te reo review still to come.
