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      <image:title>Home</image:title>
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      <image:title>Home</image:title>
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      <image:title>Home</image:title>
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      <image:title>Home</image:title>
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    <image:image>
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      <image:title>Home</image:title>
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      <image:title>Home</image:title>
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    <loc>https://ducksinarow.nz/blog</loc>
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    <lastmod>2024-07-25</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/597c2942e3df287cef5bceb1/1564372837344-HOJ17IALDM9E3Y397GLR/Ducks+in+a+Row+-+Digital+-+Generic+-+Banner.png</image:loc>
      <image:title>The smaller stuff</image:title>
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    <loc>https://ducksinarow.nz/blog/work-medical-policy</loc>
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    <loc>https://ducksinarow.nz/blog/2024/6/6/insurance-a-smart-financial-decision-or-waste-of-money</loc>
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    <lastmod>2024-07-30</lastmod>
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    <loc>https://ducksinarow.nz/blog/newparentfinancialadvice</loc>
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    <lastmod>2024-06-10</lastmod>
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      <image:title>The smaller stuff - I’m a new parent – what financial bits &amp;amp; pieces do I need to consider now? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://ducksinarow.nz/blog/buying-a-home-considerations</loc>
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    <lastmod>2024-06-10</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/597c2942e3df287cef5bceb1/d0b5fe0b-b67f-49ae-8e71-288fc7fb85d0/Property+Purchase+Icon.png</image:loc>
      <image:title>The smaller stuff - I’m buying my first home – Other than the mortgage, what else do I need to consider? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://ducksinarow.nz/blog/freemoney521</loc>
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    <lastmod>2024-06-10</lastmod>
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  <url>
    <loc>https://ducksinarow.nz/blog/2019/12/3/boomertips</loc>
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    <lastmod>2024-05-16</lastmod>
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  <url>
    <loc>https://ducksinarow.nz/blog/2022/9/21/times-are-tough-heres-some-of-our-top-tips-to-help-you-stay-in-control</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2024-05-16</lastmod>
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    <loc>https://ducksinarow.nz/blog/onlineinsurance</loc>
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    <priority>0.5</priority>
    <lastmod>2024-05-16</lastmod>
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  <url>
    <loc>https://ducksinarow.nz/blog/2018/4/3/usingmykiwisaver</loc>
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    <priority>0.5</priority>
    <lastmod>2024-05-16</lastmod>
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  <url>
    <loc>https://ducksinarow.nz/blog/compound-interest</loc>
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    <lastmod>2024-05-16</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/597c2942e3df287cef5bceb1/1564358650720-Z2JSXRQPTH7CPQ0TL7ZZ/Compound+interest+graphic+ducks+in+a+row-57.png</image:loc>
      <image:title>The smaller stuff - The Beauty of Compound Interest</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/597c2942e3df287cef5bceb1/1564358816137-ARHSW19XLZHI0WNYSB9F/Compound+interest+-+deposit+only+ducks+in+a+row.png</image:loc>
      <image:title>The smaller stuff - The Beauty of Compound Interest</image:title>
      <image:caption>Source: Money Smart Compound Interest Calculator</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/597c2942e3df287cef5bceb1/1564360409049-3MFTEEPX3MQGNDO026TG/Compound+interest+-+deposit+%2B+%2420+per+week_Compound+1.png</image:loc>
      <image:title>The smaller stuff - The Beauty of Compound Interest</image:title>
      <image:caption>Source - Money Smart Compound Interest Calculator</image:caption>
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    <loc>https://ducksinarow.nz/blog/2018/4/10/no-assets</loc>
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    <lastmod>2024-05-16</lastmod>
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  <url>
    <loc>https://ducksinarow.nz/blog/2020/8/21/what-is-a-financial-adviser-and-why-should-i-use-one</loc>
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    <priority>0.5</priority>
    <lastmod>2024-05-16</lastmod>
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  <url>
    <loc>https://ducksinarow.nz/blog/2018/6/26/if-i-get-a-serious-illness-will-the-government-fund-my-medication</loc>
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    <priority>0.5</priority>
    <lastmod>2024-05-16</lastmod>
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  <url>
    <loc>https://ducksinarow.nz/blog/recession</loc>
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    <priority>0.5</priority>
