Latest from Personal Finance

Insurance claims going to the dogs
The "Beware of Dog" warning took on a whole new meaning for one tourist whose insurance company forked out $100,000 when they suffered broken bones after being knocked over by man's best friend.

How to slash your power bill
Susan Edmunds asked experts for their top power-saving tips to put more money in your pocket this winter.

Susan St John and Claire Dale: Pension injustices tarnish retirees' golden years
The Retirement Policy and Research Centre is hearing from an increasing number of unhappy, married superannuitants that are affected by an unfair part of our social security legislation.

Uni easier with $4K savings
Grace Eriksen, 18, is in her first year of university and reaping the rewards of three years of saving.

Drop in living-cost rating good for top NZ cities
Auckland and Wellington have become more appealing to expatriates in the past 12 months, a survey has found.

KiwiSaver: House hunting? Pays to tell your provider
If I wanted to use the money for my first home, is 100 per cent of what I have available to me or am I only entitled to withdraw my contributions?

House hikes leave pay hikes for dead
Kiwi wages have risen $34.53 on average in the past year while house prices have skyrocketed $38,000.

KiwiSaver: 'Second chance' rules tough
I intend to transfer my Australian superannuation funds into a New Zealand KiwiSaver fund. Can I use these funds to help build my first home in Christchurch?

Labour reveals its KiwiSaver plans
Under Labour, KiwiSaver would be made compulsory and contributions would rise to 4.5 per cent by 2021, leader David Cunliffe has announced.

NZ's top 10% are richer than rest
The richest 10 per cent of New Zealanders are wealthier than the rest of the population combined, according to figures cited by Oxfam NZ.

Damien Grant: University fantasy traps students in the jaws of debt
A staggering 142,000 students are working towards a degree, with another 448,000 toiling away for a lesser qualification. Most of them are wasting their time, writes Damien Grant.

Budget 2014: Don't expect any KiwiSaver changes
Kiwis shouldn't expect any changes to KiwiSaver to be announced in Thursday's Budget despite Labour's controversial proposals for the scheme.

A plan stretches dollars
A meal plan, shopping once a week and buying fruit and veges from specialist shops, rather than a supermarket, will save you thousands a year, a food writer and budgeting expert says.

Susan St John: Private pensions for the lucky few
What really matters for most people contemplating a healthy and happy retirement is good health and financial security, writes Susan St John.

Capital Markets: Not enough big local fish for savings pool
The absence of domestic investment opportunities is seeing increasing amounts of KiwiSaver fund money finding its way overseas, reports Alexander Speirs.

Susan St John: Super strain on Generation X will become too much
As retirement looms, they see the baby-boomers take an ever-increasing share of the economic pie, not just in the form of superannuation but in healthcare too, writes Susan St John.

Kiwis stress less about cash
Kiwi consumers are less financially stressed than Australians despite rising interest rates, a survey has found.

Compulsory KiwiSaver exempts 300,000
More than 300,000 business owners and self-employed people would be exempted from Labour's new policy to make workers pay more into KiwiSaver to dampen inflation.

KiwiSaver: who wins, loses
Households struggling to keep on top of their mortgages would win from Labour's proposed interest rate shake-up - but at the expense of those who can't afford a house.

Renting smarter than buying
Renting rather than buying may be the smartest financial decision you can make at present.

KiwiSaver fees to shrink
Many funds charge over $100 a year in management fees, which take a big chunk out of KiwiSaver earnings. The Govt has responded by tightening up on the fees that default schemes can charge.

Guide to the best mortgage rates
Homeowners could save more than $90,000 over the life of their mortgages by shopping around, according to an analysis of 95 floating home loans.

Christmas clubs get in early
Starting a Christmas savings scheme will make shopping less stressful and the way you save will make a big difference to how much cash you'll have.

Buy Crikey: Go back a year ... and save
Last season, big discount. Anyone willing to buy last season's models of just about anything can save a lot of money, writes Diana Clement.

Hotchin, Watson company chase loan
A finance company's attempt to chase down a $300,000 loan taken out by a now-bankrupt and struck-off lawyer has been knocked back by a High Court judge

Get contents insurance, students told
Hanging a coat-hanger on a fire sprinkler caused a flood that damaged eight floors of an apartment building and left a group of students facing a $26k bill.

Lenders checking Twitter profiles
Money lenders are peering into the Facebook and Twitter profiles of would-be borrowers to look for evidence of debts or dodgy spending habits.