Healthy spending in 4 steps

talking about money

Get out of debt. Save for your future. Live without stress. Easier said than done, right?

Tairākau makes it easier for you to do these things, by helping you and your whānau create a healthy spending plan. A healthy spending plan is when you have a surplus – money left over after you have paid your bills and expenses.

Follow the 4 steps to start your healthy spending journey.

Track Spending

Track my spending

Take the 14-day challenge and track your spending for 14 days to get an idea of where your money is going. Keep a journal of all the small stuff – things you pay for using cash or EFTPOS. After 14 days you will see how much you are spending on needs and how much you are spending on wants.

Check Spending

Check spending

Use bank statements to give yourself a spending check-up. Find out if you are spending more than you are earning.
See the results of your check-up as a pie graph, where each slice of pie is a type of spending. Then ask yourself: What slices should I make smaller? What slices should I make bigger?

Plan Spending

Plan my spending

Once you’ve done a check-up, it’s time to make some changes. Make a spending plan – a list of the changes you can realistically make each month. Your spending plan will show you how much you will save. Your aim is to grow your surplus slice of pie.

Set Goals

Set my goals

Enjoy using your surplus to buy the things you need and want. Instead of getting into debt, set goals and save up for each one. Make a start and finish date for each goal, and tick them off as you complete them.

First time at Tairākau?
Start with step 1
Already started the 4 steps?
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About Tairākau

‘Tairākau’ means ‘providing the tools to help a young tree to grow and bear fruit’. ‘He Oranga Pūtea’ means ‘for the wellness of your finances’.

Tairākau is a website for young Māori, offering information and tips on how to manage personal spending. The website is owned by Te Rūnanga o Ngāi Tahu, but is intended for all iwi.

This website has been created with the generous support of the J R McKenzie Trust and New Zealand Federation of Family Budgeting Services.

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