Best Places to Retire in NZ: Climate Costs and Healthcare
Choosing where to retire is one of the most important decisions you'll make, and New Zealand offers some truly exceptional options. Whether you're dra...
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Sarah Mitchell
Senior Finance Writer
333
Articles
Sarah covers personal finance, tax, and KiwiSaver topics for Lifetimes NZ. She focuses on making money management straightforward and practical for everyday Kiwis.
Expertise & Credentials
I write to help New Zealanders make confident financial decisions with clear, accurate information.
Areas of Expertise
Personal Finance
Tax
KiwiSaver
Budgeting
Insurance
Articles by Sarah Mitchell
333 articles published
Categories:
Money & Finance (192)
KiwiSaver & Retirement (11)
KiwiSaver Basics and Fund Selection (2)
Best Savings Accounts NZ 2025 (1)
How to Budget in NZ (1)
First-Home Buyer's Mortgage Guide (2)
Best Car Insurance NZ 2025 (1)
Family & Benefits (1)
Immigration & Moving (1)
Taxes Explained (7)
Trip Planning (1)
KiwiSaver Withdrawal for First Home (1)
Banking & Savings (7)
AEWV (1)
Term Deposits vs Bonds (1)
Managing Debt & Credit (1)
Home and Contents Insurance Guide (1)
Minimum Wage (1)
Legal Matters (8)
Pet Insurance (2)
Wildlife Wonders & Records (2)
Budget 2025 KiwiSaver Changes (1)
Personal Finance & Budgeting (14)
Cost of Living by City (3)
How Much Can I Borrow (1)
Life Insurance for Families (1)
Tax (1)
Business Setup (1)
Property Investment (1)
Salary Data (1)
NZ Superannuation & Retirement (1)
Business Loans (1)
Practical FAQs (2)
KiwiSaver vs Other Retirement Options (2)
Emergency Fund Setup Guide (1)
Tax Planning for Freelancers (1)
Investing 101 (12)
Fixed vs Floating Rates Explained (1)
Cost of Living (1)
Income Protection Insurance (1)
Visa Compliance (1)
Mortgages & Home Loans (8)
Banking & Finance (1)
Travel Insurance Comparison (1)
Leave (1)
Business Insurance (1)
Accounting Software (1)
Pet Health (1)
South Island (2)
Travel Styles (1)
Environmental & Scientific Records (1)
Insurance (6)
AML Compliance (1)
Local Marketing (1)
Contracts (1)
Destinations (2)
Cultural & Social Curiosities (2)
Immigration Law (1)
Language & Names (1)
Student Debt (1)
Superannuation (1)
KiwiSaver & Super (1)
Superannuation & Pensions (1)
Deposits & Saving (1)
Pet Finance (2)
Hamilton Cost of Living 2025: Affordable Alternative?
Considering a move to Hamilton in 2025? With Auckland's rents soaring and Wellington's living costs biting, many Kiwis are eyeing Hamilton as a smart,...
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New Zealand Visa Overstays 2026: Penalties, Breaches, and How to Fix It
Imagine arriving in Aotearoa for a working holiday or to visit family, only to realise your visa has expired without you noticing. Suddenly, you're an...
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Cross-Lease Properties NZ: Risks and Benefits Explained
Ever driven through an established Kiwi suburb and spotted two cosy homes sharing a single driveway, wondering how that ownership tangle works? Cross-...
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Rest and Meal Breaks NZ: What You're Entitled To
Ever started your shift buzzing with energy, only to hit a wall by mid-afternoon because you couldn't grab a proper break? You're not alone—many Kiwis...
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After-Hours Medical Care NZ: Your Options Explained
Imagine it's 10pm on a Friday night, and your child spikes a fever or you twist an ankle playing footy. The local GP is closed, and the thought of hea...
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Mental Health Crisis: Where to Get Help Right Now
If you're facing a mental health crisis right now, know that help is available across Aotearoa New Zealand—pick up the phone, text, or reach out onlin...
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Backpacking New Zealand: Budget, Hostels, Work Options and Sample Routes
Whether you're a Kiwi eyeing a jaunt around your own backyard or planning to rediscover Aotearoa's hidden gems, backpacking New Zealand offers epic ad...
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Flexible Working Requests NZ: Your Rights to Ask
Imagine wrapping up your workday early to pick up the kids from school, or logging in from home a few days a week to care for an elderly parent—all wi...
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Credit Contracts NZ: Know Before You Sign
When you're considering borrowing money in New Zealand—whether it's a personal loan, mortgage, credit card, or Buy Now Pay Later arrangement—understan...
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Workplace Bullying NZ: Your Rights and Options
Imagine arriving at work each day with a knot in your stomach, dreading the constant criticism, exclusion, or intimidation from a colleague or manager...
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Property Syndication NZ: Pooled Property Investment Explained
Ever dreamed of owning a slice of prime commercial real estate in Auckland or Christchurch, but baulked at the multi-million-dollar price tag? Propert...
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