New Zealanders can save hundreds yearly by switching insurance, cutting energy use, dropping unused streaming services, and using a free tool to find cheaper electricity plans.

A new report from Consumer NZ outlines four practical ways for New Zealanders to save money in 2026 amid ongoing cost-of-living pressures. Switching car insurance could save up to $1,680 annually by comparing providers, increasing excess, or paying upfront. Reducing home energy use—such as setting heat pumps between 19°C and 21°C, cleaning filters, using cold water for laundry, shortening showers, and unplugging devices—can save hundreds yearly. Cutting unused streaming subscriptions and rotating services monthly may save $240 annually. Using Consumer NZ’s free Powerswitch tool to switch electricity plans can save an average of $350, with nearly 95% of users finding cheaper rates. These small, manageable changes can lead to significant annual savings.