With the cost of living still high and budgets under pressure, it’s easy to feel overwhelmed by the constant stream of financial advice out there. At HealthCarePlus, we know our members don’t always have the time or the desire to sort through it all.
That’s why, from time to time, we’ll shine a light on credible ideas and resources that align with our aim of helping our members become financially resilient - practical steps that can build confidence, reduce stress, and make a real difference over time.
This month, we’re featuring a recent Sorted article: Fast financial fixes that really work for your wallet and wellbeing. It’s full of simple, evidence-based actions you can take right now to strengthen your financial footing and we think it’s well worth a read.
Please note: This article is for general information only and is not financial advice. For personalised guidance, consider speaking with a licensed financial adviser or financial mentor.
As Sorted puts it, “If you’ve been googling ‘easy ways to save money’, here’s your number-one hack.” Set up an automatic payment to “pay yourself first” - moving a small amount into a separate savings account before you have the chance to spend it.
Even $10 or $20 a week adds up, and automation makes saving effortless. It also builds confidence and momentum, reinforcing good habits that make saving feel achievable, not impossible.
“You don’t need to wear a pinstripe suit, know everything about investing or be rolling in it to begin,” says Sorted, and that’s the truth.
You don’t have to start big; the key is to start somewhere. Sorted’s investment guides and videos make it simple for first-time investors to learn the basics and understand the power of compounding returns. Small, consistent contributions today can grow into meaningful results tomorrow.
An emergency fund is your first line of defence when the unexpected happens. Sorted notes that people who have even a modest buffer feel more optimistic and less stressed about money.
If you already have a safety net, think about topping it up regularly - even a little at a time. The sense of security it provides often outweighs the effort it takes to build.
Debt feels lighter when you have a plan. Sorted recommends two simple repayment strategies:
Both can work - the key is consistency. Sorted’s debt calculator can help you see how long it will take to become debt-free using either approach.
Money becomes far more motivating when it’s tied to something that matters to you - whether that’s a home, a holiday, or financial freedom. Sorted’s goal-planner tool helps you define, track, and visualise your goals so you can measure progress and stay inspired.
Money conversations can be hard, but they’re powerful. Sorted encourages open, honest discussions with partners, family, or a free financial mentor. Talking about money helps keep everyone aligned, reduces stress, and can turn financial management into teamwork instead of tension.
A surprising number of people are still in default KiwiSaver funds that may not match their goals or comfort with risk. Sorted’s KiwiSaver tool helps you compare fund types and providers to find one that better suits your situation. A quick review today can mean a healthier balance tomorrow.
You don’t need to take on all seven at once. Try one or two this week - automate your savings or check your KiwiSaver fund type. Small actions done regularly can have a big impact over time.
At HealthCarePlus, we believe good ideas are worth sharing - especially when they come from trusted, independent sources. When we find guidance that supports our aim of helping members become financially resilient, we’ll continue to highlight it here in Money Matters so you can cut through the noise and focus on what truly works.
Because financial wellbeing isn’t about knowing everything - it’s about making informed, confident choices, one small step at a time.