'I don’t shop a lot in New Zealand, but when I go overseas all bets are off and I can go a little wild.'

'I'm forever logging into my banking app and robbing Peter to pay Paul.'

'Leave my coffees alone!'

'The only child I am responsible for is myself.'

'Moving here drained my savings soooo much, so for now I'm back to basics.'

'Five words to describe my financial personality: What will future me think?'

'My clothing expenditure is commensurately low.'

'I would only consider homeownership if housing costs remained below 30% of my gross income and still allowed me to maintain consistent retirement investing.'

'I watch lots of travel YouTubes and do envy those staying in five-star hotels .... I don't think I'd ever want that to be my lifestyle, but wouldn't mind trying it out.'

'I don’t take my eye off the till display at the checkout and always get a receipt.'

'A decent flat white costs $9-10 here, and even then is but a pale memory of Coffee Supreme or People’s.'

'I also despise paying for free services. My partner took over my Spotify one day to get rid of the ads because I was determined not to pay.'

'Five words to describe my financial personality: Blindly fumbling in the dark.'

'I'm not sure if the pension will still be around when I retire in 20+ years time, so I would like to build up a reasonable nest egg.'

'I promised myself this was going to be the year I finally committed to cooking. Hasn’t gone well so far.'