Unit Titles vs Fee Simple: Understanding Property Ownership
Ever wondered why one Kiwi homeowner can renovate their backyard deck without a hitch, while their neighbour in the next apartment block needs approva...
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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)
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Budget 2025 KiwiSaver Changes (1)
Personal Finance & Budgeting (14)
Cost of Living by City (3)
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Life Insurance for Families (1)
Tax (1)
Business Setup (1)
Property Investment (1)
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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)
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Working with a Disability: Rights and Support in NZ
Imagine landing your dream job in New Zealand, only to face barriers because of your disability. You're not alone—thousands of Kiwis with disabilities...
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Temporary Additional Support: Help with Essential Costs
Struggling to make ends meet despite your best efforts? You're not alone—many Kiwis face unexpected rises in living costs that stretch even a steady i...
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Flexi-wage Subsidies: Help for Employers to Hire You
Imagine slashing your hiring costs while building a stronger, more skilled team—that's the promise of Flexi-wage subsidies for Kiwi employers. In toda...
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Auckland Suburbs Ranked: Affordability vs Lifestyle 2025
Imagine finding that sweet spot in Auckland where you can afford a solid home without sacrificing beach walks, trendy cafes, or a quick commute to the...
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Driving in NZ as a Newcomer: Rules and License Conversion
Moving to New Zealand with an overseas driver's licence in hand? You're not alone—thousands of newcomers arrive each year eager to explore our stunnin...
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Cash, Cards and Tipping in New Zealand: How Money Really Works Here
Ever grabbed your wallet for a coffee run only to realise half the places don't even glance at cash anymore? In New Zealand, money moves faster than a...
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Rental Property Depreciation NZ: What You Can Claim
If you're a Kiwi property investor, understanding depreciation rules is crucial for maximising your tax deductions and keeping more money in your pock...
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ACC Rehabilitation: Getting Back to Work After Injury
Imagine slipping on a wet factory floor or twisting an ankle on a construction site—sudden pain, uncertainty, and the looming question: how do I get b...
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Redundancy Rights NZ: What You're Entitled To
Imagine clocking in at your job every day, only to hear the words "your role is being made redundant." It's a gut punch that hits thousands of Kiwis e...
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Parent Visa NZ: Sponsoring Your Parents to Join You
Bringing your parents to New Zealand to share in our Kiwi lifestyle is a dream for many families, but navigating the visa options can feel daunting. W...
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Asking for a Pay Rise NZ: Timing and Tactics
Ever stared at your payslip, feeling the pinch of rising Kiwi living costs while your salary stays stubbornly flat? You're not alone—many Kiwis are ge...
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