Money Made Simple

MMS #52 | Saving smarter: how to spend less without the sacrifice

Simplicity Season 2 Episode 52

*Please note that nothing in this podcast is personalised financial advice or recommendations. We recommend that people seek independent financial advice when it comes to making decisions around their mortgages, insurances and/or general financial situation.*

As the cost of living crisis continues to squeeze Kiwi wallets, Jennie and Liv are back with practical, real-world ideas to help you save money without sacrificing everything you love. From tackling big-ticket expenses like housing and insurance, to finding creative ways to earn a little extra or make the most of what you already have, this episode is packed with ways to help you think bigger and smarter when it comes to saving.

This episode covers:

  • Ideas around reviewing and renegotiating big costs like your mortgage, rent and insurance
  • The benefits of switching providers for power, internet and mobile to save money
  • Ways to cut down on your transport costs
  • Making use of your home space to offset expenses
  • The benefits of micro-saving tools and building an emergency fund
  • The role of side hustles and time-based spending swaps

Resources mentioned in this episode:

- Sorted.org.nz’s Guide to saving and investing

- Sorted.org.nz's  KiwiSaver calculator

- MoneyHub’s Guide to saving money in NZ

- MoneyHub’s Insurance comparison guide

- Consumer NZ’s PowerSwitch tool

- The changes being made to KiwiSaver announced in Budget 2025


This episode is all about empowering you to make smart, intentional, enduring change - whether that’s trimming unnecessary costs or finding small, creative ways to save more in the long-term. With a little effort and some fresh thinking, you may just find that it's possible to spend less without feeling like you’re missing out!

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Disclaimer: This podcast contains personal opinions and is intended to provide educational information only. It doesn't relate to your particular financial situation or goals and is not financial advice or recommendations. Simplicity New Zealand Limited is the issuer of the Simplicity KiwiSaver scheme and investment funds. For product disclosure statements please visit Simplicity's website simplicity. kiwi.