I opened my email inbox this morning to find a raft of personal finance news from around the world.
But there was one which stood out the most for being simple and yet it could make a big impact on your life.
Telegraph writer Andrew Oxlade has put together a list of the seven rules he would follow if he had just one day to set up his personal finances.
Read also:
• Ten ways to beat the tax man
• Love and money - should you confess your spending?
You can see his list here.
Here's an adapted version for Kiwis:
Step 1
Make a will.
Step 2
Pay off your credit cards and loans. Then close the accounts: this is the most expensive debt for most of us.
Step 3
Set term life insurance if you have a family to support. Shop around to get the best deal.
Step 4
Join KiwiSaver and put in at least $1043 per year to ensure you get the maximum tax credit from the government of $521. That's $521 of free money from the government every year until you turn 65 (or they change the rules).
Step 5
Put aside emergency savings to allow you to live for up to six months should you lose your job or face any other event which forces you to face a sudden loss of income.
Step 6
Buy a house if you want to live in a house and can afford it.
Step 7
If any of this confuses you, or you have something special going on (retirement, tax issues) get professional financial advice from a reputable adviser.