What not to spend your money on if you want to get ahead – Diana Clement
Furniture, electronics, recreational equipment, holidays, weddings. Borrowing for purchases creates a double hit because you pay for an…
How AI can and can’t help you with your finances – Diana Clement
It’s very good at helping you create rules for your financial situation. Such as: No purchase over $x…
Retirement planning guide: Pros and cons of downsizing your family home – Diana Clement
The promise The Financial Services Council (FSC) released research in 2017 surveying 2200 people, finding that 54% of…
How to protect your finances if you are at risk of getting dementia – Diana Clement
Once your capacity reduces, managing day-to-day money can become difficult. You might forget to pay bills, or lose…
How university students can avoid financial chaos – Diana Clement
The results added up in black and white can be an eye-opener and the first step to financial…
How to declutter your financial life – Diana Clement
Now’s the perfect time to check phone plans and utility bills. Are you still paying for services you…
The biggest money lessons from 2025 – Diana Clement
I’ve written three follow-up articles to one about NZ Super and retiring overseas. I learned that readers can’t…
Planning to return to NZ to retire? How to qualify for NZ Super – Diana Clement
Currently to qualify for NZ Super, most people need to have lived in New Zealand for 20 years since turning 20 if…
Where to find the best tips to live a frugal life – Diana Clement
The Happy Saver Ruth The Happy Saver covers a wide range of personal finance topics, but a recent…
How to prepare financially for aged care – Diana Clement
The first thing to know is that your relative must be assessed as needing long-term care. The needs…
The tax and legal minefields to be aware of when retiring overseas – Diana Clement
Tax residency: The invisible trap New Zealand Super portability and health insurance is mind-boggling, but wait until you…
How to plan for retiring overseas – Diana Clement
You need a visa, health insurance, and your investments. And read my two articles about New Zealand Superannuation…