New year energy fades fast, but a simple money habit can outlast every resolution. We’re laying out a clear, no-fuss way to track net worth so you can see progress in black and white and make better choices week by week.
We start with the basics: assets minus liabilities, done honestly and without fluff. You’ll hear how to list only the big, easy items—home, mortgage, cash, KiwiSaver, Sharesies—while skipping the noise that slows you down. We dig into realistic valuations, why your car is worth less than the purchase price, and how to treat jewellery and collectibles without inflating your numbers. Then we map out a rhythm you can keep: update your sheet on the first of each month or each season, watch the line across the quarter, and use the trend to guide your next move.
From there, we translate the numbers into action. If the line dips, it’s a signal to review spending leaks, Afterpay cycles, or credit card creep. If it climbs, we show how to build on that momentum by nudging KiwiSaver contributions, accelerating debt repayments, and keeping your list short for consistency. Along the way, we share candid examples and a simple framework that prioritises clarity over perfection. This is not for a bank or a mortgage application; it’s for you—your confidence, your goals, and your plan to make 2026 the year of measurable growth.
Set up a one-page sheet or a whiteboard, track the big numbers, and read the trend with a clear head. Subscribe for more practical money tools, share this with someone who needs a fresh start, and leave a review to tell us the first change you’ll make this month.
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