Step One Calculate your take home pay Find out how much money you actually have to work with. KiwiSaver Opt Out 3% 4% 6% 8% 10% Student Loan Calculate Take Home Pay

Step Two Create a budget Discover where your money goes and try to build some savings. Budget

Step Three Define your savings goals Set realistic goals and take care of your future self. Savings

Step Four Work out your net worth It's important to know your current financial position. Net Worth