Your Money and careers writer for the NZ Herald
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Why get-rich-slow strategies often work - Diana Clement
OPINION: People chasing quick bucks don't know how experienced 'boring' fund managers are.
Diana Clement: Would you pay for goods with your face?
OPINION: Criminals are already finding ways to get around facial recognition security.
Diana Clement: How to boost your returns amid falling term deposit rates
OPINION: The OCR cut bringing lower returns is the other side of the coin.
Diana Clement: Doom Spending and Stealth Wealth? The in-trend financial jargon
OPINION: The creation of new financial terms has gone into overdrive.
Diana Clement: The wealth destroyers you should be aware of
OPINION: The behaviours that sabotage your chances of building savings.
Diana Clement: How to avoid being caught out by NZ Super rules when retiring overseas
OPINION: Lessons from readers.
Diana Clement: How to get NZ Super while living overseas
There are special rules for going to Australia and the UK.
Diana Clement: Getting back into work after a break
OPINION: Tips to help you not sell yourself short.
Diana Clement: How to beat the buy now, pay later debt trap
OPINION: BNPL can lead vulnerable Kiwis into impulsive buying and debt.
Diana Clement: How to handle your child’s first Eftpos card
OPINION: Arming your child with their first Eftpos or debit card is a scary move.
Diana Clement: How ethical are your KiwiSaver investments?
OPINION: KiwiSaver funds have quietly invested in industries that cause significant harm.
Diana Clement: How to compare KiwiSaver funds
OPINION: It’s important to understand the pitfalls of switching KiwiSaver.
Diana Clement: The pitfalls of travel insurance for older travellers
Travel accidents can be expensive at all ages but insurance tends to rise in cost.
Diana Clement: How neurodiversity impacts financial decisions
OPINION: Financial services providers need to consider their neurodiverse clients' needs.
Diana Clement: How apps are teaching kids about money
OPINION: New digital banking apps are revolutionising kids' financial learning.
Diana Clement: Open banking is getting closer - what you need to know
OPINION: Bank customers in particular need to educate themselves about what this means.
Diana Clement: Where there is a will there is a way
OPINION: You don’t need to be rich to leave a little something to charities when you die.
Diana Clement: Where to go when you have a complaint
OPINION: There are free services in NZ that can help with all manner of complaints.
Diana Clement: How to stop shame tempting you into poor financial choices
Many people feel the need to borrow to get the latest phone to keep up with their friends.
Diana Clement: How a small nudge could give a big boost to your finances
OPINION: Nudging isn’t about forcing us to do things. It’s about how choices are framed.
Diana Clement: Comfort around money is vital to financial wellbeing
OPINION: Managing money well can be key to financial wellness.
Diana Clement: Deep fakes and the new frontier in scams
OPINION: Deep fakes are already fooling real humans.
Diana Clement: Can women overcome the motherhood penalty?
OPINION: Women have to ask the hard questions to get change.
Diana Clement: Tips for teaching your teens not to spend
OPINION: Every child and young adult is different with money.
Diana Clement: What you need to know about the right to repair movement
OPINION: Who hasn’t thrown out a perfectly good item because it couldn’t be repaired?
Diana Clement: Preparing you and your KiwiSaver for a market fall
OPINION: Never say never when it comes to predicting market declines.
Diana Clement: The pitfalls of travel insurance if you want to ride a scooter overseas
OPINION: Read this before you hire a motorcycle or moped on holiday.
Diana Clement: Managing money using digital budgeting
OPINION: A cluster of new and updated budgeting apps have launched in New Zealand.
Diana Clement: Caring for old people and their money
OPINION: Financial exploitation of older people is a big problem in our country.
Diana Clement: Is crypto investing taxable?
OPINION: Crypto investors need to keep on top of their records.
Diana Clement: Is crypto just another 'bubble'?
OPINION: What to look out for when dealing with cryptocurrencies.
Diana Clement: Why a digital disruptor could offer a better deal than your bank
OPINION: There's a growing number of digital accounts available from disruptors.
Diana Clement: Check under the bonnet, you may have a KiwiSaver tax leakage
OPINION: Why it's not just fees and returns you need to keep an eye on.
Diana Clement: How to bank better so your money goes further
OPINION: Banks make billions from us. So why not get a bit back?
Diana Clement: Are you guilty of ‘harmless’ fraud?
OPINION: 'Harmless' fraud is a crime we all pay for.
Diana Clement: Tax and the gig economy
OPINION: Knowing your tax obligations when it comes to side hustles.
Diana Clement: Why managing your money on autopilot will cost you
OPINION: Don't go on autopilot with your money.
