Unable to cut back/essential
- Rent – 90%
- Council rates – 89%
- Mortgage – 86%
- Vehicle insurance – 69%
- House and/or contents insurance – 69%
Insights designed to help you better understand public sentiment, from macro trends to behaviours and attitudes towards key interest areas.
New Zealanders' confidence hit a turning point in March, with unprecedented numbers now expecting conditions to get worse.
Find out moreThe majority of New Zealanders remain negative about the direction the country is headed.
Find out moreFebruary-March saw a significant increase in the levels of stress and anxiety.
Find out more38% of Kiwis are spending on essentials with little to nothing left to save.
Find our moreDownload collated versions of our findings as well as our latest special reports focussing on specific topical issues.
Find out moreSome significant shifts are seen in March when it comes to Kiwis’ 12-month outlook, with a significantly higher proportion of them claiming they expect things to get worse in the next 12 months – the highest proportion we’ve seen to date. This corresponds to a notable decrease in those who believe things will remain ‘about the same’.
"I feel optimistic about the future."
"Moving country for more opportunity."
"I start a fresh new job opportunity and I’m really excited."
"Prices going up, harder to save."
"Rise in fuel prices which has a major impact to the industry the business operates in."
"Global conflicts, the economic conditions, the government's policies."
New Zealanders started the year in a positive note, with ‘right direction’ increasing to 46% in January and ‘wrong direction’ dropping to 54%. However, March saw the opposite with just under 70% of Kiwis thinking the country is headed in the wrong direction – the highest proportion we’ve seen to date.
The New Zealand economy is now the leading concern, having increased significantly since January, alongside rising concerns about the country’s leadership and politics.
Kiwis began the year on a positive note, with all top five “right direction” measures improving in January. However, March has brought notable declines, especially in perceptions of work or business, personal financial situations, and New Zealand’s relationships with other countries.
January saw New Zealanders feeling happy and relaxed, with very low levels of stress, frustration or anxiety. Unfortunately, with a backdrop of rising geopolitical tension and rising cost of living exacerbated by fuel, February-March has seen a significant increase in the levels of stress and anxiety with stress the leading emotion in March.
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Women especially are demonstrating higher levels of stress, anxiety and frustration.
Impacts are more pronounced amongst younger New Zealanders/Kiwis, while those of retirement age continue to be relaxed and optimistic.
Here are the key spending categories New Zealanders consider essential and are unable to reduce, along with the top categories they would cut back on first for the month of October.
The latest results show that 38% of Kiwis are spending on essentials with little to nothing left to save - the highest proportion we’ve seen in the past couple of years.
Inflation’s impact on Kiwi households has remained relatively stable overall, however, the share of households reporting no impact has halved since December.
Looking ahead to 2026, just under 60% of Kiwis feel confident about their ability to meet their financial needs.
Cost of living dominates Kiwi concerns, with economic pressures far outweighing all other issues.

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In this issue we ask Kiwis about their perceptions and experiences of getting health advice in New Zealand.
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A rolling compilation of monthly findings from January 2025 onwards.
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A rolling compilation of monthly findings from July 2024 onwards.
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We asked New Zealanders what their plans were for summer.
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We asked New Zealanders about their holiday spending and priorities for 2024.
Find out moreMind & Matters is designed to help business and leaders better understand public sentiment. From macro trends to behaviours and attitudes towards key interest areas, such as such as cost of living, personal finance, future outlook, wellbeing and more, Mind & Matters is your comprehensive check-in on the state-of-mind of the New Zealand public.
In April 2020, in the midst of a pandemic lockdown, Perceptive and Sapien built the first Covid-19 Tracker to help businesses and leaders better understand the hearts and minds of Kiwis as we experienced this unprecedented event.
Fast forward to 2023 and the world—and New Zealand—continues to experience change on multiple fronts, from rising inflation to the rise of eCommerce and generative AI. With this in mind, Perceptive and Sapien have taken the best of our Covid-19 tracker produce this comprehensive tracker that explores what Kiwis think, feel and believe in relation to some of the most topical and challenging issues of today.