Psychology of spending: How to create good spending habits and avoid keeping up with the Joneses – Mary Holm
I’m not saying that applies to every purchase. We can all look back on certain holidays or concerts…
How much insurance do you really need? – Mary Holm
The woman had to cope not only with grief, and with children devastated by the loss of their…
How to protect an inheritance from break-ups – Mary Holm
I would think about it as a retirement fund, which would immediately benefit you because you would no…
KiwiSaver v wealth manager: Who’s best to manage our $1m nest egg? – Mary Holm
A: There are two unusual elements in your letter: you’re giving up home ownership in retirement. And your…
How to tell good debt from bad debt before you borrow to invest – Mary Holm
A: I haven’t read anything by Thomas Anderson. But I note that he has an MBA from the…
Should I pay down my debt or invest in share funds? – Mary Holm
I have half-heartedly invested before, but I always end up cashing out when it goes up a bit,…
I’m worried about the AI bubble bursting, should I switch out of growth funds? – Mary Holm
At least those were the numbers when I wrote this! There is, indeed, always the chance of a…
I’ve been investing in gold since I was 9, surely it’s a good bet? – Mary Holm
A: Well done for investing steadily throughout your life. It’s wonderful how that can build up. And your…
We spent all our savings in early retirement and now regret it – Mary Holm
We also had problems with the house – so many water leaks – because the pipes were old.…
Why suspending KiwiSaver contributions can make sense for top‑income workers – Mary Holm
A: Government – and would-be future governments – please note: KiwiSaver now offers some workers no incentives at…
Is it a good idea to sell our house and rent in retirement? – Mary Holm
I’m not sure whether they sold their home to fund the fun, but the basic idea is sort…
Renting out your bach? Beware the tax trap that could cost you dearly – Mary Holm
Last week, a reader suggested this as a way a retired couple could generate some cash. But, as…