Emergency money – Mary Holm https://maryholm.com NZ's most trusted personal finance journalist Fri, 03 Oct 2025 13:33:23 +0000 en-NZ hourly 1 https://wordpress.org/?v=5.2.21 NZ Herald 4 October 2025 https://maryholm.com/nz-herald-4-october-2025/ Fri, 03 Oct 2025 11:00:21 +0000 https://maryholm.com/?p=12663 A bank account for a couch surfer No, it’s not me! Scam warning Reader excited by recent returns … … While another gets a little bit brave Now retired, we’re selling our rental Is renting out bach a good idea? QI don’t have any million-dollar properties, so this is probably outside of your usual area of expertise. A few years ago I was kicked out of my rental because...

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]]> NZ Herald 6 September 2025 https://maryholm.com/nz-herald-6-september-2025/ Fri, 05 Sep 2025 12:00:44 +0000 https://maryholm.com/?p=12641 Deposit compensation up and running What if someone pulls out of the scheme? KiwiSaver total remuneration defended What’s fair for over-65s in KiwiSaver? Total remuneration tempts people, who will later regret it Best way to self insure for health costs Couple has been lucky with health — so far! QI was following with interest the moves to introduce savings guarantees...

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]]> RNZ Radio 14 August 2025 https://maryholm.com/rnz-radio-14-august-2025/ Thu, 14 Aug 2025 03:15:12 +0000 https://maryholm.com/?p=12600 Lack of fund is source of stress Priorities with your money How much? Where to save — including idea for those with mortgages How to build a fund A “charity fund”? If you use the money… Listen to the segment below, or click here to read Radio NZ’s summary. You can listen to these sessions as podcasts. Subscribe free to Mary’s RNZ podcast here. No paywalls or ads — just...

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]]> RNZ Radio 31 July 2025 https://maryholm.com/rnz-radio-31-july-2025/ Thu, 31 Jul 2025 03:15:26 +0000 https://maryholm.com/?p=12588 Survey: we don’t insure what matters most Why that might be? Does self insurance work? Is insurance a good deal? Ways to cut insurance costs Self-employed should stick with KiwiSaver Listen to the segment below, or click here to read Radio NZ’s summary. You can listen to these sessions as podcasts. Subscribe free to Mary’s RNZ podcast here. No paywalls or ads — just generous...

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]]> NZ Herald 26 April 2025 https://maryholm.com/nz-herald-26-april-2025/ Fri, 25 Apr 2025 12:00:53 +0000 https://maryholm.com/?p=12504 Home ownership v shares KiwiSaver funds beat inflation Deposit compensation list released Should woman borrow more than she needs? Where to get into on reverse mortgages and home reversion Boost KiwiSaver contributions any time Shorter questions please Q“There really are two kinds of people in this country; those who would rather own their home outright, even though the math shows that you’d...

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]]> NZ Herald 5 April 2025 https://maryholm.com/nz-herald-5-april-2025/ Fri, 04 Apr 2025 11:00:58 +0000 https://maryholm.com/?p=12424 Slow down huge mortgage payments and live a little … … Similar for couple in 60s — spend that KiwiSaver Misunderstanding about reverse mortgages Is Warren Buffett’s company still best investment? 3 Q&As on Deposit Compensation Scheme — on timing, joint accounts, KiwiSaver QI have been following your advice to pay my mortgage as quickly as possible since selling and buying a new home mid last...

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]]> NZ Herald 15 February 2025 https://maryholm.com/nz-herald-15-february-2025/ Fri, 14 Feb 2025 11:00:03 +0000 https://maryholm.com/?p=12370 Couple support sons more than daughters Grandparents’ support comes with conditions Best place to keep emergency money Making retirement savings totals clearer Is my rule of thumb any good? QHelp me understand a generation that believes only the sons of the family should get help to buy their first house (and they now live in blue chip areas due to property gains), daughters not helped and who now...

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]]> NZ Herald 1 February 2025 https://maryholm.com/nz-herald-1-february-2025/ Fri, 31 Jan 2025 11:00:16 +0000 https://maryholm.com/?p=12354 Where first home buyer, 24, should put savings Pros and cons of selling rental in retirement A tale of simple — but worrying — tax What to do when mortgage ends Helping a grandchild into KiwiSaver QI’m a 24-year-old Aucklander. Current salary about $72,000; KiwiSaver balance about $18,000 (growth fund); student loan about $2,300; savings about $176,000. With the plan of making a deposit on a house...

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]]> NZ Herald 9 November 2024 https://maryholm.com/nz-herald-9-november-2024/ Fri, 08 Nov 2024 11:00:52 +0000 https://maryholm.com/?p=12292 Should solo parent sell her home and rent? Where to save emergency money 3 Q&As on capital gains tax on the family home Do farmers have it harder than teachers? Should Lotto be taxed? QI need guidance. I’m a solo parent who managed to get onto the property ladder by purchasing a two-bedroom townhouse. I’m thinking about selling and just renting. Reasons: – Need a yard. –.

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]]> RNZ Radio 17 October 2024 https://maryholm.com/rnz-radio-17-october-2024/ Thu, 17 Oct 2024 02:15:01 +0000 https://maryholm.com/?p=12261 How many apply for hardship How we run our credit cards Types of mortgages — what’s best? Use of term deposits Payee confirmation — see who you are paying online Listen to the segment below, or click here to read Radio NZ’s summary. You can listen to these sessions as podcasts. Subscribe free to Mary’s RNZ podcast here. No paywalls or ads — just generous people like you.

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