Diana Clement: How to find extra cash to beat inflation
OPINION: Inflation is biting - so how can you combat it?
Diana Clement: Insurance snag - when is an e-scooter a motor vehicle?
OPINION: Is your electric scooter or bicycle covered by your contents insurance policy?
How the pandemic changed the rules of personal finance
OPINION: Four years ago, no one considered the toll Covid-19 would take.
Diana Clement: Rise of AI changing the way we live
AI technology is going to impact the way we deal with money in the near future.
Diana Clement: Make 2024 the year of the better credit rating
OPINION: Cleaning up your credit is a good place to start new year.
Diana Clement: How to spend nothing for a month
OPINION: Avoiding dining out or ditching single-use shopping items are just the start ...
Diana Clement: How to slash your grocery bill
OPINION: Five of the top columns of the year from Diana Clement.
Diana Clement: Lessons I learned in 2023
OPINION: Every year there are new concepts and jaw-dropping moments.
Hero to zero? Buyers cautious about Auckland's stunning cliff-top homes after slips
Property values took a hit as a result of extreme weather events.
Diana Clement: Beware fake Boxing Day sales
OPINION: The best bargain is often the one you don’t buy.
Diana Clement: What to do if you've maxed on credit
OPINION: ‘Tis the season to be maxed out on credit.
Diana Clement: Why you shouldn’t buy joke Christmas presents
OPINION: Sudoku toilet paper anyone? Scented candle?
Diana Clement: Biggest money mistakes people make when Christmas shopping
OPINION: Every year, retailers have a field day regarding our psychology at Christmas.
Diana Clement: Giving the gift of financial literacy
OPINION: Board games can help foster financial skills.
Diana Clement: The pain of paying for aged care
OPINION: A very basic room in a care facility can cost $1350 or more a week.
Diana Clement: Is that really saving money or just confirming what you believe?
OPINION: What to look out for.
Do meal kits really save you money?
Meal kits are a convenient, fast way to produce a tasty dinner. But what about the cost?
Diana Clement: How to DIY your KiwiSaver
OPINION: There are a few providers who make this product available.
Diana Clement: How to get off the mortgage hamster wheel
OPINION: Slowly paying the mortgage off has become a bit of a forgotten art.
Diana Clement: Talk isn’t cheap - how to pay less for your phone
OPINION: It’s always worth comparing prices.
Diana Clement: How green are your investments?
OPINION: Companies may have a net-zero target. But is that target in 2025 or 2070?
Diana Clement: How to earn more and spend less
OPINION: Make changes within your abilities and financial situation.
Diana Clement: Why holiday jobs aren’t just about the money
OPINION: The right one can be a life-changing experience for students.
Diana Clement: The legal minefield of the bank of mum and dad
OPINION: For many families, it works a treat.
Diana Clement: How much are you paying in 'lazy tax'?
OPINION: Banks make money from our complacency.
Diana Clement: How to make your money go further on holiday
OPINION: Tips on accommodation, transport and insurance.
Diana Clement: How to get the best deals on flights
OPINION: International travel is affordable again; here's how to save some money.
Diana Clement: Don’t replace it, repair it
OPINION: New Zealanders grew up repairing everything, what happened?
Diana Clement: How to make the most of free money advice
Opinion: Banks aren’t always the big bogeyman that some feel they are.
Diana Clement: A high interest rate means more bang for your savings buck
OPINION: Term deposits are currently quite generous.
Diana Clement: How to get better with money
OPINION: Focus on your finances and come out the other side in better shape.
Diana Clement: ‘I can’ are two of the most powerful words
OPINION: Too often we limit ourselves by thinking “I can’t”.
Diana Clement: How to streamline your supermarket spending
OPINION: Now is the time to think longer and harder about the food we buy.
Diana Clement: A matter of life and death - how to pay for your own funeral
OPINION: Even just being cremated can cost a few thousand dollars.
Diana Clement: Why can’t banks be open about open banking?
OPINION: They have it in Australia and the UK but why not here?
Diana Clement: The perils of having too many eggs in one basket
OPINION: Best to take a hit on 10 per cent of your savings than 100 per cent.
Diana Clement: Build an emergency fund to avoid your next financial crisis
OPINION: It will take a lot of stress out of life.
Diana Clement: Avoid paying those sneaky fees
OPINION: Little charges really add up when it comes to personal finances.
Diana Clement: Power-saving hacks to stay warm this winter amid cost of living crisis
OPINION: Are your heating, insulation and ventilation up to scratch?
Diana Clement: Wise up: what you should know about travel debit cards
OPINION: Don't let spending money be a stress factor on holiday.