Issy’s top 3 financial habits for Kiwi in 2026

So, we asked her: What financial habits should people focus on in 2026?

Here’s what she said..

1. Do a new year financial check-in – no matter what

“Life doesn’t stay the same, and your finances shouldn’t either”

Those who took time for a simple review were better prepared when life shifted – whether it was a job change, a new baby or the rising interest rates.

Here’s what Issy suggests reviewing each year:
Does your insurance still reflect your current life stage?
Is your mortgage structure still right for your goals?
Is your KiwiSaver fund aligned with your retirement timeline?

“A few small tweaks can go a long way, it’s not about overhauling everything – it’s about staying aligned with where you’re at.”

2. Ask “What if?” before making big decisions

Issy’s second habit is all about thinking ahead – especially before committing to major financial choices.

“The families who coped best last year weren’t lucky. They were prepared – they’d already asked the tough questions: What if rates rise again? What if I get sick? What if I need to support a loved one unexpectedly?”

Her rule of thumb: Consider three scenarios before any big decision – best case, realistic case, and challenging case.

“If your plan only works in the best-case scenario, it’s time for a chat.”

3. See your adviser as a partner

Issy’s final tip? Stay connected.

“I always tell my clients – don’t wait until there’s a problem. Let’s keep the conversation going.”

The clients who stayed in touch, updated their adviser on life changes and asked questions, even the small ones – were more confident and more in control.

“Your adviser can only help with what they know – keep them in the loop and we can help you spot opportunities or risks early.”

Want to make these financial habits part of your 2026?

Whether you’re reviewing your cover, rethinking your mortgage or planning for the long term, your Enva adviser is here to help.

Get in touch today!
hello@enva.co.nz
0508 287 672