Don’t have a budget? – you’re not alone. Many Kiwis avoid the dreaded “b” word, believing that budgets stop you having fun with your money.

But the secret to really enjoying the things we buy, is knowing we’ve got the important stuff covered – and that’s where a budget comes in.

Are you like many New Zealanders who don’t have a budget?

AMP Managing Director Blair Vernon offers tips to help you enjoy spending, while ensuring you have the important stuff covered.