    <lastmod>2024-05-16</lastmod>
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  <url>
    <loc>https://ducksinarow.nz/blog/2020/3/2/changes-to-kiwisaver-you-should-know-about</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-03-02</lastmod>
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  <url>
    <loc>https://ducksinarow.nz/blog/2019/7/9/july-kiwisaver-changes</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-07-30</lastmod>
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  <url>
    <loc>https://ducksinarow.nz/blog/mortgage-basics</loc>
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    <lastmod>2019-06-17</lastmod>
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      <image:title>The smaller stuff - Mortgage Basics</image:title>
      <image:caption>This is a general example only, and does not take into account interest, inflation or repayments over time etc.</image:caption>
    </image:image>
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  <url>
    <loc>https://ducksinarow.nz/blog/kiwisaverchanges</loc>
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    <lastmod>2019-06-13</lastmod>
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  <url>
    <loc>https://ducksinarow.nz/blog/2019/3/21/toomuchtax</loc>
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    <priority>0.5</priority>
    <lastmod>2024-05-16</lastmod>
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  <url>
    <loc>https://ducksinarow.nz/blog/student-loan-overseas</loc>
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    <lastmod>2019-05-20</lastmod>
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      <image:title>The smaller stuff - What happens to my student loan if I go travelling?</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/597c2942e3df287cef5bceb1/1551335948499-TJOWH3NWJ6FGJ4TVX8O7/Student+loan+table</image:loc>
      <image:title>The smaller stuff - What happens to my student loan if I go travelling?</image:title>
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  <url>
    <loc>https://ducksinarow.nz/blog/voluntarycontributions</loc>
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    <lastmod>2019-05-10</lastmod>
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      <image:title>The smaller stuff - Freelancers – here’s how to make sure you’re still contributing to KiwiSaver.</image:title>
      <image:caption>Image 1</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/597c2942e3df287cef5bceb1/1550025499383-2F7YVBX8QTJP4MG9SH75/KiwiSaver+statement+details.JPG</image:loc>
      <image:title>The smaller stuff - Freelancers – here’s how to make sure you’re still contributing to KiwiSaver.</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/597c2942e3df287cef5bceb1/1550025619853-95AP388V2R73MH1SQK2B/ASB+kiwisaver+1.JPG</image:loc>
      <image:title>The smaller stuff - Freelancers – here’s how to make sure you’re still contributing to KiwiSaver.</image:title>
      <image:caption>Image 1</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/597c2942e3df287cef5bceb1/1550025720010-EYNVALJX0SGPETJJ0IOY/ASB+kiwisaver+2.JPG.png</image:loc>
      <image:title>The smaller stuff - Freelancers – here’s how to make sure you’re still contributing to KiwiSaver.</image:title>
      <image:caption>Image 2</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/597c2942e3df287cef5bceb1/1550025461935-EGXKAPUJVRCOVTYRKIMR/KiwiSaver+voluntary+contribution+ANZ.JPG</image:loc>
      <image:title>The smaller stuff - Freelancers – here’s how to make sure you’re still contributing to KiwiSaver.</image:title>
      <image:caption>Image 2</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/597c2942e3df287cef5bceb1/1550025897116-QT7P3WQPUBWE2VB6PSUS/BNZ+KiwiSaver+image+1.JPG</image:loc>
      <image:title>The smaller stuff - Freelancers – here’s how to make sure you’re still contributing to KiwiSaver.</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/597c2942e3df287cef5bceb1/1550025372597-9JKARZRDDGS088GKBS7T/ANZ.JPG</image:loc>
      <image:title>The smaller stuff - Freelancers – here’s how to make sure you’re still contributing to KiwiSaver.</image:title>
      <image:caption>Image 1</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://ducksinarow.nz/blog/2018/7/4/i-earn-more-than-i-used-to-but-it-feels-like-i-have-less-money</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-05-10</lastmod>
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  <url>
    <loc>https://ducksinarow.nz/blog/aussiesuper</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-05-10</lastmod>
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  <url>
    <loc>https://ducksinarow.nz/blog/2019/3/29/effective-kiwisaver-heres-what-you-need-to-know</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-06-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/597c2942e3df287cef5bceb1/1559861951511-6TN3FGAE9KER4NFTMGUL/Ducks+in+a+Row+-+Digital+-+Kiwisaver+graphic+copy.jpg</image:loc>
      <image:title>The smaller stuff - Effective KiwiSaver - Here's what you need to know.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://ducksinarow.nz/blog/2019/1/16/meet-kev</loc>
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    <priority>0.5</priority>
    <lastmod>2019-02-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/597c2942e3df287cef5bceb1/1547585181068-R3Y3U4IKGDDBHZ4RQ45D/IMG_0937.JPG</image:loc>
