How to get your financial literacy on

How do you feel about your money? Is it enough for you or do you need more? And how often do you worry about your finances?


According to the latest Financial Resilience Index, money worries are a reality for many New Zealanders. The good news is, financial literacy can help you plan for the future, achieve peace of mind, and ultimately improve your personal and financial wellbeing.


Here are some steps you can take to give financial literacy the attention it deserves.


Foster self-learning

No matter where you’re at in the journey of life, it’s always a good idea to begin improving your financial literacy further.


As financial advisers, we’re here to share our knowledge and answer your questions. But if you’d like to grow your financial nous even further, there are a range of trusted, official resources for you to take your pick from, including:

Websites and blogs –


Podcasts –


Vlogs (video blogs like on YouTube) –


Download handy apps

Apps can be great tools to manage your money, track expenses, and learn a bit more about your financial behaviours.


Budgeting apps, for example, can be your friend for everyday life, as well as throughout your financial journey. Mybudgetpal helps you track your money, savings and budget. And, for someone with multiple income streams, Pocketsmith can be good to try out.

There’s also You Need a Budget for someone who’s living payday to payday, have a look.


Start the money conversation

Do you talk to your loved ones about money? Research shows that financial issues can have a negative impact on people’s relationships with family and friends – especially if communication is not open and clear.

So, try to have conversations about money with people you trust, and care about. Sometimes, talking about money may be hard to

do, but it can help your mental wellbeing during stressful times, and bring some meaningful insight, perspective and support for your financial journey.


Plus, the benefits go both ways – you never know who might like a shoulder to lean on too.

Get expert advice

Last but certainly not the least, make sure you reach out to the experts. If you’d like some guidance for your financial journey, we are here to help.


As financial advisers, we can be your go-to for quality, personalised advice, as well as just a sounding board for any questions you may have in mind. Please feel free to get in touch anytime, we’re only a phone call away.

Disclaimer: Please note that the content provided in this article is intended as an overview and as general information only. While care is taken to ensure accuracy and reliability, the information provided is subject to continuous change and may not reflect current developments or address your situation. Before making any decisions based on the information provided in this article, please use your discretion and seek independent guidance.



Protect Financial Services Limited is an Authorised Body and Dean Picard is financial adviser: FSPR Number: 76981. We provide financial advice under the licence held by FutureSense Limited, issued by the Financial Markets Authority (FMA). Please visit https://www.protectfinancial.co.nz/disclosure-statement for more information and Disclosure information.