Where Can You Find Little Wins Today?
Financial resilience doesn’t just mean having a rainy-day fund. It means being ready – for anything. Whether it’s an unexpected bill, job loss, or rising living costs, it helps to have a strategy you can rely on. That’s what Money Month 2025 was all about.
This year, we’re focusing on Little Wins – practical tricks and tips to help you reduce financial stress and build resilience with your day-to-day finances, because big change happens with one little win at a time.
Build Financial Resilience, One Little Win at a Time.
We’ve broken down six key areas where Kiwis spend the most – and where even small changes can add up. Each tip sheet offers quick, practical ideas to help you stretch your budget and reduce financial pressure.
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Emergency Fund
Why You Need an Emergency Fund
An emergency fund is your first line of defence against the unexpected. It protects your savings, keeps you from going into debt, and gives you peace of mind when life throws you a curveball.
We recommend aiming to create an emergency fund that covers 3-6 months of your everyday living expenses. But start small, even a few hundred dollars can make a difference – and it’s easier to get started than you think.
How to Create an Emergency Fund
An emergency fund is like insulation from financial stress. Here’s how to start:
Step 1: Open a separate savings account (so you don’t touch it).
Step 2: Start small – $10 a week can add up fast.
Step 3: Automate it, just like a bill.
Step 4: Use ‘Little Wins’ to feed it.
You’ll find ways to free up money across your everyday spending below – and every dollar saved can go straight into your fund.
Start Building Your Resilience
Track Your Spending. Build Better Habits. See Real Progress.
Get started with the moneyfit.me Tracker, our powerful app that helps you track your spending, spot patterns, and make small changes that stick. Because the Little Wins add up.