u/Creative-Gift3441

For those who freelance, contract, or run a small business in NZ, how do you handle money movement after payments come in?

For example:

- When an invoice is paid, do you move a percentage into a tax/GST account?

- If you take a commission or fee, do you manually split that out and forward the rest?

- Do you split income into bills, owner pay, savings, or GST buckets?

- Do you keep a separate bills account topped up for upcoming direct debits?

- Do you batch these transfers weekly/monthly, or do them as payments arrive?

I’m curious what people actually do in practice.

Do you use separate bank accounts, spreadsheets, accounting software, reminders, or just handle it manually when you remember?

And would you trust automation for any of this, or would you prefer approval/reminders only?

For people in NZ who budget across multiple bank accounts or banks: what money movement do you still do manually after payday or after transactions?

For example: moving money between banks, splitting pay into bills/savings/spending, setting aside tax, topping up KiwiSaver, sweeping spare change, or tracking subscriptions.

I’m curious where existing bank automatic payments/rules are enough, and where they fall short.