Get ahead in your 30s

Your 30s is a great time to get your money on track, but how can you do it? Here are 7 easy tips.

7. Make a plan and goals

Think about what you’d like to achieve or be able to afford in the next year, five years or 10 years. Maybe it’s a house, overseas travel, or getting some decent savings behind you.

6. Sort your spending

Are you throwing away money on things like takeaways, or grabbing food on the go? Now’s a good time to start good spending habits. Food is one of the biggest budget killers, so try to cook more at home, bring lunch to work, and look for budget-friendly meals to cook.

5. Check your KiwiSaver fees

Fees eat into your hard-earned KiwiSaver money and reduce your balance. Check how much you’re paying in fees using the Sorted KiwiSaver Fund Finder and make sure you’re happy with what you’re paying.

4. Your first home

If buying a house is one of your goals, put plans in place to get there. If you have a home already, think about how you can pay off the mortgage faster. Maybe it’s paying off more each month, restructuring your mortgage, or shopping around for a better interest rate. See a mortgage broker or your lender who can offer suggestions on how to do this.

3. Progress your career

Earning more from an early age can put you in a good financial position, and will mean more contributions to your KiwiSaver account too. Make a plan and goal to boost your career and earnings.

2. Start a savings account

If you don’t have any savings, now’s a good time to start. Having some money in an emergency fund for any unexpected expenses can reduce stress. Aim to build up a few months’ worth of expenses, but start with a goal of $500. Store it somewhere where you won’t be tempted to spend it.

1. Check your KiwiSaver provider and fund

Research your KiwiSaver provider and fund type and check they are both right for you. If you’re not sure who your KiwiSaver money is with, you can call IRD. Helpful tools to compare include the Sorted KiwiSaver Fund Finder and Smart Investor websites. Make sure you’re getting good value for your fees, and find out if you prefer an active or passive investment style. It’s easy to switch KiwiSaver providers and funds. 

Correct as at November 2021. Pie Funds Management Limited is the issuer and manager of the JUNO KiwiSaver Scheme. Click here for our Product Disclosure Statement. Any advice is given by Pie Funds Management Limited, and is general only. It relates only to the specific financial products mentioned and does not account for personal circumstances or financial goals. Please see a financial adviser for tailored advice. You may have to pay product or other fees if you act on any advice. As manager of the Scheme we receive monthly fees that are determined by your balance and whether you are 13 years or over. We will benefit financially if you invest in our products. We manage any conflicts of interest via an internal compliance framework designed to ensure we meet our duties to you. For information about the advice we can provide, our duties and complaint process and how disputes can be resolved, visit All content is correct at time of publication date, unless otherwise indicated. Past performance is not a reliable indicator of future returns. Returns can be negative as well as positive and returns over different periods may vary. Please let us know if you would like a hard copy of this disclosure information.