KiwiSaver vs Term Deposits: Where to Put Short-Term Savings
Planning your short-term savings in New Zealand? With the Official Cash Rate influencing everything from mortgage repayments to investment returns, ch...
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SM
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)
Personal Grievances NZ: When Your Employer Does Wrong
If your employer has treated you unfairly at work, you might have the right to raise a personal grievance. This is a formal action you can take agains...
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Tertiary Student Finance: Beyond Student Loans
While student loans are a lifeline for many Kiwi tertiary students, they're just one piece of the puzzle. Exploring options like the revamped Fees Fre...
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Business Insurance in New Zealand 2026: SMEs' Essential Coverage Guide
Running a small or medium-sized enterprise (SME) in New Zealand means juggling growth ambitions with everyday risks—from a burst pipe flooding your wo...
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Debt Collection NZ: Your Rights When Collectors Call
If a debt collector has called you, it's natural to feel anxious. But you've got more rights than you might think. In New Zealand, debt collectors mus...
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Boarding Houses NZ: Tenant Rights and What to Expect
Thinking about moving into a boarding house in New Zealand? You're not alone—many Kiwis choose this affordable option, especially in cities like Auckl...
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Where to Stay in Auckland: Best Areas and Neighbourhoods for Every Budget
Auckland's vibrant neighbourhoods offer something for every Kiwi traveller, whether you're plotting a weekend getaway, planning a family holiday, or h...
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New Zealand Travel Insurance: What You Need and How to Choose a Policy
Picture this: You're hiking the Tongariro Crossing, marvelling at New Zealand's stunning volcanic landscapes, when a sudden twist of an ankle leaves y...
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Pet Emergency Fund: How Much to Save
Imagine it's a stormy Friday night in Auckland, and your beloved Labrador, Max, suddenly starts yelping in pain from a twisted paw after chasing a bal...
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PhD Funding NZ: Scholarships and Living Costs
Pursuing a PhD in New Zealand is an achievable dream, even for those worried about the financial burden. With fully-funded scholarships covering tuiti...
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Credit Card Debt NZ: Strategies to Pay It Off
If you've ever stared at your credit card statement, heart sinking at the mounting interest, you're not alone. New Zealanders collectively owe $6.3 bi...
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Property Managers NZ: What They Do and Your Rights
Navigating the rental market as a Kiwi landlord or tenant can feel overwhelming, especially with New Zealand's evolving tenancy laws and rising proper...
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