It seems ironic, doesn’t it – just when we finally attain ‘senior’ status (along with all the delicious free time that goes with it), we often find ourselves watching our wallets more closely than ever. The rising cost of living, especially here in New Zealand, means many retirees are looking for smart ways to stretch their dollar without sacrificing lifestyle.
That’s where our Super Stretcher series comes in – a collection of practical articles packed with tips to help make your superannuation (and your budget) go further. Whether you’re keen to reduce everyday expenses, start a side hustle, or simply gift more thoughtfully, there’s something here for every savvy saver.
Here’s a look back at our most popular articles in the series – plus a few new, timely ideas to help you keep more cash in your pocket.
1. Make Your Super Go Further
Part One introduces the concept of everyday ‘super stretching’ – with golden tips for managing your spending in areas like food, utilities, and transport. From switching to free community events to reviewing your power provider, small changes really can add up.
In Part Two, we dive deeper into budgeting basics – and explore the impact of planning ahead, from grocery lists to insurance reviews.
2. Budgeting for the Long Game
This guide is ideal for those approaching or newly into retirement. It offers sound advice on how to forecast your financial future – and how to balance enjoyment now with sustainability later. Spoiler alert: saying “yes” to fish and chips on the beach doesn’t mean saying “no” to future security.
3. Make Your Home Work for You
In “Budgeting on the House”, we explore creative ways to make your biggest asset – your home – work harder for you. From boarders and house-sharing to downsizing, there’s more than one way to turn bricks and mortar into financial breathing room.
4. Side Hustles for Seniors
Who says earning stops at retirement? This popular piece looks at side gigs suited to seniors, whether it’s pet sitting, tutoring, freelance work, or turning hobbies into income. With flexible hours and little-to-no start-up costs, the options are more varied than ever.
5. Gift Giving on a Budget
Special occasions don’t need to break the bank. Here, we explore thoughtful and budget-conscious gift ideas – from handmade treats to time-based “experience” vouchers that show love without the hefty price tag.
6. Spend Smart to Save Big
It may sound counterintuitive, but this article outlines how spending strategically – on things like insulation, preventative health, or energy-efficient appliances – can save serious money in the long term.
Fresh Tips for 2025 and Beyond
Four years on, New Zealanders are still navigating high food costs, housing pressures, and increased utility bills. Here are a few updated ways to stretch your super even further:
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Gold Card Hacks: Don’t underestimate your SuperGold Card! Beyond free off-peak travel, many local retailers and services offer senior discounts – from optometrists to cafes. Always ask!
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Bulk Buy, Local Style: Farmer’s markets and co-ops can offer serious savings if you’re willing to buy in bulk and share with a friend or neighbour. Freeze what you don’t use straight away.
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Go Digital for Deals: Embrace the tech! Online tools like PAK’nSAVE’s Stickman Deals, First Table (for dining out), and Neighbourly for local freebies or trades can save you a bundle.
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Community Power Discounts: Some regional energy trusts (like the one in Taranaki) offer annual rebates or community discounts. Check with your provider – you may be missing out on local perks.
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Library Lifesavers: Local libraries now offer so much more than books – free streaming, courses, magazines, and tech help. A huge entertainment and learning resource for zero dollars.
Retirement is your time – and with a little planning, it doesn’t have to come at a cost to your lifestyle. Whether you’re tightening your budget or just want to spend smarter, the Super Stretcher series is here to help you make the most of what you’ve got.
Got your own savings tip? Share it in the comments!
