Pamflitt, Hawera.

Savings first! I make it a rule to buy one Bonus Bond for 20.00 every time a regular payment arrives in my account. This builds up quickly and produces some income through prizes some of which can be a quite decent amount. This can be done online and the amount deposited is always available if needed – with a bit of planning – but not as readily as a bank account so you tend to leave it there.