Here are six top tips from JUNO to help you get started.

1. Never be caught short. Set up a rainy-day fund, so you never get caught out when disaster strikes. Start with putting aside $50 or $100 a pay, and slowly build the account until you have enough to fix the car or go to the dentist. Trust me, you will love, love, love this account!

2. Auto save. When you have enough rainy-day money put aside, keep saving the same amount – this time into a savings account, as an automatic payment. You’ll be amazed how quickly it’ll grow. When you get to $1,000 it’s worth moving it into a fund that invests in the share market.

3. Tick the boxes. Take a list to the supermarket and cross off each item you buy. Don’t be distracted by impulse buys. Ticking boxes is so satisfying and saves you money.

4. Check your KiwiSaver. Have things changed and are you still in the right fund? Remember fees can take a big chunk of the returns you earn so pick one of the low-fee providers. Check the independent Sorted fees calculator for a guide.

5. Home loan health check. Are you still on a fixed rate, and how long do you have to run? It might be worth checking if it’s cheaper to switch banks and get a lesser rate. Check how much you might have to pay in break fees with this calculator from interest.co.nz.

6. Get a money coach. You might think you don’t earn enough to make it worthwhile, but a financial adviser can make an amazing difference to your life savings potential. Find one on www.financialadvice.nz.

7. Get smarter with money. If you feel that investment’s too hard, subscribe to JUNO and get clued-up on how it all works, in simple English. Or start following the Opes Partners Property Academy or Property Academy Podcast for property investment information and inspiration.

JUNO’s content comes from sources that JUNO magazine considers accurate, but we do not guarantee its accuracy. Charts in JUNO are visually indicative, not exact. The content of JUNO is intended as general information only, and you use it at your own risk.