      <image:title>The smaller stuff - Meet Kev.</image:title>
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  <url>
    <loc>https://ducksinarow.nz/blog/everykiwineedsawill</loc>
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    <priority>0.5</priority>
    <lastmod>2019-05-10</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/597c2942e3df287cef5bceb1/1553823695002-GNA6JA6I9IYUQGLL5YJ6/Will+infographic.png</image:loc>
      <image:title>The smaller stuff - Why every Kiwi needs a Will.</image:title>
    </image:image>
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  <url>
    <loc>https://ducksinarow.nz/blog/financialfuture</loc>
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    <priority>0.5</priority>
    <lastmod>2019-05-10</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/597c2942e3df287cef5bceb1/1549574076125-RCAT63P5XG94RQ0IJEV2/Untitled+design+%2815%29.png</image:loc>
      <image:title>The smaller stuff - I’m in my early twenties, and I’ve decided to pay attention to my financial future. - - Jess</image:title>
      <image:caption>Co-Founder</image:caption>
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  <url>
    <loc>https://ducksinarow.nz/blog/kiwisavercontributions</loc>
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    <priority>0.5</priority>
    <lastmod>2019-05-10</lastmod>
  </url>
  <url>
    <loc>https://ducksinarow.nz/blog/2018/6/18/the-limitations-of-acc-and-how-kiwis-get-caught-out</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-05-10</lastmod>
  </url>
  <url>
    <loc>https://ducksinarow.nz/blog/2018/5/30/howsafeiskiwisaver</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-05-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/597c2942e3df287cef5bceb1/1527750280613-U3WST2DV32CJVRQIIEW6/Screen+Shot+2018-05-31+at+7.04.06+pm.png</image:loc>
      <image:title>The smaller stuff - Bank or specialist KiwiSaver provider - which is safer?</image:title>
    </image:image>
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  <url>
    <loc>https://ducksinarow.nz/blog/2018/5/21/underinsurednation</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-05-10</lastmod>
  </url>
  <url>
    <loc>https://ducksinarow.nz/blog/whatisducks</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-05-10</lastmod>
  </url>
  <url>
    <loc>https://ducksinarow.nz/blog/freemoney</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-05-10</lastmod>
  </url>
  <url>
    <loc>https://ducksinarow.nz/blog/2018/4/26/how-does-insurance-actually-work-everything-you-need-to-know-in-2-minutes</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-05-10</lastmod>
  </url>
  <url>
    <loc>https://ducksinarow.nz/blog/defaultkiwi</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-02-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/597c2942e3df287cef5bceb1/1524436524181-DGEDUBSQN7C6X0875HQK/Untitled+design+%282%29.png</image:loc>
      <image:title>The smaller stuff - Never picked a KiwiSaver provider?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://ducksinarow.nz/blog/2018/5/14/financialadviser</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-03-17</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/597c2942e3df287cef5bceb1/1526250417957-B92XJ3HF8OXZUBGCA1G5/Contents_Icon_Adviser.png</image:loc>
      <image:title>The smaller stuff - What is a Financial Adviser? And why is their help free?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://ducksinarow.nz/blog/2018/4/3/kiwisaverprovider</loc>
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    <priority>0.5</priority>
    <lastmod>2019-05-10</lastmod>
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  <url>
    <loc>https://ducksinarow.nz/blog/insuringyouself</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-05-10</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/597c2942e3df287cef5bceb1/1526856716838-ZH1LVJW7H07P5184I50B/Life_Icon.png</image:loc>
      <image:title>The smaller stuff - Insuring yourself</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/597c2942e3df287cef5bceb1/1526856255664-VO0L5OFQEB16VBIU9WT4/Medical_Icon.png</image:loc>
      <image:title>The smaller stuff - Insuring yourself</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/597c2942e3df287cef5bceb1/1526856564623-MECIBEDMDQDUE8TFX6YW/Trauma_Icon.png</image:loc>
      <image:title>The smaller stuff - Insuring yourself</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/597c2942e3df287cef5bceb1/1526855458642-0LK0XQHSB5365DL8UJ4J/Insure_Icon-02.png</image:loc>
      <image:title>The smaller stuff - Insuring yourself</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/597c2942e3df287cef5bceb1/1526855411678-NUTC51GKG19C3DEFVFLA/Insure_Icon-01.png</image:loc>
      <image:title>The smaller stuff - Insuring yourself</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/597c2942e3df287cef5bceb1/1526856506547-OTY4RNEO6C3HSMCT9S8X/Income_Icon.png</image:loc>
      <image:title>The smaller stuff - Insuring yourself</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://ducksinarow.nz/blog/category/Insurance+Education</loc>
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    <priority>0.5</priority>
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  <url>
    <loc>https://ducksinarow.nz/blog/category/Money</loc>
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