Spending – Mary Holm

NZ Herald 14 March 2026

mary — Fri, 13 Mar 2026 11:00:04 +0000

Should 78-year-old sell her home to neighbours and rent from them? Life insurance no longer needed Does CPI inflation include surcharges? Modern caravans not like the old days Many ideas for spending inheritance 2 Q&As on ethics around student loans QMy mum (78) lives alone in a house in Sandringham worth about $1.5 million. She’s currently still working full time but probably not for...

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NZ Herald 1 November 2025

mary — Fri, 31 Oct 2025 11:00:57 +0000

Splurging in retirement not so bad Government’s unrealistic expectations on KiwiSaver Index funds are not for the short term 2 Q&As on cash fund investments and risk QI thought I would tell you my story of not being careful with money. We sold a property in Auckland 10 years ago. We came down to the Coromandel and thought it would be a nice place to live. We bought a two-storey house in...

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NZ Herald 25 October 2025

mary — Fri, 24 Oct 2025 11:00:33 +0000

Reader gets no gain from being in KiwiSaver 2 Q&As about last week’s retired couple planning to sell their home and rent Who offers “build-to-rent” properties? Reader challenges 4.6% on a term deposit QI have recently started working for an employer who treats KiwiSaver employer contributions as part of total remuneration, or salary sacrifice. And I am fortunate or...

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NZ Herald 7 June 2025

mary — Fri, 06 Jun 2025 12:00:03 +0000

You’ve done well, but don’t lose compassion Spending seems to rise in retirement? Living on NZ Super — with plan for health costs Not Planning on Home Ownership QAs immigrants, we had to start all over again, with two preschoolers. Money was spent within our means, no fast food and junk, just wholesome meals and an annual holiday as a meaningful treat. It was boring, and a lot of will...

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NZ Herald 5 April 2025

mary — Fri, 04 Apr 2025 11:00:58 +0000

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 22 March 2025

mary — Fri, 21 Mar 2025 11:00:24 +0000

Couple should complain about adviser — and sell investment This trick doesn’t work for selling Where to get help on veterans’ pensions Apartment prices haven’t grown as fast 2 ways for retirees to delay paying rates How retirement spending rule works QWe’re considering exiting an investment, but if we do we’d be realising a loss. But there’s a risk the loss could be bigger if we...

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NZ Herald 15 March 2025

mary — Fri, 14 Mar 2025 11:00:12 +0000

Pensions available for ex-servicemen and women — and their partners A reverse mortgage can work well Reader dislikes house price falls 2 Q&As on budget of retirees who live on NZ Super and save… … and should they be getting allowance? 2 Q&As on spending in your nineties Is Super included in retirement spending “rules”? Don’t bail out of KiwiSaver in turbulent times QA friend mentioned that...

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NZ Herald 8 March 2025

mary — Fri, 07 Mar 2025 11:00:22 +0000

How to stop your heirs selling a family treasure Couple lives on NZ Super, and saves $100 a week Managed funds or term deposits How much is needed to retire early? Do houses outgrow KiwiSaver? QReading your Q&As on dividing inheritance reminded me of a recent Seven Sharp segment about New Zealand art sales at the International Art Centre. To my surprise, a family heirloom—a Goldie painting we...

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NZ Herald 1 March 2025

Tim — Fri, 28 Feb 2025 11:00:06 +0000

Should teen become a landlord — as house prices wobble? Last week’s NZ Super idea not so super Inheritances should be taxed Reader gave inheritance to her brother Is it really cheaper to be a single retiree? Kind words for property investment firm QI am a single parent of an 18-year-old. We recently came into an inheritance. I have used part of my inheritance to pay off my mortgage.

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NZ Herald 15 February 2025

mary — Fri, 14 Feb 2025 11:00:03 +0000

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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