Spendle blogCalm, practical money guides for New Zealanders. No jargon, no shame, just clear help with budgeting, saving and getting mortgage ready.https://spendle.co.nz/en-nzHow to find money you didn't know you were spendinghttps://spendle.co.nz/blog/how-to-find-money-you-didnt-know-you-were-spending/https://spendle.co.nz/blog/how-to-find-money-you-didnt-know-you-were-spending/A gentle, no-shame walk through the quiet leaks in most New Zealand budgets, from forgotten subscriptions to Buy Now Pay Later, and how to gently plug them.Tue, 02 Jun 2026 00:00:00 GMTEveryday moneyThe Spendle teamWhat NZ banks look at when you apply for a mortgagehttps://spendle.co.nz/blog/what-nz-banks-look-at-for-a-mortgage/https://spendle.co.nz/blog/what-nz-banks-look-at-for-a-mortgage/A calm, plain-language guide to how New Zealand banks assess a home loan, from income and living expenses to liabilities, credit history and your deposit.Tue, 12 May 2026 00:00:00 GMTBuying a homeThe Spendle team