Is Consolidating Debts Good? The Real Pros and Cons
Debt consolidation can lower payments and interest, but it's not a fix for overspending. Learn when it helps, when it hurts, and how to do it right in New Zealand.
Author: Elliot Marlowe - Page 3
What Is Better Than Equity Release? 5 Real Alternatives for Older Homeowners
Equity release isn't your only option. Discover five smarter ways to boost retirement income without debt - downsizing, KiwiSaver, part-time work, government support, and more - with real examples from New Zealand.
Is There a Charge for Equity Release? Here’s What It Really Costs
Equity release isn't free - it comes with fees, interest, and long-term costs. Learn what you really pay when unlocking cash from your home, and how to avoid costly mistakes.
What Is the Golden Rule Budgeting? A Simple Way to Stop Living Paycheck to Paycheck
The golden rule budgeting, or 50/30/20 rule, helps you split your income into needs, wants, and savings. It's simple, effective, and works whether you're earning $25,000 or $80,000 a year.
Can You Realistically Make Money with Crypto? Here’s What Actually Works in 2025
Can you realistically make money with crypto? Yes-but only if you avoid hype, stick to Bitcoin and Ethereum, use staking, and invest with discipline. Most people lose money chasing trends. Here’s what actually works in 2025.
What's the Best Month to Buy a New Car in New Zealand?
December is the best month to buy a new car in New Zealand because dealers are racing to hit annual sales targets. Learn when to shop, what discounts to expect, and how to avoid fake deals.
Are Pensions Taxed? A Clear Guide to Pension Tax Rules in New Zealand
In New Zealand, Superannuation and KiwiSaver withdrawals are tax-free, but other retirement income like dividends or foreign pensions may be taxed. Know what counts as taxable income in retirement.
What Is the Average Pension Payout? Real Numbers for 2025
The average pension payout in the U.S. is around $3,500 a month when combining Social Security and other retirement income - but most people need more to live comfortably. Here's what you really need to know.
What Are the Disadvantages of Equity Release? Key Risks You Can't Ignore
Equity release offers cash from your home but comes with high interest, reduced inheritance, benefit loss, and hidden fees. Learn the real risks before you sign.
Which Bank Has the Lowest Car Loan Interest Rate in New Zealand?
Find out which banks in New Zealand offer the lowest car loan interest rates in 2025, how to qualify, and how much you can save by choosing wisely. Real rates, real savings.
Who is the most trustworthy life insurance company? Top 5 rated for reliability and claims payouts
Find out which life insurance companies in New Zealand have the highest claims payout rates and customer trust in 2025. Avoid hidden pitfalls and choose a provider that actually pays when it matters.
What Is the 50/20/30 Budget Rule? A Simple Way to Manage Your Money
The 50/20/30 budget rule splits your after-tax income into 50% needs, 20% savings/debt, and 30% wants. It’s a simple, flexible way to manage money without feeling restricted.