With interest rates at record lows, global trade wars raging and a continuous stream of dire predictions about the economy, it's more difficult than ever to make smart decisions about how to spend your money.

So, in what's become an annual tradition, we've invited Tom Hartmann, from the Commission for Financial Capability, into the newsroom for Money Week to answer the budgeting questions that keep you up at night.

Whether it's about KiwiSaver, your mortgage or splashing out on that flash new car, Hartmann will run you through the pros and cons and give you a sense of what you need to do to prepare for the future - and hopefully guide toward a peaceful night's sleep.

Post your questions below, and wait for a response to appear in the live chat.