We run a website that gives Kiwis step-by-step guides on how to get ahead financially e.g. paying-off short-term debt faster, smarter ways to budget, saving up for spending rather than taking on debt, paying-off your home loan faster, preparing for financial shocks and so on.

Too many people and households are stuck in circles of debt. This isn’t good for them or the country and we genuinely want to change that.

Many people don’t know what to do, so end up doing nothing. Often, people only need to do a little bit regularly to make a change. We want and believe that we can help.

The company was founded in 2008. There have been a couple of name changes since then and it’s only since the start of 2019 that any real marketing effort has been made.

Many people don’t feel good about money. They are scared of it and don’t want to talk about it. Our goal is to change this by addressing the common feelings of frustration and anxiety towards money. This is a good foundation for empowering people to take action to improve their financial situation!

A month-by-month subscription. Plus, we earn a commission from our product partners for referrals.

Nearly everyone needs help with their finances at some stage. Money skills need to be learned … but they aren’t taught at school and seldomly at home, so most people learn via the ‘school of hard knocks’ and get burned along the way.


It’s a privately-owned company with a handful of shareholders. All owners and staff are NZ-based.

After over 20 years in the home loan sector co-founder and current CEO, Tracey Hunter saw too many people with poor financial knowledge making poor decisions. She decided to do something about it.

We have a number of Journeys to help with kiwi’s most common financial problems and goals. A Journey is a secure, online series of small steps that can be saved, edited, customized and completed later.

Traditional budgeting tools have a retrospective view i.e. “how did I go last month?” and for that reason often fail. We take a more assertive and real-time approach. It works really well for people who are serious about sticking to a budget.

People of all income levels get caught out by large bills resulting in having to take on debt. These could be things like car repairs, start of school year costs, a rates bill and so on. Our website helps people recognise and prepare for these events.

They allow you to easily adjust financial elements so you can see the impact of making changes to such things as interest rates, loan terms, savings and spending.

No. The website itself is about awareness, knowledge and empowerment. However, we do partner with financial service and product providers that users can connect with via our website, and they can provide advice.

Yes. We have blog posts and easy to read eGuides that anyone can access. Access to Journeys is by paid month-by-month i.e. not on fixed-term contracts.

It is kept completely private and secure, including PII (Personally Identifiable Information) with bcrypt and industry standard encryption.

NOTE - the Manage My People tool allows users to share their information with a financial service or product provider, if they choose to do so.

No, that’s not what we do. However, we can provide connections to our carefully chosen financial product partners. They will provide you with advice and/or product quotes.

Yes. We have made it easy for you to share your information with 1 or more of our partner advisors.

No. We provide an easy-to-use self-help service. If users need financial advice, they can easily connect with 1 or more of our partners.

There is plenty of content that can be accessed for free, however Journeys can only be accessed by paid month-by-month subscription at $14.95/month i.e. we don’t offer fixed-term contracts.

No. We don’t offer fixed term contracts. You pay month-by-month for as many months as you wish.

Yes. Financial wellbeing is closely connected to a person’s physical and mental health, and their work performance. Additionally, there is a trend towards employers becoming more responsible for their employees overall wellbeing, so, Love My Money is very well suited to employee benefit programmes. Please feel free to contact us about this.