Quick money wins for 2026
A new year brings the chance to reset, refocus and make a few simple improvements that can have a lasting impact. When it comes to your finances, even small steps can make a real difference. Here are some easy wins to help you start 2026 on the right foot.
1. Check your automatic payments and subscriptions
It can be easy to lose track of regular payments that just keep ticking over in the background. Take a few minutes to review your bank statements or app and see what you are still paying for. Old streaming services, gym memberships or duplicate subscriptions can all add up over time. Cancelling a few unused services could free up extra money each month that you can put to better use.
2. Make the most of a pay rise or bonus
If your income has increased recently, it can be tempting to let spending rise at the same pace. Instead, consider diverting part of that extra money toward something meaningful, such as paying down a credit card, building your emergency fund, or increasing your KiwiSaver contributions. You’ll still have room to enjoy a little more, but you’ll also be helping your future self.
3. Revisit your KiwiSaver settings
KiwiSaver is one of the easiest ways to build long-term wealth, yet many people set and forget their contributions or fund type. A quick check can help ensure you are still on track. Look at how much you are contributing, whether your fund type suits your timeframe, and if your investment mix still feels comfortable. Even small adjustments can make a big difference over time.
If you are unsure which KiwiSaver fund type or settings are right for you, it can help to talk with a financial adviser who specialises in investment advice.
4. Refresh your budget for the year ahead
New goals and changing costs can make last year’s budget out of date. Take stock of your regular expenses, upcoming commitments and what you would like to achieve this year. Adjusting your budget now can give you a clearer picture and greater control as the year unfolds.
Big financial goals often start with small, consistent actions. Whether you update your KiwiSaver, cancel one forgotten subscription, or plan your next savings goal, every step counts. Start small, but start somewhere.
Disclaimer: Please note that the content provided in this article is intended as an overview and as general information only. While care is taken to ensure accuracy and reliability, the information provided is subject to continuous change and may not reflect current developments or address your situation. Before making any decisions based on the information provided in this article, please use your discretion and seek independent guidance.
