Latest fromPersonal Debt
![How to kill debt without selling that classic car or treasured artwork - Mary Holm](/pf/resources/images/placeholders/placeholder_l.png?d=793)
How to kill debt without selling that classic car or treasured artwork - Mary Holm
OPINION: How to balance debt repayment and investment growth in NZ.
![When should you pay off the mortgage, and when should you invest?](/pf/resources/images/placeholders/placeholder_l.png?d=793)
When should you pay off the mortgage, and when should you invest?
OPINION: There are advantages and disadvantages regarding this perennial question.
!['I did this to myself': How she spiralled into $8400 debt and insolvency](/pf/resources/images/placeholders/placeholder_l.png?d=793)
'I did this to myself': How she spiralled into $8400 debt and insolvency
She's speaking out to warn others of the dangers of impulse shopping and ignoring debt.
![BNZ cuts some home loan rates after rivals make moves](/pf/resources/images/placeholders/placeholder_l.png?d=793)
BNZ cuts some home loan rates after rivals make moves
Less-hawkish tone, property glut part of wider landscape influencing banks.
![What you need to know about likely mortgage rule changes](/pf/resources/images/placeholders/placeholder_l.png?d=793)
What you need to know about likely mortgage rule changes
The possibility of debt-to-income ratios being used has worried first home buyers.
![Homeowners under pressure as mortgage arrears hit near four-year high](/pf/resources/images/placeholders/placeholder_l.png?d=793)
Homeowners under pressure as mortgage arrears hit near four-year high
Mortgage arrears climbed 21 per cent last year.
![When should you divide up debts with an ex-partner?](/pf/resources/images/placeholders/placeholder_l.png?d=793)
When should you divide up debts with an ex-partner?
OPINION: There are generally five types of relationship debt.
!['Families feel so much pressure to buy': How to do Christmas on a budget](/pf/resources/images/placeholders/placeholder_l.png?d=793)
'Families feel so much pressure to buy': How to do Christmas on a budget
With finances tight, many families may need to approach festivities differently.
![Can you afford a crisis? 7 savvy savers' tips for building an emergency fund](/pf/resources/images/placeholders/placeholder_l.png?d=793)
Can you afford a crisis? 7 savvy savers' tips for building an emergency fund
Tips from a beneficiary saving $10 a week, a student with $39k at 22, and a $1m family.
![Cooking the Books podcast: Four key drivers of cashflow success](/pf/resources/images/placeholders/placeholder_l.png?d=793)
Cooking the Books podcast: Four key drivers of cashflow success
Cashflow sounds simple, but it's the biggest killer of businesses.
![Nick Stewart: Feel the fear and (don’t) do it anyway](/pf/resources/images/placeholders/placeholder_l.png?d=793)
Nick Stewart: Feel the fear and (don’t) do it anyway
OPINION: Forget Fomo, swings are inevitable no matter how trendy a product or stock is.
![Cost-of-living crunch: Seven ways to take the stress out of money issues](/pf/resources/images/placeholders/placeholder_l.png?d=793)
Cost-of-living crunch: Seven ways to take the stress out of money issues
Telegraph: Expert tips from a money mindset coach.
![Do you need a prenup if you're not a millionaire?](/pf/resources/images/placeholders/placeholder_l.png?d=793)
Do you need a prenup if you're not a millionaire?
They benefit the rich and famous but could they be good for you too?
![Farmers put off debt repayment as economic pressure tightens](/pf/resources/images/placeholders/placeholder_l.png?d=793)
Farmers put off debt repayment as economic pressure tightens
Lower farmgate returns, shock milk price drop and rising costs bite bottom lines.
![Mary Holm: Cutting out buying coffees and lunch could save you up to $1m](/pf/resources/images/placeholders/placeholder_l.png?d=793)
Mary Holm: Cutting out buying coffees and lunch could save you up to $1m
OPINION: And help! I put $300k in my KiwiSaver account and promptly lost $10,000.
![Mary Holm: Should I pay off the mortgage or put all my money into KiwiSaver?](/pf/resources/images/placeholders/placeholder_l.png?d=793)
Mary Holm: Should I pay off the mortgage or put all my money into KiwiSaver?
OPINION: When the division of an estate comes between families.
![Borrowers forced to dig deeper as home loan test interest rates jump again](/pf/resources/images/placeholders/placeholder_l.png?d=793)
Borrowers forced to dig deeper as home loan test interest rates jump again
One bank is now testing at over 9 per cent.
![Nation of Debt: Kiwis putting more on the plastic to cope with the cost of living](/pf/resources/images/placeholders/placeholder_l.png?d=793)
Nation of Debt: Kiwis putting more on the plastic to cope with the cost of living
How the economic slowdown is stretching household budgets.
![The ‘new norm': Are home loan borrowers getting used to higher interest rates?](/pf/resources/images/placeholders/placeholder_l.png?d=793)
The ‘new norm': Are home loan borrowers getting used to higher interest rates?
Signs are there, but a mortgage broker says there is worse to come for some.
![Latest data suggests ‘possible floor approaching’ in plummeting house prices](/pf/resources/images/placeholders/placeholder_l.png?d=793)
Latest data suggests ‘possible floor approaching’ in plummeting house prices
New reports from OneRoof, Corelogic and ANZ all suggest house prices may have bottomed out