This is the one-stop reference book for every New Zealand household. Whether you have a little or a lot of money, it makes sense to manage your money as effectively as possible; to put in place - and action - a plan which covers everything from drawing up an everyday budget to making provision for your future. As well as providing basic information and advice to help with money-related decisions and choices, Financial Secrets also summarises pertinent points of law in areas that sooner or later will touch the lives of every New Zealander. The better you can manage your money, the more choices and opportunities become available to you.