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The following is a selection of articles mainly from January 2005 to the present. To explore this topic in more depth and access earlier columns, please use the search box.
Syndicated column 16 February 2013 - Financial misbehaviour disappointing
Ironically, a survey on New Zealanders' financial behaviour was released just days before Christmas - a time of much financial misbehaviour, when everyone's saying, "I don't care what it costs, I've just got to buy something for Uncle Fred."View - It's FREE!
NZ Herald 13 October 2012
Q&As: Make credit card repayment your top priority
NZ Herald 14 July 2012
Q&As: Use accessible KiwiSaver money to repay credit card debt, and probably mortgage too
Syndicated column 2 June 2012 - Let's educate our way out of 500%+ loans
When I first saw "Annual interest rate 547.50%" on a New Zealand website offering loans, I thought there'd been a mistake. But no. That's the rate for a small, short-term cash loan from www.savemybacon.co.nz.View - It's FREE!
Syndicated column 24 March 2012 - How to join the new debt cutting trend
We're all living through three "great transitions", said the keynote speaker at a recent conference. One transition is from West to East - with the growing emphasis on China and India, another is from analog to digital, and the third is from debt to saving. Let's look more at that third transition.View - It's FREE!
Syndicated column 28 January 2012 - Take action now to avoid bill blues next January
Ah, summer. Time for beaches, baches, barbecues - and facing probably the year's biggest credit card bills, or even demands for payment from loan sharks.View - It's FREE!
Syndicated column 19 November 2011 - Two thoughts about Christmas shopping
Look at any graph of credit card spending over the years and you see a clear pattern - spikes each December as we put Christmas gifts, food and drink and holiday spending on our cards.View - It's FREE!
Syndicated column 16 July 2011 - Cries of indignation, shock and fear from Credit Card Land
Three readers coming from three quite different perspectives responded to my last column about repaying credit card debt. One slightly indignant reader always pays his credit card bills in full, another was shocked at what happened when he didn't one month, and the third has run up a $7000 credit card debt.View - It's FREE!
Syndicated column 2 July 2011 - Have I got a deal for you?
Pssst, want a fantastic deal? I may be able to get you into an investment with returns of just under 20 per cent a year, every year, after fees and tax. And it's risk-free....View - It's FREE!
NZ Herald 11 December 2010
Q&As: Earthquake victim faces an old question: whether to invest spare money or repay a loan
NZ Herald 20 November 2010
Q&As: Have I been too easy on the banks, or is a reader being too tough?
Syndicated column 11 September 2010 - Grab your big chance to painlessly boost your wealth
In the next few weeks, every New Zealand wage or salary earner will get a chance to considerably increase their wealth - painlessly.View - It's FREE!
Syndicated column March 6 2007: Digging your way out of the big hole
You're never in debt so deep that you can't get out again. At least one reader of this column will be reassured by this message from Raewyn Fox, chief exec of the Federation of Family Budgeting Services.View - It's FREE!
Syndicated column February 3 2007: Help for those in debt
Repaying high-interest debt is sometimes called the best investment. And there's a way to do it that, I suspect, many people don't know about.View - It's FREE!
NZ Herald December 16 2006
Q&As: Should man, 64, get student loan for the income, given that he probably won't ever repay it?
NZ Herald September 30 2006
This is the final week in which we are running excerpts from Mary Holm's bestselling book, "Get Rich Slow: How to grow your wealth the safe and savvy way." Mary's regular Q&A column will resume next week.
NZ Herald July 15 2006
Q&As: Lessons from the Bible: Is borrowing bad?
NZ Herald March 11 2006
Q&As: A landlord's nightmare.
NZ Herald March 4 2006
Q&As: Eftpos v credit cards. And bank fees.
NZ Herald February 25 2006
Q&As: Is compounding interest over-rated?
Holm Truths spring 05
Kids, cash and cards: Help your children learn about money
NZ Herald July 16 2005
Q&As: When to declare share trading profits.
NZ Herald June 18 2005
Q&As: When does tax on capital gains apply to share investors?
NZ Herald June 11 2005
Q&AS: Paying extra for using a credit card.
Holm Truths summer 03-04
Time is Money: A basic principle that helps you understand investing
Holm Truths autumn 02
Burrowing into borrowing: Buying goods and services using credit cards or hire purchase can hurt your wealth
Holm Truths spring 01
Taking on the world: Spread your share investment money across the world