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The following is a selection of articles and radio broadcasts mainly from January 2005 to the present. To explore this topic in more depth and access earlier columns, please use the search box.
RNZ Radio 14 December 2017
Does Christmas have to be like this?View - It's FREE!
NZ Herald 18 November 2017
Q&As: The financial education that the banks don't choose to give us
RNZ Radio 16 November 2017
How to invest $10,000View - It's FREE!
RNZ Radio 24 August 2017
What to tackle first - credit card debt, mortgage or contributing to KiwiSaver? Part OneView - It's FREE!
NZ Herald 27 May 2017
Q&As: Million-dollar savings goals do more harm than good
NZ Herald 13 May 2017
Q&As: Would-be foreign exchange trader should give it a miss
RNZ Radio 27 April 2017
Investment risks - Part 1View - It's FREE!
NZ Herald 1 April 2017
Q&As: University probably the best route to a new start for woman
NZ Herald 25 March 2017
Q&As: A good reason to have a high credit card limit
NZ Herald 18 March 2017
Q&As: Trusts may no longer enable well off elderly to get subsidy
NZ Herald 11 March 2017
Q&As: Mum objects to teenager being offered credit card
NZ Herald 4 March 2017
Q&As: Reader has same credit card trouble as last week's correspondent ...
NZ Herald 25 February 2017
Q&As: Questions to ask before parents lend mortgage money to their children
RNZ Radio 23 June 2016
Spending too little, spending too muchView - It's FREE!
NZ Herald 11 June 2016
Q&As: Adding to already huge mortgages is playing with fire
NZ Herald 28 May 2016
Q&As: 'Ripped off' reader should shop around rather than dropping life insurance
NZ Herald 19 September 2015
Q&As: Trying to time markets is a fool's game ...
NZ Herald 22 August 2015
Q&As: Banks give teenagers credit too easily
NZ Herald 15 August 2015
Q&As: 70-year-olds should skip buying unit and spend their savings
NZ Herald 8 August 2015
Q&As: Banks shouldn't favour new customers, but reader shouldn't have big credit card debt
NZ Herald 7 June 2014
Q&As: Priorities for a family making a KiwiSaver financial hardship withdrawal
NZ Herald 19 October 2013
Q&As: Is there life after bankruptcy?
Syndicated column 16 February 2013 - Financial misbehaviour disappointing
Ironically, a survey on New Zealanders' financial behaviour was released just days before Christmas - a time of much financial misbehaviour, when everyone's saying, "I don't care what it costs, I've just got to buy something for Uncle Fred."View - It's FREE!
NZ Herald 13 October 2012
Q&As: Make credit card repayment your top priority
NZ Herald 14 July 2012
Q&As: Use accessible KiwiSaver money to repay credit card debt, and probably mortgage too
Syndicated column 2 June 2012 - Let's educate our way out of 500%+ loans
When I first saw "Annual interest rate 547.50%" on a New Zealand website offering loans, I thought there'd been a mistake. But no. That's the rate for a small, short-term cash loan from www.savemybacon.co.nz.View - It's FREE!
Syndicated column 24 March 2012 - How to join the new debt cutting trend
We're all living through three "great transitions", said the keynote speaker at a recent conference. One transition is from West to East - with the growing emphasis on China and India, another is from analog to digital, and the third is from debt to saving. Let's look more at that third transition.View - It's FREE!
Syndicated column 28 January 2012 - Take action now to avoid bill blues next January
Ah, summer. Time for beaches, baches, barbecues - and facing probably the year's biggest credit card bills, or even demands for payment from loan sharks.View - It's FREE!
Syndicated column 19 November 2011 - Two thoughts about Christmas shopping
Look at any graph of credit card spending over the years and you see a clear pattern - spikes each December as we put Christmas gifts, food and drink and holiday spending on our cards.View - It's FREE!
Syndicated column 16 July 2011 - Cries of indignation, shock and fear from Credit Card Land
Three readers coming from three quite different perspectives responded to my last column about repaying credit card debt. One slightly indignant reader always pays his credit card bills in full, another was shocked at what happened when he didn't one month, and the third has run up a $7000 credit card debt.View - It's FREE!
Syndicated column 2 July 2011 - Have I got a deal for you?
Pssst, want a fantastic deal? I may be able to get you into an investment with returns of just under 20 per cent a year, every year, after fees and tax. And it's risk-free....View - It's FREE!
NZ Herald 11 December 2010
Q&As: Earthquake victim faces an old question: whether to invest spare money or repay a loan
NZ Herald 20 November 2010
Q&As: Have I been too easy on the banks, or is a reader being too tough?
Syndicated column 11 September 2010 - Grab your big chance to painlessly boost your wealth
In the next few weeks, every New Zealand wage or salary earner will get a chance to considerably increase their wealth - painlessly.View - It's FREE!
Syndicated column March 6 2007: Digging your way out of the big hole
You're never in debt so deep that you can't get out again. At least one reader of this column will be reassured by this message from Raewyn Fox, chief exec of the Federation of Family Budgeting Services.View - It's FREE!
Syndicated column February 3 2007: Help for those in debt
Repaying high-interest debt is sometimes called the best investment. And there's a way to do it that, I suspect, many people don't know about.View - It's FREE!
NZ Herald December 16 2006
Q&As: Should man, 64, get student loan for the income, given that he probably won't ever repay it?
NZ Herald September 30 2006
This is the final week in which we are running excerpts from Mary Holm's bestselling book, "Get Rich Slow: How to grow your wealth the safe and savvy way." Mary's regular Q&A column will resume next week.
NZ Herald July 15 2006
Q&As: Lessons from the Bible: Is borrowing bad?
NZ Herald March 11 2006
Q&As: A landlord's nightmare.
NZ Herald March 4 2006
Q&As: Eftpos v credit cards. And bank fees.
NZ Herald February 25 2006
Q&As: Is compounding interest over-rated?
Holm Truths spring 05
Kids, cash and cards: Help your children learn about money
NZ Herald July 16 2005
Q&As: When to declare share trading profits.
NZ Herald June 18 2005
Q&As: When does tax on capital gains apply to share investors?
NZ Herald June 11 2005
Q&AS: Paying extra for using a credit card.
Holm Truths summer 03-04
Time is Money: A basic principle that helps you understand investing
Holm Truths autumn 02
Burrowing into borrowing: Buying goods and services using credit cards or hire purchase can hurt your wealth
Holm Truths spring 01
Taking on the world: Spread your share investment money across the world