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Smart Money Motoring
Smart Money Motoring offers practical NZ tips on vehicle finance, refinancing, insurance, warranties and smarter ways to manage vehicle ownership costs.


I Was Lucky to Learn About Money Early — Not Everyone Gets That Chance
Not everyone grows up talking about money. I was lucky enough to — and that early knowledge helped shape my financial future. Now, after 20 years in finance and insurance, I love passing what I’ve learned on to others.

Adrianne Galvin
Sep 74 min read


Is Financing Your Car on Your Mortgage Actually Costing You More?
Should you put your car on the mortgage? Adrianne Drives Smarter compares the total cost of vehicle finance with adding a vehicle purchase to a home loan.

Adrianne Galvin
Sep 75 min read


Is It Time to Refinance Your Vehicle? | Vehicle Finance NZ
Your vehicle finance may have suited you when you bought your car — but does it still suit you today? With interest rates moving and a balloon payment potentially approaching, now could be a good time to review your options.

Adrianne Galvin
Sep 58 min read


The 7-Seat Boot Test: How Much Space Is Really Left?
How much boot space is really left when all seven seats are up? I climbed into the Nissan Patrol, Nissan X-Trail and BYD SEALION 8 to put their 7-seater boot space to a very real-world test.

Adrianne Galvin
Sep 15 min read


Balloon Payments Explained: Are They Right for You? 🎈🚗
Considering a balloon payment on your vehicle finance? Learn how balloon payments and Guaranteed Future Value (GFV) work, why they can reduce regular repayments and what to consider before choosing the right structure for you.

Adrianne Galvin
Aug 159 min read


Smart Money Motoring: Smarter Ways to Fund, Protect & Own Your Vehicle in NZ 🚗💰
Smarter motoring isn’t just about finding the cheapest car. Explore practical tips on vehicle funding, repayments, balloon payments, refinancing, insurance and ownership to help you make more informed vehicle decisions.

Adrianne Galvin
Aug 147 min read
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