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    Budget Buster: Cracking open your KiwiSaver nest egg
    Statistics NZ has a life expectancy calculator, which is a bit morbid, but very useful. If you decide to make regular withdrawals to top up NZ Super, it's a good idea to err on the side of caution, because you don't want to run out of money before you

    Diana Clement: The pros and cons of balance transfers
    New Zealand Herald
    If, however, the balance transfer enables you to get out of the proverbial financially, then it may be worthwhile putting up with a temporary drop in your credit score. You can resurrect your score when the current crisis is over by making regular

    Ask Susan: Should I pay off my student loan?
    Should I make extra payments on my student loan? It's interest-free and I have no other debt, apart from my mortgage. I realised this week it's a massive chunk of my pay each fortnight – about $200 – that I've been paying for 15 years. But it is silly

    Roundabout that leads back to prison roster
    It was a vicious, symbiotic cycle that would continue as she entered prison for the first time, after helping her brother assault and rob a man of his money. One jail term quickly became two, three, four and onwards. Queen's record meant bail was off

    Four rules to make the most of your inheritance
    Don't keep an asset – convert to cash first. The first rule of inheritance is the "doorstep-test". Don't lay claim to Dad's Toyota Yaris under the premise it would be handy for your teenagers to drive. Imagine the inherited asset as a pile of cash. If

    Amazing feat of preserving for Whanganui woman
    New Zealand Herald
    There are 75 free range chickens, 18 ducks, some quail and she rears calves every year. This year she's getting her own cow. The vegetable garden is prolific. She grows gherkins and garlic, and harvested 200kg of tomatoes from 20 Scoresby Dwarf plants

    New Zealand Herald

    Mary Holm: Mortgage-free better way to go
    New Zealand Herald
    After turning 65, a person could take out their employer contributions on the same day the money is put in. "This is against the fundamental philosophy of KiwiSaver when it was set up in 2007." "Of course," he adds, "once someone reaches 65